CYFL (Century Financial) Moat Score: 2/10 (As of Jul. 05, 2026)


CYFL Century Financial Corp CYFL
68 GF Score
Price $47.48
GF Value $40.65
Valuation Modestly Overvalued
! 5 Warning Signs
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What is Century Financial Moat Score?

Century Financial CYFL 68 Moat Score is 2 as of Jul. 05, 2026. GuruFocus rates CYFL with a GF Score™ of 68/100 and a GF Value™ of $40.65 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 1,611 Banks companies, Century Financial ranks better than 59.84% on this metric.

Century Financial has the Moat Score of 2, which implies that the company might have No Moat - Very weak/transient advantages.

Century Financial has No Moat: Century Financial Corp lacks significant market leadership, customer switching costs, and brand strength. The company does not possess strong intellectual property or regulatory barriers to establish a competitive advantage.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Century Financial might have No Moat - Very weak/transient advantages.

Century Financial  (OTCPK:CYFL) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Century Financial Moat Score Related Terms

CYFL vs CPBI, PBKX, REDW: Moat Score Comparison

For the Banks - Regional subindustry, Century Financial's Moat Score, along with its competitors' market caps and Moat Score data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

Century Financial Moat Score vs Banks Industry

For the Banks industry and Financial Services sector, Century Financial's Moat Score distribution charts can be found below:

* The bar in red indicates where Century Financial's Moat Score falls into.


CYFL
68GF Score
Century Financial Corp CYFL
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 2 mean?
Century Financial (CYFL) has a Moat Score of 2 as of Jul. 05, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Century Financial ranks #647 out of 1611 companies in the Banks industry, placing it in the top 40.2%.
Is Century Financial's Moat Score too high?
Century Financial's current Moat Score is 2. Based on the distribution chart, Century Financial ranks #647 out of 1611 companies in the Banks industry, which is above the industry midpoint. Overall, Century Financial has a GF Score™ of 68/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Century Financial's Moat Score compare to CPBI and PBKX?
According to the Banks industry distribution chart, Century Financial ranks #647 out of 1611 companies for Moat Score. This puts Century Financial in the upper half of its industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Century Financial's current Moat Score is 2. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Century Financial stock overvalued right now?
Based on GuruFocus' analysis, Century Financial (CYFL) is currently considered Modestly Overvalued. The stock's GF Value™ is $40.65, compared to a current price of $47.48 — trading 16.8% above its estimated fair value. The current Moat Score is 2. Century Financial's overall GF Score™ is 68/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Century Financial (CYFL), the current Moat Score is 2 as of Jul. 05, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Century Financial (CYFL) Overvalued in 2026?

Based on GuruFocus' analysis, Century Financial stock appears to be overvalued. The current stock price of $47.48 is trading 16.8% above its estimated GF Value™ of $40.65. GuruFocus considers Century Financial to be Modestly Overvalued.

Key valuation signals for CYFL:

  • Moat Score: 2
  • GF Value™: $40.65 vs. price of $47.48 (16.8% above fair value)
  • GF Score™: 68/100 with 5 warning signs

No single metric tells the full story. See the CYFL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Century Financial Business Description

Address 100 W. Chicago Street, Coldwater, MI, USA, 49036
Century Financial Corp, along with its subsidiaries, provides financial services through its offices located in southern Michigan. Its primary deposit products are checking, savings, and term certificate accounts, and its primary lending products are residential mortgage, commercial, and installment consumer loans. Additionally, it also offers online and mobile banking services, cash management, wealth management, and insurance products and services, among others.
68GF Score

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Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$47.48
Price
$40.65
GF Value