Century Next FinancialCTUY 68 PB Ratio is 1.16 as of Jun. 25, 2026, which is 25% above its 10-year median of 0.93. GuruFocus rates CTUY with a GF Score™ of 68/100 and a GF Value™ of $47.84 (Significantly Overvalued). The stock has 4 warning signs investors should review. Among 1,516 Banks companies, Century Next Financial ranks worse than 55.67% on this metric.
Century Next Financial Corp stock PB Ratio (=1.17) is close to 10-year high of 1.28.
The historical rank and industry rank for Century Next Financial's PB Ratio or its related term are showing as below:
CTUY'
s PB Ratio Range Over the Past 10 Years
Min: 0.69 Med: 0.93 Max: 1.28
Current: 1.16
During the past 13 years, Century Next Financial's highest PB Ratio was 1.28. The lowest was 0.69. And the median was 0.93.
CTUY's PB Ratio is ranked worse than 55.67% of 1516
companies
in the Banks industry
Industry Median: 1.08
vs CTUY: 1.16
During the past 12 months, Century Next Financial's average Book Value Per Share Growth Rate was 16.70% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 15.50% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 11.40% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 10.50% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Century Next Financial was 31.90% per year. The lowest was 7.30% per year. And the median was 11.25% per year.
Back to Basics: PB Ratio
Century Next Financial (OTCPK:CTUY) PB Ratio Explanation
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Banks - Regional subindustry, Century Next Financial's PB Ratio, along with its competitors' market caps and PB Ratio 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 Next Financial PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Century Next Financial's PB Ratio distribution charts can be found below:
* The bar in red indicates where Century Next Financial's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
Century Next Financial (CTUY) has a PB Ratio of 1.16 as of Jun. 25, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Century Next Financial and its competitors. This is 25% above median its historical median of 0.93. Over the past decade, Century Next Financial's PB Ratio has ranged from 0.69 to 1.28. According to the industry distribution chart, Century Next Financial ranks #844 out of 1516 companies in the Banks industry, placing it in the top 55.7%.
Is Century Next Financial's PB Ratio too high?
Century Next Financial's current PB Ratio of 1.16 is 25% above median its 10-year median of 0.93. Over the past 10 years, this metric has ranged from a low of 0.69 to a high of 1.28. The Banks industry median PB Ratio is 1.08. Century Next Financial's value of 1.16 is 7.4% above this industry median. Based on the distribution chart, Century Next Financial ranks #844 out of 1516 companies in the Banks industry, which is below the industry midpoint. Overall, Century Next Financial has a GF Score™ of 68/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Century Next Financial's PB Ratio compare to CBBI and CHBH?
According to the Banks industry distribution chart, Century Next Financial ranks #844 out of 1516 companies for PB Ratio. This places Century Next Financial in the lower half of its industry. The industry median PB Ratio is 1.08. Century Next Financial's value of 1.16 is 7.4% above this benchmark. Historically, Century Next Financial's own PB Ratio has ranged from 0.69 to 1.28 over the past decade. While the company's 10-year median is 0.93 vs. the industry median of 1.08, Century Next Financial has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good PB Ratio for a Banks company?
The median PB Ratio among Banks companies is 1.08, based on 1,516 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Century Next Financial's current PB Ratio of 1.16 is 7.4% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Century Next Financial and its competitors. For the Banks industry, the median PB Ratio is 1.08 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Century Next Financial's current PB Ratio is 1.16, which is 25% above median its own 10-year median of 0.93. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Century Next Financial stock overvalued right now?
Based on GuruFocus' analysis, Century Next Financial (CTUY) is currently considered Significantly Overvalued. The stock's GF Value™ is $47.84, compared to a current price of $65.50 — trading 36.9% above its estimated fair value. The current PB Ratio is 1.16, which is 25% above median its 10-year median of 0.93 and 7.4% above the Banks industry median of 1.08. Century Next Financial's overall GF Score™ is 68/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For Century Next Financial (CTUY), the current PB Ratio is 1.16 as of Jun. 25, 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 Next Financial (CTUY) Overvalued in 2026?
Based on GuruFocus' analysis, Century Next Financial stock appears to be overvalued.
The current stock price of $65.50 is trading 36.9% above its estimated GF Value™ of $47.84.
GuruFocus considers Century Next Financial to be Significantly Overvalued.
Key valuation signals for CTUY:
PB Ratio: 1.16 (25% above median its 10-year median of 0.93)
GF Value™: $47.84 vs. price of $65.50 (36.9% above fair value)
Industry Position: 7.4% above the Banks median (#844 of 1516)
No single metric tells the full story. See the CTUY stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Century Next Financial Corp is the United States-based holding company for Bank of Ruston. The Bank is a full-service bank that emphasizes professional and personal banking services directed to small and medium-sized businesses, professionals, and individuals. The Bank provides a full range of banking services, including its business of real estate lending to residential and commercial customers.
68GF Score
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