Century FinancialCYFL 70 Pretax Margin % is 41.02% as of Dec. 2025, which is 12% above its 10-year median of 36.62. GuruFocus rates CYFL with a GF Score™ of 70/100 and a GF Value™ of $40.55 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 1,530 Banks companies, Century Financial ranks better than 72.29% on this metric.
The historical rank and industry rank for Century Financial's Pretax Margin % or its related term are showing as below:
CYFL'
s Pretax Margin % Range Over the Past 10 Years
Min: 10.86 Med: 36.62 Max: 43.87
Current: 43.87
CYFL's Pretax Margin % is ranked better than 72.29% of 1530
companies
in the Banks industry
Industry Median: 34.715
vs CYFL: 43.87
Century Financial (OTCPK:CYFL) Pretax Margin % Explanation
The pretax margin, as know as pretax profit margin, is widely used to measure the operating efficiency of a company before deducting taxes.
The pretax margin is sometimes preferred over the net margin as tax expenditures can make profitability comparisons between companies misleading.
It is a useful tool to compare companies operating in the same sector and less effective when comparing companies from other sectors as each industry generally has different operating expenses and sales patterns.
The long term trend of the pretax margin is a good indicator of the competitiveness and health of the business.
Century Financial Pretax Margin % Related Terms
Century Financial Pretax Margin % Historical Data
* Premium members only.
The historical data trend for Century Financial's Pretax Margin % can be seen below:
* 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.
CYFL vs CPBI, PBKX, REDW: Pretax Margin % Comparison
For the Banks - Regional subindustry, Century Financial's Pretax Margin %, along with its competitors' market caps and Pretax Margin % 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 Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Century Financial's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Century Financial's Pretax Margin % falls into.
* 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.
Century Financial (CYFL) has a Pretax Margin % of 41.02% as of Dec. 2025. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Century Financial and its competitors. This is 12% above median its historical median of 36.62. Over the past decade, Century Financial's Pretax Margin % has ranged from 10.86 to 43.87. According to the industry distribution chart, Century Financial ranks #424 out of 1530 companies in the Banks industry, placing it in the top 27.7%.
Is Century Financial's Pretax Margin % too high?
Century Financial's current Pretax Margin % of 41.02% is 12% above median its 10-year median of 36.62. Over the past 10 years, this metric has ranged from a low of 10.86 to a high of 43.87. The Banks industry median Pretax Margin % is 34.72. Century Financial's value of 41.02% is 18.2% above this industry median. Based on the distribution chart, Century Financial ranks #424 out of 1530 companies in the Banks industry, which is above the industry midpoint. Overall, Century Financial has a GF Score™ of 70/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Century Financial's Pretax Margin % compare to CPBI and PBKX?
According to the Banks industry distribution chart, Century Financial ranks #424 out of 1530 companies for Pretax Margin %. This puts Century Financial in the upper half of its industry. The industry median Pretax Margin % is 34.72. Century Financial's value of 41.02% is 18.2% above this benchmark. Historically, Century Financial's own Pretax Margin % has ranged from 10.86 to 43.87 over the past decade. While the company's 10-year median is 36.62 vs. the industry median of 34.72, Century 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 Pretax Margin % for a Banks company?
The median Pretax Margin % among Banks companies is 34.72, based on 1,530 companies in the industry. Companies in the top quartile (top 25%) have a Pretax Margin % significantly above this median, while those in the bottom quartile fall well below. However, Pretax Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Century Financial's current Pretax Margin % of 41.02% is 18.2% 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 Pretax Margin % mean?
A high Pretax Margin % can signal that a stock is expensive relative to its fundamentals. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Century Financial and its competitors. For the Banks industry, the median Pretax Margin % is 34.72 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Century Financial's current Pretax Margin % is 41.02%, which is 12% above median its own 10-year median of 36.62. 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 $40.55, compared to a current price of $47.48 — trading 17.1% above its estimated fair value. The current Pretax Margin % is 41.02%, which is 12% above median its 10-year median of 36.62 and 18.2% above the Banks industry median of 34.72. Century Financial's overall GF Score™ is 70/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Pretax Margin % calculated?
Pretax Margin % is calculated from a company's financial statements. For Century Financial (CYFL), the current Pretax Margin % is 41.02% as of Dec. 2025. 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 17.1% above its estimated GF Value™ of $40.55.
GuruFocus considers Century Financial to be Modestly Overvalued.
Key valuation signals for CYFL:
Pretax Margin %: 41.02% (12% above median its 10-year median of 36.62)
GF Value™: $40.55 vs. price of $47.48 (17.1% above fair value)
Industry Position: 18.2% above the Banks median (#424 of 1530)
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 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.
70GF Score
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