CYFL (Century Financial) ROE % Adjusted to Book Value: 11.67% (As of Dec. 2025)


CYFL Century Financial Corp CYFL
70 GF Score
Price $47.48
GF Value $40.61
Valuation Modestly Overvalued
! 5 Warning Signs
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What is Century Financial ROE % Adjusted to Book Value?

Century Financial CYFL 70 ROE % Adjusted to Book Value is 11.67% as of Dec. 2025. GuruFocus rates CYFL with a GF Score™ of 70/100 and a GF Value™ of $40.61 (Modestly Overvalued). The stock has 5 warning signs investors should review.

Century Financial's ROE % for the quarter that ended in Dec. 2025 was 13.54%. Century Financial's PB Ratio for the quarter that ended in Dec. 2025 was 1.16. Century Financial's ROE % Adjusted to Book Value for the quarter that ended in Dec. 2025 was 11.67%.

Century Financial ROE % Adjusted to Book Value Related Terms

Century Financial ROE % Adjusted to Book Value Historical Data

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The historical data trend for Century Financial's ROE % Adjusted to Book Value 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.

Century Financial ROE % Adjusted to Book Value Chart

Century Financial Annual Data
Trend Dec06 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
ROE % Adjusted to Book Value
Get a 7-Day Free Trial Premium Member Only Premium Member Only 11.71 11.97 17.71 15.14 12.82

Century Financial Quarterly Data
Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25
ROE % Adjusted to Book Value Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 14.79 12.07 12.09 13.15 11.67

CYFL vs CPBI, PBKX, REDW: ROE % Adjusted to Book Value Comparison

For the Banks - Regional subindustry, Century Financial's ROE % Adjusted to Book Value, along with its competitors' market caps and ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value vs Banks Industry

For the Banks industry and Financial Services sector, Century Financial's ROE % Adjusted to Book Value distribution charts can be found below:

* The bar in red indicates where Century Financial's ROE % Adjusted to Book Value falls into.


CYFL
70GF Score
Century Financial Corp CYFL
ROE % Adjusted to Book Value is just one metric. See GF Score™, valuation, warning signs, and more.
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Century Financial ROE % Adjusted to Book Value Calculation

Century Financial's ROE % Adjusted to Book Value for the fiscal year that ended in Dec. 2025 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=14.87% / 1.16
=12.82%

Century Financial's ROE % Adjusted to Book Value for the quarter that ended in Dec. 2025 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=13.54% / 1.16
=11.67%

* 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.

What does a ROE % Adjusted to Book Value of 11.67% mean?
Century Financial (CYFL) has a ROE % Adjusted to Book Value of 11.67% as of Dec. 2025. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on Century Financial and its competitors.
Is Century Financial's ROE % Adjusted to Book Value too high?
Century Financial's current ROE % Adjusted to Book Value is 11.67%. 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 ROE % Adjusted to Book Value compare to CPBI and PBKX?
Century Financial's ROE % Adjusted to Book Value of 11.67% can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROE % Adjusted to Book Value for a Banks company?
A good ROE % Adjusted to Book Value depends on the Banks industry context. However, ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value mean?
A high ROE % Adjusted to Book Value can signal that a stock is expensive relative to its fundamentals. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on Century Financial and its competitors. Century Financial's current ROE % Adjusted to Book Value is 11.67%. 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 $40.61, compared to a current price of $47.48 — trading 16.9% above its estimated fair value. The current ROE % Adjusted to Book Value is 11.67%. 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 ROE % Adjusted to Book Value calculated?
ROE % Adjusted to Book Value is calculated from a company's financial statements. For Century Financial (CYFL), the current ROE % Adjusted to Book Value is 11.67% 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 16.9% above its estimated GF Value™ of $40.61. GuruFocus considers Century Financial to be Modestly Overvalued.

Key valuation signals for CYFL:

  • ROE % Adjusted to Book Value: 11.67%
  • GF Value™: $40.61 vs. price of $47.48 (16.9% above fair value)
  • GF Score™: 70/100 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.
70GF Score

Get the complete analysis for CYFL

ROE % Adjusted to Book Value is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$47.48
Price
$40.61
GF Value