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Century FinancialCYFL -1.03%68 5-Year Yield-on-Cost % is 2.88 as of Jul. 27, 2026, which is 27% below its 10-year median of 3.96. GuruFocus rates CYFL with a GF Score™ of 68/100 and a GF Value™ of $40.95 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 1,252 Banks companies, Century Financial ranks worse than 67.25% on this metric.
Century Financial's yield on cost for the quarter that ended in Dec. 2025 was 2.88.
The historical rank and industry rank for Century Financial's 5-Year Yield-on-Cost % or its related term are showing as below:
CYFL'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 0.99 Med: 3.96 Max: 5.59
Current: 2.88
During the past 13 years, Century Financial's highest Yield on Cost was 5.59. The lowest was 0.99. And the median was 3.96.
CYFL's 5-Year Yield-on-Cost % is ranked worse than 67.25% of 1252
companies
in the Banks industry
Industry Median: 3.875
vs CYFL: 2.88
Century Financial (OTCPK:CYFL) 5-Year Yield-on-Cost % Explanation
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
Century Financial 5-Year Yield-on-Cost % Related Terms
CYFL vs FRSB, OPHC, FBSI: 5-Year Yield-on-Cost % Comparison
For the Banks - Regional subindustry, Century Financial's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, Century Financial's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where Century Financial's 5-Year Yield-on-Cost % falls into.
Century Financial 5-Year Yield-on-Cost % Calculation
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
Century Financial (CYFL) has a 5-Year Yield-on-Cost % of 2.88 as of Jul. 27, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Century Financial and its competitors. This is 27% below median its historical median of 3.96. Over the past decade, Century Financial's 5-Year Yield-on-Cost % has ranged from 0.99 to 5.59. According to the industry distribution chart, Century Financial ranks #842 out of 1252 companies in the Banks industry, placing it in the top 67.3%.
Is Century Financial's 5-Year Yield-on-Cost % too high?
Century Financial's current 5-Year Yield-on-Cost % of 2.88 is 27% below median its 10-year median of 3.96. Over the past 10 years, this metric has ranged from a low of 0.99 to a high of 5.59. The Banks industry median 5-Year Yield-on-Cost % is 3.88. Century Financial's value of 2.88 is 25.7% below this industry median. Based on the distribution chart, Century Financial ranks #842 out of 1252 companies in the Banks industry, which is below 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 5-Year Yield-on-Cost % compare to FRSB and OPHC?
According to the Banks industry distribution chart, Century Financial ranks #842 out of 1252 companies for 5-Year Yield-on-Cost %. This places Century Financial in the lower half of its industry. The industry median 5-Year Yield-on-Cost % is 3.88. Century Financial's value of 2.88 is 25.7% below this benchmark. Historically, Century Financial's own 5-Year Yield-on-Cost % has ranged from 0.99 to 5.59 over the past decade. While the company's 10-year median is 3.96 vs. the industry median of 3.88, Century Financial has consistently been below 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 5-Year Yield-on-Cost % for a Banks company?
The median 5-Year Yield-on-Cost % among Banks companies is 3.88, based on 1,252 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Century Financial's current 5-Year Yield-on-Cost % of 2.88 is 25.7% below 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Century Financial and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.88 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Century Financial's current 5-Year Yield-on-Cost % is 2.88, which is 27% below median its own 10-year median of 3.96. 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 $40.95, compared to a current price of $47.01 — trading 14.8% above its estimated fair value. The current 5-Year Yield-on-Cost % is 2.88, which is 27% below median its 10-year median of 3.96 and 25.7% below the Banks industry median of 3.88. 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 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For Century Financial (CYFL), the current 5-Year Yield-on-Cost % is 2.88 as of Jul. 27, 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 $47.01 is trading 14.8% above its estimated GF Value™ of $40.95.
GuruFocus considers Century Financial to be Modestly Overvalued.
Key valuation signals for CYFL:
5-Year Yield-on-Cost %: 2.88 (27% below median its 10-year median of 3.96)
GF Value™: $40.95 vs. price of $47.01 (14.8% above fair value)
Industry Position: 25.7% below the Banks median (#842 of 1252)
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.
68GF Score
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5-Year Yield-on-Cost % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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