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Century Bancorp Inc (CNBKA) Stock Fundamental Analysis

USA - Nasdaq - NASDAQ:CNBKA -

115.29
+0.07 (+0.06%)
Last: 11/12/2021, 8:51:50 PM
115.29
0 (0%)
After Hours: 11/12/2021, 8:51:50 PM
Fundamental Rating

1

We assign a fundamental rating of 1 out of 10 to CNBKA. CNBKA was compared to 388 industry peers in the Banks industry. Both the profitability and financial health of CNBKA have multiple concerns. CNBKA does not seem to be growing, but still is valued expensively.


Dividend Valuation Growth Profitability Health

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1. Profitability

1.1 Basic Checks

CNBKA had positive earnings in the past year.
CNBKA Yearly Net Income VS EBIT VS OCF VS FCFCNBKA Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 10M 20M 30M 40M

1.2 Ratios

Industry RankSector Rank
ROA 0.63%
ROE 11.15%
ROIC N/A
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
CNBKA Yearly ROA, ROE, ROICCNBKA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2 4 6 8 10

1.3 Margins

CNBKA does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 32.92%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
CNBKA Yearly Profit, Operating, Gross MarginsCNBKA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 10 20 30

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2. Health

2.1 Basic Checks

The number of shares outstanding for CNBKA remains at a similar level compared to 1 year ago.
The debt/assets ratio for CNBKA has been reduced compared to a year ago.
CNBKA Yearly Shares OutstandingCNBKA Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 1M 2M 3M 4M 5M
CNBKA Yearly Total Debt VS Total AssetsCNBKA Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2B 4B 6B

2.2 Solvency

A Debt/Equity ratio of 0.09 indicates that CNBKA is not too dependend on debt financing.
Industry RankSector Rank
Debt/Equity 0.09
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACCN/A
CNBKA Yearly LT Debt VS Equity VS FCFCNBKA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 100M 200M 300M 400M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A

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3

3. Growth

3.1 Past

CNBKA shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 8.73%, which is quite good.
Measured over the past years, CNBKA shows a quite strong growth in Earnings Per Share. The EPS has been growing by 12.91% on average per year.
The Revenue has grown by 12.90% in the past year. This is quite good.
Measured over the past years, CNBKA shows a small growth in Revenue. The Revenue has been growing by 7.92% on average per year.
EPS 1Y (TTM)8.73%
EPS 3Y12.21%
EPS 5Y12.91%
EPS Q2Q%7.98%
Revenue 1Y (TTM)12.9%
Revenue growth 3Y7.2%
Revenue growth 5Y7.92%
Sales Q2Q%9.69%

3.2 Future

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
CNBKA Yearly Revenue VS EstimatesCNBKA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 20M 40M 60M 80M 100M

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4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 19.18, the valuation of CNBKA can be described as rather expensive.
When comparing the Price/Earnings ratio of CNBKA to the average of the S&P500 Index (26.77), we can say CNBKA is valued slightly cheaper.
Industry RankSector Rank
PE 19.18
Fwd PE N/A
CNBKA Price Earnings VS Forward Price EarningsCNBKA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
CNBKA Per share dataCNBKA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30 40 50

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)1.49
EPS Next 2YN/A
EPS Next 3YN/A

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4

5. Dividend

5.1 Amount

With a yearly dividend of 0.62%, CNBKA is not a good candidate for dividend investing.
Compared to an average S&P500 Dividend Yield of 2.00, CNBKA's dividend is way lower than the S&P500 average.
Industry RankSector Rank
Dividend Yield 0.62%

5.2 History

The dividend of CNBKA has a limited annual growth rate of 4.00%.
CNBKA has been paying a dividend for at least 10 years, so it has a reliable track record.
Dividend Growth(5Y)4%
Div Incr YearsN/A
Div Non Decr YearsN/A
CNBKA Yearly Dividends per shareCNBKA Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 0.2 0.4 0.6

5.3 Sustainability

1.65% of the earnings are spent on dividend by CNBKA. This is a low number and sustainable payout ratio.
The dividend of CNBKA is growing, but earnings are growing more, so the dividend growth is sustainable.
DP1.65%
EPS Next 2YN/A
EPS Next 3YN/A
CNBKA Yearly Income VS Free CF VS DividendCNBKA Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 10M 20M 30M 40M
CNBKA Dividend Payout.CNBKA Dividend Payout, showing the Payout Ratio.CNBKA Dividend Payout.PayoutRetained Earnings

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Century Bancorp Inc

NASDAQ:CNBKA (11/12/2021, 8:51:50 PM)

After market: 115.29 0 (0%)

115.29

+0.07 (+0.06%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-12 2021-10-12
Earnings (Next)01-18 2022-01-18
Inst Owners0.16%
Inst Owner Change-48.94%
Ins Owners12.73%
Ins Owner Change0%
Market Cap860.39M
Revenue(TTM)136.48M
Net Income(TTM)44.92M
Analysts0
Price TargetN/A
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 0.62%
Yearly Dividend0.54
Dividend Growth(5Y)4%
DP1.65%
Div Incr YearsN/A
Div Non Decr YearsN/A
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 19.18
Fwd PE N/A
P/S 6.3
P/FCF N/A
P/OCF N/A
P/B 2.14
P/tB N/A
EV/EBITDA N/A
EPS(TTM)6.01
EY5.21%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS18.29
BVpS53.99
TBVpSN/A
PEG (NY)N/A
PEG (5Y)1.49
Graham NumberN/A
Profitability
Industry RankSector Rank
ROA 0.63%
ROE 11.15%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 32.92%
GM N/A
FCFM N/A
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3Y0%
ROICexgc growth 5Y0%
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score4
Asset Turnover0.02
Health
Industry RankSector Rank
Debt/Equity 0.09
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score4
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)8.73%
EPS 3Y12.21%
EPS 5Y12.91%
EPS Q2Q%7.98%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)12.9%
Revenue growth 3Y7.2%
Revenue growth 5Y7.92%
Sales Q2Q%9.69%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1YN/A
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1YN/A
OCF growth 3YN/A
OCF growth 5YN/A

Century Bancorp Inc / CNBKA FAQ

What is the ChartMill fundamental rating of Century Bancorp Inc (CNBKA) stock?

ChartMill assigns a fundamental rating of 3 / 10 to CNBKA.


Can you provide the valuation status for Century Bancorp Inc?

ChartMill assigns a valuation rating of 1 / 10 to Century Bancorp Inc (CNBKA). This can be considered as Overvalued.


Can you provide the profitability details for Century Bancorp Inc?

Century Bancorp Inc (CNBKA) has a profitability rating of 2 / 10.


How sustainable is the dividend of Century Bancorp Inc (CNBKA) stock?

The dividend rating of Century Bancorp Inc (CNBKA) is 5 / 10 and the dividend payout ratio is 1.65%.