Century Bancorp Inc's Competitiveness
A competitive positioning analysis and financial ratio benchmarking of Century Bancorp Inc (CNBKA) against its publicly traded competitors: sales growth, net income, profitability, valuation and market share, plus each peer's market capitalization, revenue, income and employees. Free below: the top 5 peers. Subscriber access adds the full competitor list and CSV downloads.
Key Findings: Century Bancorp Inc vs Its Competitors
- TTM: Trailing 12-month revenue of 135M vs 826,625M combined for its competitors (0.0% combined share).
- Trending: Latest-quarter revenue run-rate is accelerating (+2.9% annualized vs trailing 12 months), vs decelerating (-23.5%) for its tracked peer group.
- Growth: Century Bancorp Inc generated 13.6% revenue growth year over year in Q3 2021, vs 11.8% for its competitors combined.
- Profitability: Its 33.8% net margin compares with 30.0% for the peer group.
- Peer revenue share: Century Bancorp Inc accounted for 0.0% of combined revenue among its tracked peer group, up from 0.0% a year earlier.
- Peer differentiation: Revenue per employee of $0.36M compares with $0.51M for the peer group (0.7x).
Every figure above is sourced and cited in detail further down this page (Market Structure, Profitability & Cost Structure, Productivity vs Peers).
CNBKA Sales vs. its Competitors, Q3 2021
Century Bancorp Inc reported revenue growth of 13.57 % year on year in Q3 2021, above its competitors' combined revenue growth of 11.84 %.
With a net margin of 33.76 %, Century Bancorp Inc achieved higher profitability than its competitors (30.01 %).
Century Bancorp Inc generated 0.02 % of the combined sales of its peer group, up from 0.02 % a year earlier.
API endpoints for this dataset
Century Bancorp Inc vs. its Competitors, Q3 2021
Revenue growth, year on year
Net income growth, year on year
Net margin
Revenue run-rate vs trailing 12 months
TTM net margin
TTM = trailing twelve months. Run-rate annualizes the latest quarter (×4) and compares it to TTM. In millions of $. High-Confidence Competitors are named as a competitor directly in Century Bancorp Inc reports; Similar-Size Competitors are the closest peers by market-cap rank within the same industry; Similar Growth & Profitability Competitors are the closest peers by combined revenue growth, operating margin and ROIC, all independent of the competitor list.
TTM revenue, latest-quarter run-rate and net income/margin benchmarked across Century Bancorp Inc and its 4 competitor groupings. Available under Commercial License.
| Entity | TTM Revenue | Rev Run-rate vs TTM |
|---|---|---|
| Century Bancorp Inc | $12,345M | +12.3% · Accelerating |
| Competitors combined | $12,345M | +12.3% · Accelerating |
TTM revenue, run-rate and net margin benchmarking across Century Bancorp Inc's competitor groups requires a Commercial License.
For context: the Regional Banks industry grew revenue 6.8% year over year, combined, vs 13.6% for Century Bancorp Inc. Century Bancorp Inc's share of combined industry revenue moved from 0.02% to 0.02%, a gain of 0.00 percentage points.
Century Bancorp Inc's Competitor Quality Breadth
Group definitions: see Methodology: Performance Group Definitions.
| Entity | Profitable | Expanding | Above Industry Growth | Distressed |
|---|---|---|---|---|
| Century Bancorp Inc | Yes | Yes | Yes | No |
| Competitors combined (186) |
Source: CSIMarket API, trailing 12 months. Altman Z-Score is not shown here: it is not populated in the underlying data for any company. Percentages are of companies in each group that report the relevant metric, not of the full group size.
CNBKA Stock Performance relative to its Competitors
5 Best-Performing Tracked Competitors, Trailing 12 Months
| # | Competitor | TTM Share Price Return | vs U.S.A. 500 |
|---|---|---|---|
| 1 | Optimumbank Holdings Inc | 282.9% | Outperformed |
| 2 | Old Point Financial Corp | 282.9% | Outperformed |
| 3 | Eagle Bancorp Inc | 282.9% | Outperformed |
| 4 | Community Ban corp | 282.9% | Outperformed |
| 5 | Lionsgate Studios Corp | 282.9% | Outperformed |
TTM share price return and U.S.A. 500 outperformance for Century Bancorp Inc's best-performing competitors requires a Commercial License.
Source: CSIMarket API, trailing 12 months.
Century Bancorp Inc's Comment on Competition and Industry Peers
The Company experiences substantial competition in attracting deposits and making loans from commercial banks, thrift institutions and other enterprises such as insurance companies and mutual funds. These competitors include several major commercial banks whose greater resources may afford them a competitive advantage by enabling them to maintain numerous branch offices and mount extensive advertising campaigns. A number of these competitors are not subject to the regulatory oversight that the Company is subject to, which increases these competitors’ flexibility.
Publicly Traded Peers of Century Bancorp Inc
Revenue and income for trailing 12 months, in millions of $, except employees| Company | Market Cap | Revenues |
|---|---|---|
 Century Bancorp Inc |
641.92 | 135.08 |
 Jpmorgan Chase and Co |
897,436.67 | 190,733.00 |
 Bank Of America Corporation |
356,921.12 | 122,968.00 |
 Wells Fargo and Company |
256,142.91 | 85,055.00 |
 Citigroup inc |
206,640.54 | 91,360.00 |
 Capital one financial corp |
123,039.77 | 54,798.00 |
| SUBTOTAL | 2,643,828.57 | 833,016.39 |
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Sources: see Methodology: Peer & Competitor Identification, Sourcing.
Updated on:
Focus of this report: publicly traded companies. Ten additional tables on Century Bancorp Inc versus competitors, including market share analysis, are in the navigation menu under Competition. To download the tables, please subscribe.
Century Bancorp Inc's Competitors Named by the Company
Competitive relationships identified from Century Bancorp Inc reports and corroborating sources, each with a basis and confidence.| Competitor | Basis | Confidence |
|---|---|---|
| Enterprise Bancorp inc | Company report | 85% |
| Boston private financial holdings inc | Company report | 85% |
| Cnb Corp | Company report | 85% |
| Gouverneur Bancorp, Inc./MD/ | Company report | 85% |
| Bankwell Financial Group Inc | Company report | 85% |
| Metropolitan Bank Holding Corp | Company report | 85% |
| Greene County Bancorp Inc | Company report | 85% |
| Pcsb Financial Corporation | Company report | 85% |
| Pathfinder Bancorp Inc | Company report | 85% |
| United Financial Bancorp Inc | Company report | 85% |
| Flagstar Bank National Association | Company report | 85% |
| Blue Hills Bancorp, Inc. | Company report | 85% |
| Bancorpsouth Inc | Company report | 85% |
| First Connecticut Bancorp, Inc. | Company report | 85% |
| Home Bancshares Inc | Company report | 85% |
| Customers Bancorp Inc | Company report | 85% |
| Pioneer Bancorp Inc | Company report | 85% |
| M and t Bank Corporation | Company report | 85% |
| Randolph Bancorp Inc. | Company report | 85% |
| Tristate Capital Holdings Inc | Company report | 85% |
| Winchester Bancorp Inc | Company report | 85% |
| Beacon Financial Corporation | Company report | 85% |
| C1 Financial, Inc. | Company report | 85% |
| Ecb Bancorp Inc | Company report | 85% |
| Hampden Bancorp, Inc. | Company report | 85% |
| Citizens Financial Group Inc | Company report | 85% |
| Northeast Bancorp | Company report | 85% |
| Independent Bank Corporation | Company report | 85% |
| Rbb Bancorp | Company report | 85% |
| Tompkins Financial Corp | Company report | 85% |
| Vsb Bancorp Inc | Company report | 85% |
| Amalgamated Financial Corp | Company report | 85% |
| Bsb Bancorp, Inc. | Company report | 85% |
| Cambridge Bancorp | Company report | 85% |
| Franklin Financial Network Inc | Company report | 85% |
| The Bank Of New York Mellon Corporation | Company report | 85% |
| Harborone Bancorp Inc | Company report | 85% |
| Flushing Financial Corporation | Company report | 85% |
| Pcb Bancorp | Company report | 85% |
| Northern Trust Corporation | Company report | 85% |
| Sb One Bancorp | Company report | 85% |
| Connectone Bancorp Inc | Company report | 85% |
| Beacon Federal Bancorp, Inc. | Company report | 85% |
| Ballston Spa Bancorp, Inc. | Company report | 85% |
| Fb Financial Corporation | Company report | 85% |
| Hanover Bancorp Inc | Company report | 85% |
| Chemung Financial Corp | Company report | 85% |
| Orange County Bancorp inc | Company report | 85% |
| Lakeland Bancorp Inc | Company report | 85% |
| Rhinebeck Bancorp inc | Company report | 85% |
| Trustco Bank Corp Ny | Company report | 85% |
| Wellesley Bancorp Inc | Company report | 85% |
| Avidia Bancorp, Inc. | Company report | 85% |
| Bm Technologies Inc | Company report | 85% |
Company report basis, confidence, active dates and source counts for Century Bancorp Inc's named competitors require a Commercial License.
Methodology: see Methodology: Peer & Competitor Identification, Sourcing.
Century Bancorp Inc's Business Segment Mix vs Peers
Revenue by operating segment or division, as named and reported by each company. Segment names are the filer's own and are not standardized across companies. Do not assume a same-named or similarly-named segment is defined identically between two companies. Shares are of each company's own total revenue and are not required to sum to 100% (intersegment revenue, unallocated items).| Company | Largest Segment |
|---|---|
| Citigroup inc | Markets 29.42 % |
| Capital one financial corp | Credit Card 74.32 % |
| D r Horton Inc | HomeBuildingOps 94.14 % |
| Citizens Financial Group Inc | Consumer Banking 73.64 % |
| Pultegroup Inc | Florida 27.75 % |
Source: operating segment revenue as reported in each company's reports (10-K/10-Q), via the CSIMarket API, leaf-level reportable segments only (parent roll-up segments are excluded where sub-segments are separately disclosed).
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Century Bancorp Inc's Productivity vs Peers Comparison
Revenue and income per employee, trailing 12 months, in $; market cap in millions of $| Company | Market Cap | Revenue / Employee | Income / Employee |
|---|---|---|---|
| Century Bancorp Inc | 642 | 361,171 | 120,120 |
| Jpmorgan Chase and Co | 897,437 | 598,825 | 204,714 |
| Bank Of America Corporation | 356,921 | 577,315 | 150,793 |
| Wells Fargo and Company | 256,143 | 355,879 | 96,699 |
| Citigroup inc | 206,641 | 404,248 | 80,004 |
| Capital one financial corp | 123,040 | 718,191 | 142,595 |
| PEERS TOTAL | 2,643,187 | 513,794 | 132,579 |
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Century Bancorp Inc's Geographic Revenue Exposure vs Peers
Revenue by country/region as reported in each company's most recent report. Disclosure granularity varies by filer (some report by country, others by broad region) and is shown as disclosed.| Company | Largest Market |
|---|---|
| Lionsgate Studios Corp | UNITED STATES 64.70 % |
Source: revenue geography as reported in each company's reports (10-K/10-Q), via the CSIMarket API. Percentages are of that company's own total consolidated revenue for its most recent reported period.
Century Bancorp Inc's Profitability & Cost Structure
Trailing 12-month margins from SEC-filed financials. Operating margin is compared to the Regional Banks industry median; gross margin, EBITDA margin and capital intensity are compared to the live industry average (2 companies). See the full Regional Banks industry profitability benchmarks.| Metric | Company | Industry | Difference |
|---|---|---|---|
| Gross Margin | - | 56.54 % (avg) | - |
| Operating Margin | - | industry median | - |
| EBITDA Margin | 51.98 % | 50.49 % (avg) | +1.5 pp |
| Capital Intensity (Capex / Revenue) | 6.13 % | 1.38 % (avg) | +4.8 pp |
Source: CSIMarket API, trailing 12 months. SG&A and R&D as a share of revenue have limited coverage as this data is backfilled and appear only where reported. Higher capital intensity is not inherently negative; it reflects the industry's asset requirements.
Century Bancorp Inc's Valuation vs Competitive Position
Valuation multiples vs the Regional Banks industry average (2 companies, excluding loss-making/negative-equity outliers), alongside returns on capital for context on whether a premium or discount lines up with measurably stronger or weaker returns. See the full Regional Banks industry valuation benchmarks.| Metric | Company | Industry Average | Difference |
|---|---|---|---|
| P/E | 14.2x | - | - |
| EV / EBITDA | 7.7x | - | - |
| P/B | 1.6x | - | - |
| Return on Equity | 11.61 % | industry aggregate | -0.92 % |
| Return on Invested Capital | 5.00 % | 4.16 % (avg) | 0.84 % |
Source: CSIMarket API, trailing 12 months. A valuation premium or discount is not, by itself, a judgment of over- or under-valuation. Compare it against the return and growth context shown elsewhere on this page.
Century Bancorp Inc's Multi-Year Financial Trajectory
Fiscal-year revenue growth, operating margin, return on invested capital and P/E, as reported in company reports.| Metric | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 |
|---|---|---|---|---|---|---|---|
| Revenue Growth | 200.13 % | 7.92 % | 3.70 % | 12.87 % | 7.07 % | 5.08 % | 6.35 % |
| Operating Margin | - | 27.47 % | - | 33.13 % | - | - | - |
| Return on Invested Capital | - | 5.06 % | - | 5.80 % | 3.70 % | 3.76 % | 4.48 % |
| P/E | - | 10.3x | 12.9x | 20.6x | 11.9x | 12.2x | 9.9x |
Source: CSIMarket API, fiscal-year figures. P/E is this company's own historical ratio at each fiscal year end and can swing sharply around an earnings trough: that is real, not a data error.
Century Bancorp Inc's Competitive Forces (Porter's Five Forces)
Only the forces this data can support honestly are shown; the other three are marked as such rather than guessed.| Force | Assessment | Basis |
|---|---|---|
| Barriers to Entry | High (capital intensive) | Capital intensity (capex / revenue) of 6.13 % vs industry average 1.38 % (see Profitability & Cost Structure above) |
Note: see Methodology: Porter's Five Forces. Supplier power and buyer power are covered on Century Bancorp Inc's dedicated Suppliers and Customers pages, not here.
Century Bancorp Inc's Industry Attractiveness & Competitive Strength
See Methodology: GE/McKinsey Matrix for how the two axes are built.
Century Bancorp Inc falls in the High attractiveness / Medium strength cell: Invest / Grow.
Source: CSIMarket API, trailing 12 months. Each axis score is a simple 1(low)/2(medium)/3(high) average across its three inputs -- a transparent, disclosed simplification, not a validated academic scoring model.
Century Bancorp Inc's SWOT
Every point below is a fixed rule applied to a metric already shown elsewhere on this page (Market Structure, Profitability, Valuation, Run-Rate, Stock Performance, Quality Breadth) not an independent strategic assessment. A blank quadrant means no rule was met, not that none apply.Strengths
- Latest-quarter revenue run-rate is accelerating (+2.9% annualized vs trailing 12 months).
Weaknesses
No rule matched.
Opportunities
- Industry revenue growing at a healthy 11.8% median pace.
Threats
- Tracked peer group's revenue run-rate is broadly decelerating (-23.5% annualized).
- High capital intensity requires continuous reinvestment just to keep pace with the industry.
Methodology: see Methodology: SWOT Analysis.
Century Bancorp Inc's Financial Strength vs Peers Comparison
Quick ratio, working capital, debt to equity and asset turnover, trailing 12 months| Company | Quick Ratio | Working Capital | Debt / Equity |
|---|---|---|---|
| Century Bancorp Inc | 0.08 | 1.55 | 1.09 |
| Jpmorgan Chase and Co | 0.15 | 0.42 | 1.41 |
| Bank Of America Corporation | 0.10 | 0.52 | 1.27 |
| Wells Fargo and Company | 0.11 | 0.80 | 1.16 |
| Citigroup inc | 0.07 | 0.40 | 1.78 |
| Capital one financial corp | 0.05 | 1.03 | 0.58 |
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Quick ratio = cash / current liabilities; working capital ratio = current assets / current liabilities; asset turnover = revenue / total assets. Peers in the Blank Checks industry are excluded.
Century Bancorp Inc's Revenue and Income Growth vs Peers
Quarterly revenue and net income growth, year over year and quarter over quarter| Company | Period | Revenue Y/Y | Income Y/Y |
|---|---|---|---|
| Century Bancorp Inc | Q3 2021 | +13.6 % | +7.8 % |
| Jpmorgan Chase and Co | Q3 2026 | +10.2 % | +9.0 % |
| Bank Of America Corporation | Q3 2026 | +3.2 % | -16.8 % |
| Wells Fargo and Company | Q3 2026 | +5.4 % | +6.9 % |
| Citigroup inc | Q2 2026 | +14.3 % | +44.6 % |
| Capital one financial corp | Q3 2026 | +29.3 % | +12.0 % |
| PEERS TOTAL | +10.1 % | +13.9 % |
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Growth is shown only where both periods are positive. Peers in the Blank Checks industry are excluded.
Century Bancorp Inc's Peers' Costs of Sales and Capital Expenditures
Context for revenue growth: peer costs and capex, year over year and quarter over quarter| Company | Period | Costs Y/Y | Capex Y/Y |
|---|---|---|---|
| Century Bancorp Inc | Q3 2021 | - | +21.4 % |
| Jpmorgan Chase and Co | Q3 2026 | -12.8 % | - |
| Bank Of America Corporation | Q3 2026 | - | - |
| Wells Fargo and Company | Q3 2026 | +31.5 % | - |
| Citigroup inc | Q2 2026 | - | -11.6 % |
| Capital one financial corp | Q3 2026 | +7.4 % | +1.3 % |
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Century Bancorp Inc's Returns and Turnover vs Peers
ROA, ROI and ROE (trailing 12 months), receivables and inventory turnover| Company | ROA | ROI | ROE |
|---|---|---|---|
| Century Bancorp Inc | 0.64% | 6.82% | 11.61% |
| Jpmorgan Chase and Co | 1.34% | 1.65% | 17.70% |
| Bank Of America Corporation | 0.93% | 1.18% | 10.69% |
| Wells Fargo and Company | 1.04% | 1.23% | 12.78% |
| Citigroup inc | 0.66% | 0.69% | 8.46% |
| Capital one financial corp | 1.61% | 1.59% | 9.69% |
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ROA = net income / total assets; ROI = net income / investments; ROE = net income / equity; turnover ratios use trailing 12 month revenue (receivables) and cost of sales (inventory).
Century Bancorp Inc's Valuation vs Peers
P/E, price to sales, PEG, price to cash flow and price to book| Company | P/E | Price / Sales |
|---|---|---|
| Century Bancorp Inc | 14.30 | 4.75 |
| Jpmorgan Chase and Co | 14.07 | 4.71 |
| Bank Of America Corporation | 11.79 | 2.90 |
| Wells Fargo and Company | 11.91 | 3.01 |
| Citigroup inc | 12.90 | 2.26 |
| Capital one financial corp | 11.48 | 2.25 |
| PEERS AVERAGE | 12.30 | 3.17 |
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P/E = price / diluted EPS (trailing 12 months); PEG = P/E divided by EPS growth; the average row divides the peers' combined market cap by their combined income, sales, cash flow and equity.