Century Communities Inc. Common Stock (CCS)

FairStock Score: 53/100 — MIXED

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

I look at Century Communities as a cyclical homebuilder, not a franchise with a wide moat. It designs and sells single-family homes and offers mortgage, title, and insurance services, but homebuilding is competitive and capital-intensive; scale helps, yet pricing power is limited. The latest filed figures show fiscal Q2 2026, the quarter ended 2026-06-30, with revenue of $927.2M, net income of $36.1M, and diluted EPS of $1.26. That was profitable, and net income edged above fiscal Q2 2025's $34.9M, but revenue fell from $1.0B. The longer trend is more troubling: FY2025, ended 2025-12-31, produced revenue of $4.1B, net income of $147.6M, and diluted EPS of $4.86, down sharply from FY2024's $333.8M and $10.40. FairStock's calculations at the 2026-10-13 close show a P/E of 12.20, P/B of 0.62, ROE of 5.22%, ROCE of 2.74%, and a 2.07% dividend yield. The asset discount is the main attraction: the Graham Number is $96.12, a 42.23% margin of safety, and the Lynch category is ASSET PLAY because it trades at 0.62 times book. But low returns on equity and capital argue that book value deserves a haircut. Debt-to-equity of 0.66 and an Altman Z-Score of 2.29 are not alarming but not fortress-like. Free cash flow is only $35.0M, a 2.2% yield, and PEG of 3.29 and EV/EBITDA of 16.02 suggest growth is not cheap. I would call it a statistically cheap asset play with mediocre business quality, dependent on the housing cycle.

In plain English: The company builds and sells single-family homes and provides mortgage, title, and insurance services. Recent sales have slipped, margins are thin, and profits are well below where they were a couple of years ago, but it remains profitable and pays a dividend. At the recent price, the stock looks inexpensive relative to its net assets and earnings, though not clearly cheap relative to its slow growth.

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Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer