_id
690f3cbcccc777a4e85d1a55
Ticker
CCS
Name
Century Communities Inc
Exchange
NYSE
Address
8390 East Crescent Parkway, Greenwood Village, CO, United States, 80111
Country
USA
Sector
Real Estate
Industry
Real Estate - Development
Currency
USD
Website
https://www.centurycommunities.com
Description
Century Communities, Inc., together with its subsidiaries, engages in the design, development, construction, marketing, and sale of single-family attached and detached homes. It is also involved in the entitlement and development of the underlying land; and provision of mortgage, title, and insurance services to its homebuyers. The company offers homes under the Century Communities and Century Complete brands. It sells homes through its sales representatives, retail studios, and internet, as well as through independent real estate brokers in 18 states in the United States. Century Communities, Inc. was founded in 2002 and is headquartered in Greenwood Village, Colorado.
Last Close
63.33
Volume
125795
Current Price
63.22
Change
-0.17369335228169816
Last Updated
2025-11-29T11:15:55.911Z
Image
data:image/webp;base64,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
Ipo Date
2014-06-18T00:00:00.000Z
Market Cap
1937793024
Next Dividend Date
2025-12-10T00:00:00.000Z
Dividend Frequency
Quarterly
Dividend Rate
0.29
Dividend Yield
1.8068535825545171
Sentiment
0.9576363636363637
Sentiment Sources
11
Rating
3.5
Target Price
66
Strong Buy
1
Buy
0
Hold
3
Sell
0
Strong Sell
0
Current Quarter
2025-09-30
Revenue
980284000
Cost Of Revenue
780566000
Gross Profit
199718000
Operating Expenses
119895000
Operating Income
79823000
Interest Expense
-
Pretax Income
47838000
Net Income
37403000
Eps
1.2459711971220506
Dividends Per Share
-8607000
Shares Outstanding
29384289
Income Tax Expense
10435000
EBITDA
53843000
Operating Margin
8.142844318585226
Total Other Income Expense Net
-31985000
Cash
130075000
Short Term Investments
-
Receivables
70454000
Inventories
3584246000
Total Current Assets
4100225000
Property Plant Equipment
359250000
Total Assets
4693975000
Payables
168989000
Short Term Debt
339000000
Long Term Debt
1323974000
Total Liabilities
2115953000
Equity
2578022000
Depreciation
6005000
Change In Working Capital
-56053000
Cash From Operations
339000
Capital Expenditures
10756000
Cash From Investing
986000
Cash From Financing
45876000
Net Change In Cash
47197000
PE
9.5175
PB
0.7475613561870302
ROE
1.4508409935989686
ROA
0.7968299788558737
FCF
-10417000
Fcf Percent
-0.010626512316838794
Piotroski FScore
3
Health Score
47
Deep Value Investing Score
6
Defensive Investing Score
7
Dividend Investing Score
4
Economic Moat Investing Score
6.3
Garp Investing Score
4.5
Growth Investing Score
2
Momentum Investing Score
7.5
Net Net Investing Score
3
Quality Investing Score
4
Value Investing Score
7.5
Quarters > 0 > quarter
2025-09-30
Quarters > 0 > income Statement > revenue
980284000
Quarters > 0 > income Statement > cost Of Revenue
780566000
Quarters > 0 > income Statement > gross Profit
199718000
Quarters > 0 > income Statement > operating Expenses
119895000
Quarters > 0 > income Statement > operating Income
79823000
Quarters > 0 > income Statement > interest Expense
-
Quarters > 0 > income Statement > pretax Income
47838000
Quarters > 0 > income Statement > net Income
37403000
Quarters > 0 > income Statement > eps
1.2459711971220506
Quarters > 0 > income Statement > dividends Per Share
-8607000
Quarters > 0 > income Statement > shares Outstanding
30019153
Quarters > 0 > income Statement > income Tax Expense
10435000
Quarters > 0 > income Statement > EBITDA
53843000
Quarters > 0 > income Statement > operating Margin
8.142844318585226
Quarters > 0 > income Statement > total Other Income Expense Net
-31985000
Quarters > 0 > balance Sheet > cash
130075000
Quarters > 0 > balance Sheet > short Term Investments
-
Quarters > 0 > balance Sheet > receivables
70454000
Quarters > 0 > balance Sheet > inventories
3584246000
Quarters > 0 > balance Sheet > total Current Assets
4100225000
Quarters > 0 > balance Sheet > property Plant Equipment
359250000
Quarters > 0 > balance Sheet > total Assets
4693975000
Quarters > 0 > balance Sheet > payables
168989000
Quarters > 0 > balance Sheet > short Term Debt
339000000
Quarters > 0 > balance Sheet > long Term Debt
1323974000
Quarters > 0 > balance Sheet > total Liabilities
2115953000
Quarters > 0 > balance Sheet > equity
2578022000
Quarters > 0 > cash Flow > net Income
37403000
Quarters > 0 > cash Flow > depreciation
6005000
Quarters > 0 > cash Flow > change In Working Capital
-56053000
Quarters > 0 > cash Flow > cash From Operations
339000
Quarters > 0 > cash Flow > capital Expenditures
10756000
Quarters > 0 > cash Flow > cash From Investing
986000
Quarters > 0 > cash Flow > cash From Financing
45876000
Quarters > 0 > cash Flow > net Change In Cash
47197000
Quarters > 0 > ratios > PE
1.2459711971220506
Quarters > 0 > ratios > PB
0.7475613561870302
Quarters > 0 > ratios > ROE
1.4508409935989686
Quarters > 0 > ratios > ROA
0.7968299788558737
Quarters > 0 > ratios > FCF
-10417000
Quarters > 0 > ratios > Piotroski FScore
3
Quarters > 0 > ratios > fcf Percent
-0.010626512316838794
Quarters > 0 > health Score
47
Quarters > 1 > quarter
2025-06-30
Quarters > 1 > income Statement > revenue
1000724000
Quarters > 1 > income Statement > cost Of Revenue
822141000
Quarters > 1 > income Statement > gross Profit
178583000
Quarters > 1 > income Statement > operating Expenses
128836999
Quarters > 1 > income Statement > operating Income
49746001
Quarters > 1 > income Statement > interest Expense
-
Quarters > 1 > income Statement > pretax Income
47083000
Quarters > 1 > income Statement > net Income
34854000
Quarters > 1 > income Statement > eps
1.1360125158893126
Quarters > 1 > income Statement > dividends Per Share
-8783000
Quarters > 1 > income Statement > shares Outstanding
30681000
Quarters > 1 > income Statement > income Tax Expense
12229000
Quarters > 1 > income Statement > EBITDA
56180000
Quarters > 1 > income Statement > operating Margin
4.97100109520707
Quarters > 1 > income Statement > total Other Income Expense Net
-2663001
Quarters > 1 > balance Sheet > cash
93246000
Quarters > 1 > balance Sheet > short Term Investments
-
Quarters > 1 > balance Sheet > receivables
68893000
Quarters > 1 > balance Sheet > inventories
3509639000
Quarters > 1 > balance Sheet > total Current Assets
4061883000
Quarters > 1 > balance Sheet > property Plant Equipment
86865000
Quarters > 1 > balance Sheet > total Assets
4579490000
Quarters > 1 > balance Sheet > payables
145269000
Quarters > 1 > balance Sheet > short Term Debt
270000000
Quarters > 1 > balance Sheet > long Term Debt
1316642000
Quarters > 1 > balance Sheet > total Liabilities
2015499000
Quarters > 1 > balance Sheet > equity
2563991000
Quarters > 1 > cash Flow > net Income
34854000
Quarters > 1 > cash Flow > depreciation
6434000
Quarters > 1 > cash Flow > change In Working Capital
-66075000
Quarters > 1 > cash Flow > cash From Operations
-883000
Quarters > 1 > cash Flow > capital Expenditures
6506999
Quarters > 1 > cash Flow > cash From Investing
33728000
Quarters > 1 > cash Flow > cash From Financing
-29471000
Quarters > 1 > cash Flow > net Change In Cash
3072000
Quarters > 1 > ratios > PE
1.1360125158893126
Quarters > 1 > ratios > PB
0.7682243034394427
Quarters > 1 > ratios > ROE
1.3593651459775016
Quarters > 1 > ratios > ROA
0.7610891169103984
Quarters > 1 > ratios > FCF
-7389999
Quarters > 1 > ratios > Piotroski FScore
2
Quarters > 1 > ratios > fcf Percent
-0.007384652511581615
Quarters > 1 > health Score
46
Quarters > 2 > quarter
2025-03-31
Quarters > 2 > income Statement > revenue
903232000
Quarters > 2 > income Statement > cost Of Revenue
724505000
Quarters > 2 > income Statement > gross Profit
178727000
Quarters > 2 > income Statement > operating Expenses
120760000
Quarters > 2 > income Statement > operating Income
57967000
Quarters > 2 > income Statement > interest Expense
-
Quarters > 2 > income Statement > pretax Income
52518000
Quarters > 2 > income Statement > net Income
39384000
Quarters > 2 > income Statement > eps
1.2644962434983626
Quarters > 2 > income Statement > dividends Per Share
-8922000
Quarters > 2 > income Statement > shares Outstanding
31146000
Quarters > 2 > income Statement > income Tax Expense
13134000
Quarters > 2 > income Statement > EBITDA
64395000
Quarters > 2 > income Statement > operating Margin
6.417730992701765
Quarters > 2 > income Statement > total Other Income Expense Net
-5449000
Quarters > 2 > balance Sheet > cash
100336000
Quarters > 2 > balance Sheet > short Term Investments
-
Quarters > 2 > balance Sheet > receivables
43800000
Quarters > 2 > balance Sheet > inventories
3473356000
Quarters > 2 > balance Sheet > total Current Assets
4024037000
Quarters > 2 > balance Sheet > property Plant Equipment
86618000
Quarters > 2 > balance Sheet > total Assets
4556278000
Quarters > 2 > balance Sheet > payables
134256000
Quarters > 2 > balance Sheet > short Term Debt
237000000
Quarters > 2 > balance Sheet > long Term Debt
1320433000
Quarters > 2 > balance Sheet > total Liabilities
1977775000
Quarters > 2 > balance Sheet > equity
2578503000
Quarters > 2 > cash Flow > net Income
39384000
Quarters > 2 > cash Flow > depreciation
6428000
Quarters > 2 > cash Flow > change In Working Capital
-80291000
Quarters > 2 > cash Flow > cash From Operations
-36580000
Quarters > 2 > cash Flow > capital Expenditures
3380000
Quarters > 2 > cash Flow > cash From Investing
-4093000
Quarters > 2 > cash Flow > cash From Financing
-1479000
Quarters > 2 > cash Flow > net Change In Cash
-42152000
Quarters > 2 > ratios > PE
1.2644962434983626
Quarters > 2 > ratios > PB
0.7754783298681445
Quarters > 2 > ratios > ROE
1.5273978738826366
Quarters > 2 > ratios > ROA
0.8643897497035958
Quarters > 2 > ratios > FCF
-39960000
Quarters > 2 > ratios > Piotroski FScore
2
Quarters > 2 > ratios > fcf Percent
-0.044241125203712886
Quarters > 2 > health Score
46
Quarters > 3 > quarter
2024-12-31
Quarters > 3 > income Statement > revenue
1273429000
Quarters > 3 > income Statement > cost Of Revenue
999250000
Quarters > 3 > income Statement > gross Profit
274179000
Quarters > 3 > income Statement > operating Expenses
143435000
Quarters > 3 > income Statement > operating Income
130744000
Quarters > 3 > income Statement > interest Expense
-
Quarters > 3 > income Statement > pretax Income
135196000
Quarters > 3 > income Statement > net Income
102741000
Quarters > 3 > income Statement > eps
3.203848072845204
Quarters > 3 > income Statement > dividends Per Share
-8122000
Quarters > 3 > income Statement > shares Outstanding
32068000
Quarters > 3 > income Statement > income Tax Expense
32455000
Quarters > 3 > income Statement > EBITDA
137593000
Quarters > 3 > income Statement > operating Margin
10.267082028130348
Quarters > 3 > income Statement > total Other Income Expense Net
4452000
Quarters > 3 > balance Sheet > cash
149998000
Quarters > 3 > balance Sheet > short Term Investments
-
Quarters > 3 > balance Sheet > receivables
50318000
Quarters > 3 > balance Sheet > inventories
3454337000
Quarters > 3 > balance Sheet > total Current Assets
3957853000
Quarters > 3 > balance Sheet > property Plant Equipment
274617000
Quarters > 3 > balance Sheet > total Assets
4532472000
Quarters > 3 > balance Sheet > payables
133086000
Quarters > 3 > balance Sheet > short Term Debt
135500000
Quarters > 3 > balance Sheet > long Term Debt
1340713000
Quarters > 3 > balance Sheet > total Liabilities
1911616000
Quarters > 3 > balance Sheet > equity
2620856000
Quarters > 3 > cash Flow > net Income
102740000
Quarters > 3 > cash Flow > depreciation
6849000
Quarters > 3 > cash Flow > change In Working Capital
197814000
Quarters > 3 > cash Flow > cash From Operations
299678000
Quarters > 3 > cash Flow > capital Expenditures
37663000
Quarters > 3 > cash Flow > cash From Investing
45016000
Quarters > 3 > cash Flow > cash From Financing
-348279000
Quarters > 3 > cash Flow > net Change In Cash
-3585000
Quarters > 3 > ratios > PE
3.203848072845204
Quarters > 3 > ratios > PB
0.7855317499320832
Quarters > 3 > ratios > ROE
3.9201314379729375
Quarters > 3 > ratios > ROA
2.266776275727682
Quarters > 3 > ratios > FCF
262015000
Quarters > 3 > ratios > Piotroski FScore
4
Quarters > 3 > ratios > fcf Percent
0.20575548381574474
Quarters > 3 > health Score
70
Valuation > metrics > PE
9.5175
Valuation > metrics > PB
0.7475613561870302
Valuation > final Score
90
Valuation > verdict
15.0% Undervalued
Profitability > metrics > ROE
1.4508409935989686
Profitability > metrics > ROA
0.9122182319262968
Profitability > metrics > Net Margin
0.038155269289308
Profitability > final Score
11
Profitability > verdict
Weak
Risk > metrics > Debt Equity
0.8207660756967939
Risk > metrics > Interest Coverage
13.292756036636137
Risk > final Score
88
Risk > verdict
Low
Liquidity > metrics > Current Ratio
8.071483831342805
Liquidity > metrics > Quick Ratio
1.015728687038499
Liquidity > final Score
100
Liquidity > verdict
Great
Prev Valuations > 0
90
Prev Valuations > 1
90
Prev Valuations > 2
90
Prev Profitabilities > 0
11
Prev Profitabilities > 1
13
Prev Profitabilities > 2
28
Prev Risks > 0
70
Prev Risks > 1
68
Prev Risks > 2
88
Prev Liquidities > 0
100
Prev Liquidities > 1
100
Prev Liquidities > 2
100
Updated At
2025-12-12T15:03:53.683Z
Century Communities, Inc., together with its subsidiaries, engages in the design, development, construction, marketing, and sale of single-family attached and detached homes. It is also involved in the entitlement and development of the underlying land; and provision of mortgage, title, and insurance services to its homebuyers. The company offers homes under the Century Communities and Century Complete brands. It sells homes through its sales representatives, retail studios, and internet, as well as through independent real estate brokers in 18 states in the United States. Century Communities, Inc. was founded in 2002 and is headquartered in Greenwood Village, Colorado.
Stock Price
$ 0.00
0% decrease compared to yesterday.
Dividend
Frequency:
Rate:
0.29Next Payout:
Dec 10, 2025Yield:
1.8069 %Marshall Wace LLP Sells 18,043 Shares of Century Communities, Inc. $CCS MarketBeat
Read more →Century Communities (CCS) Gets Downgraded to Underweight From Neutral by JPMorgan - Yahoo Finance UK
12/9/2025
Century Communities (CCS) Gets Downgraded to Underweight From Neutral by JPMorgan Yahoo Finance UK
Read more →Showing 2 of 10
(Last Updated 2025-09-30)
Rating:
BUY
Target Price:
$66
Analyst Picks
Strong Buy
1
Buy
0
Hold
3
Sell
0
Strong Sell
0
Sentiment:
Bullish
(Last Updated 2025-09-30)
Health Score
Price to Earnings Ratio (P/E)
-
Very High
Low ≥ 50
High ≤ 10
Price to Book Ratio (P/B)
-
Very Low
Low ≤ 1
High ≥ 3
Return on Equity (ROE)
-
Very Low
Low ≤ 5%
High ≥ 25%
Return on Assets (ROA)
-
Very Low
Low ≤ 2%
High ≥ 10%
Free Cash Flow - Revenue % (FCF)
-
Very Low
Low ≤ 5%
High ≥ 15%
Debt to Equity
-
Low
Low ≥ 1
High ≤ 0.3
* Institutions hold a combined 100.33% of the total shares of Century Communities Inc
1.
BlackRock Inc(16.7191%)
since
2025/06/30
2.
Dimensional Fund Advisors, Inc.(6.7885%)
since
2025/06/30
3.
Vanguard Group Inc(6.7589%)
since
2025/06/30
4.
Wellington Management Company LLP(5.5035%)
since
2025/06/30
5.
iShares Core S&P Small-Cap ETF(5.3987%)
since
2025/08/31
6.
Capital World Investors(5.0944%)
since
2025/06/30
7.
American Funds SMALLCAP World A(5.0944%)
since
2025/06/30
8.
State Street Corp(4.8322%)
since
2025/06/30
9.
Westwood Holdings Group Inc(4.5209%)
since
2025/06/30
10.
Balyasny Asset Management LLC(3.5196%)
since
2025/06/30
11.
Vanguard Total Stock Mkt Idx Inv(2.9446%)
since
2025/07/31
12.
iShares Russell 2000 ETF(2.168%)
since
2025/08/31
13.
Geode Capital Management, LLC(2.1445%)
since
2025/06/30
14.
Charles Schwab Investment Management Inc(1.9793%)
since
2025/06/30
15.
Jennison Associates LLC(1.6189%)
since
2025/06/30
16.
SPDR® S&P Homebuilders ETF(1.5705%)
since
2025/08/31
17.
DFA US Small Cap Value I(1.4418%)
since
2025/07/31
18.
Morgan Stanley - Brokerage Accounts(1.4279%)
since
2025/06/30
19.
Heartland Advisors Inc(1.4134%)
since
2025/06/30
20.
Westwood Quality SmallCap Fund Inst(1.1753%)
since
2025/06/30
21.
Westwood Mgt SmallCap Value(1.1753%)
since
2025/06/30
22.
Northern Trust Corp(1.0393%)
since
2025/06/30
23.
Bank of New York Mellon Corp(0.9837%)
since
2025/06/30
24.
iShares US Home Construction ETF(0.9796%)
since
2025/08/31
25.
Franklin Resources Inc(0.975%)
since
2025/06/30
26.
Vanguard Institutional Extnd Mkt Idx Tr(0.9703%)
since
2025/07/31
27.
Franklin US Small Cap Value Equity(0.9627%)
since
2025/06/30
28.
Voss Capital LLC(0.9602%)
since
2025/06/30
29.
Marshall Wace Asset Management Ltd(0.9409%)
since
2025/06/30
30.
Fidelity Small Cap Index(0.9119%)
since
2025/06/30
31.
Two Sigma Investments LLC(0.9084%)
since
2025/06/30
32.
Schwab Fundamental U.S. Small CompanyETF(0.9014%)
since
2025/08/30
33.
JPMorgan Chase & Co(0.8996%)
since
2025/06/30
34.
Heartland Value Investor(0.876%)
since
2025/07/31
35.
iShares S&P Small-Cap 600 Value ETF(0.8422%)
since
2025/08/31
36.
DFA US Targeted Value I(0.834%)
since
2025/07/31
37.
iShares Russell 2000 Value ETF(0.7969%)
since
2025/08/31
38.
SPDR® Portfolio S&P 600™ Sm Cap ETF(0.7951%)
since
2025/08/29
39.
American Beacon Small Cp Val R5(0.7517%)
since
2025/08/31
40.
Dimensional US Targeted Value ETF(0.707%)
since
2025/08/29
* Investors data is estimated based on stocks listed on Finnton that are currently held by Institution/Fund.
No earnings data available.
(Last Updated 2025-09-30)
(Last Updated 2025-09-30)
Revenue
$ 0
Cost Of Revenue
$ 0
Gross Profit
$ 0
Operating Expenses
$ 0
Operating Income
$ 0
Interest Expense
$ 0
Pretax Income
$ 0
Net Income
$ 0
Income Tax Expense
$ 0
EBITDA
$ 0
Total Other Income Expense Net
$ 0
Earnings Per Share
0
Dividends Per Share
0
Shares Outstanding
0
Operating Margin
0%
(Last Updated 2025-09-30)
Cash
$ 0
Short Term Investments
$ 0
Receivables
$ 0
Inventories
$ 0
Total Current Assets
$ 0
Property Plant Equipment
$ 0
Total Assets
$ 0
Payables
$ 0
Short Term Debt
$ 0
Long Term Debt
$ 0
Total Liabilities
$ 0
Equity
$ 0
(Last Updated 2025-09-30)
Net Income
$ 0
Depreciation
$ 0
Change In Working Capital
$ 0
Cash From Operations
$ 0
Capital Expenditures
$ 0
Cash From Investing
$ 0
Cash From Financing
$ 0
Net Change In Cash
$ 0
Disclaimer: Finnton is a stock screener tool provided for informational and educational purposes only. The data, analysis, and insights offered on this website do not constitute financial, investment, tax, or legal advice. Users are solely responsible for their own investment decisions, and Finnton makes no guarantees regarding the accuracy, completeness, or reliability of the information provided. Past performance is not indicative of future results. Always conduct your own research and consult with a licensed financial advisor before making any investment decisions.