Century Communities, Inc.
- Open
- 64.19
- Day high
- 65.41
- Day low
- 63.71
- Prev close
- 65.53
- Volume
- 256K
- Mkt cap
- $1.8B
- P/E (TTM)
- 14.2
- EPS (TTM)
- $4.48
- P/B
- 0.7
- P/S
- 0.5
- Yield
- 1.91%
- Per share
- $1.22
Century Communities, Inc. (CCS) is a Consumer Cyclical company listed on NYSE. The stock is up 9% over the past year.
Century Communities, Inc. (CCS) financials & analyst ratings
Fundamentals (TTM)
Analyst consensus · 2 analysts
Source: exchange market data + company filings. Figures are trailing-twelve-month or as most recently reported. For informational purposes only — not investment advice.
CCS earnings date, history & EPS estimates
| Report date | EPS est | EPS actual | Surprise | Revenue | Rev. surprise |
|---|---|---|---|---|---|
| Apr 22, 2026 | $0.61 | $0.88 | +44.3% | $790M | -2.2% |
| Jan 28, 2026 | $1.39 | $1.59 | +14.4% | $1.2B | +38.3% |
| Oct 22, 2025 | $0.86 | $1.52 | +76.7% | $980M | -6.7% |
| Jul 23, 2025 | $1.16 | $1.37 | +18.1% | $1.0B | -5.7% |
| Apr 23, 2025 | $1.74 | $1.36 | -21.8% | $903M | -1.0% |
| Jan 29, 2025 | $3.16 | $3.49 | +10.4% | $1.3B | -0.9% |
| Oct 23, 2024 | $2.56 | $2.59 | +1.2% | $1.1B | -11.3% |
| Jul 24, 2024 | $2.47 | $2.61 | +5.7% | $1.0B | +0.7% |
| Jan 31, 2024 | $2.31 | $2.93 | +26.8% | $1.2B | +34.4% |
| Oct 25, 2023 | $1.64 | $2.58 | +57.3% | $889M | +13.3% |
| Jul 26, 2023 | $0.98 | $1.60 | +63.3% | $844M | +17.0% |
| Feb 1, 2023 | $2.43 | $2.71 | +11.5% | $1.2B | +16.8% |
CCS insider trading activity (SEC Form 4)
| Date | Insider | Type | Shares | Price |
|---|---|---|---|---|
| Jun 12, 2026 | Francescon Daledirector, officer: Executive Chairman | Grant | 206 | — |
| Jun 12, 2026 | DIXON JOHN SCOTTofficer: Chief Financial Officer | Grant | 173 | — |
| Jun 12, 2026 | Francescon Robert Jdirector, officer: CEO and President | Grant | 360 | — |
| May 8, 2026 | GUERICKE KEITH Rdirector | Grant | 3,225 | — |
| May 8, 2026 | Lippman James Mdirector | Grant | 3,225 | — |
| May 8, 2026 | Arvielo Patricia L.director | Grant | 3,225 | — |
| May 8, 2026 | Francescon Daledirector, officer: Executive Chairman | Grant | 36,853 | — |
| May 8, 2026 | Francescon Robert Jdirector, officer: CEO and President | Grant | 64,492 | — |
| May 8, 2026 | Box John Pdirector | Grant | 3,225 | — |
| May 8, 2026 | DIXON JOHN SCOTTofficer: Chief Financial Officer | Grant | 13,820 | — |
| May 8, 2026 | Ramirez Elisa Zdirector | Grant | 3,225 | — |
| Mar 12, 2026 | DIXON JOHN SCOTTofficer: Chief Financial Officer | Grant | 93 | — |
| Feb 13, 2026 | Francescon Daledirector, officer: Executive Chairman | Sell | 87,736 | $72.32 |
| Feb 13, 2026 | Francescon Daledirector, officer: Executive Chairman | Sell | 12,364 | $73.29 |
| Feb 10, 2026 | DIXON JOHN SCOTTofficer: Chief Financial Officer | Option | 1,941 | — |
Source: CCS SEC Form 4 filings, latest Jun 12, 2026. For informational purposes only — not investment advice.
See the full CCS insider & 13F page →Century Communities, Inc. company profile
Overview
Century Communities, Inc. (NYSE:CCS) is a residential homebuilder founded in 2002 and headquartered in Greenwood Village, Colorado. The company went public in 2014 and has grown from operating in 2 states and 5 markets to a presence across 17 states and over 45 markets. Century Communities focuses primarily on building affordable, entry-level single-family homes, with over 90% of its deliveries priced below Federal Housing Administration (FHA) limits. The company operates under two main brands: Century Communities for traditional homes and Century Complete for more affordable entry-level housing.
Business
Century Communities operates in the residential construction industry, specifically focusing on the design, development, construction, marketing, and sale of single-family attached and detached homes. The homebuilding industry involves acquiring land, obtaining necessary permits and entitlements, constructing homes, and selling them to individual buyers. This is a capital-intensive business that requires significant upfront investment in land and construction before revenue is realized upon home delivery. The company operates two primary business segments. Home Sales represents the vast majority of revenue, accounting for approximately 96% of total revenues. This segment involves the construction and sale of single-family homes under two brands: Century Communities (traditional homes) and Century Complete (affordable entry-level homes targeting first-time buyers). Century Complete typically accounts for about 37% of total deliveries and features lower average selling prices around $258,000 compared to the company average of approximately $390,000. Financial Services comprises the remaining 4% of revenue and includes mortgage, title, and insurance services provided to homebuyers. The company operates a captive mortgage company that originates loans for its customers, with over 60% of these mortgages being FHA, USDA, or VA loans that cater to first-time and lower-income buyers. This segment also provides title and insurance services, creating additional revenue streams from each home sale. The company builds nearly 100% of its homes on a speculative ("spec") basis, meaning homes are constructed before a specific buyer is identified, rather than building custom homes for pre-contracted buyers. This approach allows for faster delivery times and better inventory management but requires accurate demand forecasting.
Revenue model
Century Communities generates revenue primarily through the sale of completed homes, with additional income from financial services. The company's business model involves purchasing land, obtaining development permits, constructing homes, and selling them to individual buyers. Revenue is recognized when homes are delivered to customers, creating a cyclical cash flow pattern where significant capital is invested upfront in land and construction costs before revenue realization. The company's customers are primarily individual homebuyers, with a focus on first-time buyers and those seeking affordable housing options. Over 92% of deliveries are priced below FHA limits, indicating the company's targeting of middle and lower-middle-income buyers. The financial services segment generates additional revenue by capturing a significant portion of the mortgage origination business from home sales, with the captive mortgage company handling approximately 60-65% of customer financing. Several factors significantly impact the company's margins and profitability. Interest rate fluctuations directly affect housing demand and the company's cost of capital, with higher rates reducing buyer affordability and requiring increased incentives such as mortgage rate buydowns. Construction material costs and labor availability influence direct construction expenses, with the company having experienced both inflationary pressures and recent cost stabilization. Land costs and availability represent a major expense component, with the company managing a pipeline of approximately 80,000 owned and controlled lots. Economic conditions and consumer confidence drive housing demand, while local market dynamics in the company's 17-state footprint create regional performance variations. The company's focus on affordable housing provides some insulation from economic downturns but also limits pricing power during strong market conditions.
Competitive moat
Century Communities operates in the highly competitive and fragmented homebuilding industry, where traditional competitive moats are relatively weak. The company's primary competitive advantages center around its operational scale and geographic diversification across 17 states and 45+ markets, which provides risk mitigation and allows for resource optimization across regions. The company has built expertise in the affordable housing segment, with operational systems designed to efficiently deliver entry-level homes at competitive price points. The company's integrated financial services platform provides some competitive advantage by capturing additional revenue from each transaction and offering customers streamlined financing solutions. The captive mortgage company's focus on FHA, USDA, and VA loans aligns well with the target customer base and creates switching costs for buyers who benefit from the integrated service offering. However, the homebuilding industry generally lacks strong structural moats. Barriers to entry are moderate, primarily consisting of capital requirements and local market knowledge rather than technological or regulatory barriers. The company faces competition from both large public homebuilders and numerous smaller private builders who can often operate with lower overhead costs. Product differentiation is limited in the commodity-like housing market, where location, price, and timing are typically the primary competitive factors. The company's land pipeline provides some temporary competitive positioning, but this advantage erodes as communities are built out and new land must be acquired at prevailing market prices. Potential disruption could come from alternative construction methods, changes in buyer preferences toward urban living or rental housing, or new entrants with innovative approaches to affordable housing development.
Risks & safety
Century Communities demonstrates a moderate margin of safety with mixed financial health indicators. Liquidity and Solvency: • Strong current ratio of 6.98, indicating solid short-term liquidity coverage • Cash position of $100 million provides operational cushion • Debt-to-equity ratio of 0.60 represents manageable leverage levels • Free cash flow turned negative at -$40 million in Q1 2025, indicating working capital consumption during construction cycle Valuation Metrics: • Trading at 13.1x P/E ratio, reasonable for a cyclical business • Price-to-book ratio of 0.80 suggests trading below book value • EV/EBITDA of 13.7x appears elevated for current earnings level • Graham number of $49 compared to current price of $56 suggests modest overvaluation Other Considerations: • Cyclical business model creates earnings volatility risk • Large inventory of work-in-progress and land creates asset concentration risk • Interest rate sensitivity affects both demand and financing costs • Regional economic exposure across 17 states provides some diversification benefit
Recent development
Over the past few years, Century Communities has executed a strategic expansion focused on geographic diversification and market share growth. The company significantly increased its community count from 251 to 322 communities, representing a 28% year-over-year increase, while expanding its land pipeline to approximately 80,000 owned and controlled lots. This expansion has been achieved through both organic growth and strategic acquisitions, including the purchase of Anglia Homes in the Houston market and Landmark Homes of Tennessee to strengthen its Nashville presence. The company has undergone leadership transition with Dale Francescon moving to Executive Chairman while Rob Francescon became sole CEO, representing a planned succession within the founding family. Operationally, Century Communities has focused on improving construction efficiency, reducing cycle times to 4-5 months and achieving nearly 100% spec building, which allows for faster inventory turnover and better demand responsiveness. Financial strategy evolution includes implementing share repurchase programs, with over 3% of outstanding shares repurchased, and increasing the quarterly dividend by 13%. The company has also strengthened its balance sheet, achieving its lowest net leverage ratio in company history at 22.4%. In response to market softening in 2025, management implemented cost reduction initiatives including workforce reductions and operational streamlining to maintain profitability during slower demand periods. The company has doubled down on its affordable housing strategy, with the Century Complete brand accounting for 37% of deliveries and over 92% of all homes priced below FHA limits, positioning the company to serve the underserved first-time buyer market segment.
CCS company profile · for informational purposes only — not investment advice.
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