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INVESTOR PRESENTATION OCTOBER 2026
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FORWARD -LOOKING STATEMENTS 2 Certain statements in this Investor Presentation are "forward-looking statements" within the meaning of the Private Securities Litigation Reform Act of 1995, as amended. These forward-looking statements often discuss our plans, strategies, intentions, markets, beliefs, forecasts and guidance, and may be identified by reference to a future period or periods or by the use of forward-looking terminology, such as "expects," "may," "will," "believes," "should," "would," "could," "approximately," "anticipates," "estimates," "targets," "intends," "likely," "projects,“ “goals,” "positioned," "strategy," "opportunity," "future," “continue,” and "plans." In addition, these words may use the positive or negative or other variations of those terms. All statements other than statements of historical fact are "forward-looking statements" for purposes of federal and state securities laws. There is no guarantee that any of the events anticipated by these forward-looking statements will occur. These statements involve known and unknown risks, uncertainties and other factors that may cause our actual results, levels of activity, performance or achievements to differ materially from those expressed or implied by the forward-looking statement. Forward-looking statements are based on various assumptions and current expectations of management and may not be accurate because of risks and uncertainties surrounding these assumptions and expectations. Certain factors may cause actual results to differ significantly from these forward-looking statements. If any of the events occur, there is no guarantee what effect they will have on our operations or financial condition. Major risks, uncertainties and assumptions include, but are not limited to, risks relating to: changes in general economic conditions, including interest rates, inflation, and employment levels; consumer confidence and affordability concerns; the impact of geopolitical conflicts including in the Middle East, tariffs and increased costs, immigration reform and enforcement, global supply chain disruptions, labor, land and raw material or other resource shortages and delays, and municipal and utility delays on the Company’s business, industry and the broader economy; the availability and cost of financing; home incentive levels; the ability to identify and acquire desirable land and dispose of land when appropriate; availability and pricing for land, labor and raw materials and other resources; reliance on contractors and key personnel; the effect of competition; risks associated with the Company’s mortgage lending business and increased use of adjustable-rate mortgages; risks associated with the Company’s recent HistoryMaker Homes acquisition, including the possibility that the Company will not realize the anticipated benefits of such acquisition; risks associated with the Company’s multi-family rental businesses; future impairment and restructuring charges; the effect of tax changes; the effect of recent federal housing legislation. It is not possible to predict or identify all such factors. In addition, we have disclosed under the heading "Risk Factors" in our most recent Annual Report on Form 10-K and subsequent quarterly reports on Form 10-Q, the risk factors which materially affect our business, financial condition and operating results. Investors are encouraged to review our SEC reports for additional information regarding the risks and uncertainties that may cause actual results to differ materially from those expressed in any forward- looking statement. The forward-looking statements herein speak as of the date hereof, and we undertake no obligation to publicly update or revise any forward-looking statement to reflect future events, developments or otherwise, except as may be required by applicable law. N O N - GAAP F I N A N C I A L I N F O R M A T I O N This Investor Presentation includes certain non-GAAP financial measures as defined by SEC rules. Such non-GAAP financial measures are presented as a supplemental financial measurements in the evaluation of our business. We believe the presentation of these financial measures helps investors to assess our operating performance from period to period and enhances understanding of our financial performance and highlights operational trends. Non-GAAP financial measures are widely used by investors in the valuation, comparison, rating and investment recommendations of companies. However, such measurements may not be comparable to those of other companies in our industry, which limits their usefulness as a comparative measures. Such measures are not required by or calculated in accordance with GAAP and should not be considered as a substitutes for net income or any other measure of financial performance reported in accordance with GAAP or as a measure of operating cash flow or liquidity. N O N - S O L I C I T A T I O N The information in this Investor Presentation is for informational purposes only and is neither an offer to sell, nor a solicitation of an offer to subscribe for or buy any securities in any jurisdiction in contravention of applicable law. No offer of securities shall be made except by means of a prospectus meeting the requirements of Section 10 of the Securities Act of 1933, as amended, and otherwise in accordance with applicable law.
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W H Y I N V E S T ✓ National homebuilder with geographic diversity across 16 states and over 45 markets. ✓ Invested, cycle-tested management team aligned with long- term shareholder interests. ✓ Track record of returning capital to shareholders through growing dividend and share repurchases. ✓ Flexible, lower risk land strategy that builds a pipeline of future lots to support growth while helping to reduce exposure to industry cycles. ✓ Focused on affordable new homes, a segment which offers one of the largest pools of potential buyers. ✓ Ability to drive structurally higher returns by deepening our share in existing markets to generate increased scale and efficiencies. ✓ Existing lot supply and community count supportive of delivery growth over a several year period once market conditions improve. ✓ 23 consecutive years of profitability. 3
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C O M PA N Y OV E R V I E W Century Communities, Inc. (NYSE: CCS) is one of the nation’s largest homebuilders, offering new homes under the Century Communities and Century Complete brands. Century is engaged in all aspects of homebuilding — including the acquisition, entitlement and development of land, along with the construction, innovative marketing and sale of quality homes designed to appeal to a wide range of homebuyers. The Colorado-based company operates in 16 states and over 45 markets across the U.S., and also offers mortgage, title, insurance brokerage and escrow services through its Parkway Title, IHL Home Insurance Agency, and Inspire Home Loans subsidiaries. 4
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F O C U S E D O N A F F O R DA B L E N E W H O M E S T H R O U G H T W O C O M P L E M E N T A R Y B R A N D S ✓ Focuses on affordable and attainable housing options while offering an extensive range of home types across a variety of price points. ✓ Sells homes through traditional model home sales structure while also offering online sales. ✓ Expertise in purchasing both finished lots and land development allows us to be opportunistic across a range of markets. ✓ Targets entry-level customers. ✓ Sells homes primarily through retail outlets and online as opposed to model homes. ✓ 100% spec, land -light, acquiring only finished lots, primarily just -in time. ✓ Highly scalable business model, which requires less capital investment and yields quicker asset turns. TM 5
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I N C R E A S E C O M M U N I T Y C O U N T T O D E E P E N S H A R E I N E X I S T I N G M A R K E T S o Established a diversified, national footprint over the past 10+ years with a presence in 16 states and over 45 markets. o Future growth focused on deepening our share in existing markets through organic growth and selective acquisitions. o Ending community count reached a new Company record of 343 as of September 30, 2026, or 372 pro forma for HistoryMaker Homes acquisition. o Fully developed corporate support functions that can support meaningful additional growth with limited incremental fixed cost increases. C U R R E N T L A N D S U P P L Y P O S I T I O N E D T O C O N T R O L C O S T S , M I T I G A T E R I S K & D R I V E G R O W T H o Existing lot supply and community count supportive of delivery growth over a several year period once market conditions improve. o Controlling land costs, with 2026 finished lot costs only expected to increase in the low-single digit percentage range over Q4 2025 levels. o Lower risk land option strategy provides the ability to control significant amounts of land for future growth for a limited investment and the ability to exit positions at a reasonable cost in the event of a market downturn. B A L A N C E D C A P I T A L A L L O C A T I O N S U P P O R T I V E O F F U T U R E G R O W T H & R E T U R N S T O S H A R E H O L D E R S o Land acquisition and development expense over the past several years supporting community count growth and potential for increased deliveries subject to market conditions. o Excess capital to be deployed to dividends and opportunistic share repurchases, after having repurchased over 7% of outstanding shares in 2025 and 4% of outstanding shares through Q3 2026. o Book value per share of $90.61 reached new Company record as of September 30, 2026. O U R S T R AT E GY 6
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1Source: Company filings, Period is LTM 3Q 2026. Results exclude Century Living. Market reportable segments are defined as follows: West (California and Washington), Mountain (Arizona, Colorado, Nevada and Utah), Texas, Southeast (Florida, Georgia, North Carolina, South Carolina and Tennessee), and Century Complete (Alabama, Arizona, Florida, Georgia, Indiana, Kentucky, Michigan, North Carolina, and South Carolina). DIVERSIFIED REVENUE BASE A C R O S S N A T I O N A L F O O T P R I N T $3.7 Billion In total revenues1 H O M E S A L E D E L I V E R I E S Financial Services $0.1 B Texas $0.6 B Southeast $0.6 B West $0.7 B Mountain $0.8 B CMP $0.9 B 2 % 16% 17% 19 % 21% 25% 7 TOTAL DELIVERIES CENTURY COMPLETE (CMP) 36% WEST 13% TEXAS 20% SOUTHEAST 15%MOUNTAIN 16%
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DEEPENING SHARE T O D R I V E G R O W T H o Established a diversified, national footprint over the past 10+ years with a presence across high-growth markets in 16 states and over 45 markets. o Top 10 market share in 14 of the 50 largest U.S. markets, including Atlanta, Denver, Houston, Las Vegas, Nashville, Phoenix, San Antonio and Seattle1. o Future growth focused on deepening our share in existing markets through both organic growth and selective acquisitions. o Increased scale at the national level and market share at the local level driving greater purchasing power and homebuilding efficiencies. o Fully developed corporate support functions that can support meaningful additional growth with limited incremental fixed cost increases. 8 1 Market share based on Builder Magazine’s 2026 Local Leaders List.
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H I STO RY O F S U CC E S S F U L ACQ U I S I T I O N S 9 Company Year Markets 2013 Austin, San Antonio LAS VEGAS LAND HOLDINGS 2014 2014 2014 2017 2017 2018 2024 2024 2026 Las Vegas Houston Atlanta CA, WA, NC, SC and TN Seattle FL, GA, AL, NC and SC Nashville Houston Dallas-Fort Worth o Acquired HistoryMaker Homes on October 7, 2026, Texas’ longest-standing production homebuilder that builds exclusively in the Dallas-Fort Worth market with a focus on both entry-level and move-up homes. o Consistent with Century’s strategy of deepening its share in existing markets, the transaction provides Century with the scale, land position and local talent to accelerate its growth in the largest housing market in the country. o Acquisition will grow Century’s Dallas division’s active communities from 12 to 41 as of September 30, 2026 and triple deliveries from 211 to 669 homes on a trailing- twelve-month basis through the third quarter 2026. o As part of the transaction, Century will maintain an ongoing contractual relationship with HistoryMaker’s sister land development company, which was not acquired in the transaction, and look to pursue additional land opportunities together in the Dallas-Fort Worth market. S T R A T E G I C B E N E F I T S O F H I S T O R Y M A K E R H O M E S o Completed and integrated 10 acquisitions since 2013, added 16 states and created a robust national footprint across high-growth markets. o Demonstrated ability to successfully integrate and generate operating synergies.
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LO WER RISK, FLEXIBLE L AND STRATEGY C A R E F U L L Y M A N A G E D A C R O S S D I V E R S I F I E D M A R K E T S T O R E D U C E E X P O S U R E T O I N D U S T R Y C Y C L E S o Existing lot supply and community count supportive of delivery growth over a several year period once market conditions improve, with 2026 finished lot costs only expected to increase in the low-single digit percentage range over Q4 2025 levels. o Flexibility to control significant amounts of land for future growth for a limited investment and ability to exit positions at a reasonable cost in the event of a market downturn, all without adversely impacting our nearer term need for lots on which to start homes. o Geographically balanced land portfolio provides greater opportunities for growth across our national footprint and mitigates risk from regional downturns. o Owned lots provide approximately 3 years of deliveries, positioning Century well in the years ahead. 1 Total lots as of September 30, 2026 10 Owned 55% Controlled 45% TOTAL 60,969 Lots 1 TOTAL 60,969 Lots 1 Century Complete 26% Southeast 18% Texas 30% Mountain 16% West 10%
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R E T U R N I N G C A P I T A L T O S H A R E H O L D E R S W H I L E GROWING BOOK VALUE $0.00 $0.45 $0.80 $0.92 $1.04 $1.16 $1.28 2020 2021 2022 2023 2024 2025 2026* A n n u a l D i v i d e n d p e r S h a r e $0 $0 $121 $19 $84 $144 $71 2020 2021 2022 2023 2024 2025 Q3 2026 YTD S h a r e R e p u r c h a s e s ( $ m m ) % of Outstanding Shares 3% 7%7% 1% $38.40 $52.26 $67.67 $75.12 $84.65 $89.21 $90.61 2020 2021 2022 2023 2024 2025 Q3 2026 B o o k V a l u e p e r S h a r e 11 4%*2026 annual dividend per share of $1.28 is based on annualizing 1Q 2026 quarterly dividend of $0.32 per share. *Book value per share is as of period end.
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M A I N TA I N I N G A S T R O N G B A L A N C E S H E E T Source: Public filings as of 09/30/2026 1Available liquidity calculated as cash, cash equivalents and cash held in escrow plus availability on the revolving creditfacility. 2Calculated by dividing net homebuilding debt (homebuilding debt less cash and cash equivalents, and cash held in escrow as disclosed in public SEC filings) by net capital (net homebuilding debt plus total stockholders’ equity as disclosed in public SEC filings). ✓Significant liquidity position of $864mm1 ✓Net homebuilding debt to net capital of 34.9%2 ✓S&P rated BB- ✓Moody’s rated Ba2 ✓$1.2bn unsecured revolving line of credit, matures November 2030 ✓$500mm 3.875% senior unsecured notes due August 2029 ✓$500mm 6.625% senior unsecured notes due September 2033 ✓No note maturities until 2029 12
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13 F I N A N C I A L S E R V I C E S B U S I N E S S C R E A T E S S I M P L I F I E D , O N E - S T O P S H O P F O R H O M E B U Y E R S LTM Q3 2026 Financial Services revenues of $94 million and pretax income of $31 million, with a 3Q 2026 capture rate of 84%. S T R O N G B U Y E R P R O F I L E A C R O S S B R A N D S : 722 A V E R A G E F I C O 1 714 A V E R A G E F I C O 1 Offering a wide range of financing options, Inspire Home Loans brings a customer-centered approach to finding a mortgage program that best suits the financial goals of homebuyers. A full-service title agency, Parkway Title is committed to delivering cost-effective and streamlined title insurance and settlement service solutions. Quick, precise and customer-friendly, the full- service team at IHL Home Insurance will put their expertise to work to find the best coverage and price for homebuyers. 1 Average FICO score based on 3Q 2026 closings. 13
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P U T T I N G H O M E B U Y E R S I N T H E D R I V E R ’ S S E A T E m p o w e r i n g H o m e b u y e r s E v e r y S t e p o f t h e W a y B u y O n l i n e, A n y t i m e : Century Communities’ industry-leading online homebuying platform makes it possible for buyers to purchase their dream home online, 24/7, in just a few clicks. S e l f- G u i d e d To u r s & V i r t u a l A p p o i n t m e n t s : From the ability to view available homes in-person with self-guided tours, to scheduling video conferencing tours with sales representatives, Century Communities has integrated digital convenience into every aspect of the homebuying journey. S t r e a m l i n e d , B e l o w- M a r ke t F i n a n c i n g : Century Communities offers competitive, below-market rates and dedicated financing support – including guidance for those who don’t yet qualify for a home loan – through the Company’s affiliate lender, Inspire Home Loans®. D e d i c at e d O n l i n e S a l e s Te a m : The Company’s knowledgeable team of online sales counselors is available to answer questions, provide recommendations, and guide buyers through every step of the process. C u s t o m e r Po r t a l : Century Communities’ website features a portal for both homebuyers and homeowners, making it easy for buyers to receive home progress, helpful reminders and more, while homeowners can use the portal to submit and track warranty requests. 14
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A P P E N D I X
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H I S T O R I C A L F I N A N C I A L S A N D N O N- G A A P R E C O N C I L I A T I O N S 16
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H I S T O R I C A L F I N A N C I A L S A N D N O N- G A A P R E C O N C I L I A T I O N S 17
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Century Communities, Inc. 8390 E. Crescent Parkway, Suite 650 Greenwood Village, CO80111 Contact Investor Relations InvestorRelations@CenturyCommunities.com