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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 5/10

vs
industry
vs
history
Cash to Debt 1.66
CFNB's Cash to Debt is ranked higher than
53% of the 974 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.46 vs. CFNB: 1.66 )
CFNB' s 10-Year Cash to Debt Range
Min: 0.82   Max: 124.47
Current: 1.66

0.82
124.47
Equity to Asset 0.27
CFNB's Equity to Asset is ranked higher than
93% of the 1284 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. CFNB: 0.27 )
CFNB' s 10-Year Equity to Asset Range
Min: 0.27   Max: 0.74
Current: 0.27

0.27
0.74
Interest Coverage 3.65
CFNB's Interest Coverage is ranked higher than
73% of the 1196 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.68 vs. CFNB: 3.65 )
CFNB' s 10-Year Interest Coverage Range
Min: 1.95   Max: 186.6
Current: 3.65

1.95
186.6
F-Score: 5
Z-Score: 0.68
WACC vs ROIC
9.95%
5.94%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 5/10

vs
industry
vs
history
Operating margin (%) 55.12
CFNB's Operating margin (%) is ranked higher than
90% of the 1347 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.14 vs. CFNB: 55.12 )
CFNB' s 10-Year Operating margin (%) Range
Min: 39.58   Max: 60.05
Current: 55.12

39.58
60.05
Net-margin (%) 34.39
CFNB's Net-margin (%) is ranked higher than
81% of the 1347 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.19 vs. CFNB: 34.39 )
CFNB' s 10-Year Net-margin (%) Range
Min: 24.74   Max: 37.08
Current: 34.39

24.74
37.08
ROE (%) 5.16
CFNB's ROE (%) is ranked lower than
71% of the 1344 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.16 vs. CFNB: 5.16 )
CFNB' s 10-Year ROE (%) Range
Min: 3.49   Max: 5.71
Current: 5.16

3.49
5.71
ROA (%) 1.55
CFNB's ROA (%) is ranked higher than
84% of the 1351 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.81 vs. CFNB: 1.55 )
CFNB' s 10-Year ROA (%) Range
Min: 1.24   Max: 3.65
Current: 1.55

1.24
3.65
ROC (Joel Greenblatt) (%) 49.29
CFNB's ROC (Joel Greenblatt) (%) is ranked lower than
63% of the 1333 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 75.43 vs. CFNB: 49.29 )
CFNB' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 34.69   Max: 172.01
Current: 49.29

34.69
172.01
Revenue Growth (3Y)(%) -9.70
CFNB's Revenue Growth (3Y)(%) is ranked lower than
85% of the 1131 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.70 vs. CFNB: -9.70 )
CFNB' s 10-Year Revenue Growth (3Y)(%) Range
Min: -11.9   Max: 5.7
Current: -9.7

-11.9
5.7
EBITDA Growth (3Y)(%) -16.70
CFNB's EBITDA Growth (3Y)(%) is ranked lower than
88% of the 984 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. CFNB: -16.70 )
CFNB' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -16.7   Max: 22
Current: -16.7

-16.7
22
EPS Growth (3Y)(%) -13.90
CFNB's EPS Growth (3Y)(%) is ranked lower than
86% of the 1000 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.10 vs. CFNB: -13.90 )
CFNB' s 10-Year EPS Growth (3Y)(%) Range
Min: -16.9   Max: 19.8
Current: -13.9

-16.9
19.8
» CFNB's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

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Ratios

vs
industry
vs
history
P/E(ttm) 14.70
CFNB's P/E(ttm) is ranked lower than
63% of the 1210 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. CFNB: 14.70 )
CFNB' s 10-Year P/E(ttm) Range
Min: 9.31   Max: 24.93
Current: 14.7

9.31
24.93
Forward P/E 14.04
CFNB's Forward P/E is ranked lower than
79% of the 752 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.48 vs. CFNB: 14.04 )
N/A
PE(NRI) 14.80
CFNB's PE(NRI) is ranked lower than
55% of the 1209 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.10 vs. CFNB: 14.80 )
CFNB' s 10-Year PE(NRI) Range
Min: 9.36   Max: 25
Current: 14.8

9.36
25
P/B 0.80
CFNB's P/B is ranked higher than
71% of the 1311 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. CFNB: 0.80 )
CFNB' s 10-Year P/B Range
Min: 0.38   Max: 1.04
Current: 0.8

0.38
1.04
P/S 5.09
CFNB's P/S is ranked lower than
107% of the 1330 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. CFNB: 5.09 )
CFNB' s 10-Year P/S Range
Min: 2.65   Max: 8.15
Current: 5.09

2.65
8.15
POCF 27.14
CFNB's POCF is ranked lower than
90% of the 958 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.38 vs. CFNB: 27.14 )
CFNB' s 10-Year POCF Range
Min: 9.36   Max: 1729
Current: 27.14

9.36
1729
EV-to-EBIT 7.62
CFNB's EV-to-EBIT is ranked higher than
82% of the 1372 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.37 vs. CFNB: 7.62 )
CFNB' s 10-Year EV-to-EBIT Range
Min: 3.5   Max: 12.1
Current: 7.62

3.5
12.1
Shiller P/E 14.40
CFNB's Shiller P/E is ranked higher than
50% of the 759 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.40 vs. CFNB: 14.40 )
CFNB' s 10-Year Shiller P/E Range
Min: 7.97   Max: 19.84
Current: 14.4

7.97
19.84
Days Sales Outstanding 20.12
CFNB's Days Sales Outstanding is ranked higher than
81% of the 770 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 34.65 vs. CFNB: 20.12 )
CFNB' s 10-Year Days Sales Outstanding Range
Min: 4.28   Max: 170.78
Current: 20.12

4.28
170.78

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 3.11
CFNB's Dividend Yield is ranked lower than
60% of the 1339 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.50 vs. CFNB: 3.11 )
CFNB' s 10-Year Dividend Yield Range
Min: 2.16   Max: 14.98
Current: 3.11

2.16
14.98
Dividend Payout 0.46
CFNB's Dividend Payout is ranked lower than
83% of the 1089 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.28 vs. CFNB: 0.46 )
CFNB' s 10-Year Dividend Payout Range
Min: 0.11   Max: 12.94
Current: 0.46

0.11
12.94
Dividend growth (3y) -26.30
CFNB's Dividend growth (3y) is ranked lower than
87% of the 622 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.20 vs. CFNB: -26.30 )
CFNB' s 10-Year Dividend growth (3y) Range
Min: -26.3   Max: 54.2
Current: -26.3

-26.3
54.2
Yield on cost (5-Year) 4.81
CFNB's Yield on cost (5-Year) is ranked higher than
56% of the 1341 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.46 vs. CFNB: 4.81 )
CFNB' s 10-Year Yield on cost (5-Year) Range
Min: 3.35   Max: 23.26
Current: 4.81

3.35
23.26
Share Buyback Rate -0.20
CFNB's Share Buyback Rate is ranked higher than
68% of the 915 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.40 vs. CFNB: -0.20 )
CFNB' s 10-Year Share Buyback Rate Range
Min: 3.7   Max: -1
Current: -0.2

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.80
CFNB's Price/Tangible Book is ranked higher than
77% of the 1286 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. CFNB: 0.80 )
CFNB' s 10-Year Price/Tangible Book Range
Min: 0.36   Max: 1.01
Current: 0.8

0.36
1.01
Price/DCF (Projected) 0.90
CFNB's Price/DCF (Projected) is ranked lower than
76% of the 778 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.60 vs. CFNB: 0.90 )
CFNB' s 10-Year Price/DCF (Projected) Range
Min: 0.66   Max: 5.07
Current: 0.9

0.66
5.07
Price/Median PS Value 1.00
CFNB's Price/Median PS Value is ranked higher than
66% of the 1285 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. CFNB: 1.00 )
CFNB' s 10-Year Price/Median PS Value Range
Min: 0.49   Max: 2.19
Current: 1

0.49
2.19
Price/Graham Number 0.70
CFNB's Price/Graham Number is ranked higher than
71% of the 1193 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. CFNB: 0.70 )
CFNB' s 10-Year Price/Graham Number Range
Min: 0.38   Max: 1.03
Current: 0.7

0.38
1.03
Earnings Yield (Greenblatt) 13.20
CFNB's Earnings Yield (Greenblatt) is ranked higher than
81% of the 1334 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.30 vs. CFNB: 13.20 )
CFNB' s 10-Year Earnings Yield (Greenblatt) Range
Min: 8.3   Max: 28.6
Current: 13.2

8.3
28.6
Forward Rate of Return (Yacktman) -10.04
CFNB's Forward Rate of Return (Yacktman) is ranked lower than
87% of the 761 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.69 vs. CFNB: -10.04 )
CFNB' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -18   Max: 10.8
Current: -10.04

-18
10.8

Analyst Estimate

Jun15
EPS($) 1.06
EPS without NRI($) 1.06

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
California First National Bancorp is incorporated in the state of California. It is a bank holding company with a bank subsidiary, California First National Bank ('CalFirst Bank' or the 'Bank') and leasing subsidiary, California First Leasing Corp ('CalFirst Leasing'). The Company's results include the operations of CalFirst Bank and CalFirst Leasing. The primary business of CalFirst Leasing and CalFirst Bank is leasing and financing capital assets, while CalFirst Bank also participates in the market for commercial loan syndications, provides business loans to fund the purchase of assets leased by third parties, including CalFirst Leasing, and offers commercial loans directly to businesses. CalFirst Bank gathers deposits from a centralized location primarily through posting rates on the Internet. All banking and other operations are conducted from one central location. It provides leasing and financing to customers throughout the United States and across a breadth of industries and disciplines, including commercial, industrial and financial companies, as well as government and non-profit entities. CalFirst Leasing applies a portfolio management system intended to develop portfolios with different risk/reward profiles. The Bank's strategy is to develop a conservative, diversified portfolio of leases with high credit quality lessees. CalFirst Bank's commercial loan portfolio consists primarily of purchased participations in syndicated transactions originated by other financial institutions. The Bank is focused on gathering deposits from depositors nationwide for the primary purpose of funding its investment in leases and loans. The Bank's deposits have been gathered primarily through the Internet. Other strategies to identify depositors are through direct mail, telephone campaigns, purchase of leads from private sources and more extensive print advertisements. The Bank offers two types of interest-bearing checking accounts, savings accounts and three (3) month to three (3) year certificates of deposit ('CDs') to taxable and IRA depositors. Leasing and loan customers are primarily middle-market companies, subsidiaries and divisions of Fortune 1000 companies, private and state-related educational institutions, municipalities and other not-for-profit organizations and institutions located throughout the United States. The Company competes for the lease and loan financing of capital assets with other banks, commercial finance companies, and other financial institutions, independent leasing companies, credit companies affiliated with equipment manufacturers, and equipment brokers and dealers. The Company is regulated and examined by the Board of Governors of the Federal Reserve System (the 'FRB'). In addition to the regulation of the Company, the Bank is subject to extensive regulation and periodic examination, principally by the Office of the Comptroller of the Currency.
» More Articles for CFNB

Headlines

Articles On GuruFocus.com
California First National Bancorp Reports Operating Results (10-Q) Feb 14 2011 
California First National Bancorp Reports Operating Results (10-Q) Nov 09 2010 
California First National Bancorp Reports Operating Results (10-K) Sep 22 2010 
California First National Bancorp Reports Operating Results (10-Q) May 13 2010 
California First National Bancorp Reports Operating Results (10-Q) Feb 12 2010 
California First National Bancorp Reports Operating Results (10-Q) Nov 12 2009 
California First National Bancorp Reports Operating Results (10-K) Sep 25 2009 
CFNB Reports 47% Increase in Fiscal 2009 EPS Jul 31 2009 
California First National Bancorp Reports Operating Results (10-Q) May 14 2009 
CFNB Reports 55% Increase in Second Quarter EPS Jan 21 2009 

More From Other Websites
CALIFORNIA FIRST NATIONAL BANCORP Financials May 22 2015
10-Q for California First National Bancorp May 17 2015
CALIFORNIA FIRST NATIONAL BANCORP Files SEC form 10-Q, Quarterly Report May 14 2015
CALIFORNIA FIRST NATIONAL BANCORP Files SEC form 8-K, Results of Operations and Financial Condition,... Apr 22 2015
California First National posts 3Q profit Apr 21 2015
California First National posts 3Q profit Apr 21 2015
CFNB Third Quarter Net Earnings Up 41% Apr 21 2015
CALIFORNIA FIRST NATIONAL BANCORP Files SEC form 10-Q, Quarterly Report Feb 12 2015
CALIFORNIA FIRST NATIONAL BANCORP Files SEC form 8-K, Results of Operations and Financial Condition,... Jan 21 2015
CFNB Second Quarter Earnings Up 63% Jan 21 2015
California First National Bancorp (CFNB) Downgraded From Buy to Hold Dec 08 2014
CALIFORNIA FIRST NATIONAL BANCORP Files SEC form 10-Q, Quarterly Report Nov 12 2014
CALIFORNIA FIRST NATIONAL BANCORP Files SEC form 8-K, Other Events Nov 03 2014
CFNB Announces 34% Increase in First Quarter Earnings Board Declares 2014 Annual Dividend of $0.42... Oct 22 2014
CALIFORNIA FIRST NATIONAL BANCORP Files SEC form 8-K, Results of Operations and Financial Condition,... Oct 22 2014
California First National Bancorp (CFNB) Upgraded From Hold to Buy Oct 07 2014
CALIFORNIA FIRST NATIONAL BANCORP Files SEC form 10-K, Annual Report Sep 25 2014
California First National Bancorp (CFNB) Downgraded From Buy to Hold Sep 16 2014
CALIFORNIA FIRST NATIONAL BANCORP Files SEC form 8-K/A, Results of Operations and Financial... Aug 21 2014
CFNB Revises 2014 Fourth Quarter and Year End Earnings Down Aug 20 2014

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