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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 : 6/10

vs
industry
vs
history
Cash to Debt 4.82
CFNB's Cash to Debt is ranked higher than
82% of the 1272 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. CFNB: 4.82 )
CFNB' s 10-Year Cash to Debt Range
Min: 0.82   Max: No Debt
Current: 4.82

Equity to Asset 0.33
CFNB's Equity to Asset is ranked higher than
93% of the 1588 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. CFNB: 0.33 )
CFNB' s 10-Year Equity to Asset Range
Min: 0.32   Max: 0.74
Current: 0.33

0.32
0.74
Interest Coverage 4.39
CFNB's Interest Coverage is ranked higher than
91% of the 1357 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.13 vs. CFNB: 4.39 )
CFNB' s 10-Year Interest Coverage Range
Min: 1.95   Max: 9999.99
Current: 4.39

1.95
9999.99
F-Score: 4
Z-Score: 0.80
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 : 6/10

vs
industry
vs
history
Operating margin (%) 49.58
CFNB's Operating margin (%) is ranked higher than
93% of the 1462 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.05 vs. CFNB: 49.58 )
CFNB' s 10-Year Operating margin (%) Range
Min: 39.58   Max: 60.05
Current: 49.58

39.58
60.05
Net-margin (%) 31.20
CFNB's Net-margin (%) is ranked higher than
88% of the 1570 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.57 vs. CFNB: 31.20 )
CFNB' s 10-Year Net-margin (%) Range
Min: 24.74   Max: 37.08
Current: 31.2

24.74
37.08
ROE (%) 4.07
CFNB's ROE (%) is ranked higher than
58% of the 1554 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.99 vs. CFNB: 4.07 )
CFNB' s 10-Year ROE (%) Range
Min: 3.45   Max: 7.73
Current: 4.07

3.45
7.73
ROA (%) 1.32
CFNB's ROA (%) is ranked higher than
91% of the 1563 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.75 vs. CFNB: 1.32 )
CFNB' s 10-Year ROA (%) Range
Min: 1.32   Max: 4.8
Current: 1.32

1.32
4.8
ROC (Joel Greenblatt) (%) 94.37
CFNB's ROC (Joel Greenblatt) (%) is ranked higher than
77% of the 1437 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 78.30 vs. CFNB: 94.37 )
CFNB' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 38.02   Max: 955.81
Current: 94.37

38.02
955.81
Revenue Growth (%) -8.20
CFNB's Revenue Growth (%) is ranked higher than
57% of the 1284 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. CFNB: -8.20 )
CFNB' s 10-Year Revenue Growth (%) Range
Min: 0   Max: 5.7
Current: -8.2

0
5.7
EBITDA Growth (%) -15.30
CFNB's EBITDA Growth (%) is ranked higher than
55% of the 1124 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.20 vs. CFNB: -15.30 )
CFNB' s 10-Year EBITDA Growth (%) Range
Min: 0   Max: 22
Current: -15.3

0
22
EPS Growth (%) -13.50
CFNB's EPS Growth (%) is ranked higher than
56% of the 1103 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.50 vs. CFNB: -13.50 )
CFNB' s 10-Year EPS Growth (%) Range
Min: -17   Max: 19.8
Current: -13.5

-17
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) 19.50
CFNB's P/E(ttm) is ranked lower than
51% of the 1451 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.60 vs. CFNB: 19.50 )
CFNB' s 10-Year P/E(ttm) Range
Min: 9.31   Max: 24.93
Current: 19.5

9.31
24.93
P/B 0.90
CFNB's P/B is ranked higher than
78% of the 1479 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. CFNB: 0.90 )
CFNB' s 10-Year P/B Range
Min: 0.38   Max: 1.04
Current: 0.9

0.38
1.04
P/S 6.60
CFNB's P/S is ranked lower than
84% of the 1638 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.80 vs. CFNB: 6.60 )
CFNB' s 10-Year P/S Range
Min: 2.65   Max: 8.15
Current: 6.6

2.65
8.15
PFCF 24.80
CFNB's PFCF is ranked lower than
76% of the 940 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 vs. CFNB: 24.80 )
CFNB' s 10-Year PFCF Range
Min: 7.88   Max: 180.25
Current: 24.8

7.88
180.25
EV-to-EBIT 13.50
CFNB's EV-to-EBIT is ranked higher than
72% of the 1447 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.51 vs. CFNB: 13.50 )
CFNB' s 10-Year EV-to-EBIT Range
Min: 3.5   Max: 12
Current: 13.5

3.5
12
PEG 2.20
CFNB's PEG is ranked higher than
50% of the 848 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. CFNB: 2.20 )
CFNB' s 10-Year PEG Range
Min: 1.34   Max: 44.16
Current: 2.2

1.34
44.16
Shiller P/E 16.30
CFNB's Shiller P/E is ranked higher than
67% of the 841 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 16.71 vs. CFNB: 16.30 )
CFNB' s 10-Year Shiller P/E Range
Min: 6.25   Max: 20.05
Current: 16.3

6.25
20.05

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.70
CFNB's Dividend Yield is ranked higher than
58% of the 1312 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.40 vs. CFNB: 2.70 )
CFNB' s 10-Year Dividend Yield Range
Min: 1.41   Max: 14.98
Current: 2.7

1.41
14.98
Dividend Payout 0.52
CFNB's Dividend Payout is ranked lower than
56% of the 1147 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.31 vs. CFNB: 0.52 )
CFNB' s 10-Year Dividend Payout Range
Min: 0.07   Max: 12.94
Current: 0.52

0.07
12.94
Dividend growth (3y) 54.20
CFNB's Dividend growth (3y) is ranked higher than
96% of the 809 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.20 vs. CFNB: 54.20 )
CFNB' s 10-Year Dividend growth (3y) Range
Min: 0   Max: 54.2
Current: 54.2

0
54.2
Yield on cost (5-Year) 16.78
CFNB's Yield on cost (5-Year) is ranked higher than
96% of the 1327 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.66 vs. CFNB: 16.78 )
CFNB' s 10-Year Yield on cost (5-Year) Range
Min: 8.76   Max: 93.07
Current: 16.78

8.76
93.07
Share Buyback Rate -0.50
CFNB's Share Buyback Rate is ranked higher than
82% of the 1170 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.70 vs. CFNB: -0.50 )
CFNB' s 10-Year Share Buyback Rate Range
Min: 3.7   Max: -1.8
Current: -0.5

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.90
CFNB's Price/Tangible Book is ranked higher than
85% of the 1380 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. CFNB: 0.90 )
CFNB' s 10-Year Price/Tangible Book Range
Min: 0.36   Max: 1.01
Current: 0.9

0.36
1.01
Price/DCF (Projected) 0.70
CFNB's Price/DCF (Projected) is ranked higher than
58% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.60 vs. CFNB: 0.70 )
CFNB' s 10-Year Price/DCF (Projected) Range
Min: 0.43   Max: 0.94
Current: 0.7

0.43
0.94
Price/Median PS Value 1.40
CFNB's Price/Median PS Value is ranked lower than
63% of the 1493 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. CFNB: 1.40 )
CFNB' s 10-Year Price/Median PS Value Range
Min: 0.52   Max: 2.29
Current: 1.4

0.52
2.29
Price/Graham Number 0.90
CFNB's Price/Graham Number is ranked higher than
65% of the 1365 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 vs. CFNB: 0.90 )
CFNB' s 10-Year Price/Graham Number Range
Min: 0.38   Max: 1.03
Current: 0.9

0.38
1.03
Earnings Yield (Greenblatt) 7.40
CFNB's Earnings Yield (Greenblatt) is ranked higher than
76% of the 1411 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. CFNB: 7.40 )
CFNB' s 10-Year Earnings Yield (Greenblatt) Range
Min: 7.4   Max: 28.6
Current: 7.4

7.4
28.6
Forward Rate of Return (Yacktman) -6.89
CFNB's Forward Rate of Return (Yacktman) is ranked lower than
52% of the 1102 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.77 vs. CFNB: -6.89 )
CFNB' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -6   Max: 15.1
Current: -6.89

-6
15.1

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.

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