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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 2.18
CFNB's Cash-to-Debt is ranked higher than
50% of the 1592 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.23 vs. CFNB: 2.18 )
Ranked among companies with meaningful Cash-to-Debt only.
CFNB' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.82  Med: 5061.74 Max: N/A
Current: 2.18
Equity-to-Asset 0.22
CFNB's Equity-to-Asset is ranked higher than
92% of the 1591 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. CFNB: 0.22 )
Ranked among companies with meaningful Equity-to-Asset only.
CFNB' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.22  Med: 0.43 Max: 0.74
Current: 0.22
0.22
0.74
Interest Coverage 2.56
CFNB's Interest Coverage is ranked higher than
61% of the 1515 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.69 vs. CFNB: 2.56 )
Ranked among companies with meaningful Interest Coverage only.
CFNB' s Interest Coverage Range Over the Past 10 Years
Min: 1.95  Med: 3.68 Max: 4.9
Current: 2.56
1.95
4.9
Beneish M-Score: -1.96
WACC vs ROIC
4.84%
7.55%
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 : 4/10

vs
industry
vs
history
Operating Margin % 60.99
CFNB's Operating Margin % is ranked higher than
92% of the 1606 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.37 vs. CFNB: 60.99 )
Ranked among companies with meaningful Operating Margin % only.
CFNB' s Operating Margin % Range Over the Past 10 Years
Min: 39.58  Med: 52.2 Max: 60.99
Current: 60.99
39.58
60.99
Net Margin % 37.24
CFNB's Net Margin % is ranked higher than
82% of the 1605 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.70 vs. CFNB: 37.24 )
Ranked among companies with meaningful Net Margin % only.
CFNB' s Net Margin % Range Over the Past 10 Years
Min: 24.74  Med: 32.14 Max: 37.24
Current: 37.24
24.74
37.24
ROE % 6.07
CFNB's ROE % is ranked lower than
68% of the 1603 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.58 vs. CFNB: 6.07 )
Ranked among companies with meaningful ROE % only.
CFNB' s ROE % Range Over the Past 10 Years
Min: 3.49  Med: 4.64 Max: 6.07
Current: 6.07
3.49
6.07
ROA % 1.33
CFNB's ROA % is ranked higher than
75% of the 1612 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 vs. CFNB: 1.33 )
Ranked among companies with meaningful ROA % only.
CFNB' s ROA % Range Over the Past 10 Years
Min: 1.07  Med: 1.86 Max: 3.07
Current: 1.33
1.07
3.07
3-Year Revenue Growth Rate 4.00
CFNB's 3-Year Revenue Growth Rate is ranked lower than
51% of the 1354 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.20 vs. CFNB: 4.00 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
CFNB' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -12  Med: -1.4 Max: 5.6
Current: 4
-12
5.6
3-Year EBITDA Growth Rate 4.90
CFNB's 3-Year EBITDA Growth Rate is ranked lower than
54% of the 1256 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. CFNB: 4.90 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
CFNB' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -16.8  Med: 0.45 Max: 22
Current: 4.9
-16.8
22
3-Year EPS without NRI Growth Rate 5.80
CFNB's 3-Year EPS without NRI Growth Rate is ranked lower than
54% of the 1226 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. CFNB: 5.80 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
CFNB' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -16.9  Med: -1.1 Max: 19.8
Current: 5.8
-16.9
19.8
GuruFocus has detected 3 Warning Signs with California First National Bancorp $CFNB.
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» CFNB's 10-Y Financials

Financials (Next Earnings Date: 2017-07-28 Est.)


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

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Business Description

Industry: Banks » Banks - Regional - US    NAICS: 532420    SIC: 6021
Compare:NAS:CUBN, OTCPK:CARE, NAS:UNTY, NAS:CFCB, NAS:TCFC, NAS:SBCP, NAS:FFNW, NYSE:MSL, NAS:CFFI, NAS:ESXB, NAS:PKBK, NAS:BCBP, NAS:ORRF, NAS:PMBC, NAS:CHMG, AMEX:EVBN, OTCPK:BERK, OTCBB:CZFS, NAS:SMBK, NAS:NWFL » details
Headquarter Location:USA
California First National Bancorp is a bank holding company. The Company's business is leasing and financing capital assets, it also participates in the syndicated commercial loan market.

California First National Bancorp is a bank holding company incorporated in California in 1977. The Company through its subsidiaries is engaged providing secured financing through leasing and financing capital assets, commercial loans acquired through participation in the syndicated commercial loan market, by providing non-recourse loans to third parties secured by leases and equipment, and direct commercial loans. It is an Internet bank that gathers deposits from a centralized location through posting rates on the Internet with all banking and other operations conducted from one central location. The Company operates in segment including leases and loans. These segments have been disaggregated into four classes commercial leases; education, government and non-profit leases; commercial and industrial loans; and commercial real estate loans. 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.

Ratios

vs
industry
vs
history
PE Ratio 14.86
CFNB's PE Ratio is ranked higher than
50% of the 1510 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.59 vs. CFNB: 14.86 )
Ranked among companies with meaningful PE Ratio only.
CFNB' s PE Ratio Range Over the Past 10 Years
Min: 9.24  Med: 15.82 Max: 25.34
Current: 14.86
9.24
25.34
PE Ratio without NRI 14.86
CFNB's PE Ratio without NRI is ranked higher than
50% of the 1477 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.63 vs. CFNB: 14.86 )
Ranked among companies with meaningful PE Ratio without NRI only.
CFNB' s PE Ratio without NRI Range Over the Past 10 Years
Min: 9.24  Med: 15.82 Max: 25.34
Current: 14.86
9.24
25.34
PB Ratio 0.89
CFNB's PB Ratio is ranked higher than
70% of the 1611 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. CFNB: 0.89 )
Ranked among companies with meaningful PB Ratio only.
CFNB' s PB Ratio Range Over the Past 10 Years
Min: 0.38  Med: 0.78 Max: 1.04
Current: 0.89
0.38
1.04
PS Ratio 5.52
CFNB's PS Ratio is ranked lower than
80% of the 1586 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.40 vs. CFNB: 5.52 )
Ranked among companies with meaningful PS Ratio only.
CFNB' s PS Ratio Range Over the Past 10 Years
Min: 2.64  Med: 5.3 Max: 8.15
Current: 5.52
2.64
8.15
Price-to-Free-Cash-Flow 19.76
CFNB's Price-to-Free-Cash-Flow is ranked lower than
77% of the 870 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.33 vs. CFNB: 19.76 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
CFNB' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 9.4  Med: 18.92 Max: 505.94
Current: 19.76
9.4
505.94
Price-to-Operating-Cash-Flow 19.76
CFNB's Price-to-Operating-Cash-Flow is ranked lower than
83% of the 940 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.82 vs. CFNB: 19.76 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
CFNB' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 9.4  Med: 19.16 Max: 505.94
Current: 19.76
9.4
505.94
EV-to-EBIT 6.38
CFNB's EV-to-EBIT is ranked higher than
73% of the 1668 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.52 vs. CFNB: 6.38 )
Ranked among companies with meaningful EV-to-EBIT only.
CFNB' s EV-to-EBIT Range Over the Past 10 Years
Min: 3.5  Med: 8.1 Max: 13.9
Current: 6.38
3.5
13.9
EV-to-EBITDA 6.32
CFNB's EV-to-EBITDA is ranked higher than
72% of the 1685 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.29 vs. CFNB: 6.32 )
Ranked among companies with meaningful EV-to-EBITDA only.
CFNB' s EV-to-EBITDA Range Over the Past 10 Years
Min: 3.2  Med: 7.6 Max: 13.3
Current: 6.32
3.2
13.3
Shiller PE Ratio 17.79
CFNB's Shiller PE Ratio is ranked higher than
64% of the 479 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.93 vs. CFNB: 17.79 )
Ranked among companies with meaningful Shiller PE Ratio only.
CFNB' s Shiller PE Ratio Range Over the Past 10 Years
Min: 5.77  Med: 14.49 Max: 19.36
Current: 17.79
5.77
19.36

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 2.79
CFNB's Dividend Yield % is ranked higher than
53% of the 2319 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.69 vs. CFNB: 2.79 )
Ranked among companies with meaningful Dividend Yield % only.
CFNB' s Dividend Yield % Range Over the Past 10 Years
Min: 2.55  Med: 3.99 Max: 14.98
Current: 2.79
2.55
14.98
Dividend Payout Ratio 0.41
CFNB's Dividend Payout Ratio is ranked lower than
63% of the 1315 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. CFNB: 0.41 )
Ranked among companies with meaningful Dividend Payout Ratio only.
CFNB' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.41  Med: 0.58 Max: 3.14
Current: 0.41
0.41
3.14
3-Year Dividend Growth Rate -41.50
CFNB's 3-Year Dividend Growth Rate is ranked lower than
94% of the 768 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.20 vs. CFNB: -41.50 )
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
CFNB' s 3-Year Dividend Growth Rate Range Over the Past 10 Years
Min: -41.5  Med: 13.15 Max: 54.2
Current: -41.5
-41.5
54.2
Forward Dividend Yield % 2.79
CFNB's Forward Dividend Yield % is ranked lower than
51% of the 2248 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.73 vs. CFNB: 2.79 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 0.81
CFNB's 5-Year Yield-on-Cost % is ranked lower than
94% of the 2649 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.31 vs. CFNB: 0.81 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
CFNB' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 0.74  Med: 1.15 Max: 4.32
Current: 0.81
0.74
4.32
3-Year Average Share Buyback Ratio 0.50
CFNB's 3-Year Average Share Buyback Ratio is ranked higher than
83% of the 1042 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.80 vs. CFNB: 0.50 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
CFNB' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -1  Med: -0.1 Max: 3.1
Current: 0.5
-1
3.1

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 0.89
CFNB's Price-to-Tangible-Book is ranked higher than
71% of the 1576 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.27 vs. CFNB: 0.89 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
CFNB' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.36  Med: 0.76 Max: 1.01
Current: 0.89
0.36
1.01
Price-to-Intrinsic-Value-Projected-FCF 0.81
CFNB's Price-to-Intrinsic-Value-Projected-FCF is ranked lower than
51% of the 869 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.78 vs. CFNB: 0.81 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
CFNB' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.59  Med: 0.94 Max: 4.72
Current: 0.81
0.59
4.72
Price-to-Median-PS-Value 1.04
CFNB's Price-to-Median-PS-Value is ranked higher than
66% of the 1462 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.14 vs. CFNB: 1.04 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
CFNB' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.48  Med: 0.96 Max: 2.12
Current: 1.04
0.48
2.12
Price-to-Graham-Number 0.77
CFNB's Price-to-Graham-Number is ranked higher than
66% of the 1364 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.96 vs. CFNB: 0.77 )
Ranked among companies with meaningful Price-to-Graham-Number only.
CFNB' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.39  Med: 0.73 Max: 1.03
Current: 0.77
0.39
1.03
Earnings Yield (Greenblatt) % 15.67
CFNB's Earnings Yield (Greenblatt) % is ranked higher than
79% of the 2207 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.95 vs. CFNB: 15.67 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
CFNB' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 7.2  Med: 12.3 Max: 28.6
Current: 15.67
7.2
28.6
Forward Rate of Return (Yacktman) % 2.14
CFNB's Forward Rate of Return (Yacktman) % is ranked lower than
77% of the 890 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.45 vs. CFNB: 2.14 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) % only.
CFNB' s Forward Rate of Return (Yacktman) % Range Over the Past 10 Years
Min: -23.7  Med: -3.5 Max: 14.5
Current: 2.14
-23.7
14.5

More Statistics

Revenue (TTM) (Mil) $30.92
EPS (TTM) $ 1.11
Beta0.28
Short Percentage of Float0.63%
52-Week Range $13.27 - 16.60
Shares Outstanding (Mil)10.28
» More Articles for CFNB

Headlines

Articles On GuruFocus.com
California First National Bancorp Hikes Dividend Nov 21 2016 
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 
California First National Bancorp Reports Operating Results (10-Q) May 14 2009 

More From Other Websites
California First National posts 3Q profit Apr 28 2017
CFNB Third Quarter Earnings Increase 56% on Strong Non-Interest Income Apr 28 2017
California First National Bancorp :CFNB-US: Earnings Analysis: Q2, 2017 By the Numbers : January 31,... Jan 31 2017
CFNB Second Quarter Earnings up 169% on Strong Gains from Sale of Leases and Leased Property and 46%... Jan 26 2017
California First National Bancorp : CFNB-US: Dividend Analysis : December 01st, 2016 (record date) :... Jan 25 2017
California First National Bancorp Hikes Dividend Nov 21 2016
ETF’s with exposure to California First National Bancorp : October 14, 2016 Oct 14 2016
California First National Bancorp :CFNB-US: Earnings Analysis: 2016 By the Numbers : August 22, 2016 Aug 22 2016
California First National Bancorp :CFNB-US: Earnings Analysis: Q4, 2016 By the Numbers : August 5,... Aug 05 2016
California First National Bancorp :CFNB-US: Earnings Analysis: Q3, 2016 By the Numbers May 06 2016
California First National Bancorp Earnings Analysis: Q2, 2016 By the Numbers Feb 05 2016
California First National Bancorp Earnings Q1, 2016 Nov 03 2015

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