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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 1.26
CFNB's Cash to Debt is ranked lower than
60% of the 1162 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.79 vs. CFNB: 1.26 )
Ranked among companies with meaningful Cash to Debt only.
CFNB' s Cash to Debt Range Over the Past 10 Years
Min: 0.82  Med: 4.06 Max: N/A
Current: 1.26
Equity to Asset 0.22
CFNB's Equity to Asset is ranked higher than
93% of the 1660 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: 0.44 Max: 0.74
Current: 0.22
0.22
0.74
Interest Coverage 1.87
CFNB's Interest Coverage is ranked higher than
57% of the 1543 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.64 vs. CFNB: 1.87 )
Ranked among companies with meaningful Interest Coverage only.
CFNB' s Interest Coverage Range Over the Past 10 Years
Min: 1.95  Med: 3.73 Max: 6.75
Current: 1.87
1.95
6.75
F-Score: 4
M-Score: -1.96
WACC vs ROIC
5.93%
3.61%
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 (%) 44.79
CFNB's Operating margin (%) is ranked higher than
78% of the 1677 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.23 vs. CFNB: 44.79 )
Ranked among companies with meaningful Operating margin (%) only.
CFNB' s Operating margin (%) Range Over the Past 10 Years
Min: 39.58  Med: 51.84 Max: 60.05
Current: 44.79
39.58
60.05
Net-margin (%) 27.16
CFNB's Net-margin (%) is ranked higher than
64% of the 1680 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.64 vs. CFNB: 27.16 )
Ranked among companies with meaningful Net-margin (%) only.
CFNB' s Net-margin (%) Range Over the Past 10 Years
Min: 24.74  Med: 31.95 Max: 37.08
Current: 27.16
24.74
37.08
ROE (%) 3.33
CFNB's ROE (%) is ranked lower than
84% of the 1675 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.42 vs. CFNB: 3.33 )
Ranked among companies with meaningful ROE (%) only.
CFNB' s ROE (%) Range Over the Past 10 Years
Min: 3.49  Med: 4.80 Max: 5.71
Current: 3.33
3.49
5.71
ROA (%) 0.81
CFNB's ROA (%) is ranked lower than
52% of the 1684 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.89 vs. CFNB: 0.81 )
Ranked among companies with meaningful ROA (%) only.
CFNB' s ROA (%) Range Over the Past 10 Years
Min: 1.24  Med: 2.04 Max: 3.62
Current: 0.81
1.24
3.62
Revenue Growth (3Y)(%) 1.40
CFNB's Revenue Growth (3Y)(%) is ranked lower than
58% of the 1369 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.90 vs. CFNB: 1.40 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
CFNB' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -9.7  Med: -4.10 Max: 5.6
Current: 1.4
-9.7
5.6
EBITDA Growth (3Y)(%) 0.50
CFNB's EBITDA Growth (3Y)(%) is ranked lower than
68% of the 1263 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. CFNB: 0.50 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
CFNB' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -18  Med: -0.80 Max: 22
Current: 0.5
-18
22
EPS Growth (3Y)(%) 0.50
CFNB's EPS Growth (3Y)(%) is ranked lower than
70% of the 1248 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. CFNB: 0.50 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
CFNB' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -16.9  Med: -1.50 Max: 20
Current: 0.5
-16.9
20
» 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) 25.42
CFNB's P/E(ttm) is ranked lower than
86% of the 1570 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.56 vs. CFNB: 25.42 )
Ranked among companies with meaningful P/E(ttm) only.
CFNB' s P/E(ttm) Range Over the Past 10 Years
Min: 9.31  Med: 15.95 Max: 24.95
Current: 25.42
9.31
24.95
PE(NRI) 25.42
CFNB's PE(NRI) is ranked lower than
85% of the 1570 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.56 vs. CFNB: 25.42 )
Ranked among companies with meaningful PE(NRI) only.
CFNB' s PE(NRI) Range Over the Past 10 Years
Min: 9.36  Med: 15.99 Max: 25
Current: 25.42
9.36
25
P/B 0.83
CFNB's P/B is ranked higher than
68% of the 1642 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.04 vs. CFNB: 0.83 )
Ranked among companies with meaningful P/B only.
CFNB' s P/B Range Over the Past 10 Years
Min: 0.38  Med: 0.78 Max: 1.04
Current: 0.83
0.38
1.04
P/S 6.80
CFNB's P/S is ranked lower than
88% of the 1637 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.93 vs. CFNB: 6.80 )
Ranked among companies with meaningful P/S only.
CFNB' s P/S Range Over the Past 10 Years
Min: 2.64  Med: 5.17 Max: 8.15
Current: 6.8
2.64
8.15
POCF 26.75
CFNB's POCF is ranked lower than
94% of the 975 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.20 vs. CFNB: 26.75 )
Ranked among companies with meaningful POCF only.
CFNB' s POCF Range Over the Past 10 Years
Min: 9.4  Med: 22.35 Max: 505.94
Current: 26.75
9.4
505.94
EV-to-EBIT 14.93
CFNB's EV-to-EBIT is ranked lower than
55% of the 1503 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.40 vs. CFNB: 14.93 )
Ranked among companies with meaningful EV-to-EBIT only.
CFNB' s EV-to-EBIT Range Over the Past 10 Years
Min: 3.5  Med: 8.50 Max: 13.9
Current: 14.93
3.5
13.9
EV-to-EBITDA 14.67
CFNB's EV-to-EBITDA is ranked lower than
59% of the 1507 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.24 vs. CFNB: 14.67 )
Ranked among companies with meaningful EV-to-EBITDA only.
CFNB' s EV-to-EBITDA Range Over the Past 10 Years
Min: 3.2  Med: 7.90 Max: 13.3
Current: 14.67
3.2
13.3
Shiller P/E 16.65
CFNB's Shiller P/E is ranked higher than
56% of the 504 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.22 vs. CFNB: 16.65 )
Ranked among companies with meaningful Shiller P/E only.
CFNB' s Shiller P/E Range Over the Past 10 Years
Min: 5.77  Med: 13.92 Max: 19.21
Current: 16.65
5.77
19.21

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.94
CFNB's Dividend Yield is ranked higher than
51% of the 2098 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.90 vs. CFNB: 2.94 )
Ranked among companies with meaningful Dividend Yield only.
CFNB' s Dividend Yield Range Over the Past 10 Years
Min: 2.16  Med: 3.99 Max: 14.98
Current: 2.94
2.16
14.98
Dividend Payout 0.73
CFNB's Dividend Payout is ranked lower than
89% of the 1273 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.34 vs. CFNB: 0.73 )
Ranked among companies with meaningful Dividend Payout only.
CFNB' s Dividend Payout Range Over the Past 10 Years
Min: 0.07  Med: 0.39 Max: 12.94
Current: 0.73
0.07
12.94
Dividend Growth (3y) -27.50
CFNB's Dividend Growth (3y) is ranked lower than
90% of the 742 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.80 vs. CFNB: -27.50 )
Ranked among companies with meaningful Dividend Growth (3y) only.
CFNB' s Dividend Growth (3y) Range Over the Past 10 Years
Min: -27.5  Med: 17.00 Max: 54.2
Current: -27.5
-27.5
54.2
Forward Dividend Yield 3.01
CFNB's Forward Dividend Yield is ranked lower than
53% of the 1965 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.74 vs. CFNB: 3.01 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 1.74
CFNB's Yield on cost (5-Year) is ranked lower than
77% of the 2495 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.43 vs. CFNB: 1.74 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
CFNB' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 1.25  Med: 2.30 Max: 8.65
Current: 1.74
1.25
8.65
3-Year Average Share Buyback Ratio -0.10
CFNB's 3-Year Average Share Buyback Ratio is ranked higher than
75% of the 1112 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.00 vs. CFNB: -0.10 )
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: -0.10 Max: 3.7
Current: -0.1
-1
3.7

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.81
CFNB's Price/Tangible Book is ranked higher than
70% of the 1634 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.11 vs. CFNB: 0.81 )
Ranked among companies with meaningful Price/Tangible Book only.
CFNB' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.36  Med: 0.76 Max: 1.01
Current: 0.81
0.36
1.01
Earnings Yield (Greenblatt) (%) 6.72
CFNB's Earnings Yield (Greenblatt) (%) is ranked higher than
50% of the 1644 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 vs. CFNB: 6.72 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
CFNB' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 7.2  Med: 11.80 Max: 28.6
Current: 6.72
7.2
28.6
Forward Rate of Return (Yacktman) (%) -8.14
CFNB's Forward Rate of Return (Yacktman) (%) is ranked lower than
88% of the 843 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.13 vs. CFNB: -8.14 )
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: -21.9  Med: -5.50 Max: 9
Current: -8.14
-21.9
9

More Statistics

Revenue(Mil) $23
EPS $ 0.60
Beta0.50
Short Percentage of Float0.08%
52-Week Range $12.76 - 14.90
Shares Outstanding(Mil)10.28

Business Description

Industry: Banks » Banks - Regional - US
Compare:NAS:TBBK, NAS:FNLC, NAS:OSBC, NAS:FFKT, NAS:FMBH, NAS:MBVT » details
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.
» 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 
California First National Bancorp Reports Operating Results (10-Q) May 14 2009 

More From Other Websites
CALIFORNIA FIRST NATIONAL BANCORP Files SEC form 8-K, Results of Operations and Financial Condition Apr 29 2016
California First National Bancorp Earnings Analysis: Q2, 2016 By the Numbers Feb 05 2016
CALIFORNIA FIRST NATIONAL BANCORP Financials Feb 04 2016
California First National posts 2Q profit Jan 29 2016
California First National posts 2Q profit Jan 29 2016
CFNB SECOND QUARTER EARNINGS DOWN AS LOWER Jan 29 2016
CALIFORNIA FIRST NATIONAL BANCORP Files SEC form 8-K, Results of Operations and Financial Condition Jan 29 2016
CALIFORNIA FIRST NATIONAL BANCORP Files SEC form 10-Q, Quarterly Report Nov 09 2015
California First National Bancorp Earnings Q1, 2016 Nov 03 2015
CFNB FIRST QUARTER EARNINGS DOWN AS LOWER NON-INTEREST INCOME OFFSETS 13% INCREASE IN NET INTEREST... Nov 02 2015
CALIFORNIA FIRST NATIONAL BANCORP Files SEC form 8-K, Results of Operations and Financial Condition,... Oct 30 2015
California First National posts 1Q profit Oct 30 2015
California First National posts 1Q profit Oct 30 2015
CFNB First Quarter Earnings Down as Lower Non-Interest Income Offsets 13% Increase in Net Interest... Oct 30 2015
CALIFORNIA FIRST NATIONAL BANCORP Files SEC form 10-K, Annual Report Sep 25 2015
CALIFORNIA FIRST NATIONAL BANCORP Files SEC form 8-K, Results of Operations and Financial Condition,... Jul 30 2015
California First National posts 4Q profit Jul 29 2015
California First National posts 4Q profit Jul 29 2015
CFNB Reports Lower Fourth Quarter Net Earnings of $1.4 Million Jul 29 2015
CALIFORNIA FIRST NATIONAL BANCORP Files SEC form 10-Q, Quarterly Report May 14 2015

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