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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 : 4/10

vs
industry
vs
history
Cash to Debt 1.66
CFNB's Cash to Debt is ranked higher than
51% of the 980 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.53 vs. CFNB: 1.66 )
Ranked among companies with meaningful Cash to Debt only.
CFNB' s 10-Year Cash to Debt Range
Min: 0.82  Med: 4.41 Max: N/A
Current: 1.66
Equity to Asset 0.27
CFNB's Equity to Asset is ranked higher than
93% of the 1337 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. CFNB: 0.27 )
Ranked among companies with meaningful Equity to Asset only.
CFNB' s 10-Year Equity to Asset Range
Min: 0.27  Med: 0.49 Max: 0.74
Current: 0.27
0.27
0.74
Interest Coverage 3.65
CFNB's Interest Coverage is ranked higher than
72% of the 1255 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.62 vs. CFNB: 3.65 )
Ranked among companies with meaningful Interest Coverage only.
CFNB' s 10-Year Interest Coverage Range
Min: 1.95  Med: 12.79 Max: 9999.99
Current: 3.65
1.95
9999.99
F-Score: 5
WACC vs ROIC
3.44%
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
89% of the 1405 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.01 vs. CFNB: 55.12 )
Ranked among companies with meaningful Operating margin (%) only.
CFNB' s 10-Year Operating margin (%) Range
Min: 39.58  Med: 49.73 Max: 60.05
Current: 55.12
39.58
60.05
Net-margin (%) 34.39
CFNB's Net-margin (%) is ranked higher than
80% of the 1405 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.75 vs. CFNB: 34.39 )
Ranked among companies with meaningful Net-margin (%) only.
CFNB' s 10-Year Net-margin (%) Range
Min: 24.74  Med: 31.53 Max: 37.08
Current: 34.39
24.74
37.08
ROE (%) 5.16
CFNB's ROE (%) is ranked lower than
71% of the 1407 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.30 vs. CFNB: 5.16 )
Ranked among companies with meaningful ROE (%) only.
CFNB' s 10-Year ROE (%) Range
Min: 3.49  Med: 4.72 Max: 15.47
Current: 5.16
3.49
15.47
ROA (%) 1.55
CFNB's ROA (%) is ranked higher than
82% of the 1416 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.84 vs. CFNB: 1.55 )
Ranked among companies with meaningful ROA (%) only.
CFNB' s 10-Year ROA (%) Range
Min: 1.24  Med: 2.36 Max: 9.59
Current: 1.55
1.24
9.59
ROC (Joel Greenblatt) (%) 49.29
CFNB's ROC (Joel Greenblatt) (%) is ranked lower than
64% of the 1398 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 76.67 vs. CFNB: 49.29 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
CFNB' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 34.69  Med: 57.92 Max: 234.05
Current: 49.29
34.69
234.05
Revenue Growth (3Y)(%) -9.70
CFNB's Revenue Growth (3Y)(%) is ranked lower than
86% of the 1186 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.00 vs. CFNB: -9.70 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
CFNB' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0  Med: -8.95 Max: 5.7
Current: -9.7
0
5.7
EBITDA Growth (3Y)(%) -16.70
CFNB's EBITDA Growth (3Y)(%) is ranked lower than
88% of the 1046 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.50 vs. CFNB: -16.70 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
CFNB' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0  Med: -15.55 Max: 22
Current: -16.7
0
22
EPS Growth (3Y)(%) -13.90
CFNB's EPS Growth (3Y)(%) is ranked lower than
85% of the 1055 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.40 vs. CFNB: -13.90 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
CFNB' s 10-Year EPS Growth (3Y)(%) Range
Min: -17  Med: -2.70 Max: 19.8
Current: -13.9
-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) 14.80
CFNB's P/E(ttm) is ranked lower than
53% of the 1259 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.20 vs. CFNB: 14.80 )
Ranked among companies with meaningful P/E(ttm) only.
CFNB' s 10-Year P/E(ttm) Range
Min: 9.31  Med: 15.99 Max: 24.93
Current: 14.8
9.31
24.93
Forward P/E 14.04
CFNB's Forward P/E is ranked lower than
68% of the 710 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.18 vs. CFNB: 14.04 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 14.70
CFNB's PE(NRI) is ranked lower than
53% of the 1255 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.20 vs. CFNB: 14.70 )
Ranked among companies with meaningful PE(NRI) only.
CFNB' s 10-Year PE(NRI) Range
Min: 9.36  Med: 16.03 Max: 25
Current: 14.7
9.36
25
P/B 0.75
CFNB's P/B is ranked higher than
76% of the 1359 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. CFNB: 0.75 )
Ranked among companies with meaningful P/B only.
CFNB' s 10-Year P/B Range
Min: 0.38  Med: 0.78 Max: 1.04
Current: 0.75
0.38
1.04
P/S 5.10
CFNB's P/S is ranked lower than
81% of the 1388 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.94 vs. CFNB: 5.10 )
Ranked among companies with meaningful P/S only.
CFNB' s 10-Year P/S Range
Min: 2.65  Med: 5.12 Max: 8.15
Current: 5.1
2.65
8.15
POCF 27.04
CFNB's POCF is ranked lower than
89% of the 923 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.67 vs. CFNB: 27.04 )
Ranked among companies with meaningful POCF only.
CFNB' s 10-Year POCF Range
Min: 9.36  Med: 18.92 Max: 1729
Current: 27.04
9.36
1729
EV-to-EBIT 7.59
CFNB's EV-to-EBIT is ranked higher than
80% of the 1271 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.91 vs. CFNB: 7.59 )
Ranked among companies with meaningful EV-to-EBIT only.
CFNB' s 10-Year EV-to-EBIT Range
Min: 3.5  Med: 8.40 Max: 12.1
Current: 7.59
3.5
12.1
Shiller P/E 14.34
CFNB's Shiller P/E is ranked higher than
62% of the 769 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 16.77 vs. CFNB: 14.34 )
Ranked among companies with meaningful Shiller P/E only.
CFNB' s 10-Year Shiller P/E Range
Min: 7.91  Med: 14.27 Max: 19.84
Current: 14.34
7.91
19.84
Days Sales Outstanding 20.12
CFNB's Days Sales Outstanding is ranked higher than
80% of the 775 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 33.80 vs. CFNB: 20.12 )
Ranked among companies with meaningful Days Sales Outstanding only.
CFNB' s 10-Year Days Sales Outstanding Range
Min: 4.28  Med: 66.07 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 higher than
60% of the 2216 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.60 vs. CFNB: 3.11 )
Ranked among companies with meaningful Dividend Yield only.
CFNB' s 10-Year Dividend Yield Range
Min: 2.16  Med: 3.99 Max: 14.98
Current: 3.11
2.16
14.98
Dividend Payout 0.46
CFNB's Dividend Payout is ranked lower than
69% of the 1297 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. CFNB: 0.46 )
Ranked among companies with meaningful Dividend Payout only.
CFNB' s 10-Year Dividend Payout Range
Min: 0.07  Med: 0.19 Max: 12.94
Current: 0.46
0.07
12.94
Dividend growth (3y) -26.30
CFNB's Dividend growth (3y) is ranked lower than
87% of the 664 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.20 vs. CFNB: -26.30 )
Ranked among companies with meaningful Dividend growth (3y) only.
CFNB' s 10-Year Dividend growth (3y) Range
Min: -26.3  Med: 17.00 Max: 54.2
Current: -26.3
-26.3
54.2
Yield on cost (5-Year) 4.83
CFNB's Yield on cost (5-Year) is ranked higher than
70% of the 2229 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.07 vs. CFNB: 4.83 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
CFNB' s 10-Year Yield on cost (5-Year) Range
Min: 3.35  Med: 6.20 Max: 23.26
Current: 4.83
3.35
23.26
Share Buyback Rate -0.20
CFNB's Share Buyback Rate is ranked higher than
73% of the 1010 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.90 vs. CFNB: -0.20 )
Ranked among companies with meaningful Share Buyback Rate only.
CFNB' s 10-Year Share Buyback Rate Range
Min: 3.7  Med: 0.20 Max: -1.7
Current: -0.2

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.75
CFNB's Price/Tangible Book is ranked higher than
78% of the 1337 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.18 vs. CFNB: 0.75 )
Ranked among companies with meaningful Price/Tangible Book only.
CFNB' s 10-Year Price/Tangible Book Range
Min: 0.36  Med: 0.77 Max: 1.01
Current: 0.75
0.36
1.01
Price/Projected FCF 0.94
CFNB's Price/Projected FCF is ranked lower than
71% of the 749 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.68 vs. CFNB: 0.94 )
Ranked among companies with meaningful Price/Projected FCF only.
CFNB' s 10-Year Price/Projected FCF Range
Min: 0.66  Med: 1.42 Max: 5.07
Current: 0.94
0.66
5.07
Price/Median PS Value 1.00
CFNB's Price/Median PS Value is ranked higher than
65% of the 1195 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.08 vs. CFNB: 1.00 )
Ranked among companies with meaningful Price/Median PS Value only.
CFNB' s 10-Year Price/Median PS Value Range
Min: 0.49  Med: 0.97 Max: 2.19
Current: 1
0.49
2.19
Price/Graham Number 0.71
CFNB's Price/Graham Number is ranked higher than
65% of the 1086 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.86 vs. CFNB: 0.71 )
Ranked among companies with meaningful Price/Graham Number only.
CFNB' s 10-Year Price/Graham Number Range
Min: 0.38  Med: 0.72 Max: 1.03
Current: 0.71
0.38
1.03
Earnings Yield (Greenblatt) (%) 13.20
CFNB's Earnings Yield (Greenblatt) (%) is ranked higher than
82% of the 1390 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. CFNB: 13.20 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
CFNB' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 8.3  Med: 11.90 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
85% of the 764 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.55 vs. CFNB: -10.04 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
CFNB' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: -19.3  Med: -5.80 Max: 10.8
Current: -10.04
-19.3
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 NAS: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 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 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

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