CFNB (California First Leasing) Moat Score: 2/10 (As of Jul. 31, 2026)

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CFNB California First Leasing Corp CFNB
35 GF Score
Price $1,697.50
! 3 Warning Signs
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What is California First Leasing Moat Score?

California First Leasing CFNB +2.88% 35 Moat Score is 2 as of Jul. 31, 2026. GuruFocus rates CFNB with a GF Score™ of 35/100. The stock has 3 warning signs investors should review. Among 1,696 Asset Management companies, California First Leasing ranks better than 80.13% on this metric.

California First Leasing has the Moat Score of 2, which implies that the company might have No Moat - Very weak/transient advantages.

California First Leasing has No Moat: California First Leasing Corp has very weak competitive advantages. It does not exhibit strong market leadership, network effects, or significant cost advantages. Its market presence and customer loyalty are minimal.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes California First Leasing might have No Moat - Very weak/transient advantages.

California First Leasing  (OTCPK:CFNB) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

California First Leasing Moat Score Related Terms

CFNB vs NBH, MXF, RIV: Moat Score Comparison

For the Asset Management subindustry, California First Leasing's Moat Score, along with its competitors' market caps and Moat Score data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

California First Leasing Moat Score vs Asset Management Industry

For the Asset Management industry and Financial Services sector, California First Leasing's Moat Score distribution charts can be found below:

* The bar in red indicates where California First Leasing's Moat Score falls into.


CFNB
35GF Score
California First Leasing Corp CFNB
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 2 mean?
California First Leasing (CFNB) has a Moat Score of 2 as of Jul. 31, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, California First Leasing ranks #337 out of 1696 companies in the Asset Management industry, placing it in the top 19.9%.
Is California First Leasing's Moat Score too high?
California First Leasing's current Moat Score is 2. Based on the distribution chart, California First Leasing ranks #337 out of 1696 companies in the Asset Management industry, which is in the top quartile — a strong position relative to peers. Overall, California First Leasing has a GF Score™ of 35/100, reflecting its overall financial health beyond just this single metric.
How does California First Leasing's Moat Score compare to NBH and MXF?
According to the Asset Management industry distribution chart, California First Leasing ranks #337 out of 1696 companies for Moat Score. This places California First Leasing in the top 20% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for an Asset Management company?
A good Moat Score depends on the Asset Management industry context. However, Moat Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. California First Leasing's current Moat Score is 2. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is California First Leasing stock overvalued right now?
California First Leasing (CFNB) has a current Moat Score of 2. The current Moat Score is 2. California First Leasing's overall GF Score™ is 35/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Moat Score calculated?
Moat Score is calculated from a company's financial statements. For California First Leasing (CFNB), the current Moat Score is 2 as of Jul. 31, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

California First Leasing Business Description

Address 5000 Birch Street, Suite 500, Newport Beach, CA, USA, 92660
California First Leasing Corp is an internally managed non-diversified closed-end investment company. The company retains its lease business while using equity and other investments to maximize current income and generate capital appreciation.
35GF Score

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