California First National Bancorp (CFNB) versus The Competition Head-To-Head Survey

California First National Bancorp (OTCMKTS: CFNB) is one of 311 public companies in the “Banks” industry, but how does it compare to its competitors? We will compare California First National Bancorp to similar businesses based on the strength of its valuation, risk, analyst recommendations, dividends, profitability, earnings and institutional ownership.

Profitability

This table compares California First National Bancorp and its competitors’ net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
California First National Bancorp 32.09% 5.92% 1.41%
California First National Bancorp Competitors 17.13% 8.27% 0.93%

Institutional and Insider Ownership

12.0% of California First National Bancorp shares are owned by institutional investors. Comparatively, 51.7% of shares of all “Banks” companies are owned by institutional investors. 78.5% of California First National Bancorp shares are owned by insiders. Comparatively, 10.4% of shares of all “Banks” companies are owned by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock will outperform the market over the long term.

Dividends

California First National Bancorp pays an annual dividend of $0.48 per share and has a dividend yield of 3.1%. California First National Bancorp pays out 43.2% of its earnings in the form of a dividend. As a group, “Banks” companies pay a dividend yield of 2.0% and pay out 37.6% of their earnings in the form of a dividend.

Risk and Volatility

California First National Bancorp has a beta of 0.4, meaning that its share price is 60% less volatile than the S&P 500. Comparatively, California First National Bancorp’s competitors have a beta of 0.76, meaning that their average share price is 24% less volatile than the S&P 500.

Analyst Recommendations

This is a breakdown of current ratings and price targets for California First National Bancorp and its competitors, as provided by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
California First National Bancorp 0 0 0 0 N/A
California First National Bancorp Competitors 2518 8928 8912 380 2.34

As a group, “Banks” companies have a potential upside of 4.92%. Given California First National Bancorp’s competitors higher probable upside, analysts clearly believe California First National Bancorp has less favorable growth aspects than its competitors.

Earnings and Valuation

This table compares California First National Bancorp and its competitors top-line revenue, earnings per share and valuation.

Gross Revenue Net Income Price/Earnings Ratio
California First National Bancorp $36.69 million $11.12 million 13.78
California First National Bancorp Competitors $5.59 billion $772.66 million 387.24

California First National Bancorp’s competitors have higher revenue and earnings than California First National Bancorp. California First National Bancorp is trading at a lower price-to-earnings ratio than its competitors, indicating that it is currently more affordable than other companies in its industry.

Summary

California First National Bancorp competitors beat California First National Bancorp on 8 of the 12 factors compared.

California First National Bancorp Company Profile

California First National Bancorp is a bank holding company of California First National Bank (CalFirst Bank or the Bank) and leasing subsidiary, California First Leasing Corp (CalFirst Leasing). The primary business of the Company is secured financing provided 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. Its segments include CalFirst Bank and CalFirst Leasing. CalFirst Bank gathers deposits through posting rates on the Internet and conducts all banking and other operations from one central location. It provides leasing and financing to customers throughout the United States and across a range of industries and disciplines, including commercial, industrial and financial companies, as well as educational, government and non-profit entities.

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