How does CFNB's PE Ratio compare to its peers?

CFNB is good value based on its Price-To-Earnings Ratio (5.8x) compared to the peer average (9.5x).

How does CFNB's PE Ratio compare vs other companies in the US Diversified Financial Industry?

CFNB is good value based on its Price-To-Earnings Ratio (5.8x) compared to the US Diversified Financial industry average (18x).

What is CFNB's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

Insufficient data to calculate CFNB's Price-To-Earnings Fair Ratio for valuation analysis.

What is the Fair Price of CFNB when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

CFNB ($22.5) is trading below our estimate of [[fair value]] ($28.3)

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

Insufficient data to show price forecast.

CFNB Stock Overview

Provides loans and lease financing for universities, businesses, and other commercial or non-profit organizations. More details

CFNB fundamental analysis
Snowflake Score
Valuation	4/6
Future Growth	0/6
Past Performance	4/6
Financial Health	5/6
Dividends	2/6

Rewards

Trading at 20.5% below our estimate of its fair value

Earnings grew by 37.1% over the past year

Risk Analysis

Shares are highly illiquid

Dividend of 1.78% is not well covered by free cash flows

My Notes

Capture your thoughts, links and company narrative

California First Leasing Corporation Competitors

SWK Holdings

NasdaqGM:SWKH

US$201.5m

Acacia Research

NasdaqGS:ACTG

US$419.7m

Banco Latinoamericano de Comercio Exterior S. A

NYSE:BLX

US$1.3b

SHF Holdings

NasdaqCM:SHFS

US$22.1m

Price History & Performance

Summary of share price highs, lows and changes for California First Leasing
Historical stock prices
Current Share Price	US$22.50
52 Week High	US$25.00
52 Week Low	US$16.50
Beta	0.23
1 Month Change	-6.25%
3 Month Change	7.51%
1 Year Change	36.36%
3 Year Change	23.29%
5 Year Change	34.73%
Change since IPO	275.00%

Recent updates

Shareholder Returns

	CFNB	US Diversified Financial	US Market
7D	-4.3%	-0.6%	-2.4%
1Y	36.4%	25.5%	23.3%

Return vs Industry: CFNB exceeded the US Diversified Financial industry which returned 25.5% over the past year.

Return vs Market: CFNB exceeded the US Market which returned 23.3% over the past year.

Price Volatility

Is CFNB's price volatile compared to industry and market?
CFNB volatility
CFNB Average Weekly Movement	n/a
Diversified Financial Industry Average Movement	5.0%
Market Average Movement	6.3%
10% most volatile stocks in US Market	16.8%
10% least volatile stocks in US Market	3.1%

Stable Share Price: CFNB's share price has been volatile over the past 3 months compared to the US market.

Volatility Over Time: Insufficient data to determine CFNB's volatility change over the past year.

About the Company

Founded	Employees	CEO	Website
1977	n/a	Patrick Paddon	www.calfirstbancorp.com

California First Leasing Corporation provides loans and lease financing for universities, businesses, and other commercial or non-profit organizations. The company was formerly known as California First National Bancorp and changed its name to California First Leasing Corporation in February 2021. California First Leasing Corporation was founded in 1977 and is based in Newport Beach, California.

California First Leasing Corporation Fundamentals Summary

How do California First Leasing's earnings and revenue compare to its market cap?
CFNB fundamental statistics
Market cap	US$209.46m
Earnings (TTM)	US$36.40m
Revenue (TTM)	US$52.84m

5.8x

P/E Ratio

4.0x

P/S Ratio

Is CFNB overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
CFNB income statement (TTM)
Revenue	US$52.84m
Cost of Revenue	-US$80.00k
Gross Profit	US$52.92m
Other Expenses	US$16.52m
Earnings	US$36.40m

Last Reported Earnings

Sep 30, 2024

Next Earnings Date

n/a

Earnings per share (EPS)	3.91
Gross Margin	100.15%
Net Profit Margin	68.89%
Debt/Equity Ratio	0.006%

How did CFNB perform over the long term?

See historical performance and comparison

Dividends

1.8%

Current Dividend Yield

11%

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2024/12/21 07:45
End of Day Share Price	2024/12/17 00:00
Earnings	2024/09/30
Annual Earnings	2024/06/30

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

California First Leasing Corporation is covered by 0 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution