📊 CFNB Key Takeaways
Investment Thesis
Company shows strong profitability metrics with 38% net margin and solid revenue growth of 32.8% YoY, supported by zero long-term debt and positive free cash flow. However, analysis is severely constrained by extremely stale data (June 2017), lack of current operational context, and missing critical banking sector metrics that would be essential for evaluating a commercial bank's true financial health.
CFNB Strengths
- Strong net profit margin of 38% demonstrates operational efficiency
- Revenue growth of 32.8% YoY indicates expanding business activity
- Zero long-term debt provides balance sheet strength and financial flexibility
- Positive operating cash flow of 44.3M shows cash generation capability
- Substantial equity base of 196.1M relative to banking operations
CFNB Risks
- Data is nearly 9 years old (June 2017), making analysis unreliable for current conditions
- Missing critical banking metrics: loan-to-deposit ratio, non-performing loan ratio, loan loss reserves, and capital adequacy ratios
- No insider trading activity in 90 days suggests limited management confidence or disclosure
- Low ROE of 5.7% and ROA of 1.6% are concerning for a commercial bank's capital efficiency
- Absence of operational margin data and key banking fundamentals limits comprehensive assessment
Key Metrics to Watch
- Non-performing loan ratio and loan loss reserve adequacy
- Net interest margin and loan-to-deposit ratio
- Updated financial statements with current profitability and capital ratios
CFNB Financial Metrics
💡 AI Analyst Insight
The 151.6% free cash flow margin provides substantial flexibility for dividends, buybacks, and strategic investments. The current ratio below 1.0x warrants monitoring of short-term liquidity.
CFNB Profitability Ratios
CFNB vs Finance Sector
How CALIFORNIA FIRST LEASING CORP compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
CFNB Balance Sheet & Liquidity
CFNB 5-Year Financial Trend
5-Year Trend Summary: CALIFORNIA FIRST LEASING CORP's revenue has remained relatively flat over the 5-year period, with a 0% decline. The most recent EPS of $0.87 reflects profitable operations.
CFNB Growth Metrics (YoY)
CFNB Capital Allocation
CFNB SEC Filings
Access official SEC EDGAR filings for CALIFORNIA FIRST LEASING CORP (CIK: 0000803016)
📋 Recent SEC Filings
❓ Frequently Asked Questions about CFNB
What is the AI rating for CFNB?
CALIFORNIA FIRST LEASING CORP (CFNB) has an AI rating of HOLD with 35% confidence, based on fundamental analysis of SEC EDGAR filings.
What are CFNB's key strengths?
Strong net profit margin of 38% demonstrates operational efficiency. Revenue growth of 32.8% YoY indicates expanding business activity.
What are the risks of investing in CFNB?
Data is nearly 9 years old (June 2017), making analysis unreliable for current conditions. Missing critical banking metrics: loan-to-deposit ratio, non-performing loan ratio, loan loss reserves, and capital adequacy ratios.
What is CFNB's revenue and growth?
CALIFORNIA FIRST LEASING CORP reported revenue of $29.2M.
Does CFNB pay dividends?
CALIFORNIA FIRST LEASING CORP pays dividends, with $4.7M distributed to shareholders in the trailing twelve months.
Where can I find CFNB SEC filings?
Official SEC filings for CALIFORNIA FIRST LEASING CORP (CIK: 0000803016) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is CFNB's EPS?
CALIFORNIA FIRST LEASING CORP has a diluted EPS of $1.08.
How is the AI analysis conducted?
Our AI (Claude) analyzes publicly available SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports to evaluate financial health, profitability ratios, balance sheet strength, and growth metrics.