📊 CFNB Key Takeaways
Is California First Leasing Corp. (CFNB) a Good Investment?
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.
California First Leasing shows solid reported fundamental performance in the latest provided period, with strong revenue and net income growth, high net margins, positive ROA/ROE, and a debt-free balance sheet supported by meaningful cash generation. However, the data is stale as of 2017-06-30, and the very high free cash flow margin plus limited operating detail reduce confidence in the durability and current relevance of the reported strength.
Why Buy California First Leasing Corp. Stock? CFNB Key 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
- Strong top-line and earnings growth, with revenue up 32.8% and net income up 28.6% year over year
- Healthy profitability, including 68.5% gross margin and 38.0% net margin
- Conservative financial position with zero long-term debt, $96.06M in cash, and positive operating cash flow of $44.33M
CFNB Stock Risks: California First Leasing Corp. Investment 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
- Financial data is materially outdated, making current fundamentals uncertain
- Low ROE of 5.7% suggests modest shareholder return despite strong net margins
- Cash flow quality needs scrutiny because free cash flow exceeds revenue margin assumptions and capex/operating detail is incomplete
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
- Net interest margin and loan/lease portfolio credit quality
- ROE trend and operating cash flow consistency
California First Leasing Corp. (CFNB) Financial Metrics & Key Ratios
💡 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 Profit Margin, ROE & Profitability Analysis
CFNB vs Finance Sector: How California First Leasing Corp. Compares
How California First Leasing Corp. compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is California First Leasing Corp. Stock Overvalued? CFNB Valuation Analysis 2026
Based on fundamental analysis, California First Leasing Corp. has mixed fundamental signals relative to the Finance sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
California First Leasing Corp. Balance Sheet: CFNB Debt, Cash & Liquidity
CFNB Revenue & Earnings Growth: 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 Revenue Growth, EPS Growth & YoY Performance
California First Leasing Corp. Dividends, Buybacks & Capital Allocation
CFNB SEC Filings: Latest 10-K & 10-Q Analysis
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 a Combined AI Rating of HOLD from Claude (HOLD) and ChatGPT (HOLD) with 58% combined confidence, based on fundamental analysis of SEC EDGAR filings.
What are CFNB's key strengths?
Claude: Strong net profit margin of 38% demonstrates operational efficiency. Revenue growth of 32.8% YoY indicates expanding business activity. ChatGPT: Strong top-line and earnings growth, with revenue up 32.8% and net income up 28.6% year over year. Healthy profitability, including 68.5% gross margin and 38.0% net margin.
What are the risks of investing in CFNB?
Claude: 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. ChatGPT: Financial data is materially outdated, making current fundamentals uncertain. Low ROE of 5.7% suggests modest shareholder return despite strong net margins.
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?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined rating reflects both perspectives for balanced insights.
Is CFNB a good stock to buy right now?
Based on our AI fundamental analysis in April 2026, California First Leasing Corp. has a HOLD rating with 58% confidence. Review the strengths and risks sections above before making a decision. This is not investment advice.
Is CFNB stock overvalued or undervalued?
Valuation metrics for CFNB: ROE of 5.7% (sector avg: 12%), net margin of 38.0% (sector avg: 25%). Compare these metrics with sector averages to assess valuation.
Should I buy CFNB stock in 2026?
Our dual AI analysis gives California First Leasing Corp. a combined HOLD rating for 2026. Revenue is data pending, with profitability above sector average. Always conduct your own research.
What is CFNB's free cash flow?
California First Leasing Corp.'s operating cash flow is $44.3M, with capital expenditures of N/A. FCF margin is 151.6%.
How does CFNB compare to other Finance stocks?
Vs Finance sector averages: Net margin 38.0% (avg: 25%), ROE 5.7% (avg: 12%), current ratio N/A (avg: 1.2).