California First Leasing Corpor (CFNB) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

California First Leasing Corpor

OTC Markets OTCID•Financial Services•Asset Management

$33.950.00(0.00%)Pre-market

Market Cap

$349.00M

P/E

21.2x

P/B

1.8x

California First Leasing Corporation engages in the provision of loans and lease financing for universities, businesses, other commercial, healthcare, and government. 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 headquartered in Newport Beach, California.

How this company scores

GoodMetricSide Score: 66/100

Strongest: Balance Sheet & Red Flags (23/25); weakest: Growth (12/25).

Profitability12/25

Growth12/25

Balance Sheet & Red Flags23/25

Cash & Earnings Quality19/25

Strengths

Rising free cash flowRising earningsLow leverageInterest easily covered

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 21.2x5y range 0.0x – 24.2x

Currently above its 18-quarter median.

P/B · 1.8x5y range 0.0x – 1.8x

Currently above its 20-quarter median.

Watch items

Data-driven signals worth keeping an eye on across the last 8 quarters

High Risk

Earnings Quality

Watch

FCF/Net Income has dropped below 0.7x in 4 quarters — monitor for earnings quality deterioration.

Share Dilution

Red Flag

Shares outstanding increased 98177.4% — significant dilution, likely from stock compensation or capital raises.

Price & Volume

Market Cap $349.00M

Metrics at a Glance

as of June 2017

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $0
Q. Revenue: $0
TTM EBITDA: $-58,000
TTM Op. Income: $0
Q. Op. Income: $0
TTM Net Income: $16.49M
Q. Net Income: $6.93M
EPS: $1.08
Shares Out.: $10.28M

$0 in TTM revenue was flat at zero YoY, reaching $0 last quarter. TTM EBITDA of $-58,000 and TTM operating income of $0 show growth is flowing through to the bottom line. TTM net income of $16.49M means revenue is converting into profit.

Margins

Gross, EBITDA, operating, and net margin trends

EBITDA Margin: N/A
Op. Margin: 0.0%
Net Margin: 693300000.0%

Op. margin of 0.0% is flat YoY — stable. Net margin at 693300000.0%

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: 21.2x
P/S Ratio: N/A
P/B Ratio: 1.8x

At 21.2x P/E, the stock trades within typical market levels. P/S of 0.0x and P/B of 1.8x provide additional context. Use the growth and margin sections to judge whether the multiple is justified. Over the past year, P/E is up 135416% — a weakening trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $715.59M
Cash: $96.06M
Long-Term Debt: $0
Book Value: $196.13M
D/E Ratio: 0.0
Debt/EBITDA: N/A

With $715.59M in assets and $0 in long-term debt, D/E is 0.0and book value is $196.13M — a conservative capital structure with a cushion to weather downturns.

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

TTM Free Cash Flow: $8.14M
FCF Margin: N/A
FCF / Net Income: 0.5

TTM FCF of $8.14M. The FCF / Net Income ratio of 0.5x means cash covers only part of net income — earnings quality needs attention. Across the last 8 quarters, free cash flow has fallen for 2 consecutive quarters — a weakening trend.