California First Leasing (OTCMKTS:CFNB) and Coastal Financial (NASDAQ:CCB) Financial Review

Coastal Financial (NASDAQ:CCB) and California First Leasing (OTCMKTS:CFNB) are both small-cap finance companies, but which is the superior stock? We will contrast the two companies based on the strength of their analyst recommendations, earnings, valuation, dividends, risk, profitability and institutional ownership.

Analyst Recommendations

This is a summary of recent recommendations and price targets for Coastal Financial and California First Leasing, as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Coastal Financial	1	1	4	1	2.71
California First Leasing	0	0	0	0	0.00

Coastal Financial presently has a consensus price target of $128.00, indicating a potential upside of 64.74%. Given Coastal Financial’s stronger consensus rating and higher possible upside, equities analysts plainly believe Coastal Financial is more favorable than California First Leasing.

Institutional and Insider Ownership

59.2% of Coastal Financial shares are owned by institutional investors. Comparatively, 6.5% of California First Leasing shares are owned by institutional investors. 14.1% of Coastal Financial shares are owned by company insiders. Comparatively, 92.2% of California First Leasing shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock is poised for long-term growth.

Risk & Volatility

Coastal Financial has a beta of 0.86, suggesting that its stock price is 14% less volatile than the S&P 500. Comparatively, California First Leasing has a beta of 0.16, suggesting that its stock price is 84% less volatile than the S&P 500.

Earnings and Valuation

This table compares Coastal Financial and California First Leasing”s gross revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Coastal Financial	$661.22 million	1.79	$46.99 million	$3.04	25.56
California First Leasing	N/A	N/A	N/A	N/A	N/A

Coastal Financial has higher revenue and earnings than California First Leasing.

Profitability

This table compares Coastal Financial and California First Leasing’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Coastal Financial	7.11%	10.01%	1.04%
California First Leasing	N/A	N/A	N/A

Summary

Coastal Financial beats California First Leasing on 10 of the 11 factors compared between the two stocks.

About Coastal Financial

Coastal Financial Corporation operates as the bank holding company for Coastal Community Bank that provides various banking products and services to small and medium-sized businesses, professionals, and individuals in the Puget Sound region in Washington. It accepts a range of deposit products, including demand and savings accounts, time deposits, and money market accounts. The company also offers commercial and industrial loans, such as term loans, commercial lines of credit, capital call lines working capital loans, equipment financing, borrowing base loans, small business administration loans, and other loan products; owner and non-owner-occupied real estate loans, and multi-family residential loans; construction, land, and land development loans; residential real estate loans; and consumer and other loans, including automobile, boat and recreational vehicle, and secured term loans, as well as personal lines of credit, including overdraft protection. In addition, it provides remote deposit capture, online and mobile banking, and direct and reciprocal deposit services; and debit cards. Further, the company offers business accounts and cash management services, including business checking and savings accounts, and treasury services, as well as Banking as a Service (BaaS), a platform that allows broker dealers and digital financial service providers to offer their customers banking services. Coastal Financial Corporation was founded in 1997 and is headquartered in Everett, Washington.

About California First Leasing

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.