California First National Bancorp (OTCMKTS: CFNB) is one of 309 publicly-traded companies in the “Banks” industry, but how does it contrast to its peers? We will compare California First National Bancorp to similar businesses based on the strength of its earnings, valuation, profitability, dividends, institutional ownership, analyst recommendations and risk.

Profitability

This table compares California First National Bancorp and its peers’ net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
California First National Bancorp 32.09% 5.92% 1.41%
California First National Bancorp Competitors 18.66% 8.31% 0.94%

Risk and Volatility

California First National Bancorp has a beta of 0.44, suggesting that its share price is 56% less volatile than the S&P 500. Comparatively, California First National Bancorp’s peers have a beta of 0.79, suggesting that their average share price is 21% less volatile than the S&P 500.

Dividends

California First National Bancorp pays an annual dividend of $0.48 per share and has a dividend yield of 3.1%. California First National Bancorp pays out 43.2% of its earnings in the form of a dividend. As a group, “Banks” companies pay a dividend yield of 1.9% and pay out 34.9% of their earnings in the form of a dividend.

Analyst Ratings

This is a breakdown of recent ratings and price targets for California First National Bancorp and its peers, as reported by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
California First National Bancorp 0 0 0 0 N/A
California First National Bancorp Competitors 2417 8737 8747 370 2.35

As a group, “Banks” companies have a potential downside of 9.15%. Given California First National Bancorp’s peers higher possible upside, analysts clearly believe California First National Bancorp has less favorable growth aspects than its peers.

Insider & Institutional Ownership

12.1% of California First National Bancorp shares are held by institutional investors. Comparatively, 52.0% of shares of all “Banks” companies are held by institutional investors. 78.5% of California First National Bancorp shares are held by insiders. Comparatively, 10.4% of shares of all “Banks” companies are held by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company is poised for long-term growth.

Earnings and Valuation

This table compares California First National Bancorp and its peers gross revenue, earnings per share and valuation.

Gross Revenue Net Income Price/Earnings Ratio
California First National Bancorp $36.69 million $11.12 million 13.78
California First National Bancorp Competitors $5.55 billion $833.70 million 393.84

California First National Bancorp’s peers have higher revenue and earnings than California First National Bancorp. California First National Bancorp is trading at a lower price-to-earnings ratio than its peers, indicating that it is currently more affordable than other companies in its industry.

Summary

California First National Bancorp peers beat California First National Bancorp on 8 of the 12 factors compared.

About California First National Bancorp

California First National Bancorp is a bank holding company of California First National Bank (CalFirst Bank or the Bank) and leasing subsidiary, California First Leasing Corp (CalFirst Leasing). The primary business of the Company is secured financing provided through leasing and financing capital assets, commercial loans acquired through participation in the syndicated commercial loan market, by providing non-recourse loans to third parties secured by leases and equipment, and direct commercial loans. Its segments include CalFirst Bank and CalFirst Leasing. CalFirst Bank gathers deposits through posting rates on the Internet and conducts all banking and other operations from one central location. It provides leasing and financing to customers throughout the United States and across a range of industries and disciplines, including commercial, industrial and financial companies, as well as educational, government and non-profit entities.

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