| Company Name: | California First National Bancorp | | Ticker Symbol: | CFNB | | | WWW Address: | www.calfirstbancorp.com | | CEO: | Patrick E. Paddon | | No. of Employees: | 155 | | Common Issue Type: | CS | | Business Description: | A bank holding company, which is engaged in the business of leasing and banking with its banking subsidiary, California First National Bank. It leases capital assets and re-markets leased assets at lease expiration.
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| | | Industry Information: | BANKING - Regional - Pacific Banks [more like this] |
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| Price | Day Change | Bid | Ask | Open | High | Low | Volume | | 12.63 |  -0.07 | 11.12 | 14.23 | 12.07 | 12.63 | 12.63 | 613 |
| Market Cap (mil) | Shares Outstanding (mil) | Beta | EPS | DPS | P/E | Yield | 52-Wks-Range |
| 128.8 | 10.2 | 0.77 | 0.89 | 0.48 | 11.8 | 1.0 | 12.99 - 6.61 |
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| KEY FIGURES (Latest Twelve Months - LTM) | | Yesterday's Close | 12.63 | $ | | PE Ratio - LTM | 11.8 | |
| Market Capitalisation | 128.6 | mil |
| Latest Shares Outstanding | 10.2 | mil |
| Earnings pS (EPS) | 0.89 | $ |
| Dividend pS (DPS) | 0.48 | ¢ |
| Dividend Yield | 1.0 | % |
| Dividend Payout Ratio | 54 | % |
| Revenue per Employee | 242,032 | $ |
| Effective Tax Rate | 37.5 | % |
| Float | 2.2 | mil |
| Float as % of Shares Outstanding | 21.4 | % |
| Foreign Sales | - | |
| Domestic Sales | - | |
| Selling, General & Adm/tive (SG&A) as % of Revenue | - | |
| Research & Devlopment (R&D) as % of Revenue | - | |
| Gross Profit Margin | - | |
| EBITDA Margin | 63.4 | % |
| Pre-Tax Profit Margin | 44.6 | % |
| Assets Turnover | 0.1 | % |
| Return on Assets (ROA) | 2.2 | % |
| Return on Equity (ROE) | 5.6 | % |
| Return on Capital Invested (ROCI) | 5.2 | % |
| Current Ratio | - | |
| Leverage Ratio (Assets/Equity) | 2.6 | |
| Interest Cover | 3.7 | |
| Total Debt/Equity (Gearing Ratio) | 0.27 | |
| LT Debt/Total Capital | 8.0 | % |
| Working Capital pS | - | |
| Cash pS | - | |
| Book-Value pS | 19.19 | $ |
| Tangible Book-Value pS | 19.19 | $ |
| Cash Flow pS | 1.08 | $ |
| Free Cash Flow pS | 1.03 | $ |
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| KEY FIGURES (LTM): Price info |
| Price/Book Ratio | 0.66 | |
| Price/Tangible Book Ratio | 0.66 | |
| Price/Cash Flow | 11.7 | |
| Price/Free Cash Flow | 12.2 | |
| P/E as % of Industry Group | 0.0 | % |
| P/E as % of Sector Segment | 0.0 | % |
| | | Balance Sheet (at a glance) in Millions |
| | | | | | DIVIDEND INFO | | Dividend Declared Date | 10/21/2009 |
| Dividend Ex-Date | 11/26/2009 |
| Dividend Record Date | 11/30/2009 |
| Dividend Pay Date | 12/15/2009 |
| Dividend Amount | 480 |
| Type of Payment | Cash Payment |
| Dividend Rate | 0.12 |
| Current Dividend Yield | 1.0 |
| 5-Y Average Dividend Yield | 3.8 |
| Payout Ratio | 54.0 |
| 5-Y Average Payout Ratio | 110.0 |
|  | | Share price performance previous 3 years |
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 | | | Share price performance intraday |
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| PRICE/VOLUME | High | Low | Close | % Price Chg | % Price Chg vs. Mkt. | Avg. Daily Vol | Total Vol |
| 1 Week | - | - | - | 0.9 | 100 | 14 | 15 |
| 4 Weeks | 12.84 | 11.53 | 12.09 | 4.5 | 98 | 20 | 334 |
| 13 Weeks | 12.84 | 10.53 | 12.47 | 1.3 | 94 | 40 | 2,424 |
| 26 Weeks | 12.99 | 10.53 | 12.50 | 1.0 | 84 | 57 | 7,111 |
| 52 Weeks | 12.99 | 6.61 | 8.19 | 54.2 | 125 | 42 | 10,481 |
| YTD | 12.99 | 6.65 | - | 91.1 | 156 | 41 | 9,372 |
| Moving Average | 5-Days | 10-Days | 10-Weeks | 30-Weeks | 200-Days | Beta (60-Mnth) | Beta (36-Mnth) |
| 12.63 | 12.37 | 11.86 | 11.91 | 10.83 | 0.77 | 0.79 |
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| GROWTH RATES | 5-Year
Growh | R² of 5-Year Growth | 3-Year
Growth |
| Revenue | 1.25 | 31.8 | 2.44 |
| Income | 0.91 | 1.0 | -0.15 |
| Dividend | -12.55 | 14.5 | 1.08 |
| Capital Spending | 0.00 | NA | 0.00 |
| R&D | 0.00 | NA | 0.00 |
| Normalized Inc. | 2.31 | NA | 2.18 |
| | | CHANGES | YTD vs.
Last YTD | Curr Qtr vs.
Qtr 1-Yr ago | Annual vs.
Last Annual |
| Revenue % | 23.7 | 23.7 | 10.5 |
| Earnings % | 92.5 | 92.5 | 33.2 |
| EPS % | 112.5 | 112.5 | 45.9 |
| EPS $ | 0.18 | 0.18 | 0.28 |
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| SOLVENCY RATIOS | | SHORT-TERM SOLVENCY RATIOS (LIQUIDITY) |
| Free Cash Flow Margin | 46.77 |
| Free Cash Flow Margin 5YEAR AVG | 1.34 |
| Cash-Flow pS | 1.25 |
| Free Cash-Flow pS | 1.38 |
| FINANCIAL STRUCTURE RATIOS |
| Financial Leverage Ratio (Assets/Equity) | 2.56 |
| Debt Ratio | 60.86 |
| Total Debt/Equity (Gearing Ratio) | 0.27 |
| LT Debt/Equity | 0.09 |
| LT Debt/Capital Invested | 8.15 |
| LT Debt/Total Liabilities | 5.71 |
| | | | VALUATION RATIOS | | MULTIPLES |
| PQ Ratio | 1.25 |
| Tobin's Q Ratio | 0.29 |
| Current P/E Ratio - LTM | 11.80 |
| Enterprise Value (EV)/EBITDA | 0.05 |
| Enterprise Value (EV)/Free Cash Flow | 5.71 |
| Dividend Yield | 1.0 |
| Price/Tangible Book Ratio - LTM | 0.66 |
| Price/Book Ratio - LTM | 0.66 |
| Price/Cash Flow Ratio | 11.7 |
| Price/Free Cash Flow Ratio - LTM | 12.2 |
| P/E Ratio (1 month ago) - LTM | 11.3 |
| P/E Ratio (26 weeks ago) - LTM | 15.8 |
| P/E Ratio (52 weeks ago) - LTM | 13.7 |
| 5-Y High P/E Ratio | 24.6 |
| 5-Y Low P/E Ratio | 7.4 |
| 5-Y Average P/E Ratio | 15.3 |
| Current P/E Ratio as % of 5-Y Average P/E | 77 |
| P/E as % of Industry Group | 0.0 |
| P/E as % of Sector Segment | 0.0 |
| Current 12 Month Normalized P/E Ratio - LTM | 10.9 |
| PER SHARE FIGURES |
| Tangible Book Value pS - LTM | 19.19 |
| Book Value pS - LTM | 19.19 |
| Capital Invested pS | 20.46 |
| Cash Flow pS - LTM | 1.08 |
| Free Cash Flow pS - LTM | 1.03 |
| Earnings pS (EPS) | 0.89 |
| | | | OPERATING RATIOS | | PROFITABILITY |
| Return on Equity (ROE) | 4.86 |
| Return on Equity (ROE) - 5YEAR AVRG. | 4.6 |
| Return on Capital Invested (ROCI) | 4.46 |
| Return on Capital Invested (ROCI) - 5YEAR AVRG. | 4.4 |
| Return on Assets (ROA) | 1.90 |
| Return on Assets (ROA) - 5YEAR AVRG. | 2.5 |
| EBIT Margin - LTM | 61.2 |
| EBITDA Margin - LTM | 63.4 |
| Pre-Tax Profit Margin | 67.76 |
| Pre-Tax Profit Margin - 5YEAR AVRG. | 71.43 |
| Net Profit Margin | 40.01 |
| Net Profit Margin - 5YEAR AVRG. | 43.82 |
| Effective Tax Rate | 35.43 |
| Effective Tax Rate - 5YEAR AVRG. | 37.49 |
| EFFICIENCY RATIOS |
| Revenue per Employee - LTM | 254,671 |
| Net Income per Employee - LTM | 70,710 |
| Assets/Revenue - LTM | 1,000.00 |
| Assets/Revenue - 5YEAR AVRG. | 1,710.98 |
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