Contrasting CPB (NYSE:CPF) & California First Leasing (OTCMKTS:CFNB)

CPB (NYSE:CPF) and California First Leasing (OTCMKTS:CFNB) are both small-cap finance companies, but which is the better business? We will compare the two companies based on the strength of their profitability, risk, institutional ownership, earnings, valuation, dividends and analyst recommendations.

Analyst Ratings

This is a breakdown of recent ratings and target prices for CPB and California First Leasing, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
CPB	0	1	2	0	2.67
California First Leasing	0	0	0	0	0.00

CPB currently has a consensus price target of $34.50, indicating a potential upside of 12.27%. Given CPB’s stronger consensus rating and higher probable upside, equities research analysts plainly believe CPB is more favorable than California First Leasing.

Institutional and Insider Ownership

88.4% of CPB shares are owned by institutional investors. Comparatively, 6.5% of California First Leasing shares are owned by institutional investors. 2.4% of CPB shares are owned by company insiders. Comparatively, 86.2% of California First Leasing shares are owned by company insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company is poised for long-term growth.

Profitability

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

	Net Margins	Return on Equity	Return on Assets
CPB	18.66%	13.28%	1.01%
California First Leasing	N/A	N/A	N/A

Volatility and Risk

CPB has a beta of 0.98, suggesting that its stock price is 2% less volatile than the S&P 500. Comparatively, California First Leasing has a beta of 0.17, suggesting that its stock price is 83% less volatile than the S&P 500.

Valuation & Earnings

This table compares CPB and California First Leasing”s gross revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
CPB	$344.82 million	2.39	$53.41 million	$2.43	12.65
California First Leasing	N/A	N/A	N/A	N/A	N/A

CPB has higher revenue and earnings than California First Leasing.

Summary

CPB beats California First Leasing on 9 of the 10 factors compared between the two stocks.

About CPB

Central Pacific Financial Corp. operates as the bank holding company for Central Pacific Bank that provides a range of commercial banking products and services to businesses, professionals, and individuals in the United States. It offers various deposit products and services, including checking, savings and time deposits, cash management and digital banking, trust, and retail brokerage services, as well as money market accounts and certificates of deposit. The company also provides various lending activities, such as commercial, commercial and residential mortgage, home equity, and consumer loans; and other products and services comprising debit cards, internet and mobile banking, cash management services, full-service ATMs, safe deposit boxes, international banking services, night depository facilities, foreign exchange, and wire transfers. In addition, it offers wealth management products and services that include non-deposit investment products, annuities, insurance, investment management, asset custody and general consultation, and planning services. The company was founded in 1954 and is headquartered in Honolulu, Hawaii.

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.