CALIFORNIA FIRST LEASING CORP (CFNB)
National Commercial Banks · Financial Services · $349M
Intrinsic Value (Consensus)
$17.87
Current Price
$33.95
Margin of Safety
-47.4%
47.4% Above Intrinsic Value
Value: $18
Price: $34
Valuation Model Estimates
Current Price: $33.95
DCF (Discounted Cash Flow)
$171.82
Graham Number
$21.53
Earnings Power Value
$10.49
Relative Value (P/E)
$21.60
Dividend Discount Model
$153.33
Consensus Value
$17.87
Model Assumptions
Discount Rate
10.3%
Growth Rate
20.0%
Terminal Growth
2.5%
Risk-Free Rate
4.3%
Discount rate derived from CAPM (risk-free rate + beta × market risk premium). Growth rate based on trailing earnings growth, capped at 20%.
Health Score
D
49
Profitability
15/25
Strength
17/25
Valuation
7/25
Growth
10/25
Financial Health Signals
Strong earnings growth (20% YoY)
High free cash flow yield (10.8%) — generating lots of cash relative to price
Key Financials
- EPS (TTM)
- $1.08
- EPS (Forward)
- $1.30
- Book Value
- $19.07
- P/E Ratio
- 20.0
- Forward P/E
- 16.7
- PEG Ratio
- —
- ROE
- 5.7%
- Debt/Equity
- —
- Revenue Growth
- N/A
- Earnings Growth
- 20.0%
- Dividend Yield
- 2.1%
- Beta
- 1.00
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Data last updated: 2026-06-21
Source: Yahoo Finance