California First Leasing (OTCMKTS:CFNB) versus CPB (NYSE:CPF) Financial Review

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

Institutional and Insider Ownership

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

Risk and Volatility

California First Leasing has a beta of 0.17, suggesting that its share price is 83% less volatile than the S&P 500. Comparatively, CPB has a beta of 0.99, suggesting that its share price is 1% less volatile than the S&P 500.

Analyst Ratings

This is a summary of current ratings and target prices for California First Leasing and CPB, as reported by MarketBeat.

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

CPB has a consensus price target of $34.50, suggesting a potential upside of 12.93%. Given CPB’s stronger consensus rating and higher possible upside, analysts plainly believe CPB is more favorable than California First Leasing.

Profitability

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

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

Valuation and Earnings

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

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
California First Leasing	N/A	N/A	N/A	N/A	N/A
CPB	$344.82 million	2.38	$53.41 million	$2.43	12.57

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 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.

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.