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ZYBERNO

Stock Report

Updated Aug 13, 2026

CALIFORNIA FIRST NATIONAL BANCORP (CFNB)

Financial Services • Over The Counter

$33.95

Professional Investment Analysis

ZYBERNO SCORE →

Is it a great business? Is it getting better?

19.0/100

POOR BUSINESS

CALIFORNIA FIRST NATIONAL BANCORP (CFNB) scores 19/100 — concerning metrics indicating significant structural or financial risks.

📊 How is the Zyberno Score calculated? +

The Zyberno Score answers one question: "Is this a quality business worth owning?" It's a 0-100 investment grade that evaluates business fundamentals across four critical dimensions, based on principles from Warren Buffett, Benjamin Graham, Peter Lynch, and Charlie Munger.

The 4 Core Categories (25 points each):

1. PROFITABILITY (25 pts)

Metrics: ROE, ROIC, Net Margin, Operating Margin
Thresholds: ROE >20% excellent • ROIC >20% excellent • Net Margin >20% excellent • Operating Margin >25% excellent

2. FINANCIAL STRENGTH (25 pts)

Metrics: Debt-to-Equity, Current Ratio, Interest Coverage, Altman Z-Score
Thresholds: D/E <0.3 excellent • Current Ratio >2.5 excellent • Interest Coverage >10x excellent • Altman Z >3.0 safe

3. CASH FLOW QUALITY (25 pts)

Metrics: Free Cash Flow, OCF vs Net Income, FCF Margin
Thresholds: Positive & growing FCF excellent • OCF/NI >1.2x excellent (cash earnings exceed accounting)

4. GROWTH & CONSISTENCY (25 pts)

Metrics: Revenue Growth, Net Income Growth, FCF Growth, Piotroski F-Score
Thresholds: Growth via log-linear regression • Piotroski 8-9 excellent, 6-7 good

Score Interpretation:

75-100

GREAT BUSINESS

65-74

GOOD BUSINESS

50-64

AVERAGE BUSINESS

30-49

WEAK BUSINESS

0-29

POOR BUSINESS

→ View full CFNB quality analysis & detailed breakdown

VALUATION SIGNAL

N/A (Requires more data)

Requires fair value calculation and current price data

💰 How is Margin of Safety calculated? +

Margin of Safety measures how much discount or premium you're paying relative to a stock's intrinsic value. It's Benjamin Graham's core principle: the larger the margin, the lower your downside risk.

Formula: (Intrinsic Value − Current Price) ÷ Intrinsic Value × 100%

How We Calculate Intrinsic Value (DCF Method):

Step 1: Calculate current Owner Earnings (OCF − Maintenance CapEx)

Step 2: Calculate company-specific growth rate using log-linear regression on 16 quarters of Owner Earnings

Step 3: Project 10 years forward using the calculated growth rate

Step 4: Discount each year's cash flow to present value using 10% discount rate

Step 5: Calculate terminal value using 3% perpetual growth rate

Step 6: Sum all discounted cash flows = Intrinsic Value

What The Percentages Mean:

+50% or more

EXCELLENT — Very undervalued

+25% to +50%

GOOD — Attractive discount

0% to +25%

FAIR — Reasonable value

0% to -25%

CAUTION — Slight premium

-25% or worse

POOR — Overvalued

"Price is what you pay, value is what you get." — Warren Buffett

→ View full CFNB valuation analysis · → View full CFNB Brina Gap analysis

📈 How is Brina Gap calculated? +

Brina Gap measures the difference between the growth a business can fundamentally sustain and the growth the market is already pricing in.

Formula: Fundamental Growth Rate − Market-Implied Growth Rate

The Two Components:

Fundamental Growth Rate = ROIC × Reinvestment Rate

What the business can sustainably grow at based on how much it reinvests and what return it earns on that capital. Grounded in historical financials.

Market-Implied Growth Rate = Reverse DCF

The growth rate the current Enterprise Value implicitly assumes. Calculated by back-solving a 10-year DCF model (10% WACC, 3% terminal growth) until the present value of projected cash flows equals EV.

What The Gap Means:

Gap > +5% Market Underestimates — potential upside

+2% to +5% Slight Underestimate

-2% to +2% Fairly Priced — market consensus matches fundamentals

-5% to -2% Slight Overestimate

Gap < -5% Market Overestimates — price embeds optimism fundamentals don't support

A positive gap (market underestimates) combined with a positive Margin of Safety is the strongest combined signal — the business is both cheap historically and forward economics are stronger than the price suggests.

Critical Financial Health Indicators

Return on Equity (Profitability):POOR (6.4%)

Debt-to-Equity (Solvency Risk):EXCELLENT (0.05x)

Operating Margin (Operational Efficiency):CRITICAL (0.0%)

Return on Capital (Capital Efficiency):CRITICAL (0.0%)

📊 Valuation Trilogy

Three interconnected metrics for complete valuation analysis

Click any metric for full methodology and detailed analysis

Zyberno's Verdict

CALIFORNIA FIRST NATIONAL BANCORP (CFNB) stock report — Zyberno Score 19/100 (POOR BUSINESS). Full financial analysis on Zyberno.

DIVISION I: EXECUTIVE SUMMARY

A. Market Valuation

Market Price & Capitalization (2)

Current Price:33.95

Market Cap:$349.01M

Valuation Multiples (4)

P/E Ratio:

28.77x

📊 Click to view full CFNB P/E analysis →

P/B Ratio:1.80x

P/S Ratio:46.92x

Peg Ratio:0.46x

Enterprise Metrics (1)

Enterprise Value:$248.00M

Price Action & Momentum (1)

% of 52-Week High:2.0%

B. Profitability Assessment

Return Metrics (2)

ROE:

6.4%

📊 Click to view full CFNB ROE analysis →

ROA:1.4%

Margin Analysis (2)

Net Margin Ttm:137.4%

Ebitda Margin:-2.0%

TTM Performance (2)

Gross Margin Ttm:260.1%

Net Margin Ttm:137.4%

Yield Metrics (2)

Earnings Yield:$4.61

Dividend Yield:7.1%

C. Log-Linear Regression Growth Trends

Revenue Growth (Linear) (1)

Revenue Growth Rate (Linear):-6.5%

Earnings Growth (Linear) (1)

Net Income Growth Rate (Linear):3.1%

Cash Flow Growth (Linear) (1)

Operating Cash Flow Growth Rate (Linear):-22.5%

D. Financial Stability

Liquidity Ratios (3)

Current Ratio:0.17x

Quick Ratio:0.17x

Cash Ratio:0.17x

Leverage Analysis (3)

Debt To Equity Ttm:0.05x

Debt-to-Equity Ratio:0.05x

Debt To Ebitda:-999.00x

Coverage Ratios (2)

Interest Coverage Ratio:0.00x

Times Interest Earned:0.00

Capital Structure (4)

Working Capital:-530,142,000.00

Cash And Cash Equivalents:111,005,000.00

Long Term Debt:$0.00

Net Debt:-$101.01M

DIVISION II: FINANCIAL STATEMENTS ANALYSIS

A. Income Statement Analysis

Revenue Components (2)

Revenue TTM: $8.86M

Linear Growth: -6.5%

📊 Click to view full CFNB Revenue analysis & methodology →

Cost Of Revenue Ttm:$0.00

Profitability Breakdown (2)

Gross profit TTM: $23.05M

Linear Growth: -1.5%

📊 Click to view full CFNB Gross Profit analysis & methodology →

$0.00

Bottom Line Performance (3)

Net income TTM: $12.18M

Linear Growth: 3.1%

📊 Click to view full CFNB Net Income analysis & methodology →

Income Before Tax:$4.38M

Ebitda Ttm:-177,000.00

Operating Expenses (5)

Operating Expenses:2,697,000.00

R And D Expense:0.00

Sga Expense:0.00

Income Tax Expense:$1.87M

Interest Expense:5,305,000.00

Expense Ratios (3)

R And D To Revenue Percentage:0.0%

Sga To Revenue Percentage:0.0%

Ebitda Margin:-2.0%

B. Balance Sheet Analysis

Asset Composition (5)

Total Assets:$834.74M

Current Assets:$111.01M

Ppe Net:0.00

Goodwill:0.00

Intangible Assets:$0.00

Liability Structure (4)

Total Liabilities:641,147,000.00

Current Liabilities:641,147,000.00

Long Term Debt:$0.00

Short Term Debt:$10.00M

Equity & Capital (3)

Equity:$193.59M

Retained Earnings:$191.27M

Common Stock:103,000.00

Working Capital Items (3)

Accounts Receivable:1,304,000.00

Inventory:0.00

Accounts Payable:0.00

Special Items (2)

Contract Liabilities:0.00

Stock Based Compensation:1,100.00

C. Cash Flow Analysis

Operating Activities (2)

Operating cash flow TTM: $363.00K

Linear Growth: -22.5%

$0.00

Investment Activities (1)

Investing Cash Flow:$52.49M

Financing Activities (3)

Financing Cash Flow:-$51.01M

Dividends Paid Ttm:18,662,000.00

Stock Repurchase:2,360,000.00

Capital Transactions (3)

Common Stock Issuance:0.00

Long Term Debt Issuance:$0.00

Long Term Debt Repayments:$0.00

Non-Cash Items (1)

Depreciation Amortization Ttm:-179,000.00

DIVISION III: OPERATIONAL METRICS

A. Per Share Analysis

Earnings Per Share (3)

EPS (Basic TTM):1.18

Eps diluted TTM: $1.18

Linear Growth: 6.7%

📊 Click to view full CFNB EPS analysis & methodology →

Earnings Per Share Ttm:$1.08

Revenue & Cash Per Share (2)

Sales Per Share Ttm:0.72

Operating Cash Flow Per Share:$4.31

Book Value & Capital (2)

Book Value Per Share:$18.83

Cash Per Share:10.80

Dividend Policy (1)

Dividend Payout Ratio:38.84x

B. Operational Efficiency

Asset Utilization (2)

Asset Turnover Ttm:0.01x

Working Capital Turnover Ttm:-999.00x

Receivables Management (2)

Receivables Turnover Ttm:5.70x

Days Sales Outstanding Ttm:63.98

Inventory Management (2)

Inventory Turnover Ttm:-999.00x

Days Inventory Outstanding Ttm:-999.00

Payables & Cash Cycle (2)

Days Payable Outstanding:-999.00

Cash Conversion Cycle:63.98

C. Quality & Risk Metrics

Financial Quality Scores (2)

Financial Strength Score:60.00

Quality Score:135.00

Market Metrics (2)

Beta:0.00x

Volatility Category:unknown

DIVISION IV: INVESTMENT ANALYSIS

A. Value Investment Framework

B. Log-Linear Regression Growth Analysis

Growth Rates (Log-Linear Regression) (2)

Revenue Growth Rate (Linear):-6.5%

Net Income Growth Rate (Linear):3.1%

Cash Flow Growth Rates (1)

Operating Cash Flow Growth Rate (Linear):-22.5%

Other Growth Rates (2)

Gross Profit Growth Rate (Linear):-1.5%

Book Value Growth Rate (Linear):1.7%

C. Company Profile & Context

Corporate Information (6)

Symbol:CFNB

Company Name:CALIFORNIA FIRST NATIONAL BANCORP

Sector:Financial Services

Industry:Banking

Exchange:Over The Counter

Country:Unknown

Market Classification (3)

Market Cap Category:N/A

Price Category:medium

Volume Category:N/A

Share Structure (3)

Shares Outstanding:10.28M

Shares Outstanding Basic:10.28M

Shares Outstanding Diluted:10.28M

Data Processing Info (3)

Processing Version:v3.0

Last Updated:2026-08-13 13:40:30 UTC

Data Timestamp:2026-03-23T01:49:23.125202