CommunityOne Bancorp (COB) versus California First National Bancorp (CFNB) Critical Survey

California First National Bancorp (OTCMKTS: CFNB) and CommunityOne Bancorp (NASDAQ:COB) are both small-cap finance companies, but which is the better investment? We will compare the two companies based on the strength of their earnings, valuation, institutional ownership, risk, profitability, analyst recommendations and dividends.

Dividends

California First National Bancorp pays an annual dividend of $0.48 per share and has a dividend yield of 3.1%. CommunityOne Bancorp does not pay a dividend. California First National Bancorp pays out 43.2% of its earnings in the form of a dividend.

Earnings & Valuation

This table compares California First National Bancorp and CommunityOne Bancorp’s gross revenue, earnings per share and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
California First National Bancorp $36.69 million 4.28 $11.12 million $1.11 13.75
CommunityOne Bancorp N/A N/A N/A $0.40 35.25

California First National Bancorp has higher revenue and earnings than CommunityOne Bancorp. California First National Bancorp is trading at a lower price-to-earnings ratio than CommunityOne Bancorp, indicating that it is currently the more affordable of the two stocks.

Insider & Institutional Ownership

2.8% of California First National Bancorp shares are owned by institutional investors. Comparatively, 65.8% of CommunityOne Bancorp shares are owned by institutional investors. 78.5% of California First National Bancorp shares are owned by insiders. Comparatively, 49.2% of CommunityOne Bancorp shares are owned by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock is poised for long-term growth.

Analyst Recommendations

This is a summary of current ratings and target prices for California First National Bancorp and CommunityOne Bancorp, as provided by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
California First National Bancorp 0 0 0 0 N/A
CommunityOne Bancorp 0 0 0 0 N/A

Profitability

This table compares California First National Bancorp and CommunityOne Bancorp’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
California First National Bancorp 32.09% 5.92% 1.41%
CommunityOne Bancorp 16.60% 5.49% 0.66%

Summary

California First National Bancorp beats CommunityOne Bancorp on 7 of the 10 factors compared between the two stocks.

About California First National Bancorp

California First National Bancorp is a bank holding company of California First National Bank (CalFirst Bank or the Bank) and leasing subsidiary, California First Leasing Corp (CalFirst Leasing). The primary business of the Company is secured financing provided through leasing and financing capital assets, commercial loans acquired through participation in the syndicated commercial loan market, by providing non-recourse loans to third parties secured by leases and equipment, and direct commercial loans. Its segments include CalFirst Bank and CalFirst Leasing. CalFirst Bank gathers deposits through posting rates on the Internet and conducts all banking and other operations from one central location. It provides leasing and financing to customers throughout the United States and across a range of industries and disciplines, including commercial, industrial and financial companies, as well as educational, government and non-profit entities.

About CommunityOne Bancorp

CommunityOne Bancorp (COB) is a bank holding company. The Company, through the ownership of CommunityOne Bank, N.A., or the Bank, a national banking association, offers consumer, mortgage and business banking services, including loan, deposit, treasury management, online and mobile banking services, as well as wealth management and trust services, to individual, and small and middle market businesses through financial centers located across central, southern and western North Carolina. The Bank operates over 40 branches. In addition to the Bank, the Company owns FNB United Statutory Trust I, FNB United Statutory Trust II, and Catawba Valley Capital Trust II, which were formed to facilitate the issuance of trust preferred securities. The Bank’s loans totaled approximately $1.54 billion. The Bank’s total investment securities totaled approximately $546.782 million. The Bank’s deposits totaled approximately $1.95 billion.

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