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California First Leasing Corporation: Business Overview, Financials & Competitive Analysis

California First Leasing Corporation scores 6/10 on the AskCyborg Cyborg Score (Solid). Value-oriented closed-end vehicle trading at ~70% of NAV with optionality from potential consolidation. CFNB trades at substantial discount to net asset value with high-quality equity holdings and attractive valuation metrics. However, illiquidity (low trading volume), small market cap, and reliance on insider support limit upside potential and operational.

What is California First Leasing Corporation's industry? California First Leasing Corporation (calfirstlease.com) operates in Private Credit. AskCyborg classifies California First Leasing Corporation under Private Credit in its company registry.

California First Leasing Corporation is an internally managed non-diversified closed-end investment company registered under the Investment Company Act of 1940. The company engages in the provision of loans and lease ...

6/ 10Solid

Cyborg Score thesis

Value-oriented closed-end vehicle trading at ~70% of NAV with optionality from potential...

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Industry Private Credit
2 recent developments
11 analyst dimensions
Synthesized from analyst-debate stress-testing across 11 dimensions and hundreds of data points. Methodology →
Cyborg Score recalibrated: September 7, 2026
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What's in This Report
California First Leasing Corporation OverviewStrategic ProfileCompetitive LandscapeIndustry ContextKey facts
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California First Leasing Corporation Overview

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California First Leasing Corporation is an internally managed non-diversified closed-end investment company registered under the Investment Company Act of 1940. The company engages in the provision of loans and lease financing for universities, businesses, other commercial or non-profit organizations, healthcare, and state and local municipalities.

Strategic Profile

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CFNB operates as a de facto family office, with insiders nearing 90% ownership and pursuing steps to consolidate control. The portfolio is a diversified, easily liquidated mix of large-cap equities, including Microsoft, Apple, and Nvidia at significant discounts.

Competitive Landscape

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CFNB operates in a niche segment as a closed-end investment company focused on lease financing and equity investments. Direct comparatives are limited; closest analogs would be other specialty finance and closed-end investment vehicles, though none directly replicate CFNB's dual model of leasing operations and equity portfolio management.

Industry Context

California First Leasing Corporation operates in Private Credit.

Key facts

Founded: 1977 · Headquarters: Newport Beach, CA, US · Employees: 13 · Market cap: $251M

What the analysts stress-tested

The top findings that survived the multi-agent debate for California First Leasing Corporation.

  • CFNB trades at approximately 70% of NAV with highly liquid assets
  • The company changed its name from California First National Bancorp to California First Leasing Corporation in February 2021
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Recent developments

Material events tracked by the AskCyborg corpus.

  • December 2025Analysis highlighted 42% upside potential and portfolio composition of major tech holdings
  • February 2021Name change from California First National Bancorp to California First Leasing Corporation
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Industry context

California First Leasing Corporation operates in Private Credit. See how the rest of the sector scores on the Cyborg framework.

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Frequently asked questions

What does California First Leasing Corporation do?+
California First Leasing Corporation is an internally managed non-diversified closed-end investment company registered under the Investment Company Act of 1940. The company engages in the provision of loans and lease ...
What is California First Leasing Corporation's Cyborg Score?+
California First Leasing Corporation has a Cyborg Score of 6/10 (Solid). The score synthesizes business model, financials, leadership, competitive position, technology, marketing, and ESG dimensions across hundreds of data points.
Who are California First Leasing Corporation's main competitors?+
The full competitive landscape for California First Leasing Corporation is in the AskCyborg report.
How can I get the full California First Leasing Corporation research report?+
Get the report plus analyst-debate audio at askcyborg.com -- no credit card required for preview access. Pro adds saved-company audio playlists and monitoring.
How current is the California First Leasing Corporation research?+
The Cyborg Score is recalibrated weekly. Recent developments are tracked continuously and surfaced in every report.

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