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California International Bank NACAIB +93.16%47 Equity-to-Asset is 0.14 as of Dec. 2025, which is 30% below its 10-year median of 0.20. GuruFocus rates CAIB with a GF Score™ of 47/100 and a GF Value™ of $0.13 (Modestly Overvalued). Among 1,525 Banks companies, California International Bank NA ranks better than 83.28% on this metric.
The historical rank and industry rank for California International Bank NA's Equity-to-Asset or its related term are showing as below:
CAIB'
s Equity-to-Asset Range Over the Past 10 Years
Min: 0.13 Med: 0.2 Max: 0.31
Current: 0.14
During the past 10 years, the highest Equity to Asset Ratio of California International Bank NA was 0.31. The lowest was 0.13. And the median was 0.20.
CAIB's Equity-to-Asset is ranked better than 83.28% of 1525
companies
in the Banks industry
Industry Median: 0.1
vs CAIB: 0.14
California International Bank NA (OTCPK:CAIB) Equity-to-Asset Explanation
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
California International Bank NA Equity-to-Asset Related Terms
California International Bank NA Equity-to-Asset Historical Data
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
California International Bank NA Equity-to-Asset Chart
CAIB vs GTPS, MNBO, FBPI: Equity-to-Asset Comparison
For the Banks - Regional subindustry, California International Bank NA's Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
California International Bank NA Equity-to-Asset vs Banks Industry
For the Banks industry and Financial Services sector, California International Bank NA's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where California International Bank NA's Equity-to-Asset falls into.
California International Bank NA Equity-to-Asset Calculation
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
California International Bank NA (CAIB) has a Equity-to-Asset of 0.14 as of Dec. 2025. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on California International Bank NA and its competitors. This is 30% below median its historical median of 0.20. Over the past decade, California International Bank NA's Equity-to-Asset has ranged from 0.13 to 0.31. According to the industry distribution chart, California International Bank NA ranks #255 out of 1525 companies in the Banks industry, placing it in the top 16.7%.
Is California International Bank NA's Equity-to-Asset too high?
California International Bank NA's current Equity-to-Asset of 0.14 is 30% below median its 10-year median of 0.20. Over the past 10 years, this metric has ranged from a low of 0.13 to a high of 0.31. The Banks industry median Equity-to-Asset is 0.10. California International Bank NA's value of 0.14 is 40% above this industry median. Based on the distribution chart, California International Bank NA ranks #255 out of 1525 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, California International Bank NA has a GF Score™ of 47/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does California International Bank NA's Equity-to-Asset compare to GTPS and MNBO?
According to the Banks industry distribution chart, California International Bank NA ranks #255 out of 1525 companies for Equity-to-Asset. This places California International Bank NA in the top 17% of its industry — outperforming the majority of peers. The industry median Equity-to-Asset is 0.10. California International Bank NA's value of 0.14 is 40% above this benchmark. Historically, California International Bank NA's own Equity-to-Asset has ranged from 0.13 to 0.31 over the past decade. While the company's 10-year median is 0.20 vs. the industry median of 0.10, California International Bank NA has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Equity-to-Asset for a Banks company?
The median Equity-to-Asset among Banks companies is 0.10, based on 1,525 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. California International Bank NA's current Equity-to-Asset of 0.14 is 40% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on California International Bank NA and its competitors. For the Banks industry, the median Equity-to-Asset is 0.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. California International Bank NA's current Equity-to-Asset is 0.14, which is 30% below median its own 10-year median of 0.20. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is California International Bank NA stock overvalued right now?
Based on GuruFocus' analysis, California International Bank NA (CAIB) is currently considered Modestly Overvalued. The stock's GF Value™ is $0.13, compared to a current price of $0.15 — trading 12.9% above its estimated fair value. The current Equity-to-Asset is 0.14, which is 30% below median its 10-year median of 0.20 and 40% above the Banks industry median of 0.10. California International Bank NA's overall GF Score™ is 47/100. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For California International Bank NA (CAIB), the current Equity-to-Asset is 0.14 as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is California International Bank NA (CAIB) Overvalued in 2026?
Based on GuruFocus' analysis, California International Bank NA stock appears to be overvalued.
The current stock price of $0.15 is trading 12.9% above its estimated GF Value™ of $0.13.
GuruFocus considers California International Bank NA to be Modestly Overvalued.
Key valuation signals for CAIB:
Equity-to-Asset: 0.14 (30% below median its 10-year median of 0.20)
GF Value™: $0.13 vs. price of $0.15 (12.9% above fair value)
Industry Position: 40% above the Banks median (#255 of 1525)
No single metric tells the full story. See the CAIB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
California International Bank NA provides a variety of commercial banking services to individuals and small businesses located in Southern California. Its primary lending products are real estate and commercial loans. Its primary deposit products are non-interest-bearing deposits, money market accounts, and time certificates of deposit. The portfolio segments identified by the Bank include real estate and commercial loans.
47GF Score
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