The historical rank and industry rank for California International Bank NA's EV-to-FCF or its related term are showing as below:
CAIB'
s EV-to-FCF Range Over the Past 10 Years
Min: -64.32 Med: 2.77 Max: 30.27
Current: -5.18
During the past 10 years, the highest EV-to-FCF of California International Bank NA was 30.27. The lowest was -64.32. And the median was 2.77.
CAIB's EV-to-FCF is ranked better than 85.44% of 1195
companies
in the Banks industry
Industry Median: 6.52
vs CAIB: -5.18
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
California International Bank NA (OTCPK:CAIB) EV-to-FCF Explanation
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
California International Bank NA's PE Ratio (TTM) for today is calculated as:
California International Bank NA's share price for today is $0.076.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. California International Bank NA's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was $0.006.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
California International Bank NA EV-to-FCF Related Terms
California International Bank NA EV-to-FCF 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.
For the Banks - Regional subindustry, California International Bank NA's EV-to-FCF, along with its competitors' market caps and EV-to-FCF 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 EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, California International Bank NA's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where California International Bank NA's EV-to-FCF falls into.
California International Bank NA's current Enterprise Value is $-9.35 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. California International Bank NA's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was $1.81 Mil.
* 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 EV-to-FCF of -5.18 as of Jun. 27, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on California International Bank NA and its competitors. According to the industry distribution chart, California International Bank NA ranks #174 out of 1195 companies in the Banks industry, placing it in the top 14.6%.
Is California International Bank NA's EV-to-FCF too high?
California International Bank NA's current EV-to-FCF is -5.18. Based on the distribution chart, California International Bank NA ranks #174 out of 1195 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 Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does California International Bank NA's EV-to-FCF compare to PFSB and APLO?
According to the Banks industry distribution chart, California International Bank NA ranks #174 out of 1195 companies for EV-to-FCF. This places California International Bank NA in the top 15% of its industry — outperforming the majority of peers. The industry median EV-to-FCF is 6.52. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 6.52, based on 1,195 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on California International Bank NA and its competitors. For the Banks industry, the median EV-to-FCF is 6.52 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. California International Bank NA's current EV-to-FCF is -5.18. 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 Significantly Undervalued. The stock's GF Value™ is $0.13, compared to a current price of $0.08 — trading 41.5% below its estimated fair value. The current EV-to-FCF is -5.18. 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 EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For California International Bank NA (CAIB), the current EV-to-FCF is -5.18 as of Jun. 27, 2026. 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 undervalued.
The current stock price of $0.08 is trading 41.5% below its estimated GF Value™ of $0.13.
GuruFocus considers California International Bank NA to be Significantly Undervalued.
Key valuation signals for CAIB:
EV-to-FCF: -5.18
GF Value™: $0.13 vs. price of $0.08 (41.5% below fair value)
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 Business Description
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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EV-to-FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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