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Liabilities-to-Assets is a solvency ratio indicating how much of the company’s assets are made of liabilities, calculated as total liabilities divided by total asset. California International Bank NA's Total Liabilities for the quarter that ended in Dec. 2025 was $78.02 Mil. California International Bank NA's Total Assets for the quarter that ended in Dec. 2025 was $90.90 Mil.
Therefore, California International Bank NA's Liabilities-to-Assets Ratio for the quarter that ended in Dec. 2025 was 0.86.
California International Bank NA (OTCPK:CAIB) Liabilities-to-Assets Explanation
Liabilities-to-Assets is a solvency ratio indicating how much of the company’s assets are made of liabilities. It can vary greatly across different industries, as they have different capital structure. A high Liabilities-to-Assets ratio (more leveraged) suggests that the company might have potential solvency problems, or even a signal of financial distress. Conversely, a low Liabilities-to-Assets ratio usually indicates a healthy financial situation. However, it may also suggest that the company is not expanding or not making good use of debt.
California International Bank NA Liabilities-to-Assets Related Terms
California International Bank NA Liabilities-to-Assets 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 Liabilities-to-Assets Chart
CAIB vs GTPS, MNBO, FBPI: Liabilities-to-Assets Comparison
For the Banks - Regional subindustry, California International Bank NA's Liabilities-to-Assets, along with its competitors' market caps and Liabilities-to-Assets 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 Liabilities-to-Assets vs Banks Industry
For the Banks industry and Financial Services sector, California International Bank NA's Liabilities-to-Assets distribution charts can be found below:
* The bar in red indicates where California International Bank NA's Liabilities-to-Assets falls into.
California International Bank NA Liabilities-to-Assets Calculation
Liabilities-to-Assets ratio measures the portion of the total liabilities to the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Liabilities-to-Assets ratio is calculated by dividing total liabilities 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 Liabilities-to-Assets of 0.86 as of Dec. 2025. Liabilities-to-Assets equals total liabilities divided by total assets. It measures financial leverage. View historical data on California International Bank NA and its competitors.
Is California International Bank NA's Liabilities-to-Assets too high?
California International Bank NA's current Liabilities-to-Assets is 0.86. Overall, California International Bank NA has a GF Score™ of 48/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does California International Bank NA's Liabilities-to-Assets compare to GTPS and MNBO?
California International Bank NA's Liabilities-to-Assets of 0.86 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Liabilities-to-Assets for a Banks company?
A good Liabilities-to-Assets depends on the Banks industry context. However, Liabilities-to-Assets 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 Liabilities-to-Assets mean?
A high Liabilities-to-Assets can signal that a stock is expensive relative to its fundamentals. Liabilities-to-Assets equals total liabilities divided by total assets. It measures financial leverage. View historical data on California International Bank NA and its competitors. California International Bank NA's current Liabilities-to-Assets is 0.86. 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 Liabilities-to-Assets is 0.86. California International Bank NA's overall GF Score™ is 48/100. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Liabilities-to-Assets calculated?
Liabilities-to-Assets is calculated from a company's financial statements. For California International Bank NA (CAIB), the current Liabilities-to-Assets is 0.86 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:
Liabilities-to-Assets: 0.86
GF Value™: $0.13 vs. price of $0.15 (12.9% above 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 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.
48GF Score
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Liabilities-to-Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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