CAIB (California International Bank NA) Moat Score: 2/10 (As of Jun. 28, 2026)


What is California International Bank NA Moat Score?

California International Bank NA CAIB -41.54% Moat Score is 2 as of Jun. 28, 2026. Among 1,614 Banks companies, California International Bank NA ranks better than 59.85% on this metric.

California International Bank NA has the Moat Score of 2, which implies that the company might have No Moat - Very weak/transient advantages.

California International Bank NA has No Moat: California International Bank has very weak competitive advantages. It operates in a highly competitive banking sector with minimal differentiation, lacking significant brand strength, cost advantages, or regulatory barriers.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes California International Bank NA might have No Moat - Very weak/transient advantages.

California International Bank NA  (OTCPK:CAIB) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

California International Bank NA Moat Score Related Terms

CAIB vs PFSB, APLO, ELMA: Moat Score Comparison

For the Banks - Regional subindustry, California International Bank NA's Moat Score, along with its competitors' market caps and Moat Score 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 Moat Score vs Banks Industry

For the Banks industry and Financial Services sector, California International Bank NA's Moat Score distribution charts can be found below:

* The bar in red indicates where California International Bank NA's Moat Score falls into.


Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 2 mean?
California International Bank NA (CAIB) has a Moat Score of 2 as of Jun. 28, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, California International Bank NA ranks #648 out of 1614 companies in the Banks industry, placing it in the top 40.1%.
Is California International Bank NA's Moat Score too high?
California International Bank NA's current Moat Score is 2. Based on the distribution chart, California International Bank NA ranks #648 out of 1614 companies in the Banks industry, which is above the industry midpoint.
How does California International Bank NA's Moat Score compare to PFSB and APLO?
According to the Banks industry distribution chart, California International Bank NA ranks #648 out of 1614 companies for Moat Score. This puts California International Bank NA in the upper half of its industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score 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 Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. California International Bank NA's current Moat Score is 2. 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 Moat Score is 2. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Moat Score calculated?
Moat Score is calculated from a company's financial statements. For California International Bank NA (CAIB), the current Moat Score is 2 as of Jun. 28, 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.

California International Bank NA Business Description

Address 15606 Brookhurst Street, Suite No. C - D, Westminster, CA, USA, 92683
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.