CAIB (California International Bank NA) Moat Score: 2/10 (As of Aug. 08, 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

CAIB California International Bank NA CAIB
45 GF Score
Price $0.15
GF Value $0.13
Valuation Modestly Overvalued
View Full Analysis

What is California International Bank NA Moat Score?

California International Bank NA CAIB +93.16% 45 Moat Score is 2 as of Aug. 08, 2026. GuruFocus rates CAIB with a GF Score™ of 45/100 and a GF Value™ of $0.13 (Modestly Overvalued). Among 1,608 Banks companies, California International Bank NA ranks better than 60.07% 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 GTPS, MNBO, FBPI: 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.


CAIB
45GF Score
California International Bank NA CAIB
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis
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 Aug. 08, 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 #642 out of 1608 companies in the Banks industry, placing it in the top 39.9%.
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 #642 out of 1608 companies in the Banks industry, which is above the industry midpoint. Overall, California International Bank NA has a GF Score™ of 45/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does California International Bank NA's Moat Score compare to GTPS and MNBO?
According to the Banks industry distribution chart, California International Bank NA ranks #642 out of 1608 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 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 Moat Score is 2. California International Bank NA's overall GF Score™ is 45/100. 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 Aug. 08, 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 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:

  • Moat Score: 2
  • GF Value™: $0.13 vs. price of $0.15 (12.9% above fair value)
  • GF Score™: 45/100

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

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.
45GF Score

Get the complete analysis for CAIB

Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$0.15
Price
$0.13
GF Value