The historical rank and industry rank for California International Bank NA's Net Margin % or its related term are showing as below:
CAIB'
s Net Margin % Range Over the Past 10 Years
Min: -891.67 Med: -23.46 Max: 17.05
Current: 17.05
CAIB's Net Margin % is ranked worse than 77.98% of 1526
companies
in the Banks industry
Industry Median: 26.97
vs CAIB: 17.05
California International Bank NA (OTCPK:CAIB) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
California International Bank NA Net Margin % Related Terms
California International Bank NA Net Margin % 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 Net Margin % Chart
For the Banks - Regional subindustry, California International Bank NA's Net Margin %, along with its competitors' market caps and Net Margin % 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 Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, California International Bank NA's Net Margin % distribution charts can be found below:
* The bar in red indicates where California International Bank NA's Net Margin % falls into.
* 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 Net Margin % of 17.04% as of Dec. 2025. Net margin is the ratio of total net income to net sales. View historical data on California International Bank NA and its competitors. According to the industry distribution chart, California International Bank NA ranks #1190 out of 1526 companies in the Banks industry, placing it in the top 78%.
Is California International Bank NA's Net Margin % too high?
California International Bank NA's current Net Margin % is 17.04%. The Banks industry median Net Margin % is 26.97. California International Bank NA's value of 17.04% is 36.8% below this industry median. Based on the distribution chart, California International Bank NA ranks #1190 out of 1526 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, California International Bank NA has a GF Score™ of 47/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does California International Bank NA's Net Margin % compare to PFSB and APLO?
According to the Banks industry distribution chart, California International Bank NA ranks #1190 out of 1526 companies for Net Margin %. This places California International Bank NA in the lower half of its industry. The industry median Net Margin % is 26.97. California International Bank NA's value of 17.04% is 36.8% below this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 26.97, based on 1,526 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. California International Bank NA's current Net Margin % of 17.04% is 36.8% below 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on California International Bank NA and its competitors. For the Banks industry, the median Net Margin % is 26.97 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. California International Bank NA's current Net Margin % is 17.04%. 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 Fairly Valued. The stock's GF Value™ is $0.13, compared to a current price of $0.13 — trading right at its estimated fair value. The current Net Margin % is 17.04% and 36.8% below the Banks industry median of 26.97. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For California International Bank NA (CAIB), the current Net Margin % is 17.04% 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 undervalued.
The current stock price of $0.13 is trading 0% below its estimated GF Value™ of $0.13.
GuruFocus considers California International Bank NA to be Fairly Valued.
Key valuation signals for CAIB:
Net Margin %: 17.04%
GF Value™: $0.13 vs. price of $0.13 (0% below fair value)
Industry Position: 36.8% below the Banks median (#1190 of 1526)
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
Get the complete analysis for CAIB
Net Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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