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California International Bank NACAIB -41.54% Owner Earnings per Share (TTM) is 0.01 as of Dec. 2025, which is 100% below its 10-year median of 71.00. Among 1,040 Banks companies, California International Bank NA ranks worse than 62.4% on this metric.
"These represent (a) reported earnings plus (b) depreciation, depletion, amortization, and certain other non-cash charges...less (c) the average annual amount of capitalized expenditures for plant and equipment, etc. that the business requires to fully maintain its long-term competitive position and its unit volume (If the business requires additional working capital to maintain its competitive position and unit volume, the increment also should be included in (c))...Our owner-earnings equation does not yield the deceptively precise figures provided by GAAP, since (c) must be a guess - and one sometimes very difficult to make. Despite this problem, we consider the owner earnings figure, not the GAAP figure, to be the relevant item for valuation purposes - both for investors in buying stocks and for managers in buying entire businesses...All of this points up the absurdity of the 'cash flow' numbers that are often set forth in Wall Street reports. These numbers routinely include (a) plus (b) - but do not subtract (c)."
California International Bank NA's Owner Earnings per Share (TTM) ended in Dec. 2025 was $0.01. It's Price-to-Owner-Earnings ratio for today is 7.6.
The historical rank and industry rank for California International Bank NA's Owner Earnings per Share (TTM) or its related term are showing as below:
CAIB'
s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 11.83 Med: 71 Max: 100
Current: 12.67
Assumption: Companies usually do not report maintenance capital expenditures and growth capital expenditures separately. Here we use estimated numbers and average them over 5 years. The method to estimate maintenance capital expenditures can be found in above part 4.
Note: GuruFocus' Change In Working Capital is provided by Morningstar. It is calculated by adding the items under "Change in operating assets and liabilities" (may refer to a different name for different company) section in Cash Flow Statement from original financial report. And it includes non-current parts of assets and liabilities.
California International Bank NA Owner Earnings per Share (TTM) Related Terms
California International Bank NA Owner Earnings per Share (TTM) 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 Owner Earnings per Share (TTM) Chart
CAIB vs FNFI, GLBZ, ASCN: Owner Earnings per Share (TTM) Comparison
For the Banks - Regional subindustry, California International Bank NA's Price-to-Owner-Earnings, along with its competitors' market caps and Price-to-Owner-Earnings 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 Price-to-Owner-Earnings vs Banks Industry
For the Banks industry and Financial Services sector, California International Bank NA's Price-to-Owner-Earnings distribution charts can be found below:
* The bar in red indicates where California International Bank NA's Price-to-Owner-Earnings falls into.
"These represent (a) reported earnings plus (b) depreciation, depletion, amortization, and certain other non-cash charges...less (c) the average annual amount of capitalized expenditures for plant and equipment, etc. that the business requires to fully maintain its long-term competitive position and its unit volume. (If the business requires additional working capital to maintain its competitive position and unit volume, the increment also should be included in (c))...Our owner-earnings equation does not yield the deceptively precise figures provided by GAAP, since (c) must be a guess - and one sometimes very difficult to make. Despite this problem, we consider the owner earnings figure, not the GAAP figure, to be the relevant item for valuation purposes - both for investors in buying stocks and for managers in buying entire businesses...All of this points up the absurdity of the 'cash flow' numbers that are often set forth in Wall Street reports. These numbers routinely include (a) plus (b) - but do not subtract (c)."
3. Other non-cash charges usually include "Stock Based Compensation" and "Change In Deferred Tax":
However, to be conservative, GuruFocus will not add Stock Based Compensation back to net income.
California International Bank NA's Change In Deferred Tax for the trailing twelve months (TTM) ended in Dec. 2025 was $0.00 Mil.
4. Average maintenance capital expenditure over a business/industry cycle: 5-Year Average Maintenance Capital Expenditure = $0.02 Mil
It is usually best to take a long-term average of maintenance capital expenditure. Ideally this would be as long as 10 years and include at least one economic downturn. However, since many companies do not have as long as 10-year history, here GuruFocus uses the latest 5 years data to do the calculation. To smooth out unusual years but reflect recent developments, we take an average of the 5 year maintenance capital expenditure.
The following shows how to get maintenance capital expenditure.
First, calculate the revenue change regarding to the previous year. If the revenue decreased from the previous year, then the Maintenance Capital Expenditure = Capital Expenditure (positive).
Second, if the revenue increased from the previous year, then calculate the percentage of Net PPE as of corresponding Revenue.
Growth Capital Expenditure = Percentage of Property, Plant and Equipment as of corresponding Revenue * Revenue Increase
Third, calculate Capital Expenditure (positive) - Growth Capital Expenditure.
If [Capital Expenditure (positive) - Growth Capital Expenditure] was negative, then the Maintenance Capital Expenditure = Capital Expenditure (positive).
If [Capital Expenditure (positive) - Growth Capital Expenditure] was positive, then the Maintenance Capital Expenditure = Capital Expenditure (positive) - Growth Capital Expenditure.
Fourth, get the average of the 5 years maintenance capital expenditure.
California International Bank NA's 5-Year Average Maintenance Capital Expenditure = $0.02 Mil
5. "Change In Working Capital" is from cashflow statement. California International Bank NA's Change In Working Capital for the trailing twelve months (TTM) ended in Dec. 2025 was $0.00 Mil.
Note: GuruFocus' Change in Working Capital is provided by Morningstar. It is calculated by adding the items under "Change in operating assets and liabilities" (may refer to a different name for different company) section in Cash Flow Statement from original financial report. And sometimes it includes non-current parts of assets and liabilities.
* 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.
What does a Owner Earnings per Share (TTM) of 0.01 mean?
California International Bank NA (CAIB) has a Owner Earnings per Share (TTM) of 0.01 as of Dec. 2025. Warren Buffett defined owner earnings as reported earnings plus depreciation less average maintenance capital expenditure. View historical data on California International Bank NA. This is 100% below median its historical median of 71.00. Over the past decade, California International Bank NA's Owner Earnings per Share (TTM) has ranged from 11.83 to 100.00. According to the industry distribution chart, California International Bank NA ranks #649 out of 1040 companies in the Banks industry, placing it in the top 62.4%.
Is California International Bank NA's Owner Earnings per Share (TTM) too high?
California International Bank NA's current Owner Earnings per Share (TTM) of 0.01 is 100% below median its 10-year median of 71.00. Over the past 10 years, this metric has ranged from a low of 11.83 to a high of 100.00. The Banks industry median Owner Earnings per Share (TTM) is 10.39. California International Bank NA's value of 0.01 is 99.9% below this industry median. Based on the distribution chart, California International Bank NA ranks #649 out of 1040 companies in the Banks industry, which is below the industry midpoint.
How does California International Bank NA's Owner Earnings per Share (TTM) compare to FNFI and GLBZ?
According to the Banks industry distribution chart, California International Bank NA ranks #649 out of 1040 companies for Owner Earnings per Share (TTM). This places California International Bank NA in the lower half of its industry. The industry median Owner Earnings per Share (TTM) is 10.39. California International Bank NA's value of 0.01 is 99.9% below this benchmark. Historically, California International Bank NA's own Owner Earnings per Share (TTM) has ranged from 11.83 to 100.00 over the past decade. While the company's 10-year median is 71.00 vs. the industry median of 10.39, California International Bank NA has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Owner Earnings per Share (TTM) for a Banks company?
The median Owner Earnings per Share (TTM) among Banks companies is 10.39, based on 1,040 companies in the industry. Companies in the top quartile (top 25%) have a Owner Earnings per Share (TTM) significantly above this median, while those in the bottom quartile fall well below. However, Owner Earnings per Share (TTM) should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. California International Bank NA's current Owner Earnings per Share (TTM) of 0.01 is 99.9% 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 Owner Earnings per Share (TTM) mean?
A high Owner Earnings per Share (TTM) can signal that a stock is expensive relative to its fundamentals. Warren Buffett defined owner earnings as reported earnings plus depreciation less average maintenance capital expenditure. View historical data on California International Bank NA. For the Banks industry, the median Owner Earnings per Share (TTM) is 10.39 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. California International Bank NA's current Owner Earnings per Share (TTM) is 0.01, which is 100% below median its own 10-year median of 71.00. 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 Owner Earnings per Share (TTM) is 0.01, which is 100% below median its 10-year median of 71.00 and 99.9% below the Banks industry median of 10.39. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Owner Earnings per Share (TTM) calculated?
Owner Earnings per Share (TTM) is calculated from a company's financial statements. For California International Bank NA (CAIB), the current Owner Earnings per Share (TTM) is 0.01 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.
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.
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