What is California International Bank NA PB Ratio?
California International Bank NACAIB -41.54%47 PB Ratio is 1.00 as of Jun. 27, 2026, which is 16% below its 10-year median of 1.19. GuruFocus rates CAIB with a GF Score™ of 47/100 and a GF Value™ of $0.13 (Significantly Undervalued). Among 1,516 Banks companies, California International Bank NA ranks worse than 82.78% on this metric.
CAIB'
s PB Ratio Range Over the Past 10 Years
Min: 0.47 Med: 1.19 Max: 2.5
Current: 0.95
During the past 10 years, California International Bank NA's highest PB Ratio was 2.50. The lowest was 0.47. And the median was 1.19.
CAIB's PB Ratio is ranked worse than 82.78% of 1516
companies
in the Banks industry
Industry Median: 1.09
vs CAIB: 0.95
During the past 12 months, California International Bank NA's average Book Value Per Share Growth Rate was 13.40% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 4.80% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 1.40% per year.
During the past 10 years, the highest 3-Year average Book Value Per Share Growth Rate of California International Bank NA was 4.80% per year. The lowest was -79.80% per year. And the median was -5.00% per year.
Back to Basics: PB Ratio
California International Bank NA (OTCPK:CAIB) PB Ratio Explanation
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
California International Bank NA PB Ratio Related Terms
California International Bank NA PB Ratio 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.
For the Banks - Regional subindustry, California International Bank NA's PB Ratio, along with its competitors' market caps and PB Ratio 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 PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, California International Bank NA's PB Ratio distribution charts can be found below:
* The bar in red indicates where California International Bank NA's PB Ratio falls into.
California International Bank NA PB Ratio Calculation
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
California International Bank NA (CAIB) has a PB Ratio of 1.00 as of Jun. 27, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on California International Bank NA and its competitors. This is 16% below median its historical median of 1.19. Over the past decade, California International Bank NA's PB Ratio has ranged from 0.47 to 2.50. According to the industry distribution chart, California International Bank NA ranks #1255 out of 1516 companies in the Banks industry, placing it in the top 82.8%.
Is California International Bank NA's PB Ratio too high?
California International Bank NA's current PB Ratio of 1.00 is 16% below median its 10-year median of 1.19. Over the past 10 years, this metric has ranged from a low of 0.47 to a high of 2.50. The Banks industry median PB Ratio is 1.09. California International Bank NA's value of 1.00 is 8.3% below this industry median. Based on the distribution chart, California International Bank NA ranks #1255 out of 1516 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 Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does California International Bank NA's PB Ratio compare to PFSB and APLO?
According to the Banks industry distribution chart, California International Bank NA ranks #1255 out of 1516 companies for PB Ratio. This places California International Bank NA in the lower half of its industry. The industry median PB Ratio is 1.09. California International Bank NA's value of 1.00 is 8.3% below this benchmark. Historically, California International Bank NA's own PB Ratio has ranged from 0.47 to 2.50 over the past decade. While the company's 10-year median is 1.19 vs. the industry median of 1.09, 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 PB Ratio for a Banks company?
The median PB Ratio among Banks companies is 1.09, based on 1,516 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. California International Bank NA's current PB Ratio of 1.00 is 8.3% 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on California International Bank NA and its competitors. For the Banks industry, the median PB Ratio is 1.09 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. California International Bank NA's current PB Ratio is 1.00, which is 16% below median its own 10-year median of 1.19. 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 PB Ratio is 1.00, which is 16% below median its 10-year median of 1.19 and 8.3% below the Banks industry median of 1.09. 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 PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For California International Bank NA (CAIB), the current PB Ratio is 1.00 as of Jun. 27, 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 undervalued.
The current stock price of $0.08 is trading 41.5% below its estimated GF Value™ of $0.13.
GuruFocus considers California International Bank NA to be Significantly Undervalued.
Key valuation signals for CAIB:
PB Ratio: 1.00 (16% below median its 10-year median of 1.19)
GF Value™: $0.13 vs. price of $0.08 (41.5% below fair value)
Industry Position: 8.3% below the Banks median (#1255 of 1516)
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
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