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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.
California International Bank NA has the Financial Strength Rank of 6.
GuruFocus Financial Strength Rank measures how strong a company's financial situation is. It is rated on a scale of 1 to 10 and is based on these factors:
1. The debt burden that the company has as measured by its Interest Coverage (current year). The higher, the better.
2. Debt to revenue ratio. The lower, the better.
3. Altman Z-Score.
4. Other debt related ratios.
A higher score indicates a stronger financial position, with companies rated 7 or above considered financially stable and unlikely to face distress. Conversely, a score of 3 or below suggests potential financial difficulties, indicating a higher risk of distress.
GuruFocus does not calculate California International Bank NA's interest coverage with the available data.
California International Bank NA's debt to revenue ratio for the quarter that ended in Dec. 2025 was 0.00.
Altman Z-Score does not apply to banks and insurance companies.
California International Bank NA (OTCPK:CAIB) Financial Strength Explanation
The rank is rated on a scale of 1 to 10. A higher score indicates a stronger financial position, with companies rated 7 or above considered financially stable and unlikely to face distress. Conversely, a score of 3 or below suggests potential financial difficulties, indicating a higher risk of distress.
California International Bank NA has the Financial Strength Rank of 6.
California International Bank NA Financial Strength Related Terms
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income (EBIT) by its Interest Expense:
Z-Score model is an accurate forecaster of failure up to two years prior to distress. It can be considered the assessment of the distress of industrial corporations.
The zones of discrimination were as such:
When Z-Score is less than 1.81, it is in Distress Zones.
When Z-Score is greater than 2.99, it is in Safe Zones.
When Z-Score is between 1.81 and 2.99, it is in Grey Zones.
Altman Z-Score does not apply to banks and insurance companies.
* 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 Financial Strength of 6 as of Dec. 2025. The financial strength rank measures the strength of a company's balance sheet based on revenue and debt. View historical data on California International Bank NA and its competitors. This is near median its historical median of 6.00. Over the past decade, California International Bank NA's Financial Strength has ranged from 6.00 to 6.00.
Is California International Bank NA's Financial Strength too high?
California International Bank NA's current Financial Strength of 6 is near median its 10-year median of 6.00. Over the past 10 years, this metric has ranged from a low of 6.00 to a high of 6.00. Overall, California International Bank NA has a GF Score™ of 44/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does California International Bank NA's Financial Strength compare to GTPS and MNBO?
California International Bank NA's Financial Strength of 6 can be compared against companies in the Banks industry. Historically, California International Bank NA's own Financial Strength has ranged from 6.00 to 6.00 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Financial Strength for a Banks company?
A good Financial Strength depends on the Banks industry context. However, Financial Strength 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 Financial Strength mean?
A high Financial Strength can signal that a stock is expensive relative to its fundamentals. The financial strength rank measures the strength of a company's balance sheet based on revenue and debt. View historical data on California International Bank NA and its competitors. California International Bank NA's current Financial Strength is 6, which is near median its own 10-year median of 6.00. 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 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 Financial Strength is 6, which is near median its 10-year median of 6.00. California International Bank NA's overall GF Score™ is 44/100. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Financial Strength calculated?
Financial Strength is calculated from a company's financial statements. For California International Bank NA (CAIB), the current Financial Strength is 6 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 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:
Financial Strength: 6 (near median its 10-year median of 6.00)
GF Value™: $0.13 vs. price of $0.15 (12.9% above fair value)
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 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.
44GF Score
Get the complete analysis for CAIB
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