CAIB (California International Bank NA) Retained Earnings: $-27.16 Mil (As of Dec. 2025)


What is California International Bank NA Retained Earnings?

California International Bank NA CAIB -41.54% Retained Earnings is $-27.16 Mil as of Dec. 2025.

Retained earnings is the accumulated portion of net income that is not distributed to shareholders. California International Bank NA's retained earnings for the quarter that ended in Dec. 2025 was $-27.16 Mil.

California International Bank NA's quarterly retained earnings increased from Dec. 2023 ($-28.19 Mil) to Dec. 2024 ($-28.17 Mil) and increased from Dec. 2024 ($-28.17 Mil) to Dec. 2025 ($-27.16 Mil).

California International Bank NA's annual retained earnings increased from Dec. 2023 ($-28.19 Mil) to Dec. 2024 ($-28.17 Mil) and increased from Dec. 2024 ($-28.17 Mil) to Dec. 2025 ($-27.16 Mil).

California International Bank NA  (OTCPK:CAIB) Retained Earnings Explanation

Historically profitable companies sometimes have negative retained earnings. This is because they have cumulatively paid out more to shareholders than they reported in profits.

For example, in 2011, Microsoft had negative retained earnings. This does not mean the company lost more money than it made over the years. It just means it paid out more money than it earned.

If a company has negative retained earnings, investors should check the 10-year financial results. They should not assume that negative retained earnings prove a company has generally lost money in the past.

Of course, many companies with negative retained earnings have indeed lost money in the past.

Retained Earnings: Warren Buffett's Secret.

One of the most important indicators of durable competitive advantage. Net earnings can be paid out as dividends, used to buy back shares or retained for growth.

If the company loses more than it has accumulated, retained earnings is negative.

If a company isn't adding to its retained earnings, it isn't growing its net worth.

Rate of growth of retained earnings is good indicator whether it's benefiting from a competitive advantage.

Microsoft is negative because it chose to buyback stock and pay dividends.

The more earnings retained, the faster it grows and increases growth rate for future earnings.

California International Bank NA Retained Earnings Historical Data

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The historical data trend for California International Bank NA's Retained Earnings can be seen below:

* 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 Retained Earnings Chart

California International Bank NA Annual Data
Trend Dec05 Dec06 Dec07 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Retained Earnings
Get a 7-Day Free Trial Premium Member Only Premium Member Only -28.10 -28.30 -28.19 -28.17 -27.16

California International Bank NA Semi-Annual Data
Dec05 Dec06 Dec07 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Retained Earnings Get a 7-Day Free Trial Premium Member Only Premium Member Only -28.10 -28.30 -28.19 -28.17 -27.16

California International Bank NA Retained Earnings Calculation

Retained Earnings is the accumulated portion of net income that is not distributed to shareholders. Because the net income was not distributed to shareholders, shareholders' equity is increased by the same amount.

Of course, if a company loses, it is called retained losses, or accumulated losses.

Frequently Asked Questions Learn more about Retained Earnings →
What does a Retained Earnings of $-27.16 Mil mean?
California International Bank NA (CAIB) has a Retained Earnings of $-27.16 Mil as of Dec. 2025. Retained earnings is the amount of net income not issued to shareholders. View historical data on California International Bank NA and its competitors.
Is California International Bank NA's Retained Earnings too high?
California International Bank NA's current Retained Earnings is $-27.16 Mil.
How does California International Bank NA's Retained Earnings compare to FNFI and GLBZ?
California International Bank NA's Retained Earnings of $-27.16 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Retained Earnings for a Banks company?
A good Retained Earnings depends on the Banks industry context. However, Retained Earnings 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 Retained Earnings mean?
A high Retained Earnings can signal that a stock is expensive relative to its fundamentals. Retained earnings is the amount of net income not issued to shareholders. View historical data on California International Bank NA and its competitors. California International Bank NA's current Retained Earnings is $-27.16 Mil. 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 Retained Earnings is $-27.16 Mil. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Retained Earnings calculated?
Retained Earnings is calculated from a company's financial statements. For California International Bank NA (CAIB), the current Retained Earnings is $-27.16 Mil 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

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.