California International Bank NACAIB -41.54% Return-on-Tangible-Equity is 8.36% as of Dec. 2025. Among 1,523 Banks companies, California International Bank NA ranks worse than 66.71% on this metric.
The historical rank and industry rank for California International Bank NA's Return-on-Tangible-Equity or its related term are showing as below:
CAIB'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: -11.28 Med: -2.25 Max: 8.36
Current: 8.36
During the past 10 years, California International Bank NA's highest Return-on-Tangible-Equity was 8.36%. The lowest was -11.28%. And the median was -2.25%.
CAIB's Return-on-Tangible-Equity is ranked worse than 66.71% of 1523
companies
in the Banks industry
Industry Median: 11.2
vs CAIB: 8.36
California International Bank NA (OTCPK:CAIB) Return-on-Tangible-Equity Explanation
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
California International Bank NA Return-on-Tangible-Equity Related Terms
California International Bank NA Return-on-Tangible-Equity 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 Return-on-Tangible-Equity Chart
CAIB vs FNFI, GLBZ, ASCN: Return-on-Tangible-Equity Comparison
For the Banks - Regional subindustry, California International Bank NA's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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 Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, California International Bank NA's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where California International Bank NA's Return-on-Tangible-Equity 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.
In the calculation of annual Return-on-Tangible-Equity, the net income of the last fiscal year and the average total shareholder tangible equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is one times the annual (Dec. 2025) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 8.36% mean?
California International Bank NA (CAIB) has a Return-on-Tangible-Equity of 8.36% as of Dec. 2025. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on California International Bank NA and its competitors. According to the industry distribution chart, California International Bank NA ranks #1016 out of 1523 companies in the Banks industry, placing it in the top 66.7%.
Is California International Bank NA's Return-on-Tangible-Equity too high?
California International Bank NA's current Return-on-Tangible-Equity is 8.36%. The Banks industry median Return-on-Tangible-Equity is 11.20. California International Bank NA's value of 8.36% is 25.4% below this industry median. Based on the distribution chart, California International Bank NA ranks #1016 out of 1523 companies in the Banks industry, which is below the industry midpoint.
How does California International Bank NA's Return-on-Tangible-Equity compare to FNFI and GLBZ?
According to the Banks industry distribution chart, California International Bank NA ranks #1016 out of 1523 companies for Return-on-Tangible-Equity. This places California International Bank NA in the lower half of its industry. The industry median Return-on-Tangible-Equity is 11.20. California International Bank NA's value of 8.36% is 25.4% 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 Return-on-Tangible-Equity for a Banks company?
The median Return-on-Tangible-Equity among Banks companies is 11.20, based on 1,523 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. California International Bank NA's current Return-on-Tangible-Equity of 8.36% is 25.4% 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 Return-on-Tangible-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on California International Bank NA and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.20 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. California International Bank NA's current Return-on-Tangible-Equity is 8.36%. 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 Return-on-Tangible-Equity is 8.36% and 25.4% below the Banks industry median of 11.20. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For California International Bank NA (CAIB), the current Return-on-Tangible-Equity is 8.36% 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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