ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. California International Bank NA's annualizedNet Income for the quarter that ended in Dec. 2025 was $1.02 Mil.
California International Bank NA's average Total Assets over the quarter that ended in Dec. 2025 was $74.73 Mil. Therefore, California International Bank NA's annualized ROA % for the quarter that ended in Dec. 2025 was 1.36%.
CAIB'
s ROA % Range Over the Past 10 Years
Min: -6.62 Med: -0.81 Max: 1.36
Current: 1.36
During the past 10 years, California International Bank NA's highest ROA % was 1.36%. The lowest was -6.62%. And the median was -0.81%.
CAIB's ROA % is ranked better than 72.64% of 1528
companies
in the Banks industry
Industry Median: 0.98
vs CAIB: 1.36
California International Bank NA (OTCPK:CAIB) ROA % Explanation
ROA % measures the rate of return on the total assets (shareholder equity plus liabilities). It measures a firm's efficiency at generating profits from shareholders' equity plus its liabilities. ROA % shows how well a company uses what it has to generate earnings. ROA %s can vary drastically across industries. Therefore, ROA % should not be used to compare companies in different industries. For retailers, a ROA % of higher than 5% is expected. For example, Wal-Mart (WMT) has a ROA % of about 8% as of 2012. For banks, ROA % is close to their interest spread. A banks ROA % is typically well under 2%.
Similar to ROE, ROA % is affected by profit margins and asset turnover. This can be seen from the Du Pont Formula:
Note:
The Net Income data used here is one times the annual (Dec. 2025) net income data. The Revenue data used here is one times the annual (Dec. 2025) revenue 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.
Be Aware
Like ROE, ROA % is calculated with only 12 months data. Fluctuations in the company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. ROA % can be affected by events such as stock buyback or issuance, and by goodwill, a company's tax rate and its interest payment. ROA % may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high ROA % may indicate vulnerability in the durability of the competitive advantage.
E.g. Raising $43b to take on KO is impossible, but $1.7b to take on Moody's is. Although Moody's ROA % and underlying economics is far superior to Coca Cola, the durability is far weaker because of lower entry cost.
California International Bank NA ROA % Related Terms
California International Bank NA ROA % 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 ROA %, along with its competitors' market caps and ROA % 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 ROA % vs Banks Industry
For the Banks industry and Financial Services sector, California International Bank NA's ROA % distribution charts can be found below:
* The bar in red indicates where California International Bank NA's ROA % 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 ROA %, the net income of the last fiscal year and the average total assets 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.
ROA % is displayed in the 30-year financial page.
California International Bank NA (CAIB) has a ROA % of 1.36% as of Dec. 2025. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on California International Bank NA and its competitors. According to the industry distribution chart, California International Bank NA ranks #418 out of 1528 companies in the Banks industry, placing it in the top 27.4%.
Is California International Bank NA's ROA % too high?
California International Bank NA's current ROA % is 1.36%. The Banks industry median ROA % is 0.98. California International Bank NA's value of 1.36% is 38.8% above this industry median. Based on the distribution chart, California International Bank NA ranks #418 out of 1528 companies in the Banks industry, which is above the industry midpoint. Overall, California International Bank NA has a GF Score™ of 47/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does California International Bank NA's ROA % compare to PFSB and APLO?
According to the Banks industry distribution chart, California International Bank NA ranks #418 out of 1528 companies for ROA %. This puts California International Bank NA in the upper half of its industry. The industry median ROA % is 0.98. California International Bank NA's value of 1.36% is 38.8% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROA % for a Banks company?
The median ROA % among Banks companies is 0.98, based on 1,528 companies in the industry. Companies in the top quartile (top 25%) have a ROA % significantly above this median, while those in the bottom quartile fall well below. However, ROA % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. California International Bank NA's current ROA % of 1.36% is 38.8% above 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 ROA % mean?
A high ROA % can signal that a stock is expensive relative to its fundamentals. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on California International Bank NA and its competitors. For the Banks industry, the median ROA % is 0.98 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. California International Bank NA's current ROA % is 1.36%. 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 Fairly Valued. The stock's GF Value™ is $0.13, compared to a current price of $0.13 — trading right at its estimated fair value. The current ROA % is 1.36% and 38.8% above the Banks industry median of 0.98. 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 ROA % calculated?
ROA % is calculated from a company's financial statements. For California International Bank NA (CAIB), the current ROA % is 1.36% 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.
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 $0.13 is trading 0% below its estimated GF Value™ of $0.13.
GuruFocus considers California International Bank NA to be Fairly Valued.
Key valuation signals for CAIB:
ROA %: 1.36%
GF Value™: $0.13 vs. price of $0.13 (0% below fair value)
Industry Position: 38.8% above the Banks median (#418 of 1528)
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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