CAIB (California International Bank NA) ROC %: % (As of Dec. 2025)

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Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
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Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
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.

CAIB California International Bank NA CAIB
47 GF Score
Price $0.15
GF Value $0.13
Valuation Modestly Overvalued
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What is California International Bank NA ROC %?

California International Bank NA CAIB +93.16% 47 ROC % is % as of Dec. 2025. GuruFocus rates CAIB with a GF Score™ of 47/100 and a GF Value™ of $0.13 (Modestly Overvalued).

ROC %does not apply to banks.

CAIB
47GF Score
California International Bank NA CAIB
ROC % is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about ROC % →
What does a ROC % of % mean?
California International Bank NA (CAIB) has a ROC % of % as of Dec. 2025. Return on capital is the ratio of current-period net income to average two-period capital. View historical data on California International Bank NA and its competitors.
Is California International Bank NA's ROC % too high?
California International Bank NA's current ROC % is %. Overall, California International Bank NA has a GF Score™ of 47/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does California International Bank NA's ROC % compare to GTPS and MNBO?
California International Bank NA's ROC % of % can be compared against companies in the Banks industry. The industry median ROC % is 1.54. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROC % for a Banks company?
The median ROC % among Banks companies is 1.54, based on 47 companies in the industry. Companies in the top quartile (top 25%) have a ROC % significantly above this median, while those in the bottom quartile fall well below. However, ROC % 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 ROC % mean?
A high ROC % can signal that a stock is expensive relative to its fundamentals. Return on capital is the ratio of current-period net income to average two-period capital. View historical data on California International Bank NA and its competitors. For the Banks industry, the median ROC % is 1.54 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. California International Bank NA's current ROC % is %. 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 ROC % is %. 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 ROC % calculated?
ROC % is calculated from a company's financial statements. For California International Bank NA (CAIB), the current ROC % is % 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:

  • ROC %: %
  • GF Value™: $0.13 vs. price of $0.15 (12.9% above fair value)
  • GF Score™: 47/100

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

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.
47GF Score

Get the complete analysis for CAIB

ROC % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$0.15
Price
$0.13
GF Value