CAIB (California International Bank NA) 3-Year RORE % : 71.43% (As of Dec. 2025)


What is California International Bank NA 3-Year RORE %?

California International Bank NA CAIB -41.54% 3-Year RORE % is 71.43 as of Dec. 2025. Among 1,472 Banks companies, California International Bank NA ranks better than 93.34% on this metric.

Return on Retained Earnings (RORE) is an indicator of a company's growth potential, it shows how much a company earns by reinvesting its retained earnings, i.e. profits after dividend payments. California International Bank NA's 3-Year RORE % for the quarter that ended in Dec. 2025 was 71.43%.

The industry rank for California International Bank NA's 3-Year RORE % or its related term are showing as below:

CAIB's 3-Year RORE % is ranked better than
93.34% of 1472 companies
in the Banks industry
Industry Median: 9.93 vs CAIB: 71.43

California International Bank NA  (OTCPK:CAIB) 3-Year RORE % Explanation

Return on Retained Earnings (RORE) is important to investors because it reveals a company's efficiency and growth potential. A higher RORE indicates a higher return. A high RORE indicates that the company should reinvest profits into the business. A lower RORE suggests that the company should distribute profits to shareholders by paying out dividends, since those dollars aren't generating much additional growth for the company.

There are a several different ways to arrive at the Return on Retained Earnings. The simplest way to calculate it is by using published information on Earnings per Share (EPS) and Dividend per Share (DPS) over a selected period. Here, 3-year period is chosen.

Be Aware

Please keep in mind that the RORE is relative to the nature of the business and its competitors. If another company in the same sector is producing a lower return on retained earnings, it doesn’t necessarily mean it’s a bad investment. It may just suggest the company is older and no longer in a high growth stage. At such a stage in the business cycle, it would be expected to see a lower RORE and higher dividend payout.


California International Bank NA 3-Year RORE % Related Terms


California International Bank NA 3-Year RORE % Historical Data

* Premium members only.

The historical data trend for California International Bank NA's 3-Year RORE % 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 3-Year RORE % Chart

California International Bank NA Annual Data
Trend Dec05 Dec06 Dec07 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
3-Year RORE %
Get a 7-Day Free Trial Premium Member Only Premium Member Only -36.36 -69.23 -150.00 0.00 71.43

California International Bank NA Semi-Annual Data
Dec05 Dec06 Dec07 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
3-Year RORE % Get a 7-Day Free Trial Premium Member Only Premium Member Only -36.36 -69.23 -150.00 0.00 71.43

CAIB vs FNFI, GLBZ, ASCN: 3-Year RORE % Comparison

For the Banks - Regional subindustry, California International Bank NA's 3-Year RORE %, along with its competitors' market caps and 3-Year RORE % 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 3-Year RORE % vs Banks Industry

For the Banks industry and Financial Services sector, California International Bank NA's 3-Year RORE % distribution charts can be found below:

* The bar in red indicates where California International Bank NA's 3-Year RORE % falls into.



California International Bank NA 3-Year RORE % Calculation

California International Bank NA's 3-Year RORE % for the quarter that ended in Dec. 2025 is calculated as:

3-Year RORE %=( Most Recent EPS (Diluted)- First Period EPS (Diluted) )/( Cumulative EPS (Diluted) for 3-year -Cumulative Dividends per Share for 3-year )
=( 0.006-0.001 )/( 0.007-0 )
=0.005/0.007
=71.43 %

* 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 3-Year RORE %, the most recent and first period EPS (Diluted) is the trailing twelve months (TTM) data ended in Dec. 2025 and 3-year before.

Frequently Asked Questions Learn more about 3-Year RORE % →
What does a 3-Year RORE % of 71.43 mean?
California International Bank NA (CAIB) has a 3-Year RORE % of 71.43 as of Dec. 2025. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on California International Bank NA and its competitors. According to the industry distribution chart, California International Bank NA ranks #98 out of 1472 companies in the Banks industry, placing it in the top 6.7%.
Is California International Bank NA's 3-Year RORE % too high?
California International Bank NA's current 3-Year RORE % is 71.43. The Banks industry median 3-Year RORE % is 9.93. California International Bank NA's value of 71.43 is 619.3% above this industry median. Based on the distribution chart, California International Bank NA ranks #98 out of 1472 companies in the Banks industry, which is in the top quartile — a strong position relative to peers.
How does California International Bank NA's 3-Year RORE % compare to FNFI and GLBZ?
According to the Banks industry distribution chart, California International Bank NA ranks #98 out of 1472 companies for 3-Year RORE %. This places California International Bank NA in the top 7% of its industry — outperforming the majority of peers. The industry median 3-Year RORE % is 9.93. California International Bank NA's value of 71.43 is 619.3% 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 3-Year RORE % for a Banks company?
The median 3-Year RORE % among Banks companies is 9.93, based on 1,472 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year RORE % significantly above this median, while those in the bottom quartile fall well below. However, 3-Year RORE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. California International Bank NA's current 3-Year RORE % of 71.43 is 619.3% 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 3-Year RORE % mean?
A high 3-Year RORE % can signal that a stock is expensive relative to its fundamentals. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on California International Bank NA and its competitors. For the Banks industry, the median 3-Year RORE % is 9.93 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. California International Bank NA's current 3-Year RORE % is 71.43. 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 3-Year RORE % is 71.43 and 619.3% above the Banks industry median of 9.93. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year RORE % calculated?
3-Year RORE % is calculated from a company's financial statements. For California International Bank NA (CAIB), the current 3-Year RORE % is 71.43 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.