CAIB (California International Bank NA) Scaled Net Operating Assets: -0.16 (As of Dec. 2025)


CAIB California International Bank NA CAIB
47 GF Score
Price $0.08
GF Value $0.13
Valuation Significantly Undervalued
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What is California International Bank NA Scaled Net Operating Assets?

California International Bank NA CAIB -41.54% 47 Scaled Net Operating Assets is -0.16 as of Dec. 2025. GuruFocus rates CAIB with a GF Score™ of 47/100 and a GF Value™ of $0.13 (Significantly Undervalued).

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

California International Bank NA's operating assets for the quarter that ended in Dec. 2025 was $68.60 Mil. California International Bank NA's operating liabilities for the quarter that ended in Dec. 2025 was $78.02 Mil. California International Bank NA's Total Assets for the quarter that ended in Dec. 2024 was $58.57 Mil. Therefore, California International Bank NA's scaled net operating assets (SNOA) for the quarter that ended in Dec. 2025 was -0.16.

CAIB
47GF Score
California International Bank NA CAIB
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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California International Bank NA Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

California International Bank NA's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Dec. 2025 )
=(Operating Assets (A: Dec. 2025 )-Operating Liabilities (A: Dec. 2025 ))/Total Assets (A: Dec. 2024 )
=(68.598-78.016)/58.565
=-0.16

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=90.899 - 22.301
=68.598

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=78.016 - 0 - 0
=78.016

California International Bank NA's Scaled Net Operating Assets (SNOA) for the quarter that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Dec. 2025 )
=(Operating Assets (Q: Dec. 2025 )-Operating Liabilities (Q: Dec. 2025 ))/Total Assets (Q: Dec. 2024 )
=(68.598-78.016)/58.565
=-0.16

where

Operating Assets(Q: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=90.899 - 22.301
=68.598

Operating Liabilities(Q: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=78.016 - 0 - 0
=78.016

* 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.

What does a Scaled Net Operating Assets of -0.16 mean?
California International Bank NA (CAIB) has a Scaled Net Operating Assets of -0.16 as of Dec. 2025. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on California International Bank NA and its competitors.
Is California International Bank NA's Scaled Net Operating Assets too high?
California International Bank NA's current Scaled Net Operating Assets is -0.16. Overall, California International Bank NA has a GF Score™ of 47/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does California International Bank NA's Scaled Net Operating Assets compare to PFSB and APLO?
California International Bank NA's Scaled Net Operating Assets of -0.16 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 Scaled Net Operating Assets for a Banks company?
A good Scaled Net Operating Assets depends on the Banks industry context. However, Scaled Net Operating Assets 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 Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on California International Bank NA and its competitors. California International Bank NA's current Scaled Net Operating Assets is -0.16. 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 Scaled Net Operating Assets is -0.16. 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 Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For California International Bank NA (CAIB), the current Scaled Net Operating Assets is -0.16 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 $0.08 is trading 41.5% below its estimated GF Value™ of $0.13. GuruFocus considers California International Bank NA to be Significantly Undervalued.

Key valuation signals for CAIB:

  • Scaled Net Operating Assets: -0.16
  • GF Value™: $0.13 vs. price of $0.08 (41.5% below 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

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Scaled Net Operating Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$0.08
Price
$0.13
GF Value