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California International Bank N.A (CAIB) fair value: what the stock is really worth
As of Sep 24, 2026: fair value of California International Bank N.A $0.07, price $0.10, upside -30.0%, quality 57 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
- Fair value above price? No
- Good quality? Yes
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CI
Thin data
Sep 24, 2026
Thin data
Sep 24, 2026
California International Bank N.A
CAIB · USOvervalued / MonitorQuality is not strong enough to offset the price risk.
!Fair value $0.0700 · Overvalued (−30%)
!Quality 57/100
!Mixed Growth (revenue 5y +24.1 %/yr)
!Loss over the last twelve months · -188.0% net margin (TTM) · fiscal year 2025 13.6%
✓generates free cash flow
!Trails peers (3/11)
!Narrow moat 15/100
!Evidence only low, so the estimate is less certain
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What runs behind every stock
26
valuation models
8 families, DCF to NCAV
37
quality factors
margins, balance sheet, cashflow, debt
6
AI factors
moat, what no ratio measures
2,000+
data points
verified, per stock, median
69 individual criteria per stock, every one traceable See the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 24, 2026.
How to read this chart
60‑month range $0.0500 – $0.1900 · fair‑value band $0.0600 – $0.0800 · the $0.1000 price screens above the $0.0700 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 24, 2026.
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Company profile
California International Bank, N.A. provides various banking products and services to personal and business customers in California. It offers checking accounts, savings and investment products, loans, ATM and debit cards, payment processing solutions, and online banking services. California International Bank, N.A.
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California International Bank, N.A. provides various banking products and services to personal and business customers in California. It offers checking accounts, savings and investment products, loans, ATM and debit cards, payment processing solutions, and online banking services. California International Bank, N.A. was founded in 2005 and is headquartered in Westminster, California.
Stock analysis
California International Bank N.A (CAIB) currently trades at $0.1000, while our model-based Fair Value estimate is $0.0700, implying the stock looks roughly 42.9% overvalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of $0.0800 per share, and 0 of the 4 models we run sit above the $0.1000 price.
Bear case: the Asset-Based group reads lowest at $0.0500, and 4 of the 4 models stay below the price. Evidence for this calculation is low.
Scenario range: $0.0600 (bear) to $0.0800 (bull), the price of $0.1000 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 57/100 (solid quality), in the Financial Services sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
California International Bank N.A reported revenue of $7.4M in FY2025 versus $3.6M in FY2021, a compound +19.6%/yr. Reported net income was $1.0M in FY2025.
Key figures
Market cap $25.6M · P/E ratio 10.0 · P/S ratio 1.36 · EPS (TTM) $0.0100 · Net margin 13.6% · Return on equity −11.2% · Return on assets (EBIT) 0.2% · Operating margin 732%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 48 out of 100 (low confidence).
What moves the price
The share trades about 47% below its 52-week high and 67% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −36% fair-value upside, at −30%, CAIB screens cheaper than that median.
Fair Value models
Bear $0.0600
Fair Value $0.0700
Bull $0.0800
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2025 figures (about 9 months old). Earnings retained since then ($0.0073 per share) are deliberately not added.
Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target.
Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Highest evidence
Residual Income
$0.0600
$0.0700
$0.0700
71
P/E Multiple
$0.0600
$0.0800
$0.1000
63
P/B Multiple
$0.0800
$0.1000
$0.1300
55
All 4 models by family
Multiples
P/E Multiple
$0.0600
$0.0800
$0.1000
63
P/B Multiple
$0.0800
$0.1000
$0.1300
55
Asset-Based
NCAV (Graham)
$0.0400
$0.0500
$0.0800
51
Economic Profit
Residual Income
$0.0600
$0.0700
$0.0700
71
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Set up alert →Quality Score breakdown
Overall quality
57/100
Of which business quality 68 · Market factors (momentum, volatility) 60
Profitability
27
Margins and returns on capital today
Quality Growth
64
Are margins and returns improving?
Cashflow
92
Earnings quality: real cash, not paper profit
Fin. Strength
82
Balance sheet, leverage, solvency risk
Investment
62
Disciplined investing over empire-building
Low Volatility
50
Calm price path (market factor)
Momentum
63
Price trend over the last 3–12 months (market factor)
52W Momentum
65
Distance to the 52-week high (market factor)
Net Issuance
82
Share count: buybacks or dilution?
Revenue & earnings trend
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.
82/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+89.3%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+25.7%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+24.1%
Start year 2020 (pandemic)
Revenue growth 19 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+14.5%
’06
’07
’19
’20
’21
’22
’23
’24
’25
Profit margin (trend) ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.
−55.2% (2020) → 15.2% (2025)
What shareholders gained per year ⓘWe only publish this rate when it is defensible. Reason: rate outside our plausibility band
not computed
Growth Forecast
Little optimism in the price
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
less than -40 %
Yearly growth needed for the next five years to justify today's price.
What forecasts expect
n/a
No analyst forecast available.
CAIB screens 43% overvalued. Compare with DBS Group →
Compare California International Bank N.A with another stock
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 1076 stocks
Beats the industry median on 3/10 measures
Overall it trails its industry peers.
Valuation Multiplesvs Banks - Regional median · lower = cheaper
Context: sector, industry, market
- Is the Financials sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
- Undervalued stocks: US Stocks
- Valuation of the USA market
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
None of the checked exposures detected
Similar stocks
10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| DBS Group D05 | 77.48 SGD | 40.39 SGD | −48% |
| China Merchants Bank Co 3968 | HK$51.20 | HK$62.32 | +22% |
| UniCredit S.p.A UCG | €82.18 | €77.62 | −6% |
| Intesa Sanpaolo S.p.A ISP | €6.72 | €4.04 | −40% |
| Mizuho Financial Group MFG | $10.56 | $6.79 | −36% |
| BNP Paribas SA BNP | €98.43 | €105.99 | +8% |
| HDFC Bank Limited HDFCBANK | ₹728.90 | ₹406.44 | −44% |
| ICICI Bank Limited ICICIBANK | ₹1,340 | ₹616.16 | −54% |
| The PNC Financial Services Group PNC | $224.03 | $159.52 | −29% |
| Oversea-Chinese Banking Corporation O39 | 32.14 SGD | 19.80 SGD | −38% |
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Frequently asked questions
Is California International Bank N.A (CAIB) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of $0.0700 versus a price of $0.1000, about −30% upside (overvalued).
What is the fair value of CAIB?
Our model-based fair value for California International Bank N.A is $0.0700 (as of Sep 24, 2026), built from audited fundamentals. The current price: $0.1000.
What is the quality score of CAIB?
California International Bank N.A has a Quality Score of 57/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for California International Bank N.A (CAIB)?
Our model-based price target is the fair value of $0.0700 (as of Sep 24, 2026) from 4 valuation models. Cautious scenario $0.0600, optimistic scenario $0.0800. It is a calculation from audited fundamentals, not an analyst target.
What is the California International Bank N.A stock forecast for 2026?
Our models put fair value at $0.0700, about −30% upside versus a price of $0.1000 (overvalued). Cautious scenario $0.0600, optimistic scenario $0.0800. The calculation is refreshed regularly with new filings.
What growth is priced into California International Bank N.A (CAIB)?
For today's price to be fair in a discounted-cash-flow model, California International Bank N.A would have to grow free cash flow by less than minus 40 % per year for five years (discount rate 9.7 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +24.1 % per year. As of Sep 24, 2026.
What discount rate (WACC) does the fair value of CAIB use?
Our models discount California International Bank N.A at 9.7 %: a base by market capitalisation (nano), country premium for USA. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For California International Bank N.A that is less than minus 40 % per year a year over ten years, using the same discount rate (9.7 %) and the same formula as our fair value.
How much growth has California International Bank N.A (CAIB) delivered so far?
Over the past 5 years revenue at California International Bank N.A grew +24.1 % a year. The price currently implies less than minus 40 % per year free-cash-flow growth a year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of California International Bank N.A (CAIB) growing?
The median revenue growth in the sector is +8.3 % a year. That is the yardstick for the growth priced into California International Bank N.A (less than minus 40 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of California International Bank N.A (CAIB)?
The free-cash-flow yield on the price is 10.59 %: that much free cash flow California International Bank N.A produces per unit of market value. When it exceeds the discount rate of our models (9.7 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of California International Bank N.A (CAIB)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For California International Bank N.A it is $0.0700 per share (as of Sep 24, 2026), against a price of $0.1000. It is the blended result of 4 valuation models (cash flow, earnings, asset, dividend).
Is California International Bank N.A stock overvalued or undervalued in 2026?
As of Sep 24, 2026, CAIB trades above its calculated fair value: price $0.1000, fair value $0.0700, a gap of about −30% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of CAIB?
No. The price is what the market pays today ($0.1000); the fair value is what the company's own numbers justify ($0.0700). For California International Bank N.A the two are $0.0300 per share apart. That gap is exactly why we show both numbers side by side.
How much is California International Bank N.A worth?
The market values California International Bank N.A at about $25.6M (market capitalisation, as of Sep 24, 2026). Per share that is $0.1000; our models calculate a fair value of $0.0700 per share.
What do the bullish and bearish scenarios say about CAIB?
Our models span a range for California International Bank N.A: cautious scenario $0.0600, base $0.0700, optimistic $0.0800 per share (as of Sep 24, 2026, price $0.1000). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of CAIB?
California International Bank N.A trades at a price-to-earnings ratio of 10.0 (as of Sep 24, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $0.0700 is built from several models across several years. Other multiples: P/B 2.0, P/S 38.0, EV/EBITDA 2.8.
How solid is the balance sheet of California International Bank N.A (CAIB)?
Balance-sheet figures for California International Bank N.A (as of Sep 24, 2026): return on equity −11.2%. They feed the Quality Score of 57/100, which measures business quality independently of the share price.
How far is CAIB from its 52-week high?
California International Bank N.A trades at $0.1000, about 47% below its 52-week high of $0.1900 and 67% above the low of $0.0600 (as of Sep 24, 2026). Distance from the high says nothing about value: that is what the fair value of $0.0700 is for.
Which stocks are comparable to California International Bank N.A?
From the same area (Financial Services) we also value DBS Group, China Merchants Bank Co, UniCredit S.p.A, Intesa Sanpaolo S.p.A, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is California International Bank N.A stock attractive at the current price?
The data as of Sep 24, 2026: price $0.1000, calculated fair value $0.0700 (−30%), Quality Score 57/100, from 4 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of CAIB calculated?
We run California International Bank N.A through 4 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $0.0700, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 14.0 % above its aggregate fair value. California International Bank N.A itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of California International Bank N.A (CAIB)?
The closing price on Sep 24, 2026 was $0.1000. Our model-based fair value is $0.0700, about −30% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with California International Bank N.A right now?
The price sits above even our optimistic bull case ($0.0800). The favourable scenario is already priced in. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution. Solid but not exceptional quality (57/100) and above fair value, neither a clear bargain nor a standout compounder. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Key figures of California International Bank N.A
How large is the market capitalisation of California International Bank N.A (CAIB)?
The market capitalisation of California International Bank N.A is $25.6M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of California International Bank N.A (CAIB)?
The price-to-sales ratio of California International Bank N.A is 1.36 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of California International Bank N.A (CAIB)?
Earnings per share at California International Bank N.A are $0.0100 (price ÷ EPS = P/E 10.0). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of California International Bank N.A (CAIB)?
The net margin of California International Bank N.A is 13.6% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of California International Bank N.A (CAIB)?
The return on equity (ROE) of California International Bank N.A is −11.2% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of California International Bank N.A (CAIB)?
On an EBIT basis the return on assets of California International Bank N.A is 0.2% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of California International Bank N.A (CAIB)?
The operating margin of California International Bank N.A is 732% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How much net cash does California International Bank N.A (CAIB) hold?
California International Bank N.A holds more cash than debt, $22.3M net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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