OTCPK:CAIB

Stock Analysis Report

California International Bank N.A

Executive Summary

California International Bank, N.A. provides various banking products and services to personal and business customers in California.

Snowflake

Fundamentals

Weak fundamentals or lack of information.


Similar Companies

Share Price & News

How has California International Bank N.A's share price performed over time and what events caused price changes?


Latest Share Price and Events


Market Performance


7 Day Return

0%

CAIB

4.8%

US Banks

2.3%

US Market


1 Year Return

81.3%

CAIB

0.04%

US Banks

5.6%

US Market

Return vs Industry: CAIB exceeded the US Banks industry which returned 0% over the past year.

Return vs Market: CAIB exceeded the US Market which returned 5.6% over the past year.


Shareholder returns

CAIBIndustryMarket
7 Day0%4.8%2.3%
30 Day0%-0.5%-1.0%
90 Dayn/a2.0%-0.7%
1 Year81.3%81.3%2.9%0.04%7.9%5.6%
3 Year89.1%89.1%51.5%41.1%45.6%36.3%
5 Year3.6%3.6%70.9%52.3%65.8%47.6%

Price Volatility Vs. Market

How volatile is California International Bank N.A's share price compared to the market and industry in the last 5 years?


Simply Wall St News

No news available

Valuation

Is California International Bank N.A undervalued compared to its fair value and its price relative to the market?


In this section, we usually try to help investors determine whether California International Bank N.A is trading at an attractive price based on the cash flow it is expected to produce in the future. But as California International Bank N.A has not provided consistent financial data, and the stock also has no analyst forecast or coverage, its intrinsic value cannot be reliably calculated by extrapolating past data or using analyst consensus cash flow predictions.

This is quite a rare situation as 89% of companies covered by Simply Wall St do have a valuation analysis.


Next Steps

  • Take a look at our analysis of CAIB’s management and see if the CEO’s compensation is within a reasonable range, who is on the board and if insiders have been trading lately.
  • When valuing a company like this, investors focus more on how they perceive the size of the opportunity, the company's ability to deliver and scale, and the strength of the team. While we are not analysing this type of data at the moment, if you don’t know where to start, we recommend reading through California International Bank N.A regulatory filings here.
  • Explore potentially undervalued companies in the Banks industry.

Future Growth

How is California International Bank N.A forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?

1.1%

Forecasted Banks industry annual growth in earnings


In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as California International Bank N.A has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.

This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.


Next Steps

  • Take a look at our analysis of CAIB’s management and see if the CEO’s compensation is within a reasonable range, who is on the board and if insiders have been trading lately.
  • While we do not consider unaudited financials to be a reliable enough to include in our analysis, you can access them on the OTC Markets Website. If you are looking for more of a qualitative research into the company, you can access California International Bank N.A's filings and announcements here.
  • Explore growth companies in the Banks industry.

Past Performance

How has California International Bank N.A performed over the past 5 years?

15.5%

Historical Banks annual earnings growth


In this section we usually display a company’s past earnings and revenues to help investors visualise the trend through time. We also gauge the company’s performance by benchmarking its returns and growth to its industry peers and the wider market. However, California International Bank N.A has not provided sufficient past data to assess its track record.

This is quite a rare situation as 97% of companies covered by Simply Wall St do have historical data.


Next Steps

Financial Health

How is California International Bank N.A's financial position? (This company is analysed differently as a bank or financial institution)


In this section we usually analyse California International Bank N.A's finance health to determine how well-positioned it is against times of financial distress, in particular, its ability to manage its cash and debt levels. California International Bank N.A has not provided adequate balance sheet data, its financial health cannot be properly assessed as it.

This is quite a rare situation as 97% of companies covered by Simply Wall St do have financial information.


Next Steps

  • Take a look at our analysis of CAIB’s management and see if the CEO’s compensation is within a reasonable range, who is on the board and if insiders have been trading lately.
  • Investors tend to look at the financial health of a company this size in order to assess the sustainability of its current operations. While we do not consider unaudited financials to be a reliable enough to include in our analysis, you can access them on the OTC Markets Website.
  • Financial health is measured at one point in time, so the latest financial report is the best representation of the company’s current financial status. Check when California International Bank N.A's financial data was last updated here.
  • Explore more healthy companies in the Banks industry.

Dividend

What is California International Bank N.A's current dividend yield, its reliability and sustainability?


Dividend Yield vs Market

companyn/amarketbottom25%1.5%markettop25%3.8%industryaverage3.0%forecastin3Yearsn/a

Current dividend yield vs market & industry


Stability and Growth of Payments

Notable Dividend: Unable to evaluate CAIB's dividend yield against the bottom 25% of dividend payers, as the company has not reported any payouts.

High Dividend: Unable to evaluate CAIB's dividend yield against the top 25% of dividend payers, as the company has not reported any payouts.

Stable Dividend: Insufficient data to determine if CAIB's dividends per share have been stable in the past.

Growing Dividend: Insufficient data to determine if CAIB's dividend payments have been increasing.


Current Payout to Shareholders

Dividend Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.


Future Payout to Shareholders

Future Dividend Coverage: No need to calculate the sustainability of CAIB's dividend in 3 years as they are not forecast to pay a notable one for the US market.


Next Steps

Management

What is the CEO of California International Bank N.A's salary, the management and board of directors tenure and is there insider trading?


CEO

Jack Briner (79yo)

2.8yrs

Tenure

0

Mr. John G. Briner, also known as Jack, served as a Consultant at First Mountain Bank from March 31, 2015 to October 2015. Mr. Briner served as the Chief Executive Officer of First Mountain Bank (Big Bear  ...


Insider Trading

Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.


Management Team

  • Roy Painter (73yo)

    Chief Financial Officer and Executive Vice President

    • Tenure: 13.8yrs
    • Compensation: US$215.61k
  • Jack Briner (79yo)

    President & CEO

    • Tenure: 2.8yrs
  • Gladys Cantu

    Senior Vice President and Manager of Branch Operations

    • Tenure: 0yrs
  • Patrick Siu

    • Tenure: 0yrs
  • Jose Guevara

    Executive VP & CFO

    • Tenure: 0yrs

Board Members

  • Kiem Nguyen

    Director

    • Tenure: 0yrs
  • Kim Tran (55yo)

    Director

    • Tenure: 13.9yrs
  • Ban Nguyen

    Director

    • Tenure: 0yrs
  • Roger Kratz

    Director

    • Tenure: 0yrs
  • Hien Do

    Chairman of the Board

    • Tenure: 0yrs
  • Minh Tran

    Director

    • Tenure: 0yrs
  • Hieu Tran

    Vice Chairman of the Board

    • Tenure: 3.8yrs

Company Information

California International Bank, N.A.'s company bio, employee growth, exchange listings and data sources


Key Information

  • Name: California International Bank, N.A.
  • Ticker: CAIB
  • Exchange: OTCPK
  • Founded: 2006
  • Industry: Regional Banks
  • Sector: Banks
  • Market Cap: US$18.543m
  • Shares outstanding: 170.43m
  • Website: https://www.calibankna.com

Number of Employees


Location

  • California International Bank, N.A.
  • 15606 Brookhurst Street
  • Suite C-D
  • Westminster
  • California
  • 92683
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
CAIBOTCPK (Pink Sheets LLC)YesCommon StockUSUSDJan 2006

Biography

California International Bank, N.A. provides various banking products and services to personal and business customers in California. Its deposit products include checking, savings, and money market account ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/10/16 23:56
End of Day Share Price2019/08/07 00:00
Earnings2007/12/31
Annual Earnings2007/12/31


Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.