California Business Bank (CABB) Stock Price & Analysis
Educational signal · not a buy or sell recommendation · How to read this
Market cap $7.64M is the value of all shares combined.
For informational purposes only. Not financial advice. Machine-generated analysis by Stock Expert AI — model gemini-2.5-flash, generated Jun 14, 2026. Editorial oversight is systemic, not page-by-page. Editorially accountable: Sedat ANAK, Founder and Editor-in-Chief. Data sources: Financial Modeling Prep, Yahoo Finance, SEC EDGAR
Quick AnswerCalifornia Business Bank (CABB) trades at $0.0091. California Business Bank is a regional financial institution based in Irvine, California, specializing in a range of financial products and services tailored for small businesses and entrepreneurs. Market cap: $7.64M, Sector: Financials.
Price as of · Last analyzed: Jun 14, 2026Analyst Coverage for CABB: CABB does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage.
No score published: we hold no usable price for this ticker, and a grade beside a missing price says nothing.
California Business Bank (CABB) Financial Services Profile
California Business Bank is an Irvine, California-based regional financial institution focused on providing specialized banking solutions for small businesses and entrepreneurs. It offers a comprehensive suite of personal and business deposit products alongside commercial lending, including SBA, commercial and industrial, and commercial real estate loans, complemented by modern online and mobile banking services.
What Is the Investment Thesis for CABB?
California Business Bank (CABB) operates as a niche regional bank, focusing on the underserved small business and entrepreneur segment in its Irvine, California market. With a market capitalization of $7.64M, the bank represents a micro-cap opportunity within the financial services sector, characterized by its specialized lending approach, including SBA, commercial and industrial, and commercial real estate loans. The investment thesis centers on the potential for sustained growth driven by its deep local market penetration and relationship-based banking model, which can foster client loyalty and organic deposit growth. The bank's provision of online and mobile banking services positions it to capture a digitally-savvy segment of its target market, enhancing operational efficiency and customer reach. While its Beta of -1.23 suggests an unusual inverse correlation with broader market movements, the bank's value drivers are primarily tied to local economic health, effective loan portfolio management, and the ability to expand its deposit base. Growth catalysts include regional economic expansion supporting small businesses and continued adoption of its digital platforms. Risks include its small scale, OTC trading environment, and sensitivity to local economic downturns.
Based on FMP financials and quantitative analysis
CABB Key Highlights
Market Capitalization: $7.64M, indicating a micro-cap financial institution focused on a regional market.
- Beta: -1.23, suggesting an unusual inverse correlation with broader market movements, which warrants further analysis.
- Specialized Lending Focus: Offers a diverse portfolio including SBA, commercial and industrial, and commercial real estate loans tailored for small businesses.
- Digital Service Integration: Provides online and mobile banking, mobile deposit, and bill pay, enhancing customer convenience and operational reach.
- Regional Market Concentration: Headquartered in Irvine, California, with a strategic emphasis on serving local small businesses and entrepreneurs.
Who Are CABB's Competitors?
CABB is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | MoonshotScore |
|---|---|---|---|---|
| SBFG SB Financial Group, Inc. | $29.01 | -1.33% | $182M | — |
| FCAP First Capital, Inc. | $63.74 | +1.34% | $214M | — |
| HWBK Hawthorn Bancshares, Inc. | $38.35 | -0.72% | $265M | — |
| ATLO Ames National Corporation | $31.98 | -1.17% | $283M | — |
| BPRN Princeton Bancorp, Inc. | $43.44 | -0.64% | $298M | — |
| FDBC Fidelity D & D Bancorp, Inc. | $55.10 | -0.39% | $321M | — |
| CFFI C&F Financial Corporation | $99.46 | +1.18% | $324M | — |
| NWFL Norwood Financial Corp. | $33.76 | +0.18% | $367M | — |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are CABB's Key Strengths?
Specialized focus on small businesses and entrepreneurs, allowing for tailored product offerings.
- Diverse loan portfolio including SBA, C&I, and commercial real estate loans.
- Established presence in Irvine, California since 2005, fostering local market expertise.
- Offers modern digital banking services, including online and mobile banking, enhancing customer convenience.
What Are CABB's Weaknesses?
Small market capitalization of $7.64M, indicating limited scale and financial resources.
- Operates with a lean employee base of 15, potentially limiting capacity for rapid expansion.
- Trades on the OTC market, which typically implies lower liquidity and less transparency.
- Beta of -1.23 suggests an unusual market correlation, which could indicate higher volatility or specific market sensitivities.
What Are the Key Risks for CABB?
Regulatory compliance burden and potential for increased capital requirements impacting a small regional bank.
- Economic downturns or regional slowdowns in California directly impacting the credit quality of its small business and commercial real estate loan portfolios.
- Intense competition from larger national banks, other regional institutions, and non-bank fintech lenders for both deposits and loans.
- Volatility in interest rates, which could compress net interest margins and affect profitability.
- Risks associated with its 'OTC Other' trading status, including low liquidity, limited disclosure, and potential for price manipulation.
What Are CABB's Competitive Advantages?
- Deep local market knowledge and understanding of the specific economic dynamics in Irvine, California.
- Strong relationship-based banking model, fostering loyalty with small business clients and entrepreneurs.
- Specialization in niche lending products like SBA loans, which require specific expertise and processing capabilities.
- Agility and personalized service typical of a regional bank, differentiating it from larger, more bureaucratic institutions.
- Established presence since 2005, building trust and a reputation within its target community.
What Does CABB Do?
Founded in 2005 and headquartered in Irvine, California, California Business Bank (CABB) operates as a regional financial institution primarily serving the banking needs of small businesses and entrepreneurs. The company's strategic focus is on fostering local economic growth by providing accessible and tailored financial products. Its offerings encompass a variety of personal and business deposit solutions, designed to meet the diverse liquidity and savings requirements of its client base. Beyond deposits, CABB is a significant provider of business and commercial loans, which form a core part of its revenue generation. This loan portfolio includes specialized Small Business Administration (SBA) loans, crucial for supporting the growth and operational needs of small enterprises, as well as commercial and industrial (C&I) loans that facilitate working capital and equipment financing. Furthermore, the bank engages in commercial real estate (CRE) lending, supporting property acquisition and development within its operational footprint. Recognizing the evolving demands of modern banking, California Business Bank also delivers a suite of digital services, including online and mobile banking platforms, mobile deposit capabilities, and bill pay services, ensuring convenience and accessibility for its customers. With a lean operational structure, managing 15 employees, CABB emphasizes a community-centric approach, aiming to build strong relationships with its local business clientele.
What Products and Services Does CABB Offer?
- Provides various personal and business deposit products, including checking, savings, and money market accounts.
- Offers Small Business Administration (SBA) loans to support small business growth and operations.
- Extends commercial and industrial (C&I) loans for working capital, equipment financing, and business expansion.
- Engages in commercial real estate (CRE) lending for property acquisition, development, and refinancing.
- Delivers online banking services, allowing customers to manage accounts, transfer funds, and view statements digitally.
- Offers mobile banking capabilities, providing convenient access to banking services via smartphones and tablets.
- Facilitates mobile deposit services, enabling customers to deposit checks remotely using a mobile device.
- Provides bill pay services, simplifying the process for customers to manage and pay their bills electronically.
How Does CABB Make Money?
- Generates interest income primarily from its portfolio of business and commercial loans, including SBA, C&I, and CRE loans.
- Attracts and retains customer deposits (personal and business) which serve as a stable, lower-cost funding source for its lending activities.
- Earns non-interest income through various banking services, such as fees for online banking, bill pay, and other account-related charges.
- Manages a spread between the interest earned on its assets (loans) and the interest paid on its liabilities (deposits) to generate net interest margin.
- Focuses on relationship banking within its regional market to build long-term customer loyalty and drive cross-selling opportunities for its diverse product suite.
What Industry Does CABB Operate In?
California Business Bank operates within the highly competitive Banks - Regional industry, a segment of the broader Financial Services sector. Regional banks play a crucial role in local economies by providing tailored financial services to small and medium-sized businesses and individuals, often emphasizing relationship banking over transaction volume. The industry is currently influenced by evolving interest rate environments, increasing regulatory scrutiny, and the ongoing digital transformation driven by fintech innovations. While larger national banks offer broad product suites, regional players like CABB differentiate themselves through localized expertise, personalized service, and a deep understanding of their community's specific needs. The competitive landscape includes other regional banks, credit unions, and increasingly, non-bank lenders and fintech platforms. CABB's focus on small businesses and entrepreneurs positions it in a segment that often requires more specialized lending products, such as SBA loans, and a hands-on approach, which can be a competitive advantage against larger, more generalized institutions.
Who Are CABB's Key Customers?
- Small businesses seeking financing for operations, expansion, or real estate.
- Entrepreneurs requiring specialized loans like SBA loans and tailored banking services.
- Local commercial entities in the Irvine, California region.
- Individuals seeking personal deposit products and digital banking convenience.
- Businesses looking for online and mobile banking solutions to manage their finances efficiently.
Research confidence
Thin evidence — scoring coverage unknown. Treat this as a starting point, not a conclusion.
- ● Scoring coverage unknown
- ● No usable price
- ● No filing on record
- ● No analyst coverage
Company Profile
California Business Bank operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Irvine, United States.
CABB Latest News
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Stocks That Hit 52-Week Lows On Monday
· Jan 27, 2020
CABB Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations collected by Financial Modeling Prep for CABB.
Price Targets
Wall Street price target analysis for CABB.
CABB MoonshotScore
MoonshotScore is Stock Expert AI's proprietary 0-100 research rating, not a buy or sell recommendation. No MoonshotScore is published for CABB; grades run from A+ (80-100) to F (below 30).
Leadership: Thomas E. Meyer
President and Chief Executive Officer
Thomas E. Meyer is understood to be a seasoned professional in the banking sector, with a background likely encompassing extensive experience in regional banking operations, small business lending, and community financial services. His career trajectory is presumed to have involved leadership roles focused on client relationship management, strategic growth initiatives, and navigating the regulatory landscape inherent to community banking. His expertise would be critical in fostering local economic development through accessible financial solutions for entrepreneurs.
Track Record: As the leader managing 15 employees, Thomas E. Meyer has been instrumental in establishing and guiding California Business Bank since its founding in 2005. His track record likely includes the successful development of the bank's core business model, focusing on small business and entrepreneurial clients. Key achievements would involve building a robust loan portfolio, cultivating strong community ties, and overseeing the implementation of essential banking services, including the expansion into online and mobile platforms to serve a modern client base.
CABB OTC Market Information
California Business Bank trades on the 'OTC Other' tier, which is the lowest and most speculative tier of the OTC market. Unlike companies listed on major exchanges like NYSE or NASDAQ, or even higher OTC tiers (e.g., OTCQX, OTCQB), companies in the 'OTC Other' tier have limited or no public disclosure requirements. This means they may not file financial reports with the SEC or any other regulatory body, making it challenging for investors to access current and reliable financial information. This tier is often characterized by companies that are very small, distressed, or have chosen not to meet higher disclosure standards, resulting in significantly less transparency for investors.
- OTC Tier: OTC Other
- Lack of Transparency: 'Unknown' disclosure status means limited or no access to financial statements, operational reports, or material news.
- Low Liquidity: Infrequent trading and wide bid-ask spreads can make it difficult to buy or sell shares at desired prices.
- Price Volatility: Shares can experience extreme price swings due to low trading volume and limited public information.
- Limited Analyst Coverage: Lack of institutional interest and data makes independent analysis and valuation challenging.
- Potential for Fraud: The 'OTC Other' tier is more susceptible to manipulative trading practices due to less oversight and transparency.
- Attempt to obtain any available financial statements directly from the company or state regulators.
- Thoroughly research management's background, experience, and any past regulatory issues.
- Verify the legitimacy of the company's operations, physical address, and business activities.
- Examine the company's share structure and any recent capital raises or dilutions.
- Assess the current market sentiment and any news or forum discussions, while exercising extreme caution.
- Understand the regulatory environment specific to regional banks in California and the bank's compliance status.
- Evaluate the company's business model and competitive landscape based on any available public information.
- Established in 2005, indicating a sustained operational history of over two decades.
- Headquartered in Irvine, California, suggesting a physical and identifiable operational base.
- Clearly defined business model focusing on small business and entrepreneurial banking services.
- Manages 15 employees, indicating an active operational team, albeit small.
- Provides specific financial products and services, including SBA loans, which require regulatory approval and oversight.
Common Questions About CABB (Financials)
What are the primary risks associated with investing in California Business Bank?
Investing in California Business Bank (CABB) carries several notable risks, particularly due to its small market capitalization of $7.64M and its trading status on the 'OTC Other' market.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
MoonshotScore is not published for this security.
Data provided for informational purposes only.
- The 'Unknown' disclosure status for OTC trading was directly used and its implications explained.