Bank San Francisco California NEW (BSFO)
OTHER OTC:BSFO
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Bank San Francisco California NEW
(OTC:BSFO)
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Rating:77Outperform
Price Target:
$50.00
▲(32.45% Upside)
Action:N/A
Date:05/06/26
The score is driven primarily by solid financial quality (low leverage, growing equity, and positive cash generation) and an attractive valuation (low P/E). These positives are tempered by stretched technical momentum signals (high RSI and Stoch), which suggest elevated near-term pullback risk, plus financial watch items including margin compression and uneven revenue trends.
Positive Factors
Conservative balance sheet & capital growth
The bank's very low leverage and steadily growing equity provide durable financial resilience. A stronger capital base reduces regulatory and credit risk, supports lending capacity and loss absorption, and gives management flexibility to pursue growth or weather stress without needing urgent external financing.
Negative Factors
Margin compression
A notable decline in net margins indicates pressure on core profitability that can persist absent structural fixes. Lower margins reduce free cash flow conversion and ROE, constrain reinvestment and dividend flexibility, and make earnings more sensitive to credit or funding cost shifts over time.
Read all positive and negative factors
Positive Factors
Negative Factors
Conservative balance sheet & capital growth
The bank's very low leverage and steadily growing equity provide durable financial resilience. A stronger capital base reduces regulatory and credit risk, supports lending capacity and loss absorption, and gives management flexibility to pursue growth or weather stress without needing urgent external financing.
Read all positive factors
Bank San Francisco California NEW (BSFO) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$87.00M
Dividend YieldN/A
Average Volume (3M)517.00
Price to Earnings (P/E)11.8
Beta (1Y)0.08
Revenue Growth13.88%
EPS Growth23.38%
CountryUS
Employees38
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)2.98
Shares Outstanding2,021,003
10 Day Avg. Volume405
30 Day Avg. Volume517
Financial Highlights & Ratios
PEG Ratio3.95
Price to Book (P/B)0.82
Price to Sales (P/S)1.84
P/FCF Ratio9.70
Enterprise Value/Market Cap0.03
Enterprise Value/Revenue0.08
Enterprise Value/Gross Profit0.09
Enterprise Value/Ebitda0.28
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Bank San Francisco California NEW Business Overview & Revenue Model
Company Description
Operating within the greater San Francisco Bay Area, the Bank of San Francisco delivers a wide array of financial solutions and services. Its diverse clientele includes businesses, nonprofit organizations, individual entrepreneurs, professionals, ...
How the Company Makes Money
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Bank San Francisco California NEW Financial Statement Overview
Summary
Income Statement
76
Positive
Balance Sheet
84
Very Positive
Cash Flow
73
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 32.83M | 37.00M | 25.28M | 30.23M | 25.39M | 25.18M |
| Gross Profit | 26.35M | 28.20M | 25.28M | 22.37M | 20.43M | 23.99M |
| EBITDA | 8.88M | 9.74M | 9.31M | 10.10M | 8.44M | 12.89M |
| Net Income | 6.23M | 6.78M | 6.54M | 6.93M | 5.86M | 8.99M |
Balance Sheet | ||||||
| Total Assets | 671.91M | 733.05M | 615.44M | 611.98M | 591.35M | 599.45M |
| Cash, Cash Equivalents and Short-Term Investments | 109.15M | 10.90M | 75.22M | 101.55M | 60.04M | 91.14M |
| Total Debt | 0.00 | 0.00 | 5.59M | 0.00 | 0.00 | 0.00 |
| Total Liabilities | 593.39M | 650.00M | 540.12M | 543.60M | 529.81M | 544.24M |
| Stockholders Equity | 78.52M | 83.06M | 75.32M | 68.37M | 61.54M | 55.21M |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 7.03M | 7.64M | 9.13M | 6.63M | 8.55M |
| Operating Cash Flow | 0.00 | 8.46M | 7.89M | 9.58M | 7.98M | 8.62M |
| Investing Cash Flow | 0.00 | -118.78M | -29.53M | 18.80M | -19.58M | 41.15M |
| Financing Cash Flow | 0.00 | 106.83M | -4.69M | 13.14M | -19.50M | -83.66M |
Bank San Francisco California NEW Peers Comparison
UnderperformOutperform
Sector (68)
BSFO
Bank San Francisco California NEW
43.05
15.30
55.14%
ASRV
Ameriserv Financial
3.89
1.06
37.31%
FSEA
First Seacoast Bancorp
16.77
5.42
47.75%
CLST
Catalyst Bancorp
16.43
4.20
34.34%
NSTS
NSTS Bancorp
13.74
1.34
10.81%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.