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BSFO Stock Chart & Stats
$43.79
$0.20(0.46%)
At close: 4:00 PM EDT
$43.79
$0.20(0.46%)
Day’s Range― - ―
52-Week Range$26.25 - $45.15
Previous CloseN/A
Volume500.00
Average Volume (3M)517.00
Market Cap
$96.66M
Enterprise Value$112.91
Total Cash (Recent Filing)$5.50M
Total Debt (Recent Filing)$24.00M
Price to Earnings (P/E)11.9
Beta0.07
Next Earnings
Nov 10, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)3.65
Shares Outstanding2,215,626
10 Day Avg. Volume405
30 Day Avg. Volume517
Financial Highlights & Ratios
PEG Ratio2.60
Price to Book (P/B)0.82
Price to Sales (P/S)1.84
P/FCF Ratio9.70
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
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
Bulls Say, Bears Say
Bulls Say
Conservative Balance SheetVery low leverage (debt-to-equity near zero in recent years vs high in 2020) and steadily rising equity (~$46M in 2020 to ~$83M in 2025) create durable capital buffers. This strengthens resilience to shocks, supports lending capacity and regulatory compliance over the medium term.
Consistent Cash GenerationSustained positive operating and free cash flow, including ~ $7.0M FCF in 2025, underpins internal funding for operations, strategic initiatives and capital needs. Reliable cash generation reduces dependence on external financing and supports long-term financial flexibility.
Solid Profitability And Recent Revenue ReboundDespite some margin cooling, net margins near 18% and a return to positive top-line growth in 2025 (+12.7%) indicate the franchise can generate consistent earnings. This supports retained earnings growth and the capacity to invest in the business over the medium term.
Bears Say
Declining Return On EquityROE falling from ~16% to ~8% signals reduced efficiency in converting equity into profits as the capital base grew. Lower ROE can persistently constrain shareholder returns and may pressure management to find higher-return deployments or accept slower equity growth.
Margin Compression And Revenue VolatilityA sharp margin decline and erratic revenue (notable drop in 2024 then rebound in 2025) point to structural pressures or cyclical sensitivity. Persistent margin compression or uneven top-line performance would weaken earnings visibility and limit sustainable profit growth.
Uneven Free Cash Flow GrowthWhile overall cash generation is positive, inconsistent FCF trends and a drop in cash conversion (FCF covering ~0.83 of net income in 2025) reduce predictability of internal funding. This variability can complicate capital planning, dividends and organic investment pacing.
BSFO FAQ
What was Bank San Francisco California NEW’s price range in the past 12 months?
Bank San Francisco California NEW lowest stock price was $26.25 and its highest was $45.15 in the past 12 months.
What is Bank San Francisco California NEW’s market cap?
Bank San Francisco California NEW’s market cap is $96.66M.
When is Bank San Francisco California NEW’s upcoming earnings report date?
Bank San Francisco California NEW’s upcoming earnings report date is Nov 10, 2026 which is in 74 days.
How were Bank San Francisco California NEW’s earnings last quarter?
Bank San Francisco California NEW released its earnings results on Jul 30, 2026. The company reported $0.764 earnings per share for the quarter, missing the consensus estimate of N/A by N/A.
Is Bank San Francisco California NEW overvalued?
According to Wall Street analysts Bank San Francisco California NEW’s price is currently Overvalued.
Does Bank San Francisco California NEW pay dividends?
Bank San Francisco California NEW does not currently pay dividends.
What is Bank San Francisco California NEW’s EPS estimate?
Bank San Francisco California NEW’s EPS estimate for its next earnings report is not yet available.
How many shares outstanding does Bank San Francisco California NEW have?
Bank San Francisco California NEW has 2,215,626 shares outstanding.
What happened to Bank San Francisco California NEW’s price movement after its last earnings report?
Bank San Francisco California NEW reported an EPS of $0.764 in its last earnings report, missing expectations of N/A. Following the earnings report the stock price went up 1.793%.
Which hedge fund is a major shareholder of Bank San Francisco California NEW?
Currently, no hedge funds are holding shares in BSFO
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Bank San Francisco California NEW Stock Smart Score
Neutral
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10
Technicals
SMA
Negative
20 days / 200 days
Momentum
-3.69%
12-Months-Change
Fundamentals
Return on Equity
―
Trailing 12-Months
Asset Growth
28.52%
Trailing 12-Months
Company Description
Bank San Francisco California NEW
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, and both private individuals and families. For personal customers, the bank offers various deposit accounts such as standard and interest-bearing checking, savings, and money market options, alongside certificates of deposit (CDs) and individual retirement accounts (IRAs). Their lending solutions for individuals encompass financing for tenancy in common (TIC) and co-op arrangements, single-family homes and condominiums, condo conversions, multi-unit properties, and loans for vacation or investment properties. Additional personal banking conveniences include online and mobile banking, bill payment services, debit and credit cards, wire transfers, foreign draft processing, public notary services, and direct deposit capabilities. The bank further extends a variety of commercial lending options. These include revolving lines of credit, financing for business acquisitions, specialized funding for medical, dental, and professional service practices, commercial real estate and construction loans, and Small Business Administration (SBA) guaranteed loans. Established in 2005, the Bank of San Francisco maintains its headquarters in San Francisco, California.
Technical Analysis
Ownership Overview
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Insiders
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Mutual Funds
5.28% Other Institutional Investors
94.72% Public Companies and
Individual Investors