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Bank San Francisco California NEW
(OTC:BSFO)
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Rating:72Outperform
Price Target:
$48.00
▲(9.61% Upside)
Action:Reiterated
Date:08/07/26
BSFO scores well primarily on financial performance, led by a strengthened, low-leverage balance sheet and steady profitability, with consistently positive cash generation. The score is tempered by mixed technical conditions showing near-term weakness and only modest momentum, while valuation appears reasonable based on a ~12 P/E.
Positive Factors
Conservative balance sheet
Very 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.
Negative Factors
Declining return on equity
ROE 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.
Read all positive and negative factors
Positive Factors
Negative Factors
Conservative balance sheet
Very 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.
Read all positive factors
Bank San Francisco California NEW (BSFO) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$96.66M
Dividend YieldN/A
Average Volume (3M)517.00
Price to Earnings (P/E)11.9
Beta (1Y)0.07
Revenue Growth19.21%
EPS Growth22.37%
CountryUS
Employees38
SectorFinancial
Sector Strength70
IndustryBanks - Regional
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
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 | 40.99M | 37.00M | 25.28M | 30.23M | 25.39M | 25.18M |
| Gross Profit | 31.13M | 28.20M | 25.28M | 22.37M | 20.43M | 23.99M |
| EBITDA | 10.73M | 9.74M | 9.31M | 10.10M | 8.44M | 12.89M |
| Net Income | 7.72M | 6.78M | 6.54M | 6.93M | 5.86M | 8.99M |
Balance Sheet | ||||||
| Total Assets | 863.55M | 733.05M | 615.44M | 611.98M | 591.35M | 599.45M |
| Cash, Cash Equivalents and Short-Term Investments | 5.50M | 10.90M | 75.22M | 101.55M | 60.04M | 91.14M |
| Total Debt | 24.00M | 0.00 | 5.59M | 0.00 | 0.00 | 0.00 |
| Total Liabilities | 776.69M | 650.00M | 540.12M | 543.60M | 529.81M | 544.24M |
| Stockholders Equity | 86.86M | 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
43.63
16.51
60.86%
ASRV
Ameriserv Financial
4.80
1.92
66.55%
FSEA
First Seacoast Bancorp
17.18
5.66
49.17%
CLST
Catalyst Bancorp
17.50
4.56
35.24%
NSTS
NSTS Bancorp
13.99
2.09
17.56%
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.