Bank San Francisco California NEW (BSFO) AI Stock Analysis

Bank San Francisco California NEW

(Other OTC:BSFO)

Select Model

Rating:73Outperform

Price Target:$49.00▲(12.67% Upside)

Action:reiterated

Date:08/07/26

The stock scores 73, reflecting a solid financial foundation with a strong balance sheet and consistent cash flows, offset somewhat by recent margin pressure. Technicals are mixed but suggest the long-term trend remains upward. Valuation appears fair. The company is well-capitalized and positioned for stability.

Positive Factors

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.

Negative Factors

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.

Bank San Francisco California NEW (BSFO) vs. SPDR S&P 500 ETF (SPY)

Market Cap: $96.31M
Dividend Yield: ―
Average Volume (3M): 2,015
Price to Earnings (P/E): 11.9
Beta (1Y): 0.05
Revenue Growth: 19.21%
EPS Growth: 22.37%
Country: US
Employees: 38
Sector: General
Sector Strength: 55
Industry: Banks - Regional

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, and...

How the Company Makes Money

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Bank San Francisco California NEW Financial Statement Overview

Summary

The company shows solid revenue growth but net income margin compression. Balance sheet is robust with low debt and strong equity. Cash flow generation is strong and consistent. Overall financial health is good with some margin concerns.

Income Statement

73Positive

Balance Sheet

87Very Positive

Cash Flow

78Positive

Financial statement breakdown
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	5.59M	0	0	0
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	7.03M	7.64M	9.13M	6.63M	8.55M
Operating Cash Flow	0	8.46M	7.89M	9.58M	7.98M	8.62M
Investing Cash Flow	0	-118.78M	-29.53M	18.80M	-19.58M	41.15M
Financing Cash Flow	0	106.83M	-4.69M	13.14M	-19.50M	-83.66M

Bank San Francisco California NEW Peers Comparison

Overall Rating

UnderperformOutperform

Sector (55)

Financial Indicators

BSFO against its peers
Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
BSFO	73Outperform	$95.54M	11.91	9.20%	―	19.21%	22.37%
ASRV	70Outperform	$83.42M	9.14	7.48%	2.44%	2.43%	75.47%
CLST	68Neutral	$69.99M	24.10	3.06%	―	31.73%	17.80%
Sector *	55Neutral	$6.65B	3.83	-15.92%	6.20%	10.91%	7.18%

* General Sector Average

Performance Comparison

BSFO and its peers over the selected period
Ticker	Company Name	Price	Change	% Change
BSFO	Bank San Francisco California NEW	43.49	15.49	55.32%
ASRV	AmeriServ Financial, Inc.	4.63	1.62	53.82%
CLST	Catalyst Bancorp, Inc.	17.78	3.08	20.93%

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.

Date of analysis: Aug 06, 2026

Bank San Francisco California NEW AI Stock Analysis