Bank San Francisco California NEW (BSFO) AI Stock Analysis

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Bank San Francisco California NEW

(Other OTC:BSFO)

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Rating:76Outperform

Price Target:$49.00▲(13.23% Upside)

Action:reiterated

Date:11/07/26

BSFO earns a solid overall score primarily driven by a pristine, zero-debt balance sheet and strong cash flow generation. A favorable valuation with an attractive P/E ratio and positive technical momentum further support the rating. However, the absence of a dividend yield and recent profit margin contraction act as the primary constraints on a higher score.

Positive Factors

Conservative Balance SheetVery low leverage and sustained equity growth provide a durable capital cushion for the bank. This strengthens resilience, limits balance-sheet strain, and gives management greater flexibility to support lending and absorb setbacks over the next several quarters.

Negative Factors

Margin CompressionFalling net margins indicate that less profit is being generated from each dollar of revenue than in prior periods. If this pressure persists, it could limit earnings growth, reduce internal capital accumulation, and weaken the efficiency of future expansion.

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

Market Cap: $96.37M
Dividend Yield: ―
Average Volume (3M): 855
Price to Earnings (P/E): 11.3
Beta (1Y): 0.00
Revenue Growth: 26.21%
EPS Growth: 29.88%
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...

Bank San Francisco California NEW Financial Statement Overview

Summary

Bank San Francisco California NEW demonstrates a highly resilient financial profile with a pristine, zero-debt balance sheet and strong liquidity. Excellent earnings quality and cash flows offset recent margin compression and stagnant bottom-line growth.

Income Statement

68Positive

Balance Sheet

88Very Positive

Cash Flow

82Very Positive

Financial statement breakdown
Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	44.28M	37.00M	25.28M	30.23M	25.39M	25.18M
Gross Profit	32.79M	28.20M	25.28M	22.37M	20.43M	23.99M
EBITDA	11.29M	9.74M	9.31M	10.10M	8.44M	12.89M
Net Income	8.14M	6.78M	6.54M	6.93M	5.86M	8.99M
Balance Sheet
Total Assets	930.42M	733.05M	615.44M	611.98M	591.35M	599.45M
Cash, Cash Equivalents and Short-Term Investments	8.05M	10.90M	75.22M	101.55M	60.04M	91.14M
Total Debt	0	0	5.59M	0	0	0
Total Liabilities	841.11M	650.00M	540.12M	543.60M	529.81M	544.24M
Stockholders Equity	89.30M	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 Technical Analysis

Technical Analysis SentimentNeutral

Last Price43.27

Price Trends

50DMA43.11Positive

100DMA43.46Negative

200DMA41.35Positive

Market Momentum

MACD0.08Negative

RSI50.43Neutral

STOCH32.45Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For BSFO, the sentiment is Neutral. The current price of 43.27 is below the 20-day moving average (MA) of 43.29, above the 50-day MA of 43.11, and above the 200-day MA of 41.35, indicating a neutral trend. The MACD of 0.08 indicates Negative momentum. The RSI at 50.43 is Neutral, neither overbought nor oversold. The STOCH value of 32.45 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for BSFO.

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	76Outperform	$96.38M	11.33	9.46%	―	26.21%	29.88%
CLST	68Neutral	$71.09M	24.30	3.06%	―	31.73%	17.80%
ASRV	66Neutral	$80.36M	9.12	7.48%	2.45%	2.43%	75.47%
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	43.27	12.77	41.89%
ASRV	AmeriServ Financial, Inc.	4.90	1.96	66.55%
CLST	Catalyst Bancorp, Inc.	17.38	2.60	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.

Date of analysis: Nov 07, 2026

Bank San Francisco California NEW AI Stock Analysis