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Golden State Bancorp (GSBX)
OTHER OTC:GSBX
US Market
GSBX
Golden State Bancorp
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Golden State Bancorp (GSBX) Ratios

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Golden State Bancorp Ratios

GSBX's free cash flow for Q2 2026 was $0.59. For the 2026 fiscal year, GSBX's free cash flow was decreased by $ and operating cash flow was $0.25. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
 0.00 0.15 0.17 205.06 0.14
Quick Ratio
 0.00 0.15 0.17 205.06 0.14
Cash Ratio
 0.00 0.15 0.17 205.06 0.14
Solvency Ratio
 0.01 0.01 0.01 0.01 0.01
Operating Cash Flow Ratio
 0.00 0.01 0.01 13.03 0.02
Short-Term Operating Cash Flow Coverage
 0.00 0.00 0.00 18.10 0.00
Net Current Asset Value
$ -908.57M$ -748.99M$ -647.70M$ -527.84M$ -518.20M
Leverage Ratios
Debt-to-Assets Ratio
 0.05 0.06 0.06 0.06 0.04
Debt-to-Equity Ratio
 0.62 0.73 0.68 0.72 0.52
Debt-to-Capital Ratio
 0.38 0.42 0.41 0.42 0.34
Long-Term Debt-to-Capital Ratio
 0.36 0.42 0.41 0.40 0.34
Financial Leverage Ratio
 11.35 11.72 11.73 11.64 11.90
Debt Service Coverage Ratio
 0.37 0.35 0.31 0.44 1.40
Interest Coverage Ratio
 0.52 0.48 0.40 0.65 1.89
Debt to Market Cap
 0.69 0.69 0.65 0.71 0.66
Interest Debt Per Share
 29.67 31.61 27.75 23.99 14.22
Net Debt to EBITDA
 3.40 -4.69 -6.71 -8.70 -4.28
Profitability Margins
Gross Profit Margin
57.57%56.05%53.54%61.80%81.45%
EBIT Margin
22.10%21.06%18.44%24.70%35.13%
EBITDA Margin
22.10%21.65%18.44%24.70%36.19%
Operating Profit Margin
22.10%21.06%18.44%24.70%35.13%
Pretax Profit Margin
22.10%21.06%18.44%24.70%35.13%
Net Profit Margin
15.70%14.81%14.53%17.44%24.83%
Continuous Operations Profit Margin
15.70%14.81%14.53%17.44%24.83%
Net Income Per EBT
71.03%70.34%78.78%70.60%70.67%
EBT Per EBIT
100.00%100.00%100.00%100.00%100.00%
Return on Assets (ROA)
1.05%0.98%0.97%1.04%1.18%
Return on Equity (ROE)
12.65%11.46%11.38%12.16%14.10%
Return on Capital Employed (ROCE)
1.48%9.06%8.30%1.48%12.42%
Return on Invested Capital (ROIC)
1.05%6.38%6.54%1.05%8.77%
Return on Tangible Assets
1.05%0.98%0.97%1.04%1.18%
Earnings Yield
9.55%10.75%10.90%12.87%17.89%
Efficiency Ratios
Receivables Turnover
 0.00 0.00 0.00 0.00 0.00
Payables Turnover
 0.00 0.00 0.00 0.00 0.00
Inventory Turnover
 0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
 11.19 11.09 14.28 9.83 19.62
Asset Turnover
 0.07 0.07 0.07 0.06 0.05
Working Capital Turnover Ratio
 -0.16 -0.10 -0.24 -0.25 -0.08
Cash Conversion Cycle
 0.00 0.00 0.00 0.00 0.00
Days of Sales Outstanding
 0.00 0.00 0.00 0.00 0.00
Days of Inventory Outstanding
 0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
 0.00 0.00 0.00 0.00 0.00
Operating Cycle
 0.00 0.00 0.00 0.00 0.00
Cash Flow Ratios
Operating Cash Flow Per Share
 0.00 4.30 3.53 3.43 4.65
Free Cash Flow Per Share
 0.00 4.30 3.44 2.94 4.63
CapEx Per Share
 0.00 0.00 0.09 0.49 0.01
Free Cash Flow to Operating Cash Flow
 0.00 1.00 0.97 0.86 1.00
Dividend Paid and CapEx Coverage Ratio
 0.00 0.00 39.49 7.00 338.52
Capital Expenditure Coverage Ratio
 0.00 0.00 39.49 7.00 338.52
Operating Cash Flow Coverage Ratio
 0.00 0.20 0.20 0.20 0.39
Operating Cash Flow to Sales Ratio
 0.00 0.19 0.17 0.20 0.36
Free Cash Flow Yield
0.00%13.69%12.42%12.79%25.74%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 10.42 9.29 9.18 7.77 5.59
Price-to-Sales (P/S) Ratio
 1.08 1.38 1.33 1.35 1.39
Price-to-Book (P/B) Ratio
 1.25 1.07 1.04 0.94 0.79
Price-to-Free Cash Flow (P/FCF) Ratio
 0.00 7.30 8.05 7.82 3.88
Price-to-Operating Cash Flow Ratio
 0.00 7.30 7.85 6.70 3.87
Price-to-Earnings Growth (PEG) Ratio
 5.52 0.69 4.53 -0.96 0.08
Price-to-Fair Value
 1.25 1.07 1.04 0.94 0.79
Enterprise Value Multiple
 8.28 1.67 0.51 -3.22 -0.44
Enterprise Value
 122.70M 22.79M 5.29M -34.72M -4.97M
EV to EBITDA
 8.28 1.67 0.51 -3.22 -0.44
EV to Sales
 1.83 0.36 0.09 -0.79 -0.16
EV to Free Cash Flow
 0.00 1.92 0.57 -4.58 -0.45
EV to Operating Cash Flow
 0.00 1.92 0.56 -3.93 -0.45
Tangible Book Value Per Share
 31.55 29.48 26.55 24.34 22.84
Shareholders’ Equity Per Share
 31.55 29.48 26.55 24.34 22.84
Tax and Other Ratios
Effective Tax Rate
 0.29 0.30 0.21 0.29 0.29
Revenue Per Share
 23.98 22.79 20.79 16.98 12.97
Net Income Per Share
 3.76 3.38 3.02 2.96 3.22
Tax Burden
 0.71 0.70 0.79 0.71 0.71
Interest Burden
 1.00 1.00 1.00 1.00 1.00
Research & Development to Revenue
 0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
 0.00 0.03 0.20 0.00 0.00
Stock-Based Compensation to Revenue
 0.01 0.01 0.00 <0.01 0.01
Income Quality
 0.00 1.27 1.17 1.16 1.44
Currency in USD