BSFO Stock Overview

Provides various banking products and services to businesses, nonprofits, individuals, and families in the greater San Francisco Bay Area. More details

BSFO fundamental analysis
Snowflake Score
Valuation	3/6
Future Growth	0/6
Past Performance	5/6
Financial Health	6/6
Dividends	0/6

Rewards

Trading at 56.7% below our estimate of its fair value

Earnings grew by 19.3% over the past year

Risk Analysis

Shares are highly illiquid

Does not have a meaningful market cap ($68M)

My Notes

Capture your thoughts, links and company narrative

Bank of San Francisco Competitors

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OTCPK:CCNB

US$67.6m

Juniata Valley Financial

OTCPK:JUVF

US$66.3m

1st Colonial Bancorp

OTCPK:FCOB

US$71.1m

Farmers Bancorp (Frankfort IN)

OTCPK:FABP

US$70.4m

Price History & Performance

Summary of share price highs, lows and changes for Bank of San Francisco
Historical stock prices
Current Share Price	US$32.00
52 Week High	US$32.00
52 Week Low	US$25.50
Beta	0.13
1 Month Change	6.14%
3 Month Change	8.47%
1 Year Change	22.84%
3 Year Change	33.33%
5 Year Change	24.76%
Change since IPO	54.96%

Recent News & Updates

No updates

Recent updates

No updates

Shareholder Returns

	BSFO	US Banks	US Market
7D	1.6%	3.1%	2.8%
1Y	22.8%	29.1%	24.5%

Return vs Industry: BSFO underperformed the US Banks industry which returned 29.1% over the past year.

Return vs Market: BSFO underperformed the US Market which returned 24.5% over the past year.

Price Volatility

Is BSFO's price volatile compared to industry and market?
BSFO volatility
BSFO Average Weekly Movement	n/a
Banks Industry Average Movement	5.2%
Market Average Movement	6.3%
10% most volatile stocks in US Market	17.1%
10% least volatile stocks in US Market	3.1%

Stable Share Price: BSFO's share price has been volatile over the past 3 months compared to the US market.

Volatility Over Time: Insufficient data to determine BSFO's volatility change over the past year.

About the Company

Founded	Employees	CEO	Website
2005	n/a	Ed Obuchowski	www.bankofsf.com

Bank of San Francisco provides various banking products and services to businesses, nonprofits, individuals, and families in the greater San Francisco Bay Area. The company offers checking, savings, interest checking, and money market accounts, as well as certificates of deposit, and individual retirement accounts; home loans, including tenancy in common and co-op, single-family home and condo, condo conversion, multi-unit property loans, vacation home and investment properties, as well as home equity lines of credit; and commercial loans, such as revolving lines of credit and term, business acquisition, commercial real estate, construction, and small business administration loans, as well as medical, dental practice, and professional service firm financing. It also provides mortgage banking, online and mobile banking, ACH origination, debit and credit cards, payroll, wire transfers, foreign drafts, public notary, bill pay, and cash management services.

Bank of San Francisco Fundamentals Summary

How do Bank of San Francisco's earnings and revenue compare to its market cap?
BSFO fundamental statistics
Market cap	US$68.19m
Earnings (TTM)	US$6.52m
Revenue (TTM)	US$23.73m

10.5x

P/E Ratio

0.9x

P/B Ratio

Is BSFO overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
BSFO income statement (TTM)
Revenue	US$23.73m
Cost of Revenue	US$0
Gross Profit	US$23.73m
Other Expenses	US$17.21m
Earnings	US$6.52m

Last Reported Earnings

Sep 30, 2024

Next Earnings Date

n/a

Earnings per share (EPS)	3.06
Gross Margin	100.00%
Net Profit Margin	27.47%
Debt/Equity Ratio	0%

How did BSFO perform over the long term?

See historical performance and comparison

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2024/12/26 20:18
End of Day Share Price	2024/12/23 00:00
Earnings	2024/09/30
Annual Earnings	2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

Bank of San Francisco is covered by 0 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution