OTCPK:BSFO

Stock Analysis Report

Bank of San Francisco

Executive Summary

Bank of San Francisco provides personal and business banking products and services to businesses, nonprofit organizations, individuals, and families in the greater San Francisco Bay Area.

Snowflake

Fundamentals

Proven track record with adequate balance sheet.

Share Price & News

How has Bank of San Francisco's share price performed over time and what events caused price changes?


Latest Share Price and Events


Market Performance


7 Day Return

0%

BSFO

1.4%

US Banks

1.0%

US Market


1 Year Return

n/a

BSFO

0.2%

US Banks

6.7%

US Market

Return vs Industry: Insufficient data to determine how BSFO performed against the US Banks industry.

Return vs Market: Insufficient data to determine how BSFO performed against the US Market.


Share holder returns

BSFOIndustryMarket
7 Day0%1.4%1.0%
30 Day0.6%-2.6%-1.8%
90 Day-1.5%0.8%-1.8%
1 Yearn/a3.1%0.2%9.1%6.7%
3 Yearn/a52.0%41.5%46.1%36.6%
5 Yearn/a69.7%51.2%66.9%48.6%

Price Volatility Vs. Market

How volatile is Bank of San Francisco's share price compared to the market and industry in the last 5 years?


Simply Wall St News

No news available

Valuation

Is Bank of San Francisco undervalued based on future cash flows and its price relative to the stock market?

13.36x

Price to Earnings (PE) ratio


Intrinsic Value Based on Future Cash Flows

Undervalued: BSFO ($24.87) is trading above our estimate of fair value ($11.73)

Significantly Undervalued: BSFO is trading above our estimate of fair value.


Price Based on Earnings

PE vs Industry: BSFO is poor value based on its PE Ratio (13.4x) compared to the Banks industry average (12.5x).

PE vs Market: BSFO is good value based on its PE Ratio (13.4x) compared to the US market (17.5x).


Price Based on Expected Growth

Low PEG Ratio: Insufficient data to calculate BSFO's PEG Ratio to determine if it is good value.


Price Based on Value of Assets

PB vs Industry: BSFO is overvalued based on its PB Ratio (1.3x) compared to the US Banks industry average (1.2x).


Next Steps

Future Growth

How is Bank of San Francisco expected to perform in the next 1 to 3 years based on estimates from 0 analysts?

8.7%

Forecasted annual earnings growth


Earnings and Revenue Growth Estimates


Future Annual Growth Analysis

Earnings vs Savings Rate: BSFO's forecast earnings growth (8.7% per year) is above the savings rate (2.7%).

Earnings vs Market: BSFO's earnings (8.7% per year) are forecast to grow slower than the US market (14.5% per year).

High Growth Earnings: BSFO's earnings are forecast to grow, but not significantly.

Revenue vs Market: Insufficient data to determine if BSFO's revenue is forecast to grow faster than the US market.

High Growth Revenue: Insufficient data to determine if BSFO's revenue is forecast to grow faster than 20% per year.


Earnings per Share Growth Estimates


Future Return on Equity

High Future ROE: Insufficient data to determine if BSFO's Return on Equity is forecast to be high in 3 years time


Next Steps

Past Performance

How has Bank of San Francisco performed over the past 5 years?

32.0%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

Earnings Trend: BSFO's earnings have grown significantly by 32% per year over the past 5 years.

Accelerating Growth: BSFO's earnings growth over the past year (99.7%) exceeds its 5-year average (32% per year).

Earnings vs Industry: BSFO earnings growth over the past year (99.7%) exceeded the Banks industry 31.8%.


Return on Equity

High ROE: BSFO's Return on Equity (9.7%) is considered low.


Return on Assets

ROA vs Industry: BSFO has a higher Return on Assets than the Banks industry average last year.


Return on Capital Employed

ROCE Improving: Insufficient data to calculate BSFO's Return on Capital Employed to determine if it has improved over the past 3 years.


Next Steps

Financial Health

How is Bank of San Francisco's financial position? (This company is analysed differently as a bank or financial institution)


Financial Position Analysis


Debt to Equity History and Analysis


Balance Sheet

Inventory Level: BSFO has a low level of unsold assets or inventory.

Debt Coverage by Assets: Insufficient data to determine if BSFO's debt is covered by short term assets.


Financial Institutions Analysis

Asset Level: BSFO's level of assets compared to its equity is low.

Allowance for Bad Loans: Insufficient data to determine if BSFO has a sufficient allowance for bad loans.

Low Risk Liabilities: BSFO's liabilities are made up of primarily low risk sources of funding.

Loan Level: BSFO has an acceptable proportion of non-loan assets held.

Low Risk Deposits: BSFO's loans are broadly funded by customer deposits.

Level of Bad Loans: Insufficient data to determine if BSFO has an appropriate level of bad loans.


Next Steps

Dividend

What is Bank of San Francisco's current dividend yield, its reliability and sustainability?


Dividend Yield vs Market

companyn/amarketbottom25%1.5%markettop25%3.8%industryaverage2.5%forecastin3Yearsn/a

Current dividend yield vs market & industry


Dividend Yield and Payments Analysis

Notable Dividend: Unable to evaluate BSFO's dividend yield against the bottom 25% of dividend payers, as the company has not reported any payouts.

High Dividend: Unable to evaluate BSFO's dividend yield against the top 25% of dividend payers, as the company has not reported any payouts.

Stable Dividend: Insufficient data to determine if BSFO's dividends per share have been stable in the past.

Growing Dividend: Insufficient data to determine if BSFO's dividend payments have been increasing.


Current Payout to Shareholders

Dividend Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.


Future Payout to Shareholders

Future Dividend Coverage: No need to calculate the sustainability of BSFO's dividend in 3 years as they are not forecast to pay a notable one for the US market.


Next Steps

Management

What is the CEO of Bank of San Francisco's salary, the management and board of directors tenure and is there insider trading?

4.3yrs

Average management tenure


CEO

Ed Obuchowski 0

0yrs

Tenure

0

Mr. Edward C. Obuchowski, Ed serves as the Chief Executive Officer and Director of Bank of San Francisco. Mr. Obuchowski is a 30-year career banker, having worked his entire career in the San Francisco Bay ...


Management Age and Tenure

4.3yrs

Average Tenure

Experienced Management: BSFO's management team is considered experienced (4.3 years average tenure).


Insider Trading

Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.


Management Team

  • John Verdoia

    Senior Vice President

    • Tenure: 0yrs
  • Ed Obuchowski

    CEO & Director

    • Tenure: 0yrs
  • Wendy Ross

    President & Director

    • Tenure: 0yrs
  • Dilan Desai

    Senior Vice President of Personal Banking

    • Tenure: 7.6yrs
  • Juanna Collin

    Executive VP & COO

    • Tenure: 6.8yrs
  • Samuel Clonmell

    Senior Vice President

    • Tenure: 1.8yrs
  • Tim Rosenthal

    Senior Vice President

    • Tenure: 0yrs
  • Ike Ogata

    Senior Vice President

    • Tenure: 0yrs
  • Felix Miranda

    Executive VP & Commercial Banking Manager

    • Tenure: 0yrs
  • Jennifer Corr

    Executive VP

    • Tenure: 0.8yrs

Board Members

  • Roberta Achtenberg

    Vice Chairman of The Board

    • Tenure: 0yrs
  • Dan Edelman (70yo)

    Director

    • Tenure: 0yrs
  • George Vukasin

    Director

    • Tenure: 0yrs
  • Ed Obuchowski

    CEO & Director

    • Tenure: 0yrs
  • Joseph Cristiano

    Chairman of the Board

    • Tenure: 12.5yrs
  • Kelly McCown

    Director

    • Tenure: 0yrs
  • Susan Morse

    Member of Advisory Council

    • Tenure: 0yrs
  • Jay Shaffer

    Director

    • Tenure: 0yrs
  • Wendy Ross

    President & Director

    • Tenure: 0yrs
  • Arthur Louie

    Member of Advisory Council

    • Tenure: 0yrs

Company Information

Bank of San Francisco's company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Bank of San Francisco
  • Ticker: BSFO
  • Exchange: OTCPK
  • Founded: 2005
  • Industry: Regional Banks
  • Sector: Banks
  • Market Cap: US$50.262m
  • Shares outstanding: 2.02m
  • Website: https://www.bankofsf.com

Location

  • Bank of San Francisco
  • 575 Market Street
  • Suite 900
  • San Francisco
  • California
  • 94105
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
BSFOOTCPK (Pink Sheets LLC)YesCommon StockUSUSDAug 2018

Biography

Bank of San Francisco provides personal and business banking products and services to businesses, nonprofit organizations, individuals, and families in the greater San Francisco Bay Area. The company’s per ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/10/14 03:28
End of Day Share Price2019/10/11 00:00
Earnings2019/06/30
Annual Earnings2018/12/31


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.

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