Bank of San Francisco Past Earnings Performance
Past criteria checks 5/6
Bank of San Francisco has been growing earnings at an average annual rate of 8.4%, while the Banks industry saw earnings growing at 7% annually. Revenues have been growing at an average rate of 8.7% per year. Bank of San Francisco's return on equity is 8.8%, and it has net margins of 27.5%.
Key information
8.4%
Earnings growth rate
7.6%
EPS growth rate
| Banks Industry Growth | 11.2% |
| Revenue growth rate | 8.7% |
| Return on equity | 8.8% |
| Net Margin | 27.5% |
| Last Earnings Update | 30 Sep 2024 |
Recent past performance updates
No updates
Recent updates
No updates
Revenue & Expenses Breakdown
How Bank of San Francisco makes and spends money. Based on latest reported earnings, on an LTM basis.
Earnings and Revenue History
| Date | Revenue | Earnings | G+A Expenses | R&D Expenses |
|---|---|---|---|---|
| 30 Sep 24 | 24 | 7 | 12 | 0 |
| 30 Jun 24 | 23 | 6 | 12 | 0 |
| 31 Mar 24 | 23 | 7 | 11 | 0 |
| 31 Dec 23 | 22 | 7 | 11 | 0 |
| 30 Sep 23 | 20 | 5 | 10 | 0 |
| 31 Mar 23 | 20 | 6 | 11 | 0 |
| 31 Dec 22 | 20 | 6 | 10 | 0 |
| 30 Sep 22 | 23 | 8 | 10 | 0 |
| 31 Mar 22 | 24 | 8 | 10 | 0 |
| 31 Dec 21 | 24 | 9 | 10 | 0 |
| 30 Sep 21 | 24 | 9 | 9 | 0 |
| 30 Jun 21 | 22 | 7 | 9 | 0 |
| 31 Mar 21 | 19 | 6 | 8 | 0 |
| 31 Dec 20 | 16 | 5 | 8 | 0 |
| 30 Sep 20 | 15 | 4 | 8 | 0 |
| 30 Jun 20 | 15 | 4 | 8 | 0 |
| 31 Mar 20 | 15 | 4 | 8 | 0 |
| 31 Dec 19 | 15 | 4 | 8 | 0 |
| 30 Sep 19 | 14 | 4 | 8 | 0 |
| 30 Jun 19 | 14 | 4 | 8 | 0 |
| 31 Mar 19 | 14 | 4 | 8 | 0 |
| 31 Dec 18 | 13 | 3 | 7 | 0 |
| 30 Sep 18 | 12 | 2 | 7 | 0 |
| 30 Jun 18 | 11 | 2 | 7 | 0 |
| 31 Mar 18 | 10 | 1 | 6 | 0 |
| 31 Dec 17 | 10 | 1 | 6 | 0 |
| 31 Dec 16 | 9 | 2 | 6 | 0 |
| 31 Dec 15 | 8 | 1 | 5 | 0 |
Quality Earnings: BSFO has high quality earnings.
Growing Profit Margin: BSFO's current net profit margins (27.5%) are higher than last year (27.4%).
Free Cash Flow vs Earnings Analysis
Past Earnings Growth Analysis
Earnings Trend: BSFO's earnings have grown by 8.4% per year over the past 5 years.
Accelerating Growth: BSFO's earnings growth over the past year (19.3%) exceeds its 5-year average (8.4% per year).
Earnings vs Industry: BSFO earnings growth over the past year (19.3%) exceeded the Banks industry -11.8%.
Return on Equity
High ROE: BSFO's Return on Equity (8.8%) is considered low.