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

OTCPK:BSFO Revenue, expenses and earnings (USD Millions)
Date	Revenue	Earnings	G+A Expenses
30 Sep 24	24	7	12
30 Jun 24	23	6	12
31 Mar 24	23	7	11
31 Dec 23	22	7	11
30 Sep 23	20	5	10
31 Mar 23	20	6	11
31 Dec 22	20	6	10
30 Sep 22	23	8	10
31 Mar 22	24	8	10
31 Dec 21	24	9	10
30 Sep 21	24	9	9
30 Jun 21	22	7	9
31 Mar 21	19	6	8
31 Dec 20	16	5	8
30 Sep 20	15	4	8
30 Jun 20	15	4	8
31 Mar 20	15	4	8
31 Dec 19	15	4	8
30 Sep 19	14	4	8
30 Jun 19	14	4	8
31 Mar 19	14	4	8
31 Dec 18	13	3	7
30 Sep 18	12	2	7
30 Jun 18	11	2	7
31 Mar 18	10	1	6
31 Dec 17	10	1	6
31 Dec 16	9	2	6
31 Dec 15	8	1	5

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.

Return on Assets

Return on Capital Employed

Discover strong past performing companies

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2024/12/27 20:07
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