Golden State Bancorp (OTCPK:GSBX) - Stock Price, News & Analysis

GSBX Stock Overview

Operates as the holding company for Golden State Bank that provides personal and business banking services in Los Angeles, Orange, Riverside, and San Bernardino counties in California. More details

GSBX fundamental analysis
Snowflake Score
Valuation	4/6
Future Growth	0/6
Past Performance	2/6
Financial Health	6/6
Dividends	0/6

Rewards

Trading at 50.8% below our estimate of its fair value

Risk Analysis

Shares are highly illiquid

Does not have a meaningful market cap ($59M)

Shareholders have been diluted in the past year

Latest financial reports are more than 6 months old

Golden State Bancorp Competitors

Merchants & Marine Bancorp

OTCPK:MNMB

US$59.9m

Citizens Bancorp of Virginia

OTCPK:CZBT

US$65.4m

First Bancshares

OTCPK:FBSI

US$59.7m

Century Financial

OTCPK:CYFL

US$62.4m

Price History & Performance

Summary of all time highs, changes and price drops for Golden State Bancorp
Historical stock prices
Current Share Price	US$27.00
52 Week High	US$27.40
52 Week Low	US$20.60
Beta	0.086
11 Month Change	5.88%
3 Month Change	5.88%
1 Year Change	n/a
33 Year Change	68.75%
5 Year Change	80.00%
Change since IPO	-86.50%

Recent updates

Shareholder Returns

	GSBX	US Banks	US Market
7D	0%	3.1%	2.2%
1Y	n/a	60.1%	32.6%

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

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

Price Volatility

Is GSBX's price volatile compared to industry and market?
GSBX volatility
GSBX Average Weekly Movement	n/a
Banks Industry Average Movement	5.1%
Market Average Movement	6.3%
10% most volatile stocks in US Market	15.8%
10% least volatile stocks in US Market	3.1%

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

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

About the Company

Founded	Employees	CEO	Website
2015	n/a	Robert Setrakian	www.goldenstatebancorp.com

Golden State Bancorp operates as the holding company for Golden State Bank that provides personal and business banking services in Los Angeles, Orange, Riverside, and San Bernardino counties in California. The company accepts checking, savings, and money market accounts, as well as certificates of deposit. Its loan products comprise business operating business term, commercial real estate, equipment financing, and construction loans, as well as letters of credit.

Golden State Bancorp Fundamentals Summary

How do Golden State Bancorp's earnings and revenue compare to its market cap?
GSBX fundamental statistics
Market cap	US$58.94m
Earnings (TTM)	US$7.62m
Revenue (TTM)	US$26.00m

7.7x

P/E Ratio

0.9x

P/B Ratio

Is GSBX overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
GSBX income statement (TTM)
Revenue	US$26.00m
Cost of Revenue	US$0
Gross Profit	US$26.00m
Other Expenses	US$18.38m
Earnings	US$7.62m

Last Reported Earnings

Dec 31, 2023

Next Earnings Date

n/a

Earnings per share (EPS)	3.49
Gross Margin	100.00%
Net Profit Margin	29.31%
Debt/Equity Ratio	66.3%

How did GSBX perform over the long term?

See historical performance and comparison

Golden State Bancorp OTCPK:GSBX Stock Report