OTC · Banks - Regional

Bank of San Francisco (BSFO) Stock

$43.59 +0.00% OTC: BSFO Financial Services

Operating within the greater San Francisco Bay Area, the Bank of San Francisco delivers a wide array of financial solutions and services. Its diverse clientele includes businesses, nonprofit organizations, individual entrepreneurs, professionals, and both private individuals and families.

Valuation

MetricValue
Price$43.59
Market Cap$95.29M
P/E Ratio11.94
P/B Ratio1.08
P/S Ratio2.44
EPS (TTM)$3.65
52-Week High$45.15
52-Week Low$26.25
Dividend Yield0.00%

Financials & Margins

MetricValue
ROE9.40%
ROA1.00%
ROCE11.07%
Gross Margin77.34%
Operating Margin27.68%
Net Margin19.73%
Debt/Equity0.00
Current Ratio0.18

Annual Financials (USD)

Metric20212022202320242025
Revenue$25.0M$25.0M$30.0M$25.0M$37.0M
Operating Profit$13.0M$8.0M$10.0M$12.0M$9.0M
Net Profit$9.0M$6.0M$7.0M$7.0M$7.0M
EPS$4.41$2.85$3.33$3.10$3.17
Op Margin50.7%32.7%32.6%48.6%25.6%

Balance Sheet (USD)

Metric20212022202320242025
Total Assets$599.0M$591.0M$612.0M$615.0M$733.0M
Total Liabilities$544.0M$530.0M$544.0M$540.0M$650.0M
Cash$91.0M$60.0M$102.0M$75.0M$11.0M
Borrowings$0$0$0$6.0M$0

Latest News

FHLBank San Francisco Applauds Enactment of AB 1781 GlobeNewswire · Jul 22, 2026 FHLBank San Francisco Awards $7.7 Million in Grants to Develop Affordable Housing in Arizona GlobeNewswire · Jul 7, 2026 FHLBank San Francisco Awards $6.2 Million in Grants for Affordable Housing in Nevada GlobeNewswire · Jul 7, 2026 FHLBank San Francisco Awards $66.3 Million to Support Nearly 2,900 Affordable Housing Units Across Arizona, California, and Nevada GlobeNewswire · Jul 6, 2026 FHLBank San Francisco Releases 2025 Impact Report Highlighting $92.2 Million in Affordable Housing, Homeownership and Economic Development Grants GlobeNewswire · Jun 15, 2026

Cash Flow (USD)

Metric20212022202320242025
Operating Cash Flow$9.0M$8.0M$10.0M$8.0M$8.0M
Investing Cash Flow$41.0M$-21.0M$18.0M$-30.0M$-120.0M
Financing Cash Flow$6.0M$-20.0M$13.0M$-5.0M$107.0M
Net Cash Flow$-34.0M$-31.0M$42.0M$-26.0M$-3.0M
Free Cash Flow$9.0M$7.0M$9.0M$8.0M$7.0M

Valuation & Return Ratios

MetricValue
PEG Ratio0.51
EV / EBITDA—
FCF Yield—
Quick Ratio—
Interest Coverage—
Return 1Y61.44%
Return 3Y—
Return 5Y—

Ownership

Insiders Held0.00%
Institutions Held5.26%
Institutions Float Held5.26%
Institutional HolderSharesReport Date
BANC FUNDS CO LLC115,0722026-03-31

Peer Comparison

TickerPriceChangeP/EMarket CapDiv Yield
BSPABallston Spa Bancorp, Inc. $76.80 +0.00% 16.38 $57.04M 1.72%
CIWVCitizens Financial Corp. $48.99 +1.96% 7.20 $83.25M 2.45%
FBTTFirst Bankers Trustshares, Inc. $28.50 +7.55% 11.78 $85.68M 3.23%
FRSBFirst Resource Bancorp Inc. $25.76 +0.35% 7.88 $79.49M 0.54%
GSBXGolden State Bancorp $38.35 +0.00% 10.59 $70.43M 0.00%

About Bank of San Francisco

Operating within the greater San Francisco Bay Area, the Bank of San Francisco delivers a wide array of financial solutions and services. Its diverse clientele includes businesses, nonprofit organizations, individual entrepreneurs, professionals, and both private individuals and families. For personal customers, the bank offers various deposit accounts such as standard and interest-bearing checking, savings, and money market options, alongside certificates of deposit (CDs) and individual retirement accounts (IRAs). Their lending solutions for individuals encompass financing for tenancy in common (TIC) and co-op arrangements, single-family homes and condominiums, condo conversions, multi-unit properties, and loans for vacation or investment properties. Additional personal banking conveniences include online and mobile banking, bill payment services, debit and credit cards, wire transfers, foreign draft processing, public notary services, and direct deposit capabilities. The bank further extends a variety of commercial lending options. These include revolving lines of credit, financing for business acquisitions, specialized funding for medical, dental, and professional service practices, commercial real estate and construction loans, and Small Business Administration (SBA) guaranteed loans. Established in 2005, the Bank of San Francisco maintains its headquarters in San Francisco, California.

Bank of San Francisco is headquartered in US.

Bank of San Francisco (BSFO) stock trades at $43.59 with a market capitalization of $95.29M. The stock is valued at a price-to-earnings (P/E) ratio of 11.94, price-to-book of 1.08, price-to-sales of 2.44. Over the past 52 weeks the stock has ranged between $26.25 and $45.15, and currently trades 3.5% below its 52-week high.

On profitability, Bank of San Francisco generates a return on equity (ROE) of 9.40%, return on capital employed of 11.07%, an operating margin of 27.68%, a net profit margin of 19.73%.

Official website: www.bankbsf.com

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