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Bank of San Francisco BSFO

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Price alert · BSFO

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43.49 USD 0.00 0.00%

At close · Oct 30

43.49 Day range 43.49
28.00 52-week range 45.00
YTD
+34.23%
1 year
+53.13%
Open
43.49
Prev close
43.49
Mkt cap
96.34M
Vol
33
Avg vol
976
EPS
3.63
P/E
11.98
More statistics
Low
43.49
High
43.49

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Financial health

Altman Z-Score

0.26 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

3 / 9 Weak

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

B+3 / 5 overall

  • DCF 5
  • Return on Equity 2
  • Return on Assets 2
  • Debt / Equity 3
  • P/E 3
  • P/B 3

Valuation

P/E 10.1×
FY 2016: 27.2×FY 2017: 31.8×FY 2018: 11.2×FY 2019: 12.7×FY 2020: 9.5×FY 2021: 5.4×FY 2022: 9.5×FY 2023: 8.0×FY 2024: 10.3×FY 2025: 10.1×
FY 2016 5y median 9.5× FY 2025
P/S 1.8×
FY 2016: 4.2×FY 2017: 3.7×FY 2018: 2.5×FY 2019: 2.9×FY 2020: 2.1×FY 2021: 1.9×FY 2022: 2.2×FY 2023: 1.8×FY 2024: 2.7×FY 2025: 1.8×
FY 2016 5y median 1.9× FY 2025
P/B 0.8×
FY 2016: 1.8×FY 2017: 1.7×FY 2018: 1.0×FY 2019: 1.3×FY 2020: 1.0×FY 2021: 0.9×FY 2022: 0.9×FY 2023: 0.8×FY 2024: 0.9×FY 2025: 0.8×
FY 2016 5y median 0.9× FY 2025
P/FCF 9.7×
FY 2016: 21.1×FY 2017: 21.5×FY 2018: 9.2×FY 2019: 11.5×FY 2020: 5.5×FY 2021: 5.7×FY 2022: 8.4×FY 2023: 6.0×FY 2024: 8.8×FY 2025: 9.7×
FY 2016 5y median 8.4× FY 2025
EV/EBITDA 5.9×
FY 2016: -1.2×FY 2017: -6.0×FY 2018: -2.3×FY 2019: -3.7×FY 2020: 1.4×FY 2021: -3.3×FY 2022: -0.5×FY 2023: -4.6×FY 2024: -0.2×FY 2025: 5.9×
FY 2016 5y median -0.5× FY 2025
EV/Sales 1.5×
FY 2016: -0.3×FY 2017: -1.6×FY 2018: -0.7×FY 2019: -1.3×FY 2020: 0.4×FY 2021: -1.7×FY 2022: -0.2×FY 2023: -1.5×FY 2024: -0.1×FY 2025: 1.5×
FY 2016 5y median -0.2× FY 2025
FCF Yield 10.3%
FY 2016: 4.7%FY 2017: 4.6%FY 2018: 10.8%FY 2019: 8.7%FY 2020: 18.3%FY 2021: 17.5%FY 2022: 11.9%FY 2023: 16.6%FY 2024: 11.3%FY 2025: 10.3%
FY 2016 5y median 11.9% FY 2025

Profitability

Gross Margin 76.2%
FY 2016: 92.5%FY 2017: 88.8%FY 2018: 88.2%FY 2019: 84.8%FY 2020: 78.4%FY 2021: 95.3%FY 2022: 80.5%FY 2023: 74.0%FY 2024: 100.0%FY 2025: 76.2%
FY 2016 5y median 80.5% FY 2025
Operating Margin 25.6%
FY 2016: 26.1%FY 2017: 26.1%FY 2018: 31.8%FY 2019: 32.8%FY 2020: 31.4%FY 2021: 50.7%FY 2022: 32.7%FY 2023: 32.6%FY 2024: 48.6%FY 2025: 25.6%
FY 2016 5y median 32.7% FY 2025
Net Margin 18.3%
FY 2016: 15.4%FY 2017: 11.7%FY 2018: 22.6%FY 2019: 23.1%FY 2020: 22.1%FY 2021: 35.7%FY 2022: 23.1%FY 2023: 22.9%FY 2024: 25.9%FY 2025: 18.3%
FY 2016 5y median 23.1% FY 2025
ROE 8.2%
FY 2016: 6.7%FY 2017: 5.4%FY 2018: 9.0%FY 2019: 9.9%FY 2020: 10.1%FY 2021: 16.3%FY 2022: 9.5%FY 2023: 10.1%FY 2024: 8.7%FY 2025: 8.2%
FY 2016 5y median 9.5% FY 2025
ROIC 7.0%
FY 2016: 6.7%FY 2017: 5.4%FY 2018: 9.0%FY 2019: 9.9%FY 2020: 3.4%FY 2021: 16.3%FY 2022: 9.5%FY 2023: 9.1%FY 2024: 10.1%FY 2025: 7.0%
FY 2016 5y median 9.5% FY 2025
ROA 0.9%
FY 2016: 0.7%FY 2017: 0.5%FY 2018: 1.0%FY 2019: 1.0%FY 2020: 0.7%FY 2021: 1.5%FY 2022: 1.0%FY 2023: 1.1%FY 2024: 1.1%FY 2025: 0.9%
FY 2016 5y median 1.1% FY 2025

Growth (YoY)

Revenue 46.4%
FY 2016: 20.3%FY 2017: 12.5%FY 2018: 31.2%FY 2019: 19.5%FY 2020: 19.9%FY 2021: 19.7%FY 2022: 0.8%FY 2023: 19.1%FY 2024: -16.4%FY 2025: 46.4%
FY 2016 FY 2025
Operating Income -22.8%
FY 2016: 14.3%FY 2017: 12.5%FY 2018: 59.9%FY 2019: 23.2%FY 2020: 14.9%FY 2021: 92.9%FY 2022: -35.0%FY 2023: 18.7%FY 2024: 24.8%FY 2025: -22.8%
FY 2016 FY 2025
EPS (diluted) 2.3%
FY 2016: -25.5%FY 2017: -14.5%FY 2018: 183.1%FY 2019: 9.2%FY 2020: 13.9%FY 2021: 92.6%FY 2022: -35.4%FY 2023: 16.8%FY 2024: -6.9%FY 2025: 2.3%
FY 2016 FY 2025
Free Cash Flow -8.0%
FY 2016: 181.6%FY 2017: -2.1%FY 2018: 107.4%FY 2019: 11.4%FY 2020: 80.9%FY 2021: 5.5%FY 2022: -22.5%FY 2023: 37.8%FY 2024: -16.3%FY 2025: -8.0%
FY 2016 FY 2025

Financial Health

Current Ratio 0.0×
FY 2016: 0.2×FY 2017: 0.2×FY 2018: 0.2×FY 2019: 0.2×FY 2020: 0.2×FY 2021: 0.2×FY 2022: 0.1×FY 2023: 0.2×FY 2024: 0.1×FY 2025: 0.0×
FY 2016 5y median 0.1× FY 2025
Quick Ratio 0.0×
FY 2016: 0.2×FY 2017: 0.2×FY 2018: 0.2×FY 2019: 0.2×FY 2020: 0.2×FY 2021: 0.2×FY 2022: 0.1×FY 2023: 0.2×FY 2024: 0.1×FY 2025: 0.0×
FY 2016 5y median 0.1× FY 2025
Debt / Equity 0.0×
FY 2016: 0.0×FY 2017: 0.0×FY 2018: 0.0×FY 2019: 0.0×FY 2020: 2.0×FY 2021: 0.0×FY 2022: 0.0×FY 2023: 0.0×FY 2024: 0.1×FY 2025: 0.0×
FY 2016 5y median 0.0× FY 2025
Net Debt / EBITDA -1.1×
FY 2016: -16.4×FY 2017: -19.6×FY 2018: -10.0×FY 2019: -12.5×FY 2020: -5.2×FY 2021: -7.1×FY 2022: -7.1×FY 2023: -10.1×FY 2024: -7.5×FY 2025: -1.1×
FY 2016 5y median -7.1× FY 2025
Interest Coverage 1.3×
FY 2016: 5.3×FY 2017: 4.4×FY 2018: 4.9×FY 2019: 2.5×FY 2020: 3.6×FY 2021: 11.8×FY 2022: 4.5×FY 2023: 1.3×FY 2024: 1.4×FY 2025: 1.3×
FY 2016 5y median 1.4× FY 2025

Dividends

Dividend Yield 0.0%
FY 2016: 0.0%FY 2017: 0.0%FY 2018: 0.0%FY 2019: 0.0%FY 2020: 0.0%FY 2021: 0.0%FY 2022: 0.0%FY 2023: 0.0%FY 2024: 0.0%FY 2025: 0.0%
FY 2016 5y median 0.0% FY 2025
Payout Ratio 0.0%
FY 2016: 0.0%FY 2017: 0.0%FY 2018: 0.0%FY 2019: 0.0%FY 2020: 0.0%FY 2021: 0.0%FY 2022: 0.0%FY 2023: 0.0%FY 2024: 0.0%FY 2025: 0.0%
FY 2016 5y median 0.0% FY 2025

Annual · latest fiscal year ends 2025-12-31