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GSBX

Golden State Bancorp

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Price alert · GSBX

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40.25 USD 0.00 0.00%
As of Oct 30, 2026
39.25 Day range 39.25
30.00 52-week range 40.50
YTD
+28.18%
1 year
+34.39%
Open
39.25
Prev close
40.25
Mkt cap
114.55M
Vol
100
Avg vol
120
EPS
3.73
P/E
10.79
More statistics
Low
39.25
High
39.25

5D chart

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Financial health

Altman Z-Score

0.21 Distress zone

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

Piotroski F-Score

5 / 9 Average

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

FMP rating

B+3 / 5 overall

  • DCF 4
  • Return on Equity 3
  • Return on Assets 3
  • Debt / Equity 3
  • P/E 3
  • P/B 3

Valuation

P/E 9.3×
FY 2016: 58.8×FY 2017: 10.1×FY 2018: 2.9×FY 2019: 18.5×FY 2020: -44.3×FY 2021: 8.9×FY 2022: 5.6×FY 2023: 7.8×FY 2024: 9.3×FY 2025: 9.3×
FY 2016 5y median 8.9× FY 2025
P/S 1.4×
FY 2016: 2.9×FY 2017: 2.5×FY 2018: 1.8×FY 2019: 1.4×FY 2020: 1.4×FY 2021: 1.4×FY 2022: 1.4×FY 2023: 1.4×FY 2024: 1.0×FY 2025: 1.4×
FY 2016 5y median 1.4× FY 2025
P/B 1.1×
FY 2016: 1.1×FY 2017: 0.9×FY 2018: 0.9×FY 2019: 0.8×FY 2020: 0.8×FY 2021: 0.8×FY 2022: 0.8×FY 2023: 0.9×FY 2024: 0.8×FY 2025: 1.1×
FY 2016 5y median 0.8× FY 2025
P/FCF 7.3×
FY 2016: -86.0×FY 2017: 6.9×FY 2018: 5.9×FY 2019: 7.8×FY 2020: 37.3×FY 2021: 4.8×FY 2022: 3.9×FY 2023: 7.8×FY 2024: 6.2×FY 2025: 7.3×
FY 2016 5y median 6.2× FY 2025
EV/EBITDA 1.7×
FY 2016: 16.8×FY 2017: 175×FY 2018: -3.0×FY 2019: 4.0×FY 2020: 87.7×FY 2021: -5.9×FY 2022: -0.4×FY 2023: -3.1×FY 2024: -1.2×FY 2025: 1.7×
FY 2016 5y median -1.2× FY 2025
EV/Sales 0.4×
FY 2016: 0.3×FY 2017: 3.2×FY 2018: -2.1×FY 2019: 0.5×FY 2020: -2.5×FY 2021: -1.4×FY 2022: -0.2×FY 2023: -0.8×FY 2024: -0.2×FY 2025: 0.4×
FY 2016 5y median -0.2× FY 2025
FCF Yield 13.7%
FY 2016: -1.2%FY 2017: 14.6%FY 2018: 17.0%FY 2019: 12.8%FY 2020: 2.7%FY 2021: 20.7%FY 2022: 25.7%FY 2023: 12.8%FY 2024: 16.3%FY 2025: 13.7%
FY 2016 5y median 16.3% FY 2025

Profitability

Gross Margin 56.0%
FY 2016: 100.0%FY 2017: 100.0%FY 2018: 100.0%FY 2019: 68.7%FY 2020: 67.1%FY 2021: 78.3%FY 2022: 81.4%FY 2023: 61.8%FY 2024: 53.5%FY 2025: 56.0%
FY 2016 5y median 61.8% FY 2025
Operating Margin 21.1%
FY 2016: 5.0%FY 2017: 24.8%FY 2018: 23.8%FY 2019: 10.7%FY 2020: -4.2%FY 2021: 22.4%FY 2022: 35.1%FY 2023: 24.7%FY 2024: 18.4%FY 2025: 21.1%
FY 2016 5y median 22.4% FY 2025
Net Margin 14.8%
FY 2016: 4.9%FY 2017: 24.8%FY 2018: 60.6%FY 2019: 7.5%FY 2020: -3.3%FY 2021: 15.7%FY 2022: 24.8%FY 2023: 17.4%FY 2024: 14.5%FY 2025: 14.8%
FY 2016 5y median 15.7% FY 2025
ROE 11.5%
FY 2016: 2.0%FY 2017: 8.7%FY 2018: 29.5%FY 2019: 4.5%FY 2020: -1.9%FY 2021: 9.4%FY 2022: 14.1%FY 2023: 12.2%FY 2024: 11.4%FY 2025: 11.5%
FY 2016 5y median 11.5% FY 2025
ROIC 6.4%
FY 2016: 0.2%FY 2017: 0.9%FY 2018: 1.2%FY 2019: 0.5%FY 2020: -0.8%FY 2021: 4.3%FY 2022: 8.8%FY 2023: 1.0%FY 2024: 6.5%FY 2025: 6.4%
FY 2016 5y median 6.4% FY 2025
ROA 1.0%
FY 2016: 0.2%FY 2017: 0.9%FY 2018: 2.9%FY 2019: 0.4%FY 2020: -0.1%FY 2021: 0.7%FY 2022: 1.2%FY 2023: 1.0%FY 2024: 1.0%FY 2025: 1.0%
FY 2016 5y median 1.0% FY 2025

Growth (YoY)

Revenue 12.7%
FY 2016: 26.7%FY 2017: 31.7%FY 2018: 97.7%FY 2019: 28.4%FY 2020: -7.1%FY 2021: 30.0%FY 2022: 36.8%FY 2023: 41.2%FY 2024: 27.8%FY 2025: 12.7%
FY 2016 FY 2025
Operating Income 28.7%
FY 2016: 138.8%FY 2017: 559.3%FY 2018: 89.2%FY 2019: -42.1%FY 2020: -136.8%FY 2021: 786.9%FY 2022: 114.3%FY 2023: -0.7%FY 2024: -4.5%FY 2025: 28.7%
FY 2016 FY 2025
EPS (diluted) 13.4%
FY 2016: 128.2%FY 2017: 545.0%FY 2018: 255.8%FY 2019: -83.7%FY 2020: -141.3%FY 2021: 677.4%FY 2022: 73.7%FY 2023: -8.4%FY 2024: 4.6%FY 2025: 13.4%
FY 2016 FY 2025
Free Cash Flow 28.4%
FY 2016: 88.7%FY 2017: 1544.6%FY 2018: 64.2%FY 2019: -24.9%FY 2020: -79.7%FY 2021: 868.8%FY 2022: 68.8%FY 2023: -31.5%FY 2024: 22.1%FY 2025: 28.4%
FY 2016 FY 2025

Financial Health

Current Ratio 0.2×
FY 2016: 784×FY 2017: 445×FY 2018: 1.8×FY 2019: 1.6×FY 2020: 0.3×FY 2021: 0.2×FY 2022: 0.1×FY 2023: 205×FY 2024: 0.2×FY 2025: 0.2×
FY 2016 5y median 0.2× FY 2025
Quick Ratio 0.2×
FY 2016: 784×FY 2017: 445×FY 2018: 1.8×FY 2019: 1.6×FY 2020: 0.3×FY 2021: 0.2×FY 2022: 0.1×FY 2023: 205×FY 2024: 0.2×FY 2025: 0.2×
FY 2016 5y median 0.2× FY 2025
Debt / Equity 0.7×
FY 2016: 0.7×FY 2017: 1.2×FY 2018: 0.8×FY 2019: 0.7×FY 2020: 1.2×FY 2021: 1.1×FY 2022: 0.5×FY 2023: 0.7×FY 2024: 0.7×FY 2025: 0.7×
FY 2016 5y median 0.7× FY 2025
Net Debt / EBITDA -4.7×
FY 2016: -136×FY 2017: 37.1×FY 2018: -5.6×FY 2019: -8.0×FY 2020: 138×FY 2021: -11.8×FY 2022: -4.3×FY 2023: -8.3×FY 2024: -6.7×FY 2025: -4.7×
FY 2016 5y median -6.7× FY 2025
Interest Coverage 0.5×
FY 2016: 0.0×FY 2017: 0.0×FY 2018: 0.0×FY 2019: 0.3×FY 2020: -0.1×FY 2021: 1.0×FY 2022: 1.9×FY 2023: 0.6×FY 2024: 0.4×FY 2025: 0.5×
FY 2016 5y median 0.6× 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