Bank of San Francisco Logo

Bank of San Francisco

BSFO

(2.0)
Stock Price

30,15 USD

1.06% ROA

9.4% ROE

9.3x PER

Market Cap.

58.609.000,00 USD

0% DER

0% Yield

23.21% NPM

Bank of San Francisco Stock Analysis

Bank of San Francisco Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Bank of San Francisco Fundamental Stock Analysis
# Analysis Rating
1 PBV

The stock's low PBV ratio (0.73x) suggests it's undervalued, making it an attractive opportunity for investors.

2 DER

The stock has a low debt to equity ratio (0%), which means it has a small amount of debt compared to the ownership it holds

3 ROE

The stock's ROE falls within an average range (9.11%), demonstrating satisfactory profitability and efficiency in utilizing shareholders' equity.

4 ROA

The stock's ROA (0.93%) shows that it's doing a pretty good job at making money from its assets, making it a solid choice to invest and earn steady profits.

5 Graham Number

Based on the Graham number, this company's stock price appears to be lower than its intrinsic value, signaling a potentially favorable investment choice.

6 Buffet Intrinsic Value

Based on Warren Buffett's formula, the company's stock appears undervalued (117), presenting an attractive investment chance with its intrinsic value surpassing the current market price.

7 Revenue Growth

Company has experienced no growth in revenue over the past three years, suggesting limited profitability and making it a less desirable investment opportunity.

8 Net Profit Growth

The net profit of this company has shown no signs of growth over the last five years, suggesting limited profitability and making it a less attractive investment opportunity.

9 Assets Growth

Company's revenue has stayed stagnant, showing no signs of improvement and making it a less favorable choice.

10 Dividend Growth

Investors should note the company's stagnant dividend growth over the past three years, indicating limited profitability and potentially diminishing returns.

11 Dividend

The company's lack of dividends in the past three years may concern investors seeking regular income.

Bank of San Francisco Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Bank of San Francisco Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Hold
2 MACD Buy
3 RSI Hold
4 Stoch RSI Hold

Bank of San Francisco Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Bank of San Francisco Revenue
Year Revenue Growth
2015 8.265.036
2016 9.450.240 12.54%
2017 10.521.195 10.18%
2018 13.717.145 23.3%
2019 15.273.086 10.19%
2020 19.213.612 20.51%
2021 24.093.159 20.25%
2022 23.553.000 -2.29%
2023 23.108.000 -1.93%
2023 30.230.257 23.56%
2024 35.100.000 13.87%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Bank of San Francisco Research and Development Expenses
Year Research and Development Expenses Growth
2015 0
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2023 0 0%
2024 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Bank of San Francisco General and Administrative Expenses
Year General and Administrative Expenses Growth
2015 675.855
2016 4.512.657 85.02%
2017 4.963.710 9.09%
2018 5.964.986 16.79%
2019 6.746.420 11.58%
2020 7.177.498 6.01%
2021 8.138.033 11.8%
2022 8.798.908 7.51%
2023 8.124.000 -8.31%
2023 8.194.227 0.86%
2024 10.924.000 24.99%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Bank of San Francisco EBITDA
Year EBITDA Growth
2015 -108.126
2016 2.745.968 103.94%
2017 3.058.866 10.23%
2018 4.807.848 36.38%
2019 5.903.189 18.56%
2020 6.743.291 12.46%
2021 12.889.068 47.68%
2022 8.437.412 -52.76%
2023 10.524.000 19.83%
2023 253.964 -4043.89%
2024 -8.968.000 102.83%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Bank of San Francisco Gross Profit
Year Gross Profit Growth
2015 8.265.036
2016 9.450.240 12.54%
2017 10.521.195 10.18%
2018 13.717.145 23.3%
2019 15.273.086 10.19%
2020 19.213.612 20.51%
2021 24.093.159 20.25%
2022 23.553.000 -2.29%
2023 23.108.000 -1.93%
2023 30.230.000 23.56%
2024 35.100.000 13.87%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Bank of San Francisco Net Profit
Year Net Profit Growth
2015 1.265.136
2016 1.530.194 17.32%
2017 1.310.365 -16.78%
2018 3.312.202 60.44%
2019 4.057.760 18.37%
2020 4.658.160 12.89%
2021 8.987.218 48.17%
2022 5.861.778 -53.32%
2023 7.404.000 20.83%
2023 6.929.986 -6.84%
2024 6.304.000 -9.93%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Bank of San Francisco Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2015 1
2016 1 0%
2017 1 0%
2018 2 100%
2019 2 50%
2020 2 0%
2021 4 50%
2022 3 -100%
2023 4 33.33%
2023 3 0%
2024 3 0%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Bank of San Francisco Free Cashflow
Year Free Cashflow Growth
2015 703.471
2016 1.980.826 64.49%
2017 1.939.326 -2.14%
2018 4.022.714 51.79%
2019 4.479.361 10.19%
2020 8.103.467 44.72%
2021 8.551.529 5.24%
2022 6.627.896 -29.02%
2023 9.134.385 27.44%
2024 0 0%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Bank of San Francisco Operating Cashflow
Year Operating Cashflow Growth
2015 863.242
2016 2.013.381 57.12%
2017 1.987.714 -1.29%
2018 4.084.100 51.33%
2019 4.696.540 13.04%
2020 8.153.913 42.4%
2021 8.618.124 5.39%
2022 7.977.716 -8.03%
2023 9.580.529 16.73%
2024 0 0%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Bank of San Francisco Capital Expenditure
Year Capital Expenditure Growth
2015 159.771
2016 32.555 -390.77%
2017 48.388 32.72%
2018 61.386 21.17%
2019 217.179 71.73%
2020 50.446 -330.52%
2021 66.595 24.25%
2022 1.349.820 95.07%
2023 446.144 -202.55%
2024 0 0%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Bank of San Francisco Equity
Year Equity Growth
2015 17.180.477
2016 22.725.878 24.4%
2017 24.065.295 5.57%
2018 36.743.787 34.51%
2019 40.981.334 10.34%
2020 45.925.978 10.77%
2021 55.209.522 16.82%
2022 61.541.358 10.29%
2023 66.643.000 7.66%
2023 68.373.264 2.53%
2024 71.712.000 4.66%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Bank of San Francisco Assets
Year Assets Growth
2015 212.960.273
2016 233.526.746 8.81%
2017 289.890.691 19.44%
2018 329.087.093 11.91%
2019 397.345.997 17.18%
2020 674.406.577 41.08%
2021 599.448.526 -12.5%
2022 591.352.143 -1.37%
2023 612.190.000 3.4%
2023 611.975.955 -0.03%
2024 613.546.000 0.26%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Bank of San Francisco Liabilities
Year Liabilities Growth
2015 824.835
2016 971.038 15.06%
2017 1.031.646 5.87%
2018 1.288.767 19.95%
2019 3.531.868 63.51%
2020 628.480.599 99.44%
2021 2.451.624 -25535.28%
2022 7.523.722 67.41%
2023 0 0%
2023 543.602.691 100%
2024 541.834.000 -0.33%

Bank of San Francisco Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
13.44
Net Income per Share
3.12
Price to Earning Ratio
9.3x
Price To Sales Ratio
2.09x
POCF Ratio
0
PFCF Ratio
0
Price to Book Ratio
0.84
EV to Sales
-1.14
EV Over EBITDA
-12.92
EV to Operating CashFlow
0
EV to FreeCashFlow
0
Earnings Yield
0.11
FreeCashFlow Yield
0
Market Cap
0,06 Bil.
Enterprise Value
-0,03 Bil.
Graham Number
49.14
Graham NetNet
-216.55

Income Statement Metrics

Net Income per Share
3.12
Income Quality
0
ROE
0.09
Return On Assets
0.01
Return On Capital Employed
0.04
Net Income per EBT
0.7
EBT Per Ebit
0.65
Ebit per Revenue
0.51
Effective Tax Rate
0.3

Margins

Sales, General, & Administrative to Revenue
0.32
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0.02
Gross Profit Margin
1
Operating Profit Margin
0.51
Pretax Profit Margin
0.33
Net Profit Margin
0.23

Dividends

Dividend Yield
0
Dividend Yield %
0
Payout Ratio
0
Dividend Per Share
0

Operating Metrics

Operating Cashflow per Share
0
Free CashFlow per Share
0
Capex to Operating CashFlow
0
Capex to Revenue
0
Capex to Depreciation
0
Return on Invested Capital
0.14
Return on Tangible Assets
0.01
Days Sales Outstanding
0
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
0
Payables Turnover
0
Inventory Turnover
0
Capex per Share
0

Balance Sheet

Cash per Share
43,43
Book Value per Share
34,41
Tangible Book Value per Share
34.41
Shareholders Equity per Share
34.41
Interest Debt per Share
4.32
Debt to Equity
0
Debt to Assets
0
Net Debt to EBITDA
-36.64
Current Ratio
0.33
Tangible Asset Value
0,07 Bil.
Net Current Asset Value
-0,45 Bil.
Invested Capital
-184975000
Working Capital
-0,19 Bil.
Intangibles to Total Assets
0
Average Receivables
0,00 Bil.
Average Payables
0,00 Bil.
Average Inventory
0
Debt to Market Cap
0

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Bank of San Francisco Dividends
Year Dividends Growth

Bank of San Francisco Profile

About Bank of San Francisco

Bank of San Francisco provides various banking products and services to businesses, nonprofits, entrepreneurs, professionals, individuals, and families in the greater San Francisco Bay Area. The company's personal banking products and services include checking, interest checking, savings, and money market accounts, as well as certificates of deposit, and individual retirement accounts; loans, including tenancy in common and co-op, single-family home and condo, condo conversion, multi-unit property loans, vacation home and investment properties; and other services comprising bill pay, online and mobile banking, debit and credit cards, wire transfers, foreign drafts, public notary, and direct deposit. It also provides loans, which include revolving lines of credit, business acquisition loans, medical, dental practice and professional service firm financing, commercial real estate loans, construction loans, and small business administration loans. Bank of San Francisco was founded in 2005 and is headquartered in San Francisco, California.

CEO
Mr. Edward C. Obuchowski
Employee
0
Address
575 Market Street
San Francisco, 94105

Bank of San Francisco Executives & BODs

Bank of San Francisco Executives & BODs
# Name Age
1 Mr. John Verdoia
Senior Vice President
70
2 Mr. Michael De Vivo
Executive Vice President & Chief Credit Officer
70
3 Mr. John Dzida
Senior Vice President
70
4 Mr. Victor Vazquez
Senior Vice President
70
5 Mr. Neal Tandowsky
Senior Vice President
70
6 Ms. Lia Economopoulos
Senior Vice President
70
7 Ms. Margaret Mak
Executive Vice President & Head of Private Banking
70
8 Mr. Edward C. Obuchowski
Founder, Chief Executive Officer & Director
70
9 Ms. Jennifer Corr
Executive Vice President, Chief Financial Officer & Corporate Secretary
70
10 Ms. Juanna Collin
Executive Vice President & Chief Operating Officer
70

Bank of San Francisco Competitors