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Data-driven stock valuation

Bank of San Francisco (BSFO) fair value: what the stock is really worth

As of Nov 6, 2026: fair value (intrinsic value) of Bank of San Francisco stock $45.97, price $43.50, upside +5.7%, quality 56 out of 100. Rating: fairly valued. Calculated from audited financials with 4 of our 26 valuation models and 37 quality factors, updated daily.

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Financial Services US

BO Bank of San Francisco logo Some data Nov 2, 2026

Bank of San Francisco

BSFO · US
Fairly valued, in an uptrend

The stock costs about what our calculation considers fair.

Healthy Growth (revenue 5y +8.9 %/yr in USD)
Highly profitable · 24.8% net margin (TTM)
Fair value $45.97 · Fairly valued (+5.7%)
Quality 56/100
Mixed vs. peers (5/12)
Moderate moat 62/100 · thin data
Some data
⚠ Thinly traded
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

$45.00 $18.20 Fair Value $45.97 Aug 2021 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 2, 2026.

How to read this chart

60‑month range $18.20 – $45.00 · fair‑value band $34.48 – $57.46 · the $43.50 price screens below the $45.97 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 2, 2026.

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Company profile

Bank of San Francisco provides various banking products and services to businesses, nonprofits, and individuals in the greater San Francisco Bay Area.

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The company offers checking, savings, interest checking, money market accounts, certificates of deposit, individual retirement accounts, IntraFi network deposits, interest on lawyers' trust accounts, and contractor's escrow retention.

It also provides home loans, including tenancy in common and co-op, single-family home and condo, condo conversion, multi-unit property loans, vacation home and investment properties, as well as home equity lines of credit; and commercial loans, such as revolving lines of credit and term, business acquisition, commercial real estate, construction, and small business administration and 504 loans, as well as medical, dental practice, and professional service firm financing.

In addition, the company offers digital banking services, such as Account statement access and transaction details, data export and statement downloads, and transfers and loan payments; bank-to-bank transfers; remote and mobile check deposit; bill pay and person-to-person payments; wire and ACH origination; payroll; and positive pay, as well as Zelle, and Apple, Samsung, and Google Pay. Further, it provides cashier's checks, foreign drafts, merchant services, notary public, wire transfers, payroll services, and debit and credit cards; online and mobile banking services; and direct online payment and donation processing, quarterly lunch-and-learn networking events, and access to smart conference rooms.

Bank of San Francisco was incorporated in 2005 and is headquartered in San Francisco, California.

Stock analysis

Bank of San Francisco (BSFO) currently trades at $43.50, while our model-based Fair Value estimate is $45.97, so the stock looks roughly fairly valued today (gap 5.4%).

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Valuation

Bull case: the Multiples group reads highest at a median of $34.05 per share, and 0 of the 4 models we run sit above the $43.50 price.

Bear case: the Asset-Based group reads lowest at $24.96, and 4 of the 4 models stay below the price. Data coverage for this calculation is medium.

Scenario range: $34.48 (bear) to $57.46 (bull), the price of $43.50 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 56/100 (solid quality), in the Financial Services sector.

Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.

Bank of San Francisco reported revenue of $29.4M in FY2025 versus $24.1M in FY2021, a compound +5.1%/yr. Reported net income was $6.8M in FY2025, compounding −6.8%/yr from FY2021.

Key figures

Market cap $95.2M Micro · P/E ratio 12.1 · P/S ratio 3.06 · EPS (TTM) $3.59 · Net margin 24.8% · Return on equity 9.3% · Return on assets (EBIT) 1.2% (5-year average) · Operating margin 29.4%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 62 out of 100 (low confidence).

What moves the price

The share trades about 3% below its 52-week high and 45% above its 52-week low, currently above its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −34% fair-value upside, at 6%, BSFO screens cheaper than that median.

Fair Value models

Bear $34.48 Fair Value $45.97 Bull $57.46
Price $43.50 · Upside +5.7%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then ($3.06 per share) are deliberately not added. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds. Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Best data coverage
Residual Income $29.28 $30.64 $33.84 71
P/E Multiple $29.84 $39.78 $49.73 63
P/B Multiple $25.53 $34.05 $42.56 55
All 4 models by family
Multiples
P/E Multiple $29.84 $39.78 $49.73 63
P/B Multiple $25.53 $34.05 $42.56 55
Asset-Based
NCAV (Graham) $18.62 $24.96 $37.25 54
Economic Profit
Residual Income $29.28 $30.64 $33.84 71

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Quality Score breakdown

Overall quality 56/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 32
How much profit the company makes from its sales and capital
Quality Growth 53
Are margins and returns getting better?
Cashflow 81
Do the profits arrive as real cash?
Financial strength 33
Debt, balance sheet and risk of trouble
Investment 65
Does it invest with discipline instead of growing at any price?
Low Volatility 93
How calm the share price moves, does not count
Price momentum 61
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 89
Distance to the 52-week high, does not count
New shares 62
Buys back shares or issues new ones?

Open the full quality analysis →

Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 83/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+17.2%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+7.7%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+8.9%
Start year 2020 (pandemic). Over 10 years: +13.5% a year
Revenue growth 10 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+13.5%
What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
+6.4%
Earnings growth per share plus dividend.
Earnings per share, growth per year+6.4%
Dividend (yield on the price)0.0%

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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 1000 stocks

Beats the industry median on 5/12 measures
A mixed picture versus its industry peers.
Valuation
Quality Score 56 · Above median
Fair Value upside +5.7% · Above median
Profitability
Return on equity (12 months) 9.3% · Below median
Return on assets 0.9% · Below median
Net margin (12 months) 24.8% · Below median
Operating margin (12 months) 29.4% · Below median
Growth and dividend
Revenue growth (quarter YoY) 14.3% · Above median
Balance sheet
Debt / equity 1.08× · Highest 25%

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (12 months) 12.1× · Pricier than median
P/B 1.15× · Cheaper than median
P/S (12 months) 3.06× · Cheaper than median
Price / free cash flow (fiscal year) 13.6× · Pricier than median

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)41 · sector 8
FUTURE (revenue growth)72 · sector 47
PAST (return on equity)37 · sector 43
HEALTH (low debt)46 · sector 85
DIVIDEND (yield)0 · sector 53

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value Compare
Postal Savings Bank of China Co 601658 ¥5.53 ¥7.59 +37% vs BSFO
China Merchants Bank Co 600036 ¥42.88 ¥52.73 +23% vs BSFO
BNP Paribas SA BNP €91.93 €106.01 +15% vs BSFO
Intesa Sanpaolo S.p.A ISP €6.18 €4.49 −27% vs BSFO
UniCredit S.p.A UCG €76.80 €50.44 −34% vs BSFO
Oversea-Chinese Banking Corporation O39 27.73 SGD 18.20 SGD −34% vs BSFO
Mizuho Financial Group MFG $9.40 $5.90 −37% vs BSFO
DBS Group D05 69.72 SGD 40.39 SGD −42% vs BSFO
HDFC Bank Limited HDFCBANK ₹788.25 ₹406.39 −48% vs BSFO
ICICI Bank Limited ICICIBANK ₹1,571 ₹615.63 −61% vs BSFO

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Bank of San Francisco: fair value per Fair Value Calculator

Cite: Fair Value Calculator (2026). "Bank of San Francisco Fair Value". https://www.fairvalue-calculator.com/stock/BSFO

Frequently asked questions

Is Bank of San Francisco (BSFO) overvalued or undervalued?
As of Nov 2, 2026, our model estimates a fair value of $45.97 versus a price of $43.50, about +6% upside (fairly valued).
What is the fair value of BSFO?
Our model-based fair value for Bank of San Francisco is $45.97 (as of Nov 2, 2026), built from audited fundamentals. The current price: $43.50.
What is the quality score of BSFO?
Bank of San Francisco has a Quality Score of 56/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Bank of San Francisco (BSFO)?
Our model-based price target is the fair value of $45.97 (as of Nov 2, 2026) from 4 valuation models. Cautious scenario $34.48, optimistic scenario $57.46. It is a calculation from audited fundamentals, not an analyst target.
What is the Bank of San Francisco stock forecast for 2026?
Our models put fair value at $45.97, about +6% upside versus a price of $43.50 (fairly valued). Cautious scenario $34.48, optimistic scenario $57.46. The calculation is refreshed regularly with new filings.
What is the revenue of Bank of San Francisco (BSFO)?
Bank of San Francisco reported trailing-twelve-month revenue of about $31.1M (latest available figure, as of Nov 2, 2026).
What is the intrinsic value of Bank of San Francisco (BSFO)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Bank of San Francisco it is $45.97 per share (as of Nov 2, 2026), against a price of $43.50. It is the blended result of 4 valuation models (cash flow, earnings, asset, dividend).
Is Bank of San Francisco stock overvalued or undervalued in 2026?
As of Nov 2, 2026, BSFO trades below its calculated fair value: price $43.50, fair value $45.97, a gap of about +6% (fairly valued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of BSFO?
No. The price is what the market pays today ($43.50); the fair value is what the company's own numbers justify ($45.97). For Bank of San Francisco the two are $2.47 per share apart. That gap is exactly why we show both numbers side by side.
How much is Bank of San Francisco worth?
The market values Bank of San Francisco at about $95.2M (market capitalisation, as of Nov 2, 2026). Per share that is $43.50; our models calculate a fair value of $45.97 per share.
What do the bullish and bearish scenarios say about BSFO?
Our models span a range for Bank of San Francisco: cautious scenario $34.48, base $45.97, optimistic $57.46 per share (as of Nov 2, 2026, price $43.50). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of BSFO?
Bank of San Francisco trades at a price-to-earnings ratio of 12.1 (as of Nov 2, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $45.97 is built from several models across several years. Median P/E at fiscal year-end, 7 fiscal years (2019 to 2025), reported earnings: 9.7. Other multiples: P/B 1.2, P/S 3.1.
How solid is the balance sheet of Bank of San Francisco (BSFO)?
Balance-sheet figures for Bank of San Francisco (as of Nov 2, 2026): return on equity 9.3%, debt of 1.08 per unit of equity. They feed the Quality Score of 56/100, which measures business quality independently of the share price.
How far is BSFO from its 52-week high?
Bank of San Francisco trades at $43.50, about 3% below its 52-week high of $45.00 and 45% above the low of $30.00 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of $45.97 is for.
Which stocks are comparable to Bank of San Francisco?
From the same area (Financial Services) we also value China Merchants Bank Co, DBS Group, UniCredit S.p.A, Mizuho Financial Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Bank of San Francisco stock attractive at the current price?
The data as of Nov 2, 2026: price $43.50, calculated fair value $45.97 (+6%), Quality Score 56/100, from 4 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of BSFO calculated?
We run Bank of San Francisco through 4 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $45.97, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 12.7% above its aggregate fair value. Bank of San Francisco currently trades 5% below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Bank of San Francisco (BSFO)?
The closing price on Nov 6, 2026 was $43.50. Our model-based fair value is $45.97, about +6% upside (fairly valued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Bank of San Francisco right now?
The price sits close to our fair value, market and models broadly agree here, little valuation tension. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.

Key figures of Bank of San Francisco

How large is the market capitalisation of Bank of San Francisco (BSFO)?
The market capitalisation of Bank of San Francisco is $95.2M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Bank of San Francisco (BSFO)?
The price-to-sales ratio of Bank of San Francisco is 3.06 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Bank of San Francisco (BSFO)?
Earnings per share at Bank of San Francisco are $3.59 (price ÷ EPS = P/E 12.1). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Bank of San Francisco (BSFO)?
The net margin of Bank of San Francisco is 24.8% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Bank of San Francisco (BSFO)?
The return on equity (ROE) of Bank of San Francisco is 9.3% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Bank of San Francisco (BSFO)?
On an EBIT basis the return on assets of Bank of San Francisco is 1.2% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Bank of San Francisco (BSFO)?
The operating margin of Bank of San Francisco is 29.4% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Bank of San Francisco (BSFO)?
Revenue at Bank of San Francisco is growing +14.3% versus a year earlier (3y avg +7.7%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Bank of San Francisco (BSFO)?
Earnings per share at Bank of San Francisco are growing −1.3% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Bank of San Francisco (BSFO) generate?
The free cash flow of Bank of San Francisco is $7.0M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
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