Bank of San Francisco (BSFO) fair value: what the stock is really worth
As of Sep 22, 2026: fair value of Bank of San Francisco $46.34, price $42.99, upside +7.8%, quality 53 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 13, 2026.
How to read this chart
60‑month range $18.20 – $45.00 · fair‑value band $34.76 – $57.93 · the $42.99 price screens below the $46.34 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 13, 2026.
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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Bank of San Francisco provides various banking products and services to businesses, nonprofits, and individuals in the greater San Francisco Bay Area. 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 $42.99, while our model-based Fair Value estimate is $46.34, implying the stock looks roughly 7.2% fairly valued today.
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Valuation
Bull case: the Multiples group reads highest at a median of $40.31 per share, and 1 of the 4 models we run sit above the $42.99 price.
Bear case: the Asset-Based group reads lowest at $25.46, and 3 of the 4 models stay below the price. Evidence for this calculation is medium.
Scenario range: $34.76 (bear) to $57.93 (bull), the price of $42.99 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 53/100 (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 $94.1M · P/E ratio 12.0 · P/S ratio 2.76 · EPS (TTM) $3.59 · Net margin 23.0% · Return on equity 9.3% · Return on assets (EBIT) 1.2% · Operating margin 29.4%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 42 out of 100 (low confidence).
What moves the price
The share trades about 4% below its 52-week high and 64% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −31% fair-value upside, at 8%, BSFO screens cheaper than that median.
Fair Value models
Bear $34.76Fair Value $46.34Bull $57.93
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2025 figures (about 9 months old). Earnings retained since then ($2.62 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.Evidence ⓘEvidence = 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.
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%
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%
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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%
Profit margin 2015 to 2019 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.28% → 38%
Growth Forecast
A lot of optimism in the price
The price assumes more growth than the company has delivered so far.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
+18.4%
Yearly growth needed for the next five years to justify today's price.
News mood ⓘNews mood, the average tone of recent news (16 articles), rated against how stocks are usually covered. 🚀 Hype = unusually upbeat · 🙂 Positive = above average · 😐 Neutral = typical · 🙁 Negative = below average · 😨 Very negative = unusually downbeat. It reflects the tone of coverage, not our valuation.Very negative
Price, fair value, quality and upside side by side.
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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 · 1077 stocks
Beats the industry median on 7/12 measures
A mixed picture versus its industry peers.
Valuation
Quality Score56 · Above median
Fair Value upside+6% · Above median
Profitability
Return on equity (TTM)9% · Below median
Return on assets1% · Above median
Net margin (TTM)25% · Below median
Operating margin (TTM)29% · Below median
Growth and dividend
Revenue growth14% · Above median
Balance sheet
Debt / equity1.08× · Highest 25%
Valuation Multiplesvs Banks - Regional median · lower = cheaper
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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 Sep 13, 2026, our model estimates a fair value of $46.34 versus a price of $42.99, about +8% upside (fairly valued).
What is the fair value of BSFO?
Our model-based fair value for Bank of San Francisco is $46.34 (as of Sep 13, 2026), built from audited fundamentals. The current price: $42.99.
What is the quality score of BSFO?
Bank of San Francisco has a Quality Score of 53/100. 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 $46.34 (as of Sep 13, 2026) from 4 valuation models. Cautious scenario $34.76, optimistic scenario $57.93. 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 $46.34, about +8% upside versus a price of $42.99 (fairly valued). Cautious scenario $34.76, optimistic scenario $57.93. 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 Sep 13, 2026).
What growth is priced into Bank of San Francisco (BSFO)?
For today's price to be fair in a discounted-cash-flow model, Bank of San Francisco would have to grow free cash flow by +18.4 % per year for five years (discount rate 11.2 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +8.9 % per year. As of Sep 13, 2026.
What discount rate (WACC) does the fair value of BSFO use?
Our models discount Bank of San Francisco at 11.2 %: a base by market capitalisation (micro), damped by beta 0.10, country premium for USA. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For Bank of San Francisco that is +18.4 % per year a year over ten years, using the same discount rate (11.2 %) and the same formula as our fair value.
How much growth has Bank of San Francisco (BSFO) delivered so far?
Over the past 5 years revenue at Bank of San Francisco grew +8.9 % a year. The price currently implies +18.4 % per year free-cash-flow growth a year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of Bank of San Francisco (BSFO) growing?
The median revenue growth in the sector is +8.3 % a year. That is the yardstick for the growth priced into Bank of San Francisco (+18.4 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of Bank of San Francisco (BSFO)?
The free-cash-flow yield on the price is 7.47 %: that much free cash flow Bank of San Francisco produces per unit of market value. When it exceeds the discount rate of our models (11.2 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
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 $46.34 per share (as of Sep 13, 2026), against a price of $42.99. 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 Sep 13, 2026, BSFO trades below its calculated fair value: price $42.99, fair value $46.34, a gap of about +8% (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 ($42.99); the fair value is what the company's own numbers justify ($46.34). For Bank of San Francisco the two are $3.35 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 $94.1M (market capitalisation, as of Sep 13, 2026). Per share that is $42.99; our models calculate a fair value of $46.34 per share.
What do the bullish and bearish scenarios say about BSFO?
Our models span a range for Bank of San Francisco: cautious scenario $34.76, base $46.34, optimistic $57.93 per share (as of Sep 13, 2026, price $42.99). 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 12.0 (as of Sep 13, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $46.34 is built from several models across several years. Other multiples: P/B 1.1, P/S 3.0.
How solid is the balance sheet of Bank of San Francisco (BSFO)?
Balance-sheet figures for Bank of San Francisco (as of Sep 13, 2026): return on equity 9.3%, debt of 1.08 per unit of equity. They feed the Quality Score of 53/100, which measures business quality independently of the share price.
How far is BSFO from its 52-week high?
Bank of San Francisco trades at $42.99, about 4% below its 52-week high of $45.00 and 64% above the low of $26.25 (as of Sep 13, 2026). Distance from the high says nothing about value: that is what the fair value of $46.34 is for.
Which stocks are comparable to Bank of San Francisco?
From the same area (Financial Services) we also value DBS Group, China Merchants Bank Co, Intesa Sanpaolo S.p.A, HDFC Bank Limited, 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 Sep 13, 2026: price $42.99, calculated fair value $46.34 (+8%), Quality Score 53/100, 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 $46.34, 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 16.0 % above its aggregate fair value. Bank of San Francisco currently trades 8 % 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 Sep 22, 2026 was $42.99. Our model-based fair value is $46.34, about +8% 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 $94.1M. 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 2.76 (P/E × margin). 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 12.0). 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 23.0% (fiscal year 2025). 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.
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Sep 13, 2026