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Golden State Bancorp (GSBX) Fair Value & Analysis

Financial Services · US · Market cap $106M

Price$38.39
Fair Value$52.66
Upside+37.2%
Quality95/100
Evidence: High Range $39.49 – $65.82

Fair value as of: Jun 26, 2026

Analysis

Golden State Bancorp (GSBX) currently trades at $38.39, while our model-based Fair Value estimate is $52.66 — implying the stock looks roughly 37.2% undervalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high) — always confirm before acting.

About the company

Golden State Bancorp operates as the holding company for Golden State Bank that provides personal and business banking services in Los Angeles, Orange, Riverside, San Diego, Ventura, and San Bernardino counties in California. The company accepts checking, savings, deposits, and money market accounts, and cash management services, as well as certificates of deposit. Its loan products comprise commercial real estate, business operating term, and construction loans, as well as non-owner occupied residential financing, strategic bridge financing solutions, and lines of credit. In addition, the company offers bill pay, and online and mobile banking services. It serves the business, commercial, and professional markets through its branches located in Glendale, California, and Upland. Golden State Bancorp was incorporated in 2015 and is headquartered in Glendale, California.

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Frequently asked questions

Is Golden State Bancorp (GSBX) undervalued?
As of Jun 26, 2026, our model estimates a fair value of $52.66 versus a price of $38.39 — about +37% (undervalued). Model-based estimate, not financial advice.
What is the fair value of GSBX?
Our 21-model fair value for Golden State Bancorp is $52.66 (as of Jun 26, 2026), built from audited fundamentals. The current price is $38.39.
What is the quality score of GSBX?
Golden State Bancorp has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.