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Bank of San Francisco (BSFO)

Featured in Overvalued Stocks

Bank of San Francisco is a common stock listing for Bank of San Francisco, a banking company serving businesses, nonprofits, and individual customers in the greater San Francisco Bay Area. Through its banking platform, the company provides deposit products such as checking and savings accounts, certificates of deposit, IRAs, and other specialty deposit services, along with lending solutions that include residential mortgages, home equity lines of credit, commercial real estate financing, construction loans, business acquisition loans, and other commercial credit facilities. It also offers digital and mobile banking features, payment services, remote deposit, wire and ACH origination, payroll tools, merchant services, cards, and related banking support services. Incorporated in 2005, the company is headquartered in San Francisco, California, and its shares trade on OTC Markets under the symbol BSFO.


Stock Summary Fair Value Profitability & Growth Quality & Risk Events & Dividends Technical Outlook FAQ

Jump between the core stock analysis sections, valuation data, fair value models, technical outlook, and FAQ.

Data update note: Fair value and stock analysis metrics are updated after regular market sessions when new data becomes available.
Ticker Fair Value Fair Value Upside/Downside Fair Value Rating Analyst Price Target Analyst Target Upside/Downside Analyst Target Rating Overall Financial Health Upcoming Dividend Ex-Date Dividend Payment Date Upcoming Dividend Dividend Yield Next Earnings Date P/E Ratio Price-to-Book Ratio Price-to-Sales Ratio Market Cap Enterprise Value Total Debt / Total Capital Free Float / Shares Outstanding Altman Z-Score Payout Ratio Free Cash Flow / Net Income
OTC-BSFO
$34.05
-21.9% Downside
Overvalued
—
—
—
Good
—
—
—
0.0%
July 31, 2026
12.2x
1.1x
3.1x
95.286 M
—
0.0%
94.7%
-1.2
—
91.3%
Valuation • Fair Value

Bank of San Francisco (OTC-BSFO) Fair Value by Valuation Model

Compare the primary fair value estimate for Bank of San Francisco (OTC-BSFO) with model-based valuation references such as DCF, Ben Graham, DDM, EPV and comparable-company valuation.

Primary Valuation Read

Fair Value

$34.05

Estimated downside of 21.9% versus the current market price.

Fair Value Confidence

Med

Confidence level for the primary fair value estimate.

DCF Fair Value

NM

Discounted cash flow valuation reference.

Ben Graham Formula Value

$39.06

Classic Ben Graham valuation formula reference.

DDM Fair Value

NM

Dividend discount model valuation reference.

EPV Fair Value

NM

Earnings power value estimate.

Comps Fair Value

$34.05

Comparable-company valuation reference.

Analyst Price Target

Not available

Data is currently unavailable.

How to read these valuation models

Use this section to compare the primary fair value estimate for Bank of San Francisco (OTC-BSFO) with several model-based valuation references. Different models can produce different outputs because each method relies on a different set of assumptions, so the primary fair value estimate should be read alongside the model spread rather than in isolation.

Profitability • Growth

Profitability & Growth for Bank of San Francisco (OTC-BSFO)

A compact read on revenue, forward revenue expectations, EBITDA and operating profitability trends.

Revenue

30.164 M

Current operating scale indicator.

Revenue Forecast

30.32 M

Forward revenue estimate.

EBITDA

0 K

Current operating profitability reference.

EBITDA Forecast

Not available

Data is currently unavailable.

How to read profitability and growth

This section helps investors review Bank of San Francisco (OTC-BSFO) from an operating perspective by combining current scale, forward revenue expectations and EBITDA-related profitability measures.

Quality • Risk

Quality & Financial Risk for Bank of San Francisco (OTC-BSFO)

Review financial health, earnings quality and balance-sheet risk through Piotroski, Beneish, Altman and cash conversion metrics.

Financial Health

Good

Positive financial-health read.

Piotroski Score

5

Mid-range quality score.

Beneish M-Score

NM

Forensic accounting screen.

Altman Z-Score

-1.2

Lower score that deserves closer risk review.

FCF / Net Income

91.3%

Cash conversion quality indicator.

How to read quality and risk

This section combines quality, balance-sheet and accounting-risk indicators for Bank of San Francisco (OTC-BSFO). Read the metrics together: no single score is a complete investment conclusion, but the combined view can highlight financial strength, earnings quality and areas that may deserve closer review.

Events • Dividends

Upcoming Events & Dividends for Bank of San Francisco (OTC-BSFO)

Track the next earnings date, ex-dividend date, dividend payment date, dividend yield and upcoming distribution details where available.

Next Earnings Date

July 31, 2026

Days to Earnings

10

Dividend Payment Date

Not available

Ex-Dividend Date

Not available

Dividend Yield

0.0%

Income yield reference.

Upcoming Dividend

Not available

Data is currently unavailable.

Payment Type

Not available

Data is currently unavailable.

Dividend Currency

Not available

Data is currently unavailable.

Payout Ratio

Not available

Data is currently unavailable.

How to read events and dividends

This section helps investors track time-sensitive items for Bank of San Francisco (OTC-BSFO), including the next earnings date and dividend-related milestones. These items can matter for short-term volatility, income planning and event-driven positioning.

Stock Forecast • Technical Outlook

Bank of San Francisco (OTC-BSFO) Stock Forecast & Technical Outlook

Review Bank of San Francisco (OTC-BSFO) across multiple technical time frames, alongside analyst recommendation data, to form a faster read on market positioning and near-term sentiment.

Technical Signals by Time Frame

Switch between time frames to review the current technical signal for the stock.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: 15-minute • intraday
Strong Buy

The 15-minute technical read for Bank of San Francisco (OTC-BSFO) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: 1-hour • short-term
Strong Buy

The 1-hour technical read for Bank of San Francisco (OTC-BSFO) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: daily • daily
Strong Buy

The daily technical read for Bank of San Francisco (OTC-BSFO) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: weekly • weekly
Strong Buy

The weekly technical read for Bank of San Francisco (OTC-BSFO) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: monthly • monthly
Strong Buy

The monthly technical read for Bank of San Francisco (OTC-BSFO) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Analyst Consensus for Bank of San Francisco (OTC-BSFO)

A consolidated view of buy, hold and sell recommendations based on the currently available analyst data.

Strong Sell Sell Neutral Buy Strong Buy
Consolidated analyst recommendation mix
Not available

Analyst recommendation data for Bank of San Francisco (OTC-BSFO) is not currently available.

Buy 0
Hold 0
Sell 0
FAQ • Fast Investor Answers

Bank of San Francisco (OTC-BSFO) Stock FAQ

Quick answers about Bank of San Francisco (OTC-BSFO) stock, including fair value, valuation rating, analyst price target, dividends, earnings dates, market capitalization, financial health and other key stock analysis metrics.

Fair Value
$34.05
Estimated downside 21.9%
Valuation Rating
Overvalued
Estimated downside of 21.9%
Analyst Target
Not available
Data is currently unavailable
Financial Health
Good
Current financial-health read

The current fair value estimate for Bank of San Francisco (OTC-BSFO) is $34.05. This implies an estimated downside of 21.9% versus the current market price.

Based on the current fair value estimate, the stock appears overvalued, with estimated downside of 21.9% versus the current market price.

An analyst price target for Bank of San Francisco (OTC-BSFO) is not currently available in the latest data file.

The current financial health read for Bank of San Francisco (OTC-BSFO) is Good. This should be reviewed alongside valuation, profitability, debt and cash-flow quality metrics.

The next earnings date currently listed for Bank of San Francisco (OTC-BSFO) is July 31, 2026.

Based on the current data, dividend yield is 0.0%.

The current P/E ratio listed for Bank of San Francisco (OTC-BSFO) is 12.2x. Use it together with growth, margins and sector comparisons rather than as a standalone valuation signal.

The current market capitalization listed for Bank of San Francisco is 95.286 M.

The ticker symbol for Bank of San Francisco is OTC-BSFO, and the stock is listed on OTC Markets.

Bank of San Francisco (OTC-BSFO) is listed on OTC Markets.

The current debt-to-total-capital ratio listed for Bank of San Francisco is 0.0%, which helps investors evaluate the company’s financing structure and leverage profile.

The free float listed for Bank of San Francisco is 94.7%. Free float helps investors understand how much of the share base is available for public trading.

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