Bank of San Francisco

Bank of San Francisco

BSFO
Bank of San FranciscoUS flagOther OTC
43.59
USD
- -
- -
95.29MMarket Cap
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
4.68
5.21
7.62
7.6
9.52
11.85
11.52
11.08
12.04
13.99
12.78
Basic EPS, GAAP
0.76
0.65
1.84
2.02
2.31
4.42
2.87
3.39
3.14
3.22
2.98
Free Cash Flow per Basic Share
0.98
0.96
2.24
2.23
4.01
4.21
3.24
4.38
3.67
3.34
- -
Dividend per Share
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Book Value per Share
11.24
11.91
20.42
20.39
22.75
27.16
30.11
33.45
36.22
39.47
37.56
Tangible Book Value per Share
11.24
11.91
20.42
20.39
22.75
27.16
30.11
33.45
36.14
39.49
37.55
Basic Weighted Avg Shares
2
2
2
2
2
2
2
2
2
2
2
Sales/Revenue/Turnover
9
11
14
15
19
24
24
23
25
29
27
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Net Income, GAAP
2
1
3
4
5
9
6
7
7
7
6
Effective Tax Rate (%)
41.09
55.15
29.1
29.51
29.59
29.57
29.34
29.62
29.76
28.58
29.79
Profit Margin (%)
16.19
12.45
24.15
26.57
24.24
37.3
24.89
30.59
26.05
23.04
23.32
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
- -
- -
- -
- -
90
- -
- -
- -
- -
- -
- -
Total Equity
23
24
37
41
46
55
62
68
75
83
79
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Common Equity (%)
- -
5.6
10.89
10.44
10.72
17.77
10.04
10.67
9.09
8.55
8.29

Capital Structure

FRC

in mil. unless spec.
Dec'24
Mar'25
Jun'25
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
2
2
2
Market Capitalization
67
64
58

Working Capital

FRC

in mil. unless spec.
Dec'24
Mar'25
Jun'25
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
99
100
109
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
- -
12.64%
10.27%
Free Cash Flow
- -
-0.9%
-8.02%
Net Income, GAAP
- -
14.88%
3.68%
Sales/Revenue/Turnover
- -
9.48%
17.24%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
6
6
7
7
25
2025
6
7
8
- -
29
2026
8
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.7
0.76
0.9
- -
3.14
2025
0.53
0.78
- -
- -
3.22
2026
0.95
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
- -
2025
- -
- -
- -
- -
- -
2026
- -
- -
- -
- -
- -

Company Description

APIChatGPT
CEO
William S. Keller
Full Time Employees
38
Sector
Financial Services
Industry
Banks - Regional
Address
575 Market Street San Francisco CA United States of America 94105
IPO Date
Nov 19, 2018
Business
Bank of San Francisco (OTCQX: BSFO) operates as a community and private bank serving businesses, nonprofits, individuals, and families in the San Francisco Bay Area. Founded in 2005 and headquartered at 345 California Street in San Francisco, California, the bank offers deposit products including checking accounts, savings accounts, interest checking for sole proprietors and nonprofits, money market accounts, certificates of deposit, individual retirement accounts, IntraFi Network deposits, interest on lawyers' trust accounts, and contractor's escrow retention; lending solutions encompassing home loans such as tenancy-in-common and co-op financing, single-family home and condo loans, condo conversions, multi-unit property loans, vacation home and investment property loans, and home equity lines of credit, as well as commercial loans featuring revolving lines of credit and term loans, business acquisition financing, commercial real estate loans, construction loans, Small Business Administration and 504 loans, and specialized financing for medical, dental practices, and professional service firms; treasury management services like remote deposit capture, ACH origination for payroll and vendor payments, wire transfers, positive pay, and security tokens; digital banking capabilities including account access and transaction details, data exports, transfers and loan payments, bank-to-bank transfers, mobile check deposit, bill pay, person-to-person payments via Zelle, and compatibility with Apple, Samsung, and Google Pay; and additional services such as cashier's checks, foreign drafts, merchant services, notary public, wire transfers, payroll services, debit and credit cards, direct online payment and donation processing, and access to conference rooms. The bank focuses on high-touch personalized service supported by modern technology, with operations centered in the greater San Francisco Bay Area and worldwide ATM fee reimbursement. Recent developments include the promotion of William D. Ward to President and Chief Operating Officer on July 31, 2025; James H. Herbert, III joining the Board of Directors and transitioning from an executive role in May 2025; the appointment and subsequent adjustment of leadership with Wendy Ross's retirement as President effective January 31, 2025, following an earlier announced exit; the launch of Private Banking in 2023 to provide holistic advisory services across business, home, family, and philanthropy; relocation to new headquarters in 2022; and construction beginning in 2025 on a Laurel Village branch slated for early 2026 opening.

Company News

APIChatGPT
  • Bank of San Francisco Reports First Quarter Ended March 31, 2026 Financial Results