Bank of San Francisco Financial Ratios — BSFO Stock

Profitability (USD)

	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Return on Common Equity (%)	- -	5.6	10.89	10.44	10.72	17.77	10.04	10.67	9.09	8.55
Return on Assets (%)	- -	0.5	1.07	1.12	0.87	1.41	0.98	1.15	1.07	1.01
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	1.57	1.31	0.99	0.96	0.66	0.53	0.6	1.12	0.98	0.85
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	27.49	27.77	34.06	37.69	34.43	52.97	35.22	43.46	37.08	32.26
Profit Margin (%)	16.19	12.45	24.15	26.57	24.24	37.3	24.89	30.59	26.05	23.04
Net Income to Common Margin (%)	16.19	12.45	24.15	26.57	24.24	37.3	24.89	30.59	26.05	23.04
Effective Tax Rate (%)	41.09	55.15	29.1	29.51	29.59	29.57	29.34	29.62	29.76	28.58
Dvd Payout Ratio (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Sustainable Growth Rate (%)	- -	5.6	10.89	10.44	10.72	17.77	10.04	10.67	9.09	8.55

Credit (USD)

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	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Total Debt	- -	- -	- -	- -	90	- -	- -	- -	- -	- -
ST Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
LT Debt	- -	- -	- -	- -	90	- -	- -	- -	- -	- -
Total Debt/EBITDA	- -	- -	- -	- -	703.41	- -	- -	- -	- -	- -
Net Debt/EBITDA	-304.16	-436.39	-353.76	-502.7	-276.22	-712.85	-423.9	-399.88	-306.4	-288.16
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	9.73	8.3	11.17	10.31	6.81	9.21	10.41	11.17	12.27	11.32
Long-Term Debt/Equity (%)	- -	- -	- -	- -	195.48	- -	- -	- -	- -	- -
Long-Term Debt/Capital (%)	- -	- -	- -	- -	66.16	- -	- -	- -	- -	- -
Long-Term Debt/Total Assets (%)	- -	- -	- -	- -	13.31	- -	- -	- -	- -	- -
Total Debt/Equity (%)	- -	- -	- -	- -	195.48	- -	- -	- -	- -	- -
Total Debt/Capital (%)	- -	- -	- -	- -	66.16	- -	- -	- -	- -	- -
Total Debt/Total Assets (%)	- -	- -	- -	- -	13.31	- -	- -	- -	- -	- -
Net Debt to Equity	-198.57	-249.39	-130.91	-179.62	-76.76	-165.08	-97.56	-148.53	-99.87	-86.36
Net Debt/Capital (%)	201.45	166.94	423.51	225.6	-330.37	253.67	-3,996.9	306.06	-27,173.51	-635.59
EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx	- -	- -	- -	- -	- -	- -	-1	- -	- -	-1
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

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	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	9.73	8.3	11.17	10.31	6.81	9.21	10.41	11.17	12.27	11.32
Long-Term Debt/Equity (%)	- -	- -	- -	- -	195.48	- -	- -	- -	- -	- -
Long-Term Debt/Capital (%)	- -	- -	- -	- -	66.16	- -	- -	- -	- -	- -
Long-Term Debt/Total Assets (%)	- -	- -	- -	- -	13.31	- -	- -	- -	- -	- -
Total Debt/Equity (%)	- -	- -	- -	- -	195.48	- -	- -	- -	- -	- -
Total Debt/Capital (%)	- -	- -	- -	- -	66.16	- -	- -	- -	- -	- -
Total Debt/Total Assets (%)	- -	- -	- -	- -	13.31	- -	- -	- -	- -	- -
CFO/Total Liabilities	0.96	0.75	1.4	1.32	1.3	1.58	1.51	1.73	1.42	1.3
CFO/CapEx	61.85	41.08	66.53	21.63	161.64	129.41	5.91	21.09	146.6	5.92
Altman's Z-Score	0.07	0.07	0.16	0.18	0.11	0.16	0.18	0.19	0.22	0.14

Working Capital (USD)

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	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Accounts Receivable Turnover	- -	5.04	5.68	4.06	3.33	3.88	2.77	4	- -	- -
Days Sales Outstanding	- -	72.38	64.24	89.85	109.61	94.07	131.98	91.22	- -	- -
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

API Chat

	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Market Capitalization	- -	- -	37	52	44	49	56	54	67	- -
- Cash & Cash Equivalents	45	60	48	74	125	91	60	102	75	72
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	- -	- -	- -	- -	90	- -	- -	- -	- -	- -
Enterprise Value	-45	-60	-11	-22	9	-42	-4	-47	-32	-80
Total Capital	23	24	37	41	136	55	62	68	75	83
Total Debt/Capital (%)	- -	- -	- -	- -	66.16	- -	- -	- -	- -	- -
Total Debt / EV	- -	- -	- -	- -	9.83	- -	- -	- -	- -	- -
EV/Sales	- -	- -	- -	- -	0.48	- -	- -	- -	- -	- -
EV/EBITDA	- -	- -	- -	- -	71.55	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	- -	1.12	- -	- -	- -	- -	- -
EV/Free Cash Flow to Firm	- -	- -	- -	- -	1.11	- -	- -	- -	- -	- -
Diluted Market Cap	- -	- -	37	52	45	49	56	54	67	- -
Diluted Enterprise Value	-45	-60	-11	-22	9	-42	-4	-47	-8	-72
EV per Share	- -	- -	- -	- -	4.52	- -	- -	- -	- -	- -
TTM Sales	9	11	14	15	19	24	24	23	25	29
TTM EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	2	2	4	5	8	9	8	9	8	8
TTM Free Cash Flow to Firm	2	2	4	5	8	9	9	10	8	10

Multiples (USD)

API Chat

	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Price/Free Cash Flow	- -	- -	8.96	10.54	5.45	5.65	5.99	5.53	8.71	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	-45	-60	-11	-22	9	-42	-4	-47	-32	-80
Low Price	- -	- -	20.65	20.65	18.3	21.99	23.2	18.2	25.5	26.25
EV/Sales	- -	- -	- -	- -	0.48	- -	- -	- -	- -	- -
EV/EBITDA	- -	- -	- -	- -	71.55	- -	- -	- -	- -	- -
Price/Earnings	- -	- -	11.22	12.7	9.53	5.44	9.49	7.86	10.2	- -
Price/Earnings Average	- -	- -	11.22	12	9.08	5.69	8.78	6.62	9.25	- -
Price/Earnings High	- -	- -	11.22	13.37	11.53	6.11	9.68	8.33	10.2	- -
Price/Earnings Low	- -	- -	11.22	10.23	7.93	4.97	8.09	5.37	8.13	- -
Price/Book Value	- -	- -	1.01	1.26	0.97	0.89	0.9	0.8	0.88	- -
Price/Book Value Average	- -	- -	1.01	1.19	0.92	0.93	0.84	0.67	0.8	- -
Price/Book Value High	- -	- -	1.01	1.32	1.17	0.99	0.92	0.84	0.88	- -
Price/Book Value Low	- -	- -	1.01	1.01	0.8	0.81	0.77	0.54	0.7	- -
Price/Tangible Book Value	- -	- -	1.01	1.26	0.97	0.89	0.9	0.8	0.89	- -
Price/Tangible Book Value Average	- -	- -	1.01	1.19	0.92	0.93	0.84	0.67	0.8	- -
Price/Tangible Book Value High	- -	- -	1.01	1.32	1.17	0.99	0.92	0.84	0.89	- -
Price/Tangible Book Value Low	- -	- -	1.01	1.01	0.8	0.81	0.77	0.54	0.71	- -
Price/Sales	- -	- -	2.71	3.37	2.31	2.03	2.36	2.4	2.66	- -
Price/Sales Average	- -	- -	2.71	3.19	2.2	2.12	2.18	2.03	2.41	- -
Price/Sales High	- -	- -	2.71	3.55	2.79	2.28	2.41	2.55	2.66	- -
Price/Sales Low	- -	- -	2.71	2.72	1.92	1.86	2.01	1.64	2.12	- -
Price/Cash Flow	- -	- -	9.1	10.97	5.44	5.67	6.97	5.79	8.67	- -
Price/Cash Flow Average	- -	- -	9.1	10.37	5.19	5.93	6.45	4.88	7.86	- -
Price/Cash Flow High	- -	- -	9.1	11.55	6.58	6.37	7.11	6.14	8.67	- -
Price/Cash Flow Low	- -	- -	9.1	8.83	4.53	5.19	5.94	3.95	6.91	- -
Price/Free Cash Flow Average	- -	- -	8.96	9.95	5.19	5.91	5.55	4.66	7.9	- -
Price/Free Cash Flow High	- -	- -	8.96	11.09	6.59	6.34	6.11	5.86	8.71	- -
Price/Free Cash Flow Low	- -	- -	8.96	8.48	4.53	5.16	5.11	3.78	6.94	- -
EV/Sales Average	- -	- -	- -	- -	0.37	- -	- -	- -	- -	- -
EV/Sales High	- -	- -	- -	- -	0.96	- -	- -	- -	- -	- -
EV/Sales Low	- -	- -	- -	- -	0.09	- -	- -	- -	- -	- -
EV/EBITDA Average	-304.16	-436.39	-80.45	-170.16	55.06	-312.94	-60.56	-219.15	-60.02	-288.16
EV/EBITDA High	-304.16	-436.39	-80.45	-132.19	144.45	-283.56	-23.41	-172.5	-34.71	-288.16
EV/EBITDA Low	-304.16	-436.39	-80.45	-219.32	13.19	-363.22	-89.08	-253.39	-89.9	-288.16
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	- -	- -	20.65	25.65	21.99	24.05	27.2	26.65	32	32.4
High Price	- -	- -	20.65	27	26.6	27	27.75	28.25	32	32.4
Enterprise Value Average	-45	-60	-11	-25	7	-40	-9	-56	-15	-72
Enterprise Value High	-45	-60	-11	-19	18	-36	-3	-44	-9	-72
Enterprise Value Low	-45	-60	-11	-32	2	-46	-13	-64	-22	-72

	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Shares Outstanding	2	2	2	2	2	2	2	2	2	2
Diluted Weighted Avg Shares	2	2	2	2	2	2	2	2	2	- -
Basic Weighted Avg Shares	2	2	2	2	2	2	2	2	2	- -
Revenue per Share	4.68	5.21	7.62	7.6	9.52	11.85	11.52	11.08	12.04	- -
EBITDA per Share	0.07	0.07	0.08	0.07	0.06	0.06	0.07	0.12	0.12	- -
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	0.76	0.65	1.84	2.02	2.31	4.42	2.87	3.39	3.14	- -
Basic EPS from Cont Ops	0.76	0.65	1.84	2.02	2.31	4.42	2.87	3.39	3.14	- -
Diluted EPS, GAAP	0.76	0.65	1.84	2.01	2.29	4.41	2.85	3.39	3.1	- -
Diluted EPS from Cont Ops	0.76	0.65	1.84	2.01	2.29	4.41	2.85	3.39	3.1	- -
Dividend per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Flow per Share	1	0.98	2.27	2.34	4.04	4.24	3.9	4.6	3.69	- -
Free Cash Flow per Basic Share	0.98	0.96	2.24	2.23	4.01	4.21	3.24	4.38	3.67	- -
Cash & Equivalents per Share	22.33	29.7	26.73	36.63	61.94	44.83	29.37	49.68	47.42	- -
Book Value per Share	11.24	11.91	20.42	20.39	22.75	27.16	30.11	33.45	36.22	- -
Tangible Book Value per Share	11.24	11.91	20.42	20.39	22.75	27.16	30.11	33.45	36.14	- -

Bank of San Francisco

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)