1. United States of America Stocks

  2. •

    Financial Services

  3. •

    Banks - Regional
Golden State Bancorp

Golden State Bancorp

GSBX
Golden State BancorpUS flagOther OTC
38.35
USD
- -
- -
70.43MMarket Cap
Golden State Bancorp
GSBX
(Other OTC)

Recent

price

38.35

P/E

ratio

- -

div

yld

- -

ROIC.AI

2003
2004
2005
2006
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
0.22
26.99
64.44
112.27
7.41
6.36
9.5
10.56
10.44
11.13
12.73
13.37
Revenue per Share
-2.2
-12
9.46
18
0.81
-0.31
1.9
3.22
2.95
3.02
3.37
3.61
Basic EPS, GAAP
-3.31
-6.55
- -
- -
2.1
0.43
3.6
4.65
3.41
3.53
4.28
- -
Free Cash Flow per Basic Share
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Dividend per Share
192.18
182.96
362.36
384.82
17.82
16.54
20
18.94
20.5
23.46
25.54
27.02
Book Value per Share
192.18
182.96
362.36
384.82
18.07
16.85
20.33
22.84
24.22
26.55
29.38
30.33
Tangible Book Value per Share
- -
- -
- -
- -
2
2
2
2
3
3
3
3
Basic Weighted Avg Shares
- -
1
4
6
13
12
18
25
27
30
35
37
Sales/Revenue/Turnover
-998.85
-44.44
14.71
20.79
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
1
- -
- -
Depreciation Expense
- -
-1
1
1
1
-1
4
8
8
8
9
10
Net Income, GAAP
- -
- -
0.19
22.88
30.09
- -
29.99
29.33
29.4
21.22
29.66
29.32
Effective Tax Rate (%)
-1,000.99
-44.46
14.68
16.04
10.9
-4.92
20.05
30.48
28.21
27.14
26.43
27.03
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
- -
- -
- -
- -
23
37
41
28
45
48
60
60
LT Debt
11
10
20
21
31
31
38
55
63
71
81
84
Total Equity
- -
- -
3.49
4.82
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
-6.39
3.49
4.82
5.36
-1.87
10.5
18.63
15.52
13.98
13.94
13.83
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
3
3
3
Market Capitalization
83
87
90

Working Capital

FRC

•

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
126
124
141
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
25.65%
21.85%
14.13%
Free Cash Flow
- -
166.25%
25.12%
Net Income, GAAP
-32.79%
-116.32%
14.9%
Sales/Revenue/Turnover
1,259.47%
25.97%
17.99%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
7
7
8
8
30
2025
8
9
9
9
35
2026
10
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.74
- -
- -
- -
3.02
2025
0.66
0.91
0.95
- -
3.37
2026
0.9
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
- -
2025
- -
- -
- -
- -
- -
2026
- -
- -
- -
- -
- -
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Business
Golden State Bancorp (GSBX) operates as the holding company for Golden State Bank, a full-service commercial bank serving business, commercial, and professional markets in Southern California, including Los Angeles, Orange, Riverside, San Diego, Ventura, and San Bernardino counties. The bank offers deposit products such as checking accounts, savings deposits, money market accounts, certificates of deposit, and cash management services; lending solutions encompassing commercial real estate loans, business operating term loans, construction loans, non-owner occupied residential financing, strategic bridge financing, and lines of credit; and digital services including online banking, mobile banking, and bill pay. Founded in 2015 and headquartered at 500 North Brand Boulevard in Glendale, California, the company maintains branches in Glendale and Upland to support its regional operations. In recent developments, Golden State Bancorp reported record operating results for the first quarter of 2025, with total assets rising 9.7% to $918.2 million and net loans increasing 10.7% from year-end 2024 levels, alongside its board approving a new stock repurchase program authorizing up to $2 million in common stock buybacks to enhance shareholder value. The company also announced management enhancements to its executive team in August 2025 and a management change in July 2025, reflecting ongoing strategic adjustments amid strong financial performance with trailing twelve-month revenue of $29.43 million and net income of $8.69 million.