Bank of San Francisco
Bank of San Francisco provides various banking products and services to businesses, nonprofits, and individuals in the greater San Francisco Bay Area. The company offers checking, savings, interest checking, money market accounts, certificates of deposit, individual retirement accounts, IntraFi network deposits, interest on lawyers' trust accounts, and contractor's escrow retention. It also provi… Read more
Bank of San Francisco (BSFO) - Net Assets
Latest net assets as of June 2025: $78.52 Million USD
Based on the latest financial reports, Bank of San Francisco (BSFO) has net assets worth $78.52 Million USD as of June 2025.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($671.91 Million) and total liabilities ($593.39 Million). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $78.52 Million |
| % of Total Assets | 11.69% |
| Annual Growth Rate | 18.85% |
| 5-Year Change | 66.84% |
| 10-Year Change | N/A |
| Growth Volatility | 14.59 |
Bank of San Francisco - Net Assets Trend (2015–2023)
This chart illustrates how Bank of San Francisco's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for Bank of San Francisco (2015–2023)
The table below shows the annual net assets of Bank of San Francisco from 2015 to 2023.
| Year | Net Assets | Change |
|---|---|---|
| 2023-12-31 | $68.37 Million | +11.10% |
| 2022-12-31 | $61.54 Million | +11.47% |
| 2021-12-31 | $55.21 Million | +20.21% |
| 2020-12-31 | $45.93 Million | +12.07% |
| 2019-12-31 | $40.98 Million | +11.53% |
| 2018-12-31 | $36.74 Million | +52.68% |
| 2017-12-31 | $24.07 Million | +5.89% |
| 2016-12-31 | $22.73 Million | +32.28% |
| 2015-12-31 | $17.18 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to Bank of San Francisco's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 876.1% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2023)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | $40.21 Million | 58.80% |
| Other Components | $28.17 Million | 41.20% |
| Total Equity | $68.37 Million | 100.00% |
Bank of San Francisco Competitors by Market Cap
The table below lists competitors of Bank of San Francisco ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
UFLEX Limited
NSE:UFLEX
|
$56.56 Million |
|
Sumiseki HoldingsInc.
PINK:SMSKF
|
$56.59 Million |
|
Prolific Technology
TWO:6233
|
$56.60 Million |
|
Tu Liem Urban Development JSC
VN:NTL
|
$56.62 Million |
|
Orthex Oyj
HE:ORTHEX
|
$56.52 Million |
|
Centro de Imagem Diagnósticos S.A
SA:AALR3
|
$56.52 Million |
|
3D Global Biotech Inc.
TWO:6808
|
$56.51 Million |
|
REITMANS CDA LTD
F:CX40
|
$56.50 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Bank of San Francisco's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2022 to 2023, total equity changed from 61,541,358 to 68,373,264, a change of 6,831,906 (11.1%).
- Net income of 6,929,986 contributed positively to equity growth.
Equity Change Factors (2022 to 2023)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $6.93 Million | +10.14% |
| Other Changes | $-98.08K | -0.14% |
| Total Change | $- | 11.10% |
Book Value vs Market Value Analysis
This analysis compares Bank of San Francisco's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 0.94x
- The company is trading below its book value, potentially indicating the market believes the assets are overvalued on the balance sheet or anticipates future losses.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2015-12-31 | $0.00 | $30.50 | x |
| 2016-12-31 | $0.00 | $30.50 | x |
| 2017-12-31 | $11.91 | $30.50 | x |
| 2018-12-31 | $18.18 | $30.50 | x |
| 2019-12-31 | $20.10 | $30.50 | x |
| 2020-12-31 | $22.34 | $30.50 | x |
| 2021-12-31 | $26.61 | $30.50 | x |
| 2022-12-31 | $29.39 | $30.50 | x |
| 2023-12-31 | $32.43 | $30.50 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Bank of San Francisco utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 10.14%
- The company shows good efficiency in utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 30.59%
- • Asset Turnover: 0.04x
- • Equity Multiplier: 8.95x
- Recent ROE (10.14%) is above the historical average (9.39%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2015 | 7.36% | 15.31% | 0.04x | 12.40x | $-452.91K |
| 2016 | 6.73% | 16.19% | 0.04x | 10.28x | $-742.39K |
| 2017 | 5.45% | 12.45% | 0.04x | 12.05x | $-1.10 Million |
| 2018 | 9.01% | 24.15% | 0.04x | 8.96x | $-362.18K |
| 2019 | 9.90% | 26.57% | 0.04x | 9.70x | $-40.37K |
| 2020 | 10.14% | 24.24% | 0.03x | 14.68x | $65.56K |
| 2021 | 16.28% | 37.30% | 0.04x | 10.86x | $3.47 Million |
| 2022 | 9.52% | 24.89% | 0.04x | 9.61x | $-292.36K |
| 2023 | 10.14% | 30.59% | 0.04x | 8.95x | $92.66K |
Industry Comparison
This section compares Bank of San Francisco's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $25,670,820,700
- Average return on equity (ROE) among peers: 9.44%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Bank of San Francisco (BSFO) | $78.52 Million | 7.36% | 7.56x | $56.55 Million |
| Ameris Bancorp (ABCB) | $120.94 Million | 10.83% | 9.48x | $4.91 Billion |
| ACNB Corporation (ACNB) | $2.75 Billion | 1.01% | 0.01x | $462.57 Million |
| Addiko Bank AG (ADBKF) | $839.50 Million | 5.41% | 6.63x | $210.07 Million |
| Affinity Bancshares Inc (AFBI) | $120.97 Million | 6.26% | 5.51x | $79.94 Million |
| Absa Group Limited (AGRPF) | $19.52 Billion | 23.08% | 14.72x | $6.72 Billion |
| AIB Group plc (AIBGY) | $14.46 Billion | -16.17% | 8.45x | $21.72 Billion |
| Akbank Turk Anonim Sirketi (AKBTY) | $211.22 Billion | 31.48% | 8.02x | $8.60 Billion |
| Alpha Bank SA (ALBKY) | $7.32 Billion | 8.44% | 8.89x | $1.12 Billion |
| Community Capital Bancshares Inc (ALBY) | $9.19 Million | 7.09% | 8.66x | $19.76 Million |
| Alpine Banks of Colorado (ALPIB) | $342.89 Million | 16.92% | 10.27x | $248.47 Million |