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Last update at 2026-06-22T20:00:00Z
Source: TradingView
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| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Income before tax | 9.49M | 9.31M | 9.85M | 8.30M | 12.76M |
| Minority interest | - | - | - | - | - |
| Net income | 6.78M | 6.54M | 6.93M | 5.86M | 8.99M |
| Selling general administrative | 11.90M | 10.54M | 8.19M | 8.80M | 8.14M |
| Selling and marketing expenses | - | - | - | - | - |
| Gross profit | - | - | - | - | - |
| Reconciled depreciation | 0.25M | 0.25M | 0.25M | 0.14M | 0.13M |
| Ebit | - | - | - | - | - |
| Ebitda | - | - | - | - | - |
| Depreciation and amortization | - | - | - | - | - |
| Non operating income net other | - | - | - | - | - |
| Operating income | - | - | - | - | - |
| Other operating expenses | - | - | - | - | 1.68M |
| Interest expense | 7.58M | 8.88M | 7.58M | 1.84M | 1.08M |
| Tax provision | 2.71M | 2.77M | 2.92M | 2.43M | 3.77M |
| Interest income | 36.40M | 33.05M | 29.31M | 24.73M | 24.52M |
| Net interest income | 28.82M | 24.17M | 21.73M | 22.89M | 23.44M |
| Extraordinary items | - | - | - | - | - |
| Non recurring | - | - | - | - | - |
| Other items | - | - | - | - | - |
| Income tax expense | - | - | - | - | 3.77M |
| Total revenue | 29.42M | 25.10M | 22.66M | 23.55M | 24.09M |
| Total operating expenses | - | - | - | - | - |
| Cost of revenue | - | - | - | - | - |
| Total other income expense net | - | - | - | - | - |
| Discontinued operations | - | - | - | - | - |
| Net income from continuing ops | 6.78M | 6.54M | 6.93M | 5.86M | 8.99M |
| Net income applicable to common shares | - | - | - | - | 8.99M |
| Preferred stock and other adjustments | - | - | - | - | - |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Total assets | 733.05M | 615.44M | 611.98M | 591.35M | 599.45M |
| Intangible assets | - | - | - | - | - |
| Earning assets | - | - | - | - | - |
| Other current assets | - | - | - | - | 1.70M |
| Total liab | 650.00M | 540.12M | 543.60M | 529.81M | 544.24M |
| Total stockholder equity | 83.06M | 75.32M | 68.37M | 61.54M | 55.21M |
| Deferred long term liab | - | - | - | - | - |
| Other current liab | - | - | - | - | - |
| Common stock | - | - | - | - | 27.23M |
| Capital stock | 29.49M | 28.76M | 28.17M | 27.70M | 27.23M |
| Retained earnings | 53.52M | 46.74M | 40.21M | 33.84M | 27.98M |
| Other liab | - | - | - | - | 1.69M |
| Good will | - | - | - | - | - |
| Other assets | - | - | - | - | 502.68M |
| Cash | 71.73M | 75.22M | 101.55M | 60.04M | 91.14M |
| Cash and equivalents | - | - | - | - | - |
| Total current liabilities | - | - | - | - | 542.34M |
| Current deferred revenue | - | - | - | - | - |
| Net debt | - | - | - | - | - |
| Short term debt | - | - | - | - | - |
| Short long term debt | - | - | - | - | - |
| Short long term debt total | - | - | - | - | - |
| Other stockholder equity | - | - | - | - | - |
| Property plant equipment | - | - | - | - | 0.86M |
| Total current assets | - | - | - | - | 92.84M |
| Long term investments | 26.03M | 23.62M | - | - | - |
| Net tangible assets | - | - | - | - | 55.21M |
| Short term investments | 7.99M | 23.62M | - | - | - |
| Net receivables | - | - | - | 11.32M | 5.71M |
| Long term debt | - | - | - | - | - |
| Inventory | - | - | - | - | - |
| Accounts payable | - | - | - | 7.52M | 541.79M |
| Total permanent equity | - | - | - | - | - |
| Noncontrolling interest in consolidated entity | - | - | - | - | - |
| Temporary equity redeemable noncontrolling interests | - | - | - | - | - |
| Accumulated other comprehensive income | - | - | - | - | - |
| Additional paid in capital | - | - | - | - | - |
| Common stock total equity | - | - | - | - | - |
| Preferred stock total equity | - | - | - | - | - |
| Retained earnings total equity | - | - | - | - | - |
| Treasury stock | - | - | - | - | - |
| Accumulated amortization | - | - | - | - | - |
| Non currrent assets other | - | - | - | - | - |
| Deferred long term asset charges | - | - | - | - | - |
| Non current assets total | - | - | - | - | - |
| Capital lease obligations | - | - | - | - | - |
| Long term debt total | - | - | - | - | - |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Investments | -2.17762M | -23.85117M | 18.97M | -19.57617M | 41.15M |
| Change to liabilities | - | - | - | - | 0.00000M |
| Total cashflows from investing activities | - | - | - | - | 41.15M |
| Net borrowings | - | - | - | - | -89.77740M |
| Total cash from financing activities | 106.83M | -4.68968M | 13.14M | -19.50032M | -83.66161M |
| Change to operating activities | - | - | - | - | -0.57998M |
| Net income | 6.78M | 6.54M | 6.93M | 5.86M | 8.99M |
| Change in cash | -3.49693M | -26.33130M | 41.52M | -31.09877M | -33.89417M |
| Begin period cash flow | 75.22M | 101.55M | 60.04M | 91.14M | 125.03M |
| End period cash flow | 71.73M | 75.22M | 101.55M | 60.04M | 91.14M |
| Total cash from operating activities | 8.46M | 7.69M | 9.41M | 7.98M | 8.62M |
| Issuance of capital stock | - | - | - | - | - |
| Depreciation | 0.25M | 0.25M | 0.25M | 0.14M | 0.13M |
| Other cashflows from investing activities | - | - | - | - | -0.87830M |
| Dividends paid | - | - | - | - | - |
| Change to inventory | - | - | - | - | - |
| Change to account receivables | -2.79973M | 0.08M | 1.52M | -5.90130M | 1.26M |
| Sale purchase of stock | - | - | - | - | - |
| Other cashflows from financing activities | - | - | - | - | 6.12M |
| Change to netincome | - | - | - | - | -1.18125M |
| Capital expenditures | 1.43M | 0.05M | 0.45M | 0.00000M | 0.07M |
| Change receivables | - | - | - | - | - |
| Cash flows other operating | - | - | - | - | - |
| Exchange rate changes | - | - | - | - | - |
| Cash and cash equivalents changes | - | - | - | - | - |
| Change in working capital | 0.25M | 1.28M | 2.18M | -0.82920M | 0.68M |
| Stock based compensation | 0.73M | 0.59M | 0.46M | 0.47M | 0.30M |
| Other non cash items | - | - | - | - | - |
| Free cash flow | 7.03M | 7.64M | 8.96M | 7.98M | 8.62M |
Sector: Financial Services Industry: Banks - Regional
| Company | Change (USD) | Price (USD) | Trailing PE (x) | Forward PE (x) | Price Sales TTM (x) | Price to Book Value (x) | Enterprise Value to Revenue (x) |
|---|---|---|---|---|---|---|---|
| BSFO Bank of San Francisco |
- -% | 43.05 | 11.85 | - | 2.91 | 1.00 | 2.83 |
| HDB HDFC Bank Limited ADR |
-0.07 0.28% | 25.02 | 20.81 | 20.96 | 0.11 | 4.77 | |
| CIHKY China Merchants Bank Co Ltd |
0.13 0.44% | 29.92 | 7.78 | 7.65 | 0.56 | 0.90 | 3.62 |
| DBSDF DBS Group Holdings Ltd |
-0.1 0.19% | 51.25 | 15.29 | 14.41 | 5.84 | 2.36 | 10.40 |
| CIHHF China Merchants Bank Co Ltd Class H |
- -% | 5.70 | 6.10 | 5.67 | 0.44 | 0.77 | 3.43 |
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 provides home loans, including tenancy in common and co-op, single-family home and condo, condo conversion, multi-unit property loans, vacation home and investment properties, as well as home equity lines of credit; and commercial loans, such as revolving lines of credit and term, business acquisition, commercial real estate, construction, and small business administration and 504 loans, as well as medical, dental practice, and professional service firm financing. In addition, the company offers digital banking services, such as Account statement access and transaction details, data export and statement downloads, and transfers and loan payments; bank-to-bank transfers; remote and mobile check deposit; bill pay and person-to-person payments; wire and ACH origination; payroll; and positive pay, as well as Zelle, and Apple, Samsung, and Google Pay. Further, it provides cashier's checks, foreign drafts, merchant services, notary public, wire transfers, payroll services, and debit and credit cards; online and mobile banking services; and direct online payment and donation processing, quarterly lunch-and-learn networking events, and access to smart conference rooms. Bank of San Francisco was incorporated in 2005 and is headquartered in San Francisco, California.
345 California Street, San Francisco, CA, United States, 94104
| Name | Title | Year Born |
|---|---|---|
| Mr. Edward C. Obuchowski | Founder, CEO & Director | NA |
| Ms. Wendy A. Ross | Founder, Pres & Director | NA |
| Ms. Jennifer Corr | Exec. VP, CFO & Corp. Sec. | NA |
| Ms. Juanna Collin | Exec. VP & COO | NA |
| Mr. Tim Rosenthal | Sr. VP | NA |
| Ms. Lia Economopoulos | Sr. VP | NA |
| Mr. Samuel Clonmell | Sr. VP | NA |
| Mr. John Verdoia | Sr. VP | NA |
| Mr. Felix Miranda | Exec. VP & Commercial Banking Mang. | NA |
| Mr. Michael De Vivo | Exec. VP & Chief Credit Officer | NA |
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