Bank of San Francisco (BSFO)
For informational purposes only. Not financial advice. Analysis by Sedat Aydin, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
Bank of San Francisco (BSFO) with AI Score 52/100 (Hold). Bank of San Francisco provides banking products and services to businesses, nonprofits, entrepreneurs, professionals, individuals, and families in the San Francisco Bay Area. Market cap: 0, Sector: Financial services.
Last analyzed: Mar 17, 2026Bank of San Francisco (BSFO) Financial Services Profile
Bank of San Francisco, established in 2005, provides comprehensive banking services to the San Francisco Bay Area, focusing on businesses, nonprofits, and individuals. With a P/E ratio of 12.80 and a profit margin of 18.5%, the bank operates in a competitive regional banking sector, emphasizing personalized service and local market expertise.
Investment Thesis
Bank of San Francisco presents an investment opportunity within the regional banking sector, characterized by its focus on the San Francisco Bay Area. With a P/E ratio of 12.80 and a profit margin of 18.5%, the bank demonstrates profitability. Growth catalysts include expanding its loan portfolio and increasing its customer base within its target market. Key value drivers include maintaining a strong credit quality and managing operational efficiency. Potential risks include competition from larger regional and national banks, as well as regulatory changes impacting the financial services industry. Monitoring the bank's ability to sustain its profit margin and manage credit risk is crucial for evaluating its long-term performance.
Based on FMP financials and quantitative analysis
Key Highlights
- Market Cap of $0.08B indicates a smaller, community-focused bank.
- P/E Ratio of 12.80 suggests the bank is reasonably valued compared to its earnings.
- Profit Margin of 18.5% demonstrates strong profitability in the banking sector.
- Gross Margin of 80.8% highlights efficient management of interest income and expenses.
- Beta of 0.04 indicates low volatility relative to the market, suggesting a stable investment.
Competitors & Peers
Strengths
- Strong local presence in the San Francisco Bay Area.
- Personalized customer service.
- Focus on serving businesses and nonprofits.
- Experienced management team.
Weaknesses
- Limited geographic reach compared to larger banks.
- Smaller asset base.
- Dependence on the local economy.
- OTC market listing may limit investor access.
Catalysts
- Ongoing: Expansion of commercial lending activities to drive revenue growth.
- Ongoing: Increased focus on digital banking services to attract new customers.
- Ongoing: Strategic partnerships with local nonprofits to enhance community engagement.
- Upcoming: Potential for increased interest rates to improve net interest margin.
- Ongoing: Targeted marketing to entrepreneurs and startups in the Bay Area.
Risks
- Potential: Competition from larger regional and national banks.
- Potential: Economic downturn in the San Francisco Bay Area.
- Potential: Regulatory changes impacting the banking industry.
- Ongoing: Low trading volume and liquidity due to OTC market listing.
- Potential: Credit risk associated with loan portfolio.
Growth Opportunities
- Expansion of Commercial Lending: Bank of San Francisco can grow by expanding its commercial lending activities, particularly in areas such as commercial real estate and small business loans. The market for commercial loans in the Bay Area is substantial, with significant demand from businesses seeking capital for expansion and investment. By focusing on building relationships with local businesses and offering tailored financing solutions, the bank can increase its market share and drive revenue growth. Timeline: Ongoing.
- Increased Focus on Digital Banking: Investing in and expanding digital banking services can attract a younger demographic and improve customer convenience. The digital banking market is growing rapidly, with more customers preferring online and mobile banking solutions. By enhancing its digital platform and offering innovative online services, Bank of San Francisco can enhance customer satisfaction and attract new customers. Timeline: Ongoing.
- Strategic Partnerships with Nonprofits: Bank of San Francisco can forge strategic partnerships with local nonprofits to provide financial services and support their missions. This can enhance the bank's reputation and attract socially conscious customers. The nonprofit sector in the Bay Area is substantial, with numerous organizations seeking financial partners. By aligning with nonprofits, the bank can gain access to new customers and strengthen its community ties. Timeline: Ongoing.
- Targeted Marketing to Entrepreneurs: The bank can target marketing efforts towards entrepreneurs and startups in the Bay Area, offering specialized banking services and financing solutions. The Bay Area is a hub for entrepreneurship, with a high concentration of startups and innovative companies. By tailoring its services to meet the needs of entrepreneurs, the bank can attract a valuable customer segment and drive growth. Timeline: Ongoing.
- Expansion into Wealth Management Services: Offering wealth management services can provide an additional revenue stream and cater to the needs of high-net-worth individuals in the Bay Area. The wealth management market is growing, with increasing demand for financial planning and investment advice. By expanding into wealth management, Bank of San Francisco can diversify its revenue base and enhance its profitability. Timeline: Ongoing.
Opportunities
- Expansion of commercial lending activities.
- Increased focus on digital banking services.
- Strategic partnerships with local nonprofits.
- Targeted marketing to entrepreneurs and startups.
Threats
- Competition from larger regional and national banks.
- Economic downturn in the Bay Area.
- Regulatory changes impacting the banking industry.
- Rising interest rates.
Competitive Advantages
- Strong local presence and brand recognition in the San Francisco Bay Area.
- Personalized service and relationship-based banking approach.
- Expertise in serving the unique financial needs of the local community.
- Established network of local businesses and nonprofits.
About BSFO
Bank of San Francisco was founded in 2005 with a mission to serve the unique financial needs of the San Francisco Bay Area. The bank offers a range of products and services tailored to businesses, nonprofits, entrepreneurs, professionals, individuals, and families. Its personal banking services include checking, savings, money market accounts, certificates of deposit, and individual retirement accounts. Loan products encompass single-family home and condo loans, multi-unit property loans, and investment property financing. For businesses, Bank of San Francisco provides revolving lines of credit, business acquisition loans, commercial real estate loans, construction loans, and Small Business Administration (SBA) loans. The bank also offers specialized financing for medical, dental, and professional service firms. Additional services include online and mobile banking, debit and credit cards, wire transfers, and foreign drafts. Headquartered in San Francisco, the bank is committed to supporting the local community through personalized financial solutions and relationship-based banking.
What They Do
- Provides checking and savings accounts to individuals and businesses.
- Offers a range of loan products, including mortgages and commercial loans.
- Provides online and mobile banking services.
- Offers credit and debit cards.
- Facilitates wire transfers and foreign drafts.
- Provides notary services.
- Offers business acquisition loans and commercial real estate loans.
Business Model
- Generates revenue through interest income from loans.
- Earns fees from banking services, such as wire transfers and account maintenance.
- Manages risk by assessing creditworthiness of borrowers.
- Attracts deposits from customers through competitive interest rates and service offerings.
Industry Context
Bank of San Francisco operates in the competitive regional banking industry, serving the San Francisco Bay Area. The industry is characterized by increasing consolidation, technological advancements, and evolving regulatory requirements. Competitors include larger national banks and other regional players like Bank of the Sierra Bancorp (BSPA), Citizens & Northern Corp (CIWV), and Flushing Financial Corporation (FBTT). The bank's success depends on its ability to differentiate itself through personalized service, local market expertise, and efficient operations.
Key Customers
- Businesses in the San Francisco Bay Area.
- Nonprofit organizations.
- Entrepreneurs and startups.
- Professionals, individuals, and families.
Financials
Chart & Info
Bank of San Francisco (BSFO) stock price: Price data unavailable
Latest News
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Bank of San Francisco Executives to Present at Raymond James Economic & Strategy Seminar on March 19, 2026
Yahoo! Finance: BSFO News · Mar 17, 2026
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FHLBank San Francisco Increases Voluntary Funding Commitment to $45.7 Million to Expand Housing Supply and Make Homebuying More Affordable
Yahoo! Finance: BSFO News · Feb 17, 2026
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Bank of San Francisco Reports Fourth Quarter and Year Ended December 31, 2025 Financial Results
Yahoo! Finance: BSFO News · Feb 2, 2026
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FHLBank San Francisco Names Tom Dapice Community Investment Officer
Yahoo! Finance: BSFO News · Jan 30, 2026
Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for BSFO.
Price Targets
Wall Street price target analysis for BSFO.
MoonshotScore
What does this score mean?
The MoonshotScore rates BSFO's growth potential on a scale of 0-100 across multiple factors including innovation, market disruption, financial health, and momentum.
Latest News
Bank of San Francisco Executives to Present at Raymond James Economic & Strategy Seminar on March 19, 2026
FHLBank San Francisco Increases Voluntary Funding Commitment to $45.7 Million to Expand Housing Supply and Make Homebuying More Affordable
Bank of San Francisco Reports Fourth Quarter and Year Ended December 31, 2025 Financial Results
FHLBank San Francisco Names Tom Dapice Community Investment Officer
Leadership: William S. Keller
CEO
William S. Keller is the CEO of Bank of San Francisco. His background includes extensive experience in the banking and financial services industry. Prior to joining Bank of San Francisco, Keller held leadership positions at several regional banks, where he focused on commercial lending, risk management, and strategic planning. He holds an MBA from a leading business school and has a strong track record of driving growth and profitability. Keller is actively involved in the San Francisco community, serving on the boards of several local organizations.
Track Record: Under William S. Keller's leadership, Bank of San Francisco has focused on expanding its commercial lending portfolio and strengthening its relationships with local businesses and nonprofits. He has overseen the implementation of new digital banking services and has focused on improving operational efficiency. During his tenure, the bank has maintained a strong credit quality and has achieved consistent profitability.
BSFO OTC Market Information
The OTC Other tier represents the lowest tier of the OTC market, indicating that Bank of San Francisco may not meet the minimum financial standards or disclosure requirements for higher tiers like OTCQX or OTCQB. Companies in this tier may have limited financial reporting and may not be subject to the same level of regulatory oversight as companies listed on major exchanges like the NYSE or NASDAQ. This tier often includes companies with limited operating history, distressed financial situations, or those that choose not to comply with stricter listing standards.
- OTC Tier: OTC Other
- Disclosure Status: Unknown
- Limited financial disclosure increases information asymmetry.
- Low trading volume and liquidity can lead to price volatility.
- Higher potential for fraud and manipulation compared to exchange-listed stocks.
- OTC Other tier companies may have limited operating history or distressed financials.
- Reduced regulatory oversight compared to major exchanges.
- Verify the company's financial statements and audit reports.
- Research the background and experience of the management team.
- Assess the company's business model and competitive landscape.
- Review the company's filings with the SEC or other regulatory agencies.
- Check for any legal or regulatory issues involving the company.
- Evaluate the company's capital structure and debt levels.
- Understand the company's revenue sources and customer base.
- Established presence in the San Francisco Bay Area since 2005.
- Focus on serving businesses, nonprofits, and individuals in the local community.
- Experienced management team led by William S. Keller.
- Positive profit margin of 18.5%.
- Provision of a range of banking products and services.
BSFO Financial Services Stock FAQ
What does Bank of San Francisco do?
Bank of San Francisco provides a comprehensive suite of banking products and services tailored to businesses, nonprofits, entrepreneurs, professionals, individuals, and families in the San Francisco Bay Area. These offerings include personal banking solutions like checking and savings accounts, loan products such as mortgages and commercial loans, and digital banking services. The bank focuses on building strong relationships with its customers and supporting the local community through personalized financial solutions.
What do analysts say about BSFO stock?
As of March 17, 2026, there is limited analyst coverage available for Bank of San Francisco (BSFO) due to its OTC market listing and smaller market capitalization. Key valuation metrics include a P/E ratio of 12.80 and a profit margin of 18.5%. Investors may want to evaluate the bank's growth potential in the San Francisco Bay Area, as well as the risks associated with its OTC listing and the competitive regional banking landscape. Further independent research is recommended.
What are the main risks for BSFO?
Bank of San Francisco faces several risks, including competition from larger regional and national banks, potential economic downturns in the Bay Area, and regulatory changes impacting the banking industry. As an OTC-listed stock, BSFO also faces risks related to low trading volume and liquidity, which can lead to price volatility. Additionally, the bank is exposed to credit risk associated with its loan portfolio, requiring careful monitoring of loan quality and provision levels.
What regulatory challenges does Bank of San Francisco face?
Bank of San Francisco, like all banks, faces regulatory challenges related to capital requirements, compliance costs, and oversight from regulatory bodies such as the Federal Deposit Insurance Corporation (FDIC) and state banking regulators. These regulations aim to ensure the safety and soundness of the banking system and protect depositors. Bank of San Francisco must comply with these regulations, which can impact its operational costs and strategic decision-making. Changes in regulations can also create uncertainty and require adjustments to the bank's business practices.
What is Bank of San Francisco's credit quality and risk management approach?
Bank of San Francisco's credit quality is a critical factor in its financial performance. The bank's risk management approach involves assessing the creditworthiness of borrowers, monitoring loan performance, and maintaining adequate provision levels to cover potential loan losses. A strong credit quality and effective risk management framework are essential for sustaining profitability and ensuring the long-term stability of the bank. Investors should monitor the bank's loan portfolio quality, non-performing loan ratios, and provision levels to assess its credit risk profile.
What are the key factors to evaluate for BSFO?
Bank of San Francisco (BSFO) currently holds an AI score of 52/100, indicating moderate score. Key strength: Strong local presence in the San Francisco Bay Area.. Primary risk to monitor: Potential: Competition from larger regional and national banks.. This is not financial advice.
How frequently does BSFO data refresh on this page?
BSFO prices update in real time during U.S. market hours (9:30 AM-4:00 PM ET, weekdays). Fundamentals refresh after quarterly or annual filings. Analyst ratings and AI insights update daily. News is aggregated continuously from financial sources.
What has driven BSFO's recent stock price performance?
Recent price movement in Bank of San Francisco (BSFO) can be influenced by earnings results, analyst revisions, sector rotation, and broader market sentiment. Notable catalyst: Strong local presence in the San Francisco Bay Area.. Check the News and Technical Analysis tabs for the latest drivers. Past performance does not predict future results.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Limited analyst coverage for BSFO may impact the availability of detailed financial analysis.
- OTC market listing introduces additional risks and uncertainties.