GSBX (Golden State Bancorp) Net Loan: $812.64 Mil (As of Mar. 2026)

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GSBX Golden State Bancorp GSBX
63 GF Score
Price $38.35
GF Value $31.64
Valuation Modestly Overvalued
! 6 Warning Signs
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What is Golden State Bancorp Net Loan?

Golden State Bancorp GSBX 63 Net Loan is $812.64 Mil as of Mar. 2026. GuruFocus rates GSBX with a GF Score™ of 63/100 and a GF Value™ of $31.64 (Modestly Overvalued). The stock has 6 warning signs investors should review.

Golden State Bancorp's quarterly net loan increased from Sep. 2025 ($783.78 Mil) to Dec. 2025 ($809.85 Mil) and increased from Dec. 2025 ($809.85 Mil) to Mar. 2026 ($812.64 Mil).

Golden State Bancorp's annual net loan increased from Dec. 2023 ($556.56 Mil) to Dec. 2024 ($809.85 Mil) and increased from Dec. 2024 ($809.85 Mil) to Dec. 2025 ($812.64 Mil).

Golden State Bancorp Net Loan Historical Data

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The historical data trend for Golden State Bancorp's Net Loan can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Golden State Bancorp Net Loan Chart

Golden State Bancorp Annual Data
Trend Dec04 Dec05 Dec06 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Net Loan
Get a 7-Day Free Trial Premium Member Only Premium Member Only 410.28 535.68 556.56 700.02 809.85

Golden State Bancorp Quarterly Data
Mar07 Jun07 Sep07 Dec19 Dec20 Dec21 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Net Loan Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 749.93 774.75 783.78 809.85 812.64
GSBX
63GF Score
Golden State Bancorp GSBX
Net Loan is just one metric. See GF Score™, valuation, warning signs, and more.
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Golden State Bancorp Net Loan Calculation

Total loans on banks' book. These are the fund that banks have lent out. The loans contribute to banks' income. Some borrower of the loans may stop paying their payment. In this case, the loan is called non-performing loans.

Loans can be divided into residential loans, commercial loans or consumer loans. Peter Lynch loved

Frequently Asked Questions Learn more about Net Loan →
What does a Net Loan of $812.64 Mil mean?
Golden State Bancorp (GSBX) has a Net Loan of $812.64 Mil as of Mar. 2026. The total net loans as recorded on a bank's balance sheet. View historical data on Golden State Bancorp and its competitors.
Is Golden State Bancorp's Net Loan too high?
Golden State Bancorp's current Net Loan is $812.64 Mil. Overall, Golden State Bancorp has a GF Score™ of 63/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Golden State Bancorp's Net Loan compare to PROV and RVSB?
Golden State Bancorp's Net Loan of $812.64 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Loan for a Banks company?
A good Net Loan depends on the Banks industry context. However, Net Loan should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Loan mean?
A high Net Loan can signal that a stock is expensive relative to its fundamentals. The total net loans as recorded on a bank's balance sheet. View historical data on Golden State Bancorp and its competitors. Golden State Bancorp's current Net Loan is $812.64 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Golden State Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Golden State Bancorp (GSBX) is currently considered Modestly Overvalued. The stock's GF Value™ is $31.64, compared to a current price of $38.35 — trading 21.2% above its estimated fair value. The current Net Loan is $812.64 Mil. Golden State Bancorp's overall GF Score™ is 63/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Loan calculated?
Net Loan is calculated from a company's financial statements. For Golden State Bancorp (GSBX), the current Net Loan is $812.64 Mil as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Golden State Bancorp (GSBX) Overvalued in 2026?

Based on GuruFocus' analysis, Golden State Bancorp stock appears to be overvalued. The current stock price of $38.35 is trading 21.2% above its estimated GF Value™ of $31.64. GuruFocus considers Golden State Bancorp to be Modestly Overvalued.

Key valuation signals for GSBX:

  • Net Loan: $812.64 Mil
  • GF Value™: $31.64 vs. price of $38.35 (21.2% above fair value)
  • GF Score™: 63/100 with 6 warning signs

No single metric tells the full story. See the GSBX stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Golden State Bancorp Business Description

Address 500 North Brand Boulevard, Suite 2300, 23rd Floor, Glendale, CA, USA, 91203
Golden State Bancorp is a bank holding company. Through the Golden State Bank, it functions as a full-service bank, serving the business, commercial, and professional markets. The bank offers various financial products and services such as different types of loans and advances, deposit accounts, cash management services, and international banking services among others.
63GF Score

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Net Loan is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$38.35
Price
$31.64
GF Value