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Bank ofn Francisco NewBSFO 66 Equity-to-Asset is 0.10 as of Jun. 2026, which is 9% below its 10-year median of 0.11. GuruFocus rates BSFO with a GF Score™ of 66/100 and a GF Value™ of $38.84 (Modestly Overvalued). The stock has 4 warning signs investors should review. Among 1,522 Banks companies, Bank ofn Francisco New ranks better than 54.47% on this metric.
Bank ofn Francisco New (OTCPK:BSFO) Equity-to-Asset Explanation
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
Bank ofn Francisco New Equity-to-Asset Related Terms
Bank ofn Francisco New Equity-to-Asset Historical Data
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The historical data trend for Bank ofn Francisco New's Equity-to-Asset 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.
BSFO vs SEBC, BKSC, BYFC: Equity-to-Asset Comparison
For the Banks - Regional subindustry, Bank ofn Francisco New's Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Bank ofn Francisco New Equity-to-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Bank ofn Francisco New's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where Bank ofn Francisco New's Equity-to-Asset falls into.
Bank ofn Francisco New Equity-to-Asset Calculation
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
Bank ofn Francisco New's Equity to Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as
* 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.
Bank ofn Francisco New (BSFO) has a Equity-to-Asset of 0.10 as of Jun. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Bank ofn Francisco New and its competitors. This is near median its historical median of 0.11. Over the past decade, Bank ofn Francisco New's Equity-to-Asset has ranged from 0.06 to 0.12. According to the industry distribution chart, Bank ofn Francisco New ranks #693 out of 1522 companies in the Banks industry, placing it in the top 45.5%.
Is Bank ofn Francisco New's Equity-to-Asset too high?
Bank ofn Francisco New's current Equity-to-Asset of 0.10 is near median its 10-year median of 0.11. Over the past 10 years, this metric has ranged from a low of 0.06 to a high of 0.12. The Banks industry median Equity-to-Asset is 0.10. Bank ofn Francisco New's value of 0.10 is 0% at this industry median. Based on the distribution chart, Bank ofn Francisco New ranks #693 out of 1522 companies in the Banks industry, which is above the industry midpoint. Overall, Bank ofn Francisco New has a GF Score™ of 66/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Bank ofn Francisco New's Equity-to-Asset compare to SEBC and BKSC?
According to the Banks industry distribution chart, Bank ofn Francisco New ranks #693 out of 1522 companies for Equity-to-Asset. This puts Bank ofn Francisco New in the upper half of its industry. The industry median Equity-to-Asset is 0.10. Bank ofn Francisco New's value of 0.10 is 0% at this benchmark. Historically, Bank ofn Francisco New's own Equity-to-Asset has ranged from 0.06 to 0.12 over the past decade. While the company's 10-year median is 0.11 vs. the industry median of 0.10, Bank ofn Francisco New has consistently been at the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Equity-to-Asset for a Banks company?
The median Equity-to-Asset among Banks companies is 0.10, based on 1,522 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Bank ofn Francisco New's current Equity-to-Asset of 0.10 is 0% at the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Bank ofn Francisco New and its competitors. For the Banks industry, the median Equity-to-Asset is 0.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Bank ofn Francisco New's current Equity-to-Asset is 0.10, which is near median its own 10-year median of 0.11. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Bank ofn Francisco New stock overvalued right now?
Based on GuruFocus' analysis, Bank ofn Francisco New (BSFO) is currently considered Modestly Overvalued. The stock's GF Value™ is $38.84, compared to a current price of $43.75 — trading 12.6% above its estimated fair value. The current Equity-to-Asset is 0.10, which is near median its 10-year median of 0.11 and 0% at the Banks industry median of 0.10. Bank ofn Francisco New's overall GF Score™ is 66/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For Bank ofn Francisco New (BSFO), the current Equity-to-Asset is 0.10 as of Jun. 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 Bank ofn Francisco New (BSFO) Overvalued in 2026?
Based on GuruFocus' analysis, Bank ofn Francisco New stock appears to be overvalued.
The current stock price of $43.75 is trading 12.6% above its estimated GF Value™ of $38.84.
GuruFocus considers Bank ofn Francisco New to be Modestly Overvalued.
Key valuation signals for BSFO:
Equity-to-Asset: 0.10 (near median its 10-year median of 0.11)
GF Value™: $38.84 vs. price of $43.75 (12.6% above fair value)
Industry Position: 0% at the Banks median (#693 of 1522)
No single metric tells the full story. See the BSFO stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Bank of San Francisco New is a United States-based state-chartered commercial bank. The Company provides a range of banking services to individuals, businesses, and other clients, including personal, business, online, and mobile banking. It offers deposit products such as checking, savings, money market accounts, and certificates of deposit. The company also engages in mortgage banking activities, including originating, brokering, and retaining one-to-four unit residential mortgage loans.
66GF Score
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