BSFO (Bank ofn Francisco New) EV-to-FCF: (As of Aug. 02, 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
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Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

BSFO Bank of San Francisco New BSFO
68 GF Score
Price $43.79
GF Value $36.97
Valuation Modestly Overvalued
! 4 Warning Signs
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What is Bank ofn Francisco New EV-to-FCF?

EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Bank ofn Francisco New's Enterprise Value is $3.60 Mil. Bank ofn Francisco New's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was $0.00 Mil. Therefore, Bank ofn Francisco New's EV-to-FCF for today is .

The historical rank and industry rank for Bank ofn Francisco New's EV-to-FCF or its related term are showing as below:

BSFO' s EV-to-FCF Range Over the Past 10 Years
Min: 0   Med: 0   Max: 0.51
Current: 0.51

During the past 10 years, the highest EV-to-FCF of Bank ofn Francisco New was 0.51. The lowest was 0.00. And the median was 0.00.

BSFO's EV-to-FCF is ranked better than
81.75% of 1200 companies
in the Banks industry
Industry Median: 7.22 vs BSFO: 0.51

EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.

As of today (2026-08-02), Bank ofn Francisco New's stock price is $43.79. Bank ofn Francisco New's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 was $3.600. Therefore, Bank ofn Francisco New's PE Ratio (TTM) for today is 12.16.


Bank ofn Francisco New  (OTCPK:BSFO) EV-to-FCF Explanation

EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.

Bank ofn Francisco New's PE Ratio (TTM) for today is calculated as:

PE Ratio (TTM)=Share Price (Today)/Earnings per Share (Diluted) (TTM)
=43.79/3.600
=12.16

Bank ofn Francisco New's share price for today is $43.79.
Bank ofn Francisco New's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $3.600.

* 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.

Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.


Bank ofn Francisco New EV-to-FCF Related Terms


Bank ofn Francisco New EV-to-FCF Historical Data

* Premium members only.

The historical data trend for Bank ofn Francisco New's EV-to-FCF 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.

Bank ofn Francisco New EV-to-FCF Chart

Bank ofn Francisco New Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
EV-to-FCF
Get a 7-Day Free Trial Premium Member Only Premium Member Only -4.82 -0.47 -5.06 -0.89 -0.11

Bank ofn Francisco New Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
EV-to-FCF 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 0.00 0.00 0.00 -0.11 0.00

BSFO vs SEBC, BKSC, BYFC: EV-to-FCF Comparison

For the Banks - Regional subindustry, Bank ofn Francisco New's EV-to-FCF, along with its competitors' market caps and EV-to-FCF 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 EV-to-FCF vs Banks Industry

For the Banks industry and Financial Services sector, Bank ofn Francisco New's EV-to-FCF distribution charts can be found below:

* The bar in red indicates where Bank ofn Francisco New's EV-to-FCF falls into.


BSFO
68GF Score
Bank of San Francisco New BSFO
EV-to-FCF is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Bank ofn Francisco New EV-to-FCF Calculation

Bank ofn Francisco New's EV-to-FCF for today is calculated as:

EV-to-FCF=Enterprise Value (Today)/Free Cash Flow (TTM)
=3.597/0
=

Bank ofn Francisco New's current Enterprise Value is $3.60 Mil.
Bank ofn Francisco New's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $0.00 Mil.

* 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.

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 $43.79 is trading 18.4% above its estimated GF Value™ of $36.97. GuruFocus considers Bank ofn Francisco New to be Modestly Overvalued.

Key valuation signals for BSFO:

  • EV-to-FCF:
  • GF Value™: $36.97 vs. price of $43.79 (18.4% above fair value)
  • GF Score™: 68/100 with 4 warning signs

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 ofn Francisco New Business Description

Address 345 California Street, Suite 1600, San Francisco, CA, USA, 94104
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.
68GF Score

Get the complete analysis for BSFO

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

$43.79
Price
$36.97
GF Value