BSFO (Bank ofn Francisco New) Moat Score: 4/10 (As of Jun. 30, 2026)


BSFO Bank of San Francisco New BSFO
68 GF Score
Price $43.05
GF Value $36.75
Valuation Modestly Overvalued
! 4 Warning Signs
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What is Bank ofn Francisco New Moat Score?

Bank ofn Francisco New BSFO -0.52% 68 Moat Score is 4 as of Jun. 30, 2026. GuruFocus rates BSFO with a GF Score™ of 68/100 and a GF Value™ of $36.75 (Modestly Overvalued). The stock has 4 warning signs investors should review. Among 1,614 Banks companies, Bank ofn Francisco New ranks better than 86.25% on this metric.

Bank ofn Francisco New has the Moat Score of 4, which implies that the company might have Narrow Moat - Discernible but modest moat.

Bank ofn Francisco New has Narrow Moat: The bank has a modest moat with a strong local presence and customer loyalty. However, it lacks significant scale, network effects, or regulatory advantages that would provide a wider moat.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Bank ofn Francisco New might have Narrow Moat - Discernible but modest moat.

Bank ofn Francisco New  (OTCPK:BSFO) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Bank ofn Francisco New Moat Score Related Terms

BSFO vs STBK, FDVA, FNWB: Moat Score Comparison

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

For the Banks industry and Financial Services sector, Bank ofn Francisco New's Moat Score distribution charts can be found below:

* The bar in red indicates where Bank ofn Francisco New's Moat Score falls into.


BSFO
68GF Score
Bank of San Francisco New BSFO
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 4 mean?
Bank ofn Francisco New (BSFO) has a Moat Score of 4 as of Jun. 30, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Bank ofn Francisco New ranks #222 out of 1614 companies in the Banks industry, placing it in the top 13.8%.
Is Bank ofn Francisco New's Moat Score too high?
Bank ofn Francisco New's current Moat Score is 4. Based on the distribution chart, Bank ofn Francisco New ranks #222 out of 1614 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Bank ofn Francisco New has a GF Score™ of 68/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Bank ofn Francisco New's Moat Score compare to STBK and FDVA?
According to the Banks industry distribution chart, Bank ofn Francisco New ranks #222 out of 1614 companies for Moat Score. This places Bank ofn Francisco New in the top 14% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score 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 Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Bank ofn Francisco New's current Moat Score is 4. 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 $36.75, compared to a current price of $43.05 — trading 17.1% above its estimated fair value. The current Moat Score is 4. Bank ofn Francisco New's overall GF Score™ is 68/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Bank ofn Francisco New (BSFO), the current Moat Score is 4 as of Jun. 30, 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 $43.05 is trading 17.1% above its estimated GF Value™ of $36.75. GuruFocus considers Bank ofn Francisco New to be Modestly Overvalued.

Key valuation signals for BSFO:

  • Moat Score: 4
  • GF Value™: $36.75 vs. price of $43.05 (17.1% 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

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

$43.05
Price
$36.75
GF Value