Bank ofn Francisco NewBSFO -0.52%68 Net Margin % is 24.13% as of Mar. 2026, which is 2% below its 10-year median of 24.57. GuruFocus rates BSFO with a GF Score™ of 68/100 and a GF Value™ of $36.74 (Modestly Overvalued). The stock has 4 warning signs investors should review. Among 1,527 Banks companies, Bank ofn Francisco New ranks worse than 56.97% on this metric.
The historical rank and industry rank for Bank ofn Francisco New's Net Margin % or its related term are showing as below:
BSFO'
s Net Margin % Range Over the Past 10 Years
Min: 12.45 Med: 24.57 Max: 37.3
Current: 24.59
BSFO's Net Margin % is ranked worse than 56.97% of 1527
companies
in the Banks industry
Industry Median: 26.95
vs BSFO: 24.59
Bank ofn Francisco New (OTCPK:BSFO) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Bank ofn Francisco New Net Margin % Related Terms
Bank ofn Francisco New Net Margin % Historical Data
* 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.
For the Banks - Regional subindustry, Bank ofn Francisco New's Net Margin %, along with its competitors' market caps and Net Margin % 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 Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Bank ofn Francisco New's Net Margin % distribution charts can be found below:
* The bar in red indicates where Bank ofn Francisco New's Net Margin % falls into.
* 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 Net Margin % of 24.13% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Bank ofn Francisco New and its competitors. This is near median its historical median of 24.57. Over the past decade, Bank ofn Francisco New's Net Margin % has ranged from 12.45 to 37.30. According to the industry distribution chart, Bank ofn Francisco New ranks #870 out of 1527 companies in the Banks industry, placing it in the top 57%.
Is Bank ofn Francisco New's Net Margin % too high?
Bank ofn Francisco New's current Net Margin % of 24.13% is near median its 10-year median of 24.57. Over the past 10 years, this metric has ranged from a low of 12.45 to a high of 37.30. The Banks industry median Net Margin % is 26.95. Bank ofn Francisco New's value of 24.13% is 10.5% below this industry median. Based on the distribution chart, Bank ofn Francisco New ranks #870 out of 1527 companies in the Banks industry, which is below the industry midpoint. 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 Net Margin % compare to FTFI and PBNK?
According to the Banks industry distribution chart, Bank ofn Francisco New ranks #870 out of 1527 companies for Net Margin %. This places Bank ofn Francisco New in the lower half of its industry. The industry median Net Margin % is 26.95. Bank ofn Francisco New's value of 24.13% is 10.5% below this benchmark. Historically, Bank ofn Francisco New's own Net Margin % has ranged from 12.45 to 37.30 over the past decade. While the company's 10-year median is 24.57 vs. the industry median of 26.95, Bank ofn Francisco New has consistently been below 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 Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 26.95, based on 1,527 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Bank ofn Francisco New's current Net Margin % of 24.13% is 10.5% below 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Bank ofn Francisco New and its competitors. For the Banks industry, the median Net Margin % is 26.95 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Bank ofn Francisco New's current Net Margin % is 24.13%, which is near median its own 10-year median of 24.57. 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 $36.74, compared to a current price of $43.05 — trading 17.2% above its estimated fair value. The current Net Margin % is 24.13%, which is near median its 10-year median of 24.57 and 10.5% below the Banks industry median of 26.95. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Bank ofn Francisco New (BSFO), the current Net Margin % is 24.13% 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 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 17.2% above its estimated GF Value™ of $36.74.
GuruFocus considers Bank ofn Francisco New to be Modestly Overvalued.
Key valuation signals for BSFO:
Net Margin %: 24.13% (near median its 10-year median of 24.57)
GF Value™: $36.74 vs. price of $43.05 (17.2% above fair value)
Industry Position: 10.5% below the Banks median (#870 of 1527)
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.
68GF Score
Get the complete analysis for BSFO
Net Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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