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Bank ofn Francisco NewBSFO 68 Return-on-Tangible-Asset is 1.07% as of Mar. 2026, which is 3% above its 10-year median of 1.04. GuruFocus rates BSFO with a GF Score™ of 68/100 and a GF Value™ of $36.87 (Modestly Overvalued). The stock has 4 warning signs investors should review. Among 1,529 Banks companies, Bank ofn Francisco New ranks better than 58.01% on this metric.
Return-on-Tangible-Asset is calculated as Net Income divided by its average total tangible assets. Total tangible assets equals to Total Assets minus Intangible Assets. Bank ofn Francisco New's annualizedNet Income for the quarter that ended in Mar. 2026 was $8.06 Mil. Bank ofn Francisco New's average total tangible assets for the quarter that ended in Mar. 2026 was $750.28 Mil. Therefore, Bank ofn Francisco New's annualized Return-on-Tangible-Asset for the quarter that ended in Mar. 2026 was 1.07%.
The historical rank and industry rank for Bank ofn Francisco New's Return-on-Tangible-Asset or its related term are showing as below:
BSFO'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: 0.5 Med: 1.04 Max: 1.41
Current: 1.1
During the past 10 years, Bank ofn Francisco New's highest Return-on-Tangible-Asset was 1.41%. The lowest was 0.50%. And the median was 1.04%.
BSFO's Return-on-Tangible-Asset is ranked better than 58.01% of 1529
companies
in the Banks industry
Industry Median: 0.99
vs BSFO: 1.10
Bank ofn Francisco New (OTCPK:BSFO) Return-on-Tangible-Asset Explanation
Return-on-Tangible-Asset measures the rate of return on the average total tangible assets (total assets minus intangible assets). Tangible means physical in nature. Intangible Assets are assets that are not physical in nature, and typically "derive their value from legal or intellectual rights." Return-on-Tangible-Asset measures a firm's efficiency at generating profits from its tangible assets. It shows how well a company uses what it has to generate earnings. Return-on-Tangible-Assets can vary drastically across industries. Therefore, Return-on-Tangible-Asset should not be used to compare companies in different industries.
Be Aware
Like ROE and ROA, Return-on-Tangible-Asset is calculated with only 12 months data. Fluctuations in the companys earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. Return-on-Tangible-Asset can be affected by events such as stock buyback or issuance, and by a companys tax rate and its interest payment. Return-on-Tangible-Asset may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high Return-on-Tangible-Asset may indicate vulnerability in the durability of the competitive advantage.
Bank ofn Francisco New Return-on-Tangible-Asset Related Terms
Bank ofn Francisco New Return-on-Tangible-Asset Historical Data
* Premium members only.
The historical data trend for Bank ofn Francisco New's Return-on-Tangible-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.
Bank ofn Francisco New Return-on-Tangible-Asset Chart
BSFO vs STBK, FDVA, FNWB: Return-on-Tangible-Asset Comparison
For the Banks - Regional subindustry, Bank ofn Francisco New's Return-on-Tangible-Asset, along with its competitors' market caps and Return-on-Tangible-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 Return-on-Tangible-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Bank ofn Francisco New's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where Bank ofn Francisco New's Return-on-Tangible-Asset 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.
In the calculation of annual Return-on-Tangible-Asset, the net income of the last fiscal year and the average total tangible assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is four times the quarterly (Mar. 2026) net income data.
What does a Return-on-Tangible-Asset of 1.07% mean?
Bank ofn Francisco New (BSFO) has a Return-on-Tangible-Asset of 1.07% as of Mar. 2026. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Bank ofn Francisco New and its competitors. This is near median its historical median of 1.04. Over the past decade, Bank ofn Francisco New's Return-on-Tangible-Asset has ranged from 0.50 to 1.41. According to the industry distribution chart, Bank ofn Francisco New ranks #642 out of 1529 companies in the Banks industry, placing it in the top 42%.
Is Bank ofn Francisco New's Return-on-Tangible-Asset too high?
Bank ofn Francisco New's current Return-on-Tangible-Asset of 1.07% is near median its 10-year median of 1.04. Over the past 10 years, this metric has ranged from a low of 0.50 to a high of 1.41. The Banks industry median Return-on-Tangible-Asset is 0.99. Bank ofn Francisco New's value of 1.07% is 8.1% above this industry median. Based on the distribution chart, Bank ofn Francisco New ranks #642 out of 1529 companies in the Banks industry, which is above 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 Return-on-Tangible-Asset compare to STBK and FDVA?
According to the Banks industry distribution chart, Bank ofn Francisco New ranks #642 out of 1529 companies for Return-on-Tangible-Asset. This puts Bank ofn Francisco New in the upper half of its industry. The industry median Return-on-Tangible-Asset is 0.99. Bank ofn Francisco New's value of 1.07% is 8.1% above this benchmark. Historically, Bank ofn Francisco New's own Return-on-Tangible-Asset has ranged from 0.50 to 1.41 over the past decade. While the company's 10-year median is 1.04 vs. the industry median of 0.99, Bank ofn Francisco New has consistently been above 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 Return-on-Tangible-Asset for a Banks company?
The median Return-on-Tangible-Asset among Banks companies is 0.99, based on 1,529 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Asset significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Bank ofn Francisco New's current Return-on-Tangible-Asset of 1.07% is 8.1% above 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 Return-on-Tangible-Asset mean?
A high Return-on-Tangible-Asset can signal that a stock is expensive relative to its fundamentals. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Bank ofn Francisco New and its competitors. For the Banks industry, the median Return-on-Tangible-Asset is 0.99 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Bank ofn Francisco New's current Return-on-Tangible-Asset is 1.07%, which is near median its own 10-year median of 1.04. 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 $36.87, compared to a current price of $43.05 — trading 16.8% above its estimated fair value. The current Return-on-Tangible-Asset is 1.07%, which is near median its 10-year median of 1.04 and 8.1% above the Banks industry median of 0.99. 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 Return-on-Tangible-Asset calculated?
Return-on-Tangible-Asset is calculated from a company's financial statements. For Bank ofn Francisco New (BSFO), the current Return-on-Tangible-Asset is 1.07% 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 16.8% above its estimated GF Value™ of $36.87.
GuruFocus considers Bank ofn Francisco New to be Modestly Overvalued.
Key valuation signals for BSFO:
Return-on-Tangible-Asset: 1.07% (near median its 10-year median of 1.04)
GF Value™: $36.87 vs. price of $43.05 (16.8% above fair value)
Industry Position: 8.1% above the Banks median (#642 of 1529)
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
Return-on-Tangible-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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