Bank ofn Francisco NewBSFO 68 Return-on-Tangible-Equity is 9.58% as of Mar. 2026, which is 6% below its 10-year median of 10.24. GuruFocus rates BSFO with a GF Score™ of 68/100 and a GF Value™ of $36.80 (Modestly Overvalued). The stock has 4 warning signs investors should review. Among 1,523 Banks companies, Bank ofn Francisco New ranks worse than 60.14% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. Bank ofn Francisco New's annualized net income for the quarter that ended in Mar. 2026 was $8.06 Mil. Bank ofn Francisco New's average shareholder tangible equity for the quarter that ended in Mar. 2026 was $84.09 Mil. Therefore, Bank ofn Francisco New's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 9.58%.
The historical rank and industry rank for Bank ofn Francisco New's Return-on-Tangible-Equity or its related term are showing as below:
BSFO'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 5.6 Med: 10.24 Max: 17.77
Current: 9.52
During the past 10 years, Bank ofn Francisco New's highest Return-on-Tangible-Equity was 17.77%. The lowest was 5.60%. And the median was 10.24%.
BSFO's Return-on-Tangible-Equity is ranked worse than 60.14% of 1523
companies
in the Banks industry
Industry Median: 11.2
vs BSFO: 9.52
Bank ofn Francisco New (OTCPK:BSFO) Return-on-Tangible-Equity Explanation
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
Bank ofn Francisco New Return-on-Tangible-Equity Related Terms
Bank ofn Francisco New Return-on-Tangible-Equity Historical Data
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The historical data trend for Bank ofn Francisco New's Return-on-Tangible-Equity 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-Equity Chart
BSFO vs STBK, FDVA, FNWB: Return-on-Tangible-Equity Comparison
For the Banks - Regional subindustry, Bank ofn Francisco New's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Bank ofn Francisco New's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Bank ofn Francisco New's Return-on-Tangible-Equity 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-Equity, the net income of the last fiscal year and the average total shareholder tangible equity 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.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 9.58% mean?
Bank ofn Francisco New (BSFO) has a Return-on-Tangible-Equity of 9.58% as of Mar. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Bank ofn Francisco New and its competitors. This is near median its historical median of 10.24. Over the past decade, Bank ofn Francisco New's Return-on-Tangible-Equity has ranged from 5.60 to 17.77. According to the industry distribution chart, Bank ofn Francisco New ranks #916 out of 1523 companies in the Banks industry, placing it in the top 60.1%.
Is Bank ofn Francisco New's Return-on-Tangible-Equity too high?
Bank ofn Francisco New's current Return-on-Tangible-Equity of 9.58% is near median its 10-year median of 10.24. Over the past 10 years, this metric has ranged from a low of 5.60 to a high of 17.77. The Banks industry median Return-on-Tangible-Equity is 11.20. Bank ofn Francisco New's value of 9.58% is 14.5% below this industry median. Based on the distribution chart, Bank ofn Francisco New ranks #916 out of 1523 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 Return-on-Tangible-Equity compare to STBK and FDVA?
According to the Banks industry distribution chart, Bank ofn Francisco New ranks #916 out of 1523 companies for Return-on-Tangible-Equity. This places Bank ofn Francisco New in the lower half of its industry. The industry median Return-on-Tangible-Equity is 11.20. Bank ofn Francisco New's value of 9.58% is 14.5% below this benchmark. Historically, Bank ofn Francisco New's own Return-on-Tangible-Equity has ranged from 5.60 to 17.77 over the past decade. While the company's 10-year median is 10.24 vs. the industry median of 11.20, 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 Return-on-Tangible-Equity for a Banks company?
The median Return-on-Tangible-Equity among Banks companies is 11.20, based on 1,523 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity 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-Equity of 9.58% is 14.5% 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 Return-on-Tangible-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Bank ofn Francisco New and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.20 — 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-Equity is 9.58%, which is near median its own 10-year median of 10.24. 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 $36.80, compared to a current price of $43.05 — trading 17% above its estimated fair value. The current Return-on-Tangible-Equity is 9.58%, which is near median its 10-year median of 10.24 and 14.5% below the Banks industry median of 11.20. 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-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For Bank ofn Francisco New (BSFO), the current Return-on-Tangible-Equity is 9.58% 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% above its estimated GF Value™ of $36.80.
GuruFocus considers Bank ofn Francisco New to be Modestly Overvalued.
Key valuation signals for BSFO:
Return-on-Tangible-Equity: 9.58% (near median its 10-year median of 10.24)
GF Value™: $36.80 vs. price of $43.05 (17% above fair value)
Industry Position: 14.5% below the Banks median (#916 of 1523)
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
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