BSFO (Bank ofn Francisco New) ROE % Adjusted to Book Value: 9.98% (As of Mar. 2026)


BSFO Bank of San Francisco New BSFO
68 GF Score
Price $43.05
GF Value $36.74
Valuation Modestly Overvalued
! 4 Warning Signs
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What is Bank ofn Francisco New ROE % Adjusted to Book Value?

Bank ofn Francisco New BSFO -0.52% 68 ROE % Adjusted to Book Value is 9.98% as of Mar. 2026. 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.

Bank ofn Francisco New's ROE % for the quarter that ended in Mar. 2026 was 9.58%. Bank ofn Francisco New's PB Ratio for the quarter that ended in Mar. 2026 was 0.96. Bank ofn Francisco New's ROE % Adjusted to Book Value for the quarter that ended in Mar. 2026 was 9.98%.


Bank ofn Francisco New ROE % Adjusted to Book Value Related Terms


Bank ofn Francisco New ROE % Adjusted to Book Value Historical Data

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The historical data trend for Bank ofn Francisco New's ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value Chart

Bank ofn Francisco New Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
ROE % Adjusted to Book Value
Get a 7-Day Free Trial Premium Member Only Premium Member Only 19.74 10.80 13.01 10.00 10.07

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
ROE % Adjusted to Book Value 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 6.64 11.08 12.29 12.72 9.98

BSFO vs FTFI, PBNK, FDVA: ROE % Adjusted to Book Value Comparison

For the Banks - Regional subindustry, Bank ofn Francisco New's ROE % Adjusted to Book Value, along with its competitors' market caps and ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value vs Banks Industry

For the Banks industry and Financial Services sector, Bank ofn Francisco New's ROE % Adjusted to Book Value distribution charts can be found below:

* The bar in red indicates where Bank ofn Francisco New's ROE % Adjusted to Book Value falls into.


BSFO
68GF Score
Bank of San Francisco New BSFO
ROE % Adjusted to Book Value is just one metric. See GF Score™, valuation, warning signs, and more.
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Bank ofn Francisco New ROE % Adjusted to Book Value Calculation

Bank ofn Francisco New's ROE % Adjusted to Book Value for the fiscal year that ended in Dec. 2025 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=8.56% / 0.85
=10.07%

Bank ofn Francisco New's ROE % Adjusted to Book Value for the quarter that ended in Mar. 2026 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=9.58% / 0.96
=9.98%

* 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.

What does a ROE % Adjusted to Book Value of 9.98% mean?
Bank ofn Francisco New (BSFO) has a ROE % Adjusted to Book Value of 9.98% as of Mar. 2026. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on Bank ofn Francisco New and its competitors.
Is Bank ofn Francisco New's ROE % Adjusted to Book Value too high?
Bank ofn Francisco New's current ROE % Adjusted to Book Value is 9.98%. 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 ROE % Adjusted to Book Value compare to FTFI and PBNK?
Bank ofn Francisco New's ROE % Adjusted to Book Value of 9.98% can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROE % Adjusted to Book Value for a Banks company?
A good ROE % Adjusted to Book Value depends on the Banks industry context. However, ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value mean?
A high ROE % Adjusted to Book Value can signal that a stock is expensive relative to its fundamentals. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on Bank ofn Francisco New and its competitors. Bank ofn Francisco New's current ROE % Adjusted to Book Value is 9.98%. 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 ROE % Adjusted to Book Value is 9.98%. 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 ROE % Adjusted to Book Value calculated?
ROE % Adjusted to Book Value is calculated from a company's financial statements. For Bank ofn Francisco New (BSFO), the current ROE % Adjusted to Book Value is 9.98% 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:

  • ROE % Adjusted to Book Value: 9.98%
  • GF Value™: $36.74 vs. price of $43.05 (17.2% 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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ROE % Adjusted to Book Value is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$43.05
Price
$36.74
GF Value