BSFO (Bank ofn Francisco New) Scaled Net Operating Assets: -0.04 (As of Mar. 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 Scaled Net Operating Assets?

Bank ofn Francisco New BSFO -0.52% 68 Scaled Net Operating Assets is -0.04 as of Mar. 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.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Bank ofn Francisco New's operating assets for the quarter that ended in Mar. 2026 was $649.50 Mil. Bank ofn Francisco New's operating liabilities for the quarter that ended in Mar. 2026 was $682.39 Mil. Bank ofn Francisco New's Total Assets for the quarter that ended in Dec. 2025 was $733.05 Mil. Therefore, Bank ofn Francisco New's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was -0.04.

BSFO
68GF Score
Bank of San Francisco New BSFO
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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Bank ofn Francisco New Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Bank ofn Francisco New's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Dec. 2025 )
=(Operating Assets (A: Dec. 2025 )-Operating Liabilities (A: Dec. 2025 ))/Total Assets (A: Dec. 2024 )
=(661.328-649.997)/615.437
=0.02

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=733.054 - 71.726
=661.328

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=649.997 - 0 - 0
=649.997

Bank ofn Francisco New's Scaled Net Operating Assets (SNOA) for the quarter that ended in Mar. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Mar. 2026 )
=(Operating Assets (Q: Mar. 2026 )-Operating Liabilities (Q: Mar. 2026 ))/Total Assets (Q: Dec. 2025 )
=(649.497-682.392)/733.054
=-0.04

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=767.51 - 118.013
=649.497

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=682.392 - 0 - 0
=682.392

* 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 Scaled Net Operating Assets of -0.04 mean?
Bank ofn Francisco New (BSFO) has a Scaled Net Operating Assets of -0.04 as of Mar. 2026. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Bank ofn Francisco New and its competitors.
Is Bank ofn Francisco New's Scaled Net Operating Assets too high?
Bank ofn Francisco New's current Scaled Net Operating Assets is -0.04. 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 Scaled Net Operating Assets compare to FTFI and PBNK?
Bank ofn Francisco New's Scaled Net Operating Assets of -0.04 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 Scaled Net Operating Assets for a Banks company?
A good Scaled Net Operating Assets depends on the Banks industry context. However, Scaled Net Operating Assets 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 Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Bank ofn Francisco New and its competitors. Bank ofn Francisco New's current Scaled Net Operating Assets is -0.04. 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 $36.75, compared to a current price of $43.05 — trading 17.1% above its estimated fair value. The current Scaled Net Operating Assets is -0.04. 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 Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For Bank ofn Francisco New (BSFO), the current Scaled Net Operating Assets is -0.04 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 17.1% above its estimated GF Value™ of $36.75. GuruFocus considers Bank ofn Francisco New to be Modestly Overvalued.

Key valuation signals for BSFO:

  • Scaled Net Operating Assets: -0.04
  • 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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Scaled Net Operating Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$43.05
Price
$36.75
GF Value