OTC: BSFO - Bank of San Francisco

Yield per half year: +4.24%
Dividend yield: 0.00%
Sector: Financials

Reporting Bank of San Francisco

Capitalization

IFRS

Reporting Annual Quarterly

	2015	2016	2017	2018	2019	2020	2021	2022	2023	LTM	5 year average	CAGR 5
Выручка, млрд $	0.0083	0.0095	0.0105	0.0137	0.0153	0.0192	0.0241	0.0236	0.0227	0.0227	0.0210	8.21
Чистая прибыль, млрд $	0.0013	0.0015	0.0013	0.0033	0.0041	0.0047	0.009	0.0059	0.0069	0.0069	0.0061	10.97
Баланс стоимость, млрд $	0.0172	0.0227	0.0241	0.0367	0.041	0.0459	0.0552	0.0615	0.0684	0.0684	0.0544	10.78
FCF, млрд $			0.002	0.0041	0.0047	0.0082	0.0086	0.0066	0.009	0.009	0.0074	13.88
Операционный денежный поток, млрд $	0.000863	0.002	0.002	0.0041	0.0047	0.0082	0.0086	0.008	0.0094	0.0094	0.0078	14.87
Операционная прибыль, млрд $	0.0023	0.0027	0.003	0.0048	0.0058						0.0037	20.32
Операционные расходы, млрд $	0.006	0.0065	0.0069	0.0082	0.0091						0.0073	8.69
CAPEX, млрд $	0.00016	0.0000	0.0000	0.0001	0.000217	0.0001	0.0001	0.0013	0.000446	0.000446	0.0004	15.50

	2017Q4	2018Q1	2018Q2	2018Q3	2018Q4	2019Q1	2019Q2	2019Q3	2019Q4	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	5 quarters average	CAGR 5
Выручка, млрд $										0.0056	0.0062	0.0061	0.0055	0.0057	0.0058	0.0057	0.0056	0.0063	0.0066	0.0060	2.62
Чистая прибыль, млрд $										0.0017	0.0021	0.000144	0.0017	0.0018	0.0019	0.0016	0.0015	0.0016	0.0019	0.0017	0.00
Баланс стоимость, млрд $										0.0591	0.0613	0.0615	0.0625	0.0647	0.0666	0.0684	0.07	0.0717	0.0738	0.0701	2.07
FCF, млрд $												0
Операционная прибыль, млрд $	0.000705	0.00013	0.0011	0.0013	0.0015	0.0014	0.0012	0.0015	0.0017			0								0.0015	2.53
Операционные расходы, млрд $	0.0019	0.000318		0.002	0.002	0.0021	0.0024	0.0024	0.0023											0.0022	2.83

Cash flow Cash flow quarterly Assets

Balance sheet

IFRS

Reporting Annual Quarterly

	2015	2016	2017	2018	2019	2020	2021	2022	2023	LTM	5 year average	CAGR 5
Наличность, млрд $	0.0318	0.0451	0.06	0.0481	0.0736	0.125	0.0911	0.06	0.1016	0.1016	0.0903	6.66
Short Term Investments $	0.000245	0.000245									0.0002	0.00
Long term investments $	0.000707	0.00093	0.001	0.0013							0.0010	16.45
Total Receivables $				0.0027	0.0048	0.0067	0.0057	0.0113			0.0062	33.15
Total Current Assets $	0.0361	0.0472	0.0606	0.0489	0.0745	0.1276	0.0928				0.0809	8.90
Чистые активы, млрд $	0.000554	0.000438	0.000349	0.000274	0.0022	0.0015	0.00086				0.0010	19.77
Активы, млрд $	0.213	0.2335	0.2899	0.3291	0.3973	0.6744	0.5994	0.5914	0.612	0.612	0.5749	9.03
Long Term Debt $						0.0898					0.0898	0.00
Задолженность, млрд $	0.1958	0.2108	0.2658	0.2923	0.3564	0.6285	0.5442	0.5298	0.5436	0.5436	0.5205	8.81
Interest income $		0.0091	0.0104	0.014	0.0167	0.0204	0.0245	0.0247	0.0293		0.0231	11.90
Расходы на обслуживание долга $				0.000958	0.0023	0.0018	0.0011	0.0018	0.0076	0.0076	0.0029	27.00
Чист. проц. доходы, млрд $		0.0086	0.0097	0.014	0.0167	0.0204	0.0245	0.0247	0.0293	0.0293	0.0231	11.90

	2018Q4	2020Q1	2020Q2	2020Q3	2020Q4	2021Q1	2021Q2	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	5 quarters average	CAGR 5
Наличность, млрд $											0.1352	0.0858	0.06	0.0839	0.0944	0.1	0.1016	0.1016	0.0905	0.0897	0.0967	-2.15
Short Term Investments $																				0.0199	0.0199	0.00
Long term investments $	0.0013																				0.0013	0.00
Total Receivables $						0.009	0.0098	0.0088	0.0057	0.0082	0.0096	0.0137	0.0113	0.0131	0.0131						0.0122	6.41
Total Current Assets $		0.0916	0.1592	0.1376	0.1276	0.1482	0.1216	0.0928	0.0928			0.0995	0.0745								0.0962	-9.33
Чистые активы, млрд $			0.000292	0.000277	0.0015	0.000245	0.000238	0.00086	0.00086			0.0011	0.0014		0.0017						0.0012	14.60
Активы, млрд $											0.6312	0.6105	0.5914	0.6049	0.6124	0.6122	0.612	0.6132	0.6135	0.6371	0.6176	0.80
Long Term Debt $		0.01	0.0992	0.0992	0.0898	0.1055	0.0028	0.0227													0.0640	-25.54
Задолженность, млрд $											0.5721	0.5492	0.5298	0.5424	0.5477	0.5455	0.5436	0.5432	0.5418	0.5633	0.5475	0.64
Interest income $								0.006	0.006	0.0057	0.0059	0.0064	0.0068	0.0067	0.0072	0.0077	0.0077				0.0072	2.52
Расходы на обслуживание долга $											0.00032	0.000471	0.00083	0.0014	0.0019	0.0021	0.0022	0.0023	0.0025	0.0022	0.0023	0.93
Чист. проц. доходы, млрд $										0.0054	0.0059	0.0064	0.0068	0.0067	0.0072	0.0077	0.0077	0.0078	0.0083		0.0077	2.88

Share

IFRS

Reporting Annual Quarterly

	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	5 year average	CAGR 5
EPS	1.06	0.9838	1.64	1.99	2.27	4.33	2.8	3.29			3.29	2.94	10.58
Цена акции ао			20.65	24.28	20.75	25.15	27.2	26.65	32	30.75	30.75	28.35	4.10
Число акций ао, млн			2.02	2.04	2.06	2.07	2.09	2.11			2.11	2.07	0.68
FCF/акцию			2.02	2.3	3.97	4.15	3.17	4.25			4.25	3.57	13.07

	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2025Q1	5 quarters average	CAGR 5
EPS			0.85	1.02	0.07	0.7928	0.8574	0.878	0.7637	0.6846	0.7398	0.8783		0.7889	0.01
Цена акции ао	25.26	24.62	24.39	25.04	26.64	26.98	20.54	20.02	22.32				30.75	24.12	2.65

	5 quarters average	CAGR 5

Efficiency

IFRS

Reporting Annual Quarterly

	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
ROE, %	7.36	6.73	5.45	10.89	10.44	10.72	17.77	10.04	10.67			10.14	17.45	11.93	0.44
ROA, %	0.5941	0.6553	0.452	1.07	1.12	0.8693	1.41	0.9845	1.15			1.13	4.76	1.11	0.53
ROS, %			12.45	24.15	26.57	24.24	37.3	24.89	30.59	30.59	30.59	30.59	25.00	30.79	-3.89
ROCE, %											0	0	6.39
Ebit margin, %											0	0
Рентаб EBITDA, %											0	0	20.66
Чистая рентаб, %	15.31	16.19	12.45	24.15	26.57	24.24	37.3	24.89	30.59			30.59	25.00	28.72	2.86
Operation Margin, %	27.51	28.6	28.86	34.91	37.69				0	0	0	0	11.86	31.51	6.50

	2017Q4	2018Q1	2018Q2	2018Q3	2018Q4	2019Q1	2019Q2	2019Q3	2019Q4	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	Industry average	5 quarters average	CAGR 5
ROE, %										3.14	3.65	0.2437	2.75	2.8	2.93	2.49	2.2	2.31	2.67	17.45	2.52	-1.84
ROA, %										0.2846	0.3357	0.0239	0.2775	0.2954	0.3023	0.263	0.2388	0.257	0.2992	4.76	0.2721	-0.21
ROS, %										30.65	33.83	2.37	30.32	31.54	32.04	28.4	25.98	25.11	28.4	25.00	27.99	-2.38
Чистая рентаб, %										30.65	33.83	2.37	30.32	31.54	32.04	28.4	25.98	25.11	28.4	25.00	27.99	-2.38
Operation Margin, %	27.5	28.97	34.83	39.82	42.68	38.12	32.73	38.1	41.39											11.86	38.60	-0.61

Coefficients

IFRS

Reporting Annual Quarterly

	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
P/E	12.6	12.89	9.7	5.55	9.72	8.06			8.06	48.33	9.18	-8.96
P/BV	1.14	1.28	0.9842	0.9037	0.9254	0.8171			0.8171	7.81	0.9821	-8.59
P/S	3.04	3.42	2.35	2.07	2.42	2.47			2.47	16.50	2.55	-6.30
P/FCF						0	0	0	0	2.41
E/P						0	0	0	0	87.41
EV/EBIT							0	0	0
EV/S						0	0	0	0	16.20
EV/FCF							0	0	0	21.08
Debt/EBITDA						0	0	0	0	-305.66
Netdebt/Ebitda						0	0	0	0	-297.90
Debt/Ratio						0	0	0	0	0.12
Debt/Equity						0	0	7.95	7.95	10.69	7.95	0.00
Debt/Net Income						0	0	0	0	30.43
PEG								7063.12	7063.12		7063.12	0.00
Бета						3.04	1.37	-0.1089	-0.1089	-0.88	1.43	-132.96
Индекс Альтмана						0	0.0529	0.0529	0.0529	50.21	0.0529	0.00

	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2025Q1	2025Q2	Industry average	5 quarters average	CAGR 5
P/E	6.18	7.08	9.69	8.72	7	7.99	8.05	8.45	9.13	9.62			48.33	8.65	3.78
P/BV	0.86	0.9091	0.9254	0.7836	0.6198	0.6564	0.8171	0.8218	0.8317	0.8517			7.81	0.7957	5.35
P/S	2.17	2.38	2.41	2.1	1.7	1.89	2.46	2.49	2.54	2.6			16.50	2.40	6.59
Бета											-0.2489	-0.0684	-0.88	-0.1587	-47.58
Индекс Альтмана											0.0529	0.0529	50.21	0.0529	0.00

	Industry average	5 quarters average	CAGR 5

Dividends

IFRS

Reporting Annual

	LTM	Industry average	5 year average	CAGR 5
Дивиденд	0
Див доход, ао, %	0	7.90

	Industry average	5 quarters average	CAGR 5

	Industry average	5 quarters average	CAGR 5

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