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Bank of San Francisco
BSFOFinancial ServicesOTCUS
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Estimates, scoring, valuation assumptions, and peer comparison in one research surface.
Change the assumptions to see how revenue growth, margins, and exit multiples can move fair value.
| Year | Revenue | Margin | Profit | Free cash flow | Present value |
|---|---|---|---|---|---|
| 2026 | $37.00M | 18.3% | $6.77M | $7.03M | N/A |
| 2027 | $40.70M | 18.3% | $7.45M | $7.73M | $7.03M |
| 2028 | $44.77M | 18.3% | $8.19M | $8.51M | $7.03M |
| 2029 | $49.25M | 18.3% | $9.01M | $9.36M | $7.03M |
| 2030 | $54.17M | 18.3% | $9.91M | $10.29M | $7.03M |
| 2031 | $59.59M | 18.3% | $10.91M | $11.32M | $7.03M |
Projects EPS forward, applies an exit P/E, then discounts the result back to today.
| Base EPS | $3.17 | 2025-12-31 |
| EPS growth | +2.5% | Forecast years: 5 |
| Future EPS | $3.587 | EPS × (1 + G)^5 |
| Base P/E | 10.1 | P/E |
| Future price | $36.224 | Future EPS × P/E |
| Fair value today | $22.492 | PV @ 10.0% |
| 30% safety price | $15.745 | Margin of safety |
| 50% safety price | $11.246 | Margin of safety |
| Discount rate \\ Terminal growth | 1.5% | 2.5% | 3.5% |
|---|---|---|---|
| 9.0% | $96.821 | $107.69 | $122.50 |
| 10.0% | $85.848 | $93.858 | $104.33 |
| 11.0% | $77.198 | $83.297 | $91.023 |