Golden State Bancorp (GSBX)
Full history for every metric is available with a Kvantra account
No price history available.
Key financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total net revenue | $m | 12 | 18 | 25 | 27 | 30 | 35 | 39 | - |
| Operating profit | $m | 13 | 15 | ||||||
| Net profit | $m | -1 | 4 | 8 | 8 | 8 | 9 | 11 | - |
| EPS reported | $ | 3.38 | 3.78 | ||||||
| Operating cashflow per share | $ | 4.30 | 0.00 | ||||||
| Capex per share | $ | 0.00 | 0.00 | ||||||
| FCF per share | $ | 4.30 | 0.00 | ||||||
| Free cash flow | $m | 12 | 0 | ||||||
| Net debt | $m | -64 | 50 | ||||||
| Book value equity | $m | 81 | 88 | ||||||
| Book value per share | $ | 29.48 | 31.55 | ||||||
| Number of shares | m | 2.76 | 2.8 | ||||||
| DPS (TTM paid) | $ | 0.00 | 0.00 |
Financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 9.29 | 10.88 | ||||||
| P/B LTM | x | 1.07 | 0.98 | ||||||
| P/S LTM | x | 2.46 | 2.25 | ||||||
| P/FCF LTM | x | 7.30 | 0.00 | ||||||
| EV/EBITDA LTM | x | 1.67 | 1.54 | ||||||
| EV/Sales LTM | x | 0.36 | 1.92 | ||||||
| Earnings Yield LTM | % | +10.76% | +9.19% | ||||||
| FCF Yield | % | +13.69% | 0.00% | ||||||
| Quality | |||||||||
| ROE | % | +11.46% | +12.51% | ||||||
| ROIC | % | +6.38% | +6.74% | ||||||
| Operating margin | % | +21.06% | +21.73% | ||||||
| Gross margin | % | +56.05% | +56.82% | ||||||
| FCF/Sales | % | +18.86% | 0.00% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | +13.42% | +26.85% | ||||||
| Sales Growth YoY | % | +17.99% | +28.96% | ||||||
| Net Income Growth YoY | % | +14.90% | +29.59% | ||||||
| FCF Growth | % | +28.37% | -100.00% | ||||||
| Operating Profit Growth | % | +28.69% | +43.74% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | 0.00% | 0.00% | ||||||
| Dividend Growth | % | - | - | ||||||
| Payout Ratio | % | 0.00% | 0.00% | ||||||
| FCF/Debt | x | 0.20 | 0.00 | ||||||
| Net Debt/EBITDA | x | -4.69 | 3.87 | ||||||
| EBIT/Net interest | x | 0.48 | 0.50 | ||||||
| Net debt/market cap | % | +68.76% | +78.03% | ||||||
| Net debt/Equity | x | -0.79 | 0.57 | ||||||
| Gross debt/equity | x | 0.73 | 0.62 | ||||||
Price target estimates
Based on consensus from external analysts. Not Kvantra's opinion.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
ESG
| Metric | 2024 | 2025 | 2026 |
|---|---|---|---|
| ESG-score | |||
| Environmental score | |||
| Social score | |||
| Governance score | |||
| Risk rating |
Company overview
Golden State Bancorp operates as the holding company for Golden State Bank that provides personal and business banking services in Los Angeles, Orange, Riverside, San Diego, Ventura, and San Bernardino counties in California. The company accepts checking, savings, deposits, and money market accounts, and cash management services, as well as certificates of deposit. Its loan products comprise commercial real estate, business operating term, and construction loans, as well as non-owner occupied residential financing, strategic bridge financing solutions, and lines of credit. In addition, the company offers bill pay, and online and mobile banking services. It serves the business, commercial, and professional markets through its branches located in Glendale, California, and Upland. Golden State Bancorp was incorporated in 2015 and is headquartered in Glendale, California.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
No price history available.
Not enough data to calculate KvantraRank
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
Golden State Bancorp operates as the holding company for Golden State Bank that provides personal and business banking services in Los Angeles, Orange, Riverside, San Diego, Ventura, and San Bernardino counties in California. The company accepts checking, savings, deposits, and money market accounts, and cash management services, as well as certificates of deposit. Its loan products comprise commercial real estate, business operating term, and construction loans, as well as non-owner occupied residential financing, strategic bridge financing solutions, and lines of credit. In addition, the company offers bill pay, and online and mobile banking services. It serves the business, commercial, and professional markets through its branches located in Glendale, California, and Upland. Golden State Bancorp was incorporated in 2015 and is headquartered in Glendale, California.
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