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Bank7 (BSVN)
NASDAQ:BSVN
Earnings Data
Report Date
Apr 23, 2026TBA (Confirmed)
Period Ending
2026 (Q1)Consensus EPS Forecast
1.02Last Year’s EPS
1.08Same Quarter Last Year
Moderate Buy
Based on 2 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call was predominantly positive: management emphasized outstanding loan growth, strong fee income, very good asset quality, disciplined expense control, and a healthy capital position that provides strategic optionality. Headwinds include NIM compression risk if additional rate cuts occur, rising deposit competition and rate sensitivity, the steady wind-down of oil & gas revenue, and the challenge of sustaining 2025-level growth. Overall, the positive operational and capital dynamics were presented as outweighing the manageable risks.Company Guidance
Strong Loan Growth and Fee Income
Management highlighted 'outstanding loan growth' during 2025 and 'strong loan fee income' driven by scale in key markets (Oklahoma and Texas). Management described sustained momentum and weekly client engagement to maximize loan dollars. Jason Estes cited an expected payoff pace of roughly $25 million per month going forward while emphasizing continued origination activity.
Very Strong Asset Quality and Disciplined Underwriting
Management said loan growth was achieved 'without sacrificing underwriting' and noted asset quality is 'probably better than it's ever been.' As a result, provisions were not materially increased this year or last year despite significant growth.
Healthy Net Interest Margin Positioning
CFO referenced a current NIM 'around $4.45' as a 'great starting point,' noting many loans are at floors which supports margin stability. Management also highlighted mitigating actions (time deposit repricing) that can help offset some pressure.
Lower Cost of Funds and Deposit Wins
CFO reported a current cost of funds run rate of $2.40 and noted the company picked up a couple of 'nice deposits' post year-end that helped reduce cost of funds. Management described solid organic deposit growth across the year.
Strong Expense Control and Fee Base
Management reiterated strong expense discipline. For Q4, CFO provided a guide: roughly $9.1 million in core expense and ~$1 million attributable to oil & gas expense. Fee income in Q4 was approximately $2 million total (split ~$1M core fee, ~$1M oil & gas).
Capital Build and Strategic Optionality for M&A
Management said capital is 'piling up rapidly,' giving the company optionality to pursue M&A or maintain discipline. They emphasized resisting significant buybacks to build capital and said AOCI headwinds have eased somewhat, improving deal visibility.
Top-Tier Long-Term Shareholder Returns (Management View)
Management pointed to long-term total shareholder return versus peers as 'top, top, top tier,' and emphasized focus on delivering 'top-tier results' over time rather than near-term buybacks.
BSVN Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
BSVN Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
Jan 15, 2026 | $43.14 | $43.72 | +1.34% |
Oct 15, 2025 | $45.05 | $45.31 | +0.58% |
Jul 17, 2025 | $45.05 | $45.90 | +1.89% |
Apr 10, 2025 | $36.50 | $34.74 | -4.82% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
FAQ
When does Bank7 (BSVN) report earnings?
Bank7 (BSVN) is schdueled to report earning on Apr 23, 2026, TBA (Confirmed).
What is Bank7 (BSVN) earnings time?
Bank7 (BSVN) earnings time is at Apr 23, 2026, TBA (Confirmed).
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is BSVN EPS forecast?
BSVN EPS forecast for the fiscal quarter 2026 (Q1) is 1.02.