Bank7 (BSVN) AI Stock Analysis

• Market Cap: $370.40M
• Dividend Yield: 2.4%
• Average Volume (3M): 8.53K
• Price to Earnings (P/E): 9.0
• Beta (1Y): 0.78
• Revenue Growth: -6.72%
• EPS Growth: 19.64%
• Country: US
• Employees: 124
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 1.12
• Shares Outstanding: 9,519,335
• 10 Day Avg. Volume: 11,062
• 30 Day Avg. Volume: 8,525
• PEG Ratio: -1.23
• Price to Book (P/B): 1.54
• Price to Sales (P/S): 2.82
• P/FCF Ratio: 9.18
• Enterprise Value/Market Cap: 0.33
• Enterprise Value/Revenue: 0.90
• Enterprise Value/Gross Profit: 1.29
• Enterprise Value/Ebitda: 2.15
• 1Y Price Target: $54.00
• Price Target Upside: 38.78% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 2
• EPS Forecast (FY): 4.19
• Revenue Forecast (FY): $97.09M

• Rating: 74 Outperform
• Price Target: $44.00 ▲(13.08% Upside)
• Action: Reiterated Date: 03/17/26
• Date: Action: Reiterated 03/17/26

The score is driven primarily by strong financial fundamentals and an attractive valuation (low P/E with a dividend). These positives are tempered by weak technicals (below major moving averages with negative momentum) and earnings-call risks centered on potential NIM compression and funding/competition challenges, despite overall constructive management commentary.

Positive Factors

Disciplined Underwriting & Asset Quality

Sustained top-tier asset quality and disciplined underwriting reduce credit volatility and provisioning over economic cycles. This durable strength supports steadier net income, lowers capital strain in downturns, and enables continued loan origination without sacrificing reserve adequacy—key for multi-quarter resilience.

Conservative Capital & Balance Sheet

A conservatively positioned balance sheet with rising equity and no reported debt provides regulatory cushion and strategic optionality. Built-up capital funds organic growth or M&A, cushions shocks to earnings, and allows management to prioritize long-term stability over short-term buybacks—supporting durable financial flexibility.

Strong Loan Growth and Fee Base

Consistent loan origination and expanding loan-fee income diversify earnings beyond net interest margin. Durable loan growth in core markets creates recurring NII and fee streams, helps scale the franchise, and supports margin stability when paired with disciplined pricing and client engagement across the Oklahoma/Texas footprint.

Negative Factors

Net Interest Margin Compression Risk

Material Fed rate cuts could compress NIM meaningfully, reducing core earnings. Even with some loans at floors, margin sensitivity to further easing would lower net interest income and leverage, pressuring profitability and potentially forcing repricing, product mix changes, or higher reliance on noninterest income.

Deposit Competition & Funding Sensitivity

Intensifying deposit competition raises funding costs and increases reliance on higher-rate products, squeezing NIM and narrowing room for loan repricing. Persistent deposit volatility can force more expensive funding strategies or slower loan growth, undermining margin sustainability and capital deployment plans over multiple quarters.

Growth Sustainability & Cash Conversion

Weaker cash conversion and a 2025 revenue decline suggest growth may be lumpy and funding-intensive. Elevated payoff activity and tighter cash flow reduce internal reinvestment capacity, constrain dividend or buyback flexibility, and make it harder to sustain prior growth rates without disciplined pricing or external funding.

Bank7 Business Overview & Revenue Model

Company Description

Bank7 Corp. operates as a bank holding company for Bank7 that provides banking and financial services to individual and corporate customers. It offers commercial deposit services, including commercial checking, money market, and other deposit accounts; and retail deposit services, such as certificates of deposit, money market accounts, checking accounts, negotiable order of withdrawal accounts, savings accounts, and automated teller machine access. The company also provides commercial real estate, hospitality, energy, and commercial and industrial lending services; consumer lending services to individuals for personal and household purposes comprising secured and unsecured term loans, and home improvement loans. As of March 8, 2022, it operated through a network of twelve full-service branches in Oklahoma, the Dallas/Fort Worth, Texas metropolitan area, and Kansas. The company was formerly known as Haines Financial Corp.Bank7 Corp. was founded in 1901 and is headquartered in Oklahoma City, Oklahoma.

How the Company Makes Money

Bank7 primarily makes money through traditional banking spread and fee-based activities: 1) Net interest income (core earnings driver): The bank earns interest and fee income on its loan portfolio and on interest-earning assets (such as securities and cash balances held at other institutions), and pays interest on funding sources such as customer deposits and other borrowings. The difference between interest income earned and interest expense paid (net interest income) is typically the largest component of a bank’s revenue and is influenced by loan growth, asset mix, deposit mix, and changes in market interest rates. 2) Noninterest income (fees and service charges): Bank7 also generates revenue from fees associated with banking services. This commonly includes items such as deposit service charges, interchange or card-related fees, and other service fees tied to account maintenance and customer transactions. Specific line-item amounts by category are not provided here. 3) Other income/loss items: Like most banks, results can also be affected by gains or losses on the sale of securities or other assets and other miscellaneous operating income. The magnitude of these items varies by period and depends on management actions and market conditions. 4) Credit performance and provisioning (key profitability factor): While not a revenue stream, the level of loan losses and the provision for credit losses materially impacts net earnings. Better credit performance reduces provisioning needs and supports profitability; higher charge-offs and provisioning reduce earnings. Significant partnerships or unique revenue arrangements: null

Bank7 Financial Statement Overview

Summary

Strong profitability and attractive ROE with a conservatively positioned balance sheet (no reported debt, rising equity). Offsetting factors include a 2025 revenue decline and weaker 2025 cash conversion versus prior years, suggesting near-term operating/cash-flow volatility.

Income Statement

Profitability is strong for a regional bank, with healthy net margins (roughly low-30% range in 2024–2025) and solid operating profitability. However, growth has cooled: revenue declined about 5.5% in 2025 after a positive 2024, and margins have generally stepped down from the exceptionally high 2020–2022 levels, suggesting a tougher operating/rate environment versus prior years.

Balance Sheet

The balance sheet looks conservatively positioned in the provided data, showing no reported debt and steadily rising equity over time. Returns on equity remain attractive (mid-to-high teens, with some years above 20%), indicating good capital productivity. The main limitation is that asset growth has been uneven (assets dipped in 2023 versus 2022 before rising again), which can signal variability in balance-sheet expansion.

Cash Flow

Cash generation is positive and generally improving over the cycle, with operating cash flow consistently positive and free cash flow growing strongly in 2025. Still, cash flow quality signals are mixed in the latest year: free cash flow fell to roughly breakeven versus reported earnings in 2025 (while it was close to earnings in 2021–2024), pointing to weaker cash conversion or timing effects in the most recent period.

Breakdown	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	137.26M	142.79M	130.79M	81.69M	58.54M
Gross Profit	96.38M	97.45M	70.64M	67.90M	51.31M
EBITDA	56.77M	61.41M	38.52M	40.66M	31.95M
Net Income	43.07M	45.70M	28.27M	29.64M	23.16M
Balance Sheet
Total Assets	1.96B	1.74B	1.77B	1.58B	1.35B
Cash, Cash Equivalents and Short-Term Investments	255.09M	273.14M	338.41M	287.75M	283.40M
Total Debt	0.00	0.00	0.00	0.00	0.00
Total Liabilities	1.71B	1.53B	1.60B	1.44B	1.22B
Stockholders Equity	251.00M	213.21M	170.33M	144.10M	127.41M
Cash Flow
Free Cash Flow	42.15M	50.85M	46.29M	39.42M	29.53M
Operating Cash Flow	46.14M	55.05M	49.13M	39.71M	30.13M
Investing Cash Flow	-210.59M	80.16M	-130.86M	-342.77M	-43.49M
Financing Cash Flow	174.89M	-82.05M	153.66M	207.32M	64.31M

Bank7 Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 38.91
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• RSI: Neutral
• STOCH: Positive

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For BSVN, the sentiment is Negative. The current price of 38.91 is below the 20-day moving average (MA) of 40.49, below the 50-day MA of 42.43, and below the 200-day MA of 43.08, indicating a bearish trend. The MACD of -1.11 indicates Positive momentum. The RSI at 35.74 is Neutral, neither overbought nor oversold. The STOCH value of 2.23 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for BSVN.

Bank7 Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
RRBI	80 Outperform	$584.97M	11.15	12.35%	0.73%	7.81%	26.91%
BSVN	74 Outperform	$370.40M	8.99	19.46%	2.40%	-6.72%	19.64%
HBCP	73 Outperform	$464.46M	9.75	11.03%	1.92%	6.25%	24.92%
FBIZ	72 Outperform	$435.50M	8.80	14.27%	2.08%	8.21%	29.65%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
CARE	63 Neutral	$439.96M	12.67	7.65%	―	6.62%	117.46%
COFS	58 Neutral	$412.90M	14.61	6.16%	3.69%	50.36%	-56.64%

Bank7 Corporate Events

Bank7 posts Q4 results with solid balance sheet

On January 15, 2026, Bank7 Corp. reported unaudited results for the fourth quarter and full year ended December 31, 2025, highlighting steady quarterly net income of $10.8 million and earnings per share of $1.12 despite slight sequential declines, alongside quarterly growth in total assets to $2.0 billion and total loans to $1.6 billion. For full-year 2025, net income fell 5.75% to $43.1 million and earnings per share declined 7.02% to $4.50 compared with 2024, yet the bank delivered double-digit annual growth in assets and loans, maintained strong pre-provision pre-tax earnings, and reported capital ratios comfortably above well-capitalized regulatory benchmarks, underscoring balance sheet strength and continued lending momentum for stakeholders.

The most recent analyst rating on (BSVN) stock is a Buy with a $46.00 price target. To see the full list of analyst forecasts on Bank7 stock, see the BSVN Stock Forecast page.