Bank7 (BSVN) AI Stock Analysis

• Market Cap: $351.10M
• Dividend Yield: 2.5%
• Average Volume (3M): 35.38K
• Price to Earnings (P/E): 7.7
• Beta (1Y): 0.96
• Revenue Growth: 1.20%
• EPS Growth: 46.86%
• Country: US
• Employees: 124
• Sector: Financial
• Sector Strength: 86
• Industry: Banks - Regional
• EPS (TTM): 4.84
• Shares Outstanding: 9,448,237
• 10 Day Avg. Volume: 52,182
• 30 Day Avg. Volume: 35,382
• PEG Ratio: 0.16
• Price to Book (P/B): N/A
• Price to Sales (P/S): 3.82
• Price to Cash Flow (P/CF): 7.10
• P/FCF Ratio: 4.40
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: $45.75
• Price Target Upside: 32.42% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 2

Bank7's overall score reflects strong financial fundamentals and record performance, tempered by current technical analysis indicating negative momentum. The company's undervaluation and positive corporate events offer upside potential, albeit with some caution due to market conditions.

Bank7 Business Overview & Revenue Model

Company Description

Bank7 (BSVN) is a publicly traded financial institution based in the United States that provides a wide range of banking and financial services. The bank primarily serves individual customers, small to medium-sized businesses, and commercial entities. Its core offerings include personal and business banking solutions, such as checking and savings accounts, loans and credit products, as well as treasury management and mortgage services.

How the Company Makes Money

Bank7 makes money through various revenue streams within the banking sector. The primary source of revenue is the interest income earned from loans and credit products offered to customers, which includes personal loans, business loans, and mortgages. Additionally, the bank generates income from service fees associated with account maintenance, transaction services, and other banking activities. Bank7 also earns revenue through investment activities, including the interest and dividends from securities it holds. Partnerships with other financial service providers may contribute to its income through collaborative offerings or referral fees. Overall, the bank's profitability is driven by its ability to manage interest rate spreads, attract and retain customers, and maintain operational efficiency.

Bank7 Financial Statement Overview

Summary

Bank7 exhibits strong financial health with significant revenue and profitability growth, zero debt, and robust cash flow. Highlights include improved net profit margin and equity growth. Some fluctuations in financing activities and the equity funding structure could be optimized further.

Income Statement

Bank7 has shown a consistent growth trajectory in total revenue, with a notable increase from $43.48 million in 2019 to $131.54 million in 2024. Gross profit margin remains strong at 100% due to the nature of banking. The net profit margin improved significantly from 18.87% in 2019 to 34.74% in 2024. The revenue growth rate is also impressive, with a 10.02% increase from 2020 to 2021, further indicating robust performance. EBIT and EBITDA margins are solid, reflecting efficiency in operations. Overall, the income statement demonstrates strong profitability and growth, although the absence of EBITDA in 2024 slightly detracts from the comprehensive analysis.

Balance Sheet

Bank7's balance sheet is characterized by strong equity growth, with stockholders' equity rising from $100.13 million in 2019 to $213.21 million in 2024. The debt-to-equity ratio is favorable at 0, indicating no debt burden. The equity ratio improved from 11.56% in 2019 to 12.25% in 2024, suggesting a stable financial structure. Return on equity has also increased, showcasing enhanced profitability per equity dollar. While the low leverage is a strength, the relatively low equity ratio may indicate potential room for improving asset funding through equity.

Cash Flow

The cash flow statement of Bank7 reveals a positive trend in operating cash flow, increasing from $19.18 million in 2019 to $55.05 million in 2024. Free cash flow growth is strong, although capital expenditures are minimal. The operating cash flow to net income ratio is favorable, suggesting efficient cash generation from operations. However, fluctuations in financing cash flow, especially in recent years, highlight potential volatility in external funding activities. Despite this, solid free cash flow indicates good liquidity management.

Breakdown
Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement		Total Revenue
131.54M	130.79M	72.37M	55.49M	48.83M
	Gross Profit
131.54M	70.64M	72.37M	55.49M	48.83M
	EBIT
130.70M	37.22M	49.39M	30.91M	25.88M
	EBITDA
0.00	38.52M	40.66M	31.95M	26.98M
	Net Income Common Stockholders
45.70M	28.27M	29.64M	23.16M	19.27M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
294.14M	181.04M	287.75M	283.40M	170.31M
	Total Assets
1.74B	1.77B	1.58B	1.35B	1.02B
	Total Debt
0.00	1.99M	2.08M	0.00	0.00
	Net Debt
-234.20M	-198.72M	-112.51M	-198.60M	-170.31M
	Total Liabilities
1.53B	1.60B	1.44B	5.67M	3.83M
	Stockholders Equity
213.21M	170.33M	144.10M	127.41M	107.32M
Cash Flow		Free Cash Flow
55.05M	46.29M	39.42M	29.36M	24.80M
	Operating Cash Flow
55.05M	49.13M	39.71M	29.95M	25.23M
	Investing Cash Flow
80.16M	-130.86M	-342.77M	-43.49M	-119.61M
	Financing Cash Flow
-82.05M	153.66M	207.32M	64.49M	131.15M

Bank7 Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 34.55
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

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 34.55 is below the 20-day moving average (MA) of 38.31, below the 50-day MA of 40.03, and below the 200-day MA of 40.34, indicating a bearish trend. The MACD of -0.49 indicates Negative momentum. The RSI at 45.56 is Neutral, neither overbought nor oversold. The STOCH value of 37.23 is Neutral, 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
CBSH	76 Outperform	$7.87B	15.17	16.67%	1.78%	-2.75%	11.75%
PB	72 Outperform	$6.42B	13.36	6.60%	3.55%	11.96%	11.66%
BSVN	71 Outperform	$351.10M	7.68	22.26%	2.50%	1.20%	46.86%
BANF	70 Outperform	$3.60B	16.83	14.16%	1.67%	12.93%	1.40%
CFR	69 Neutral	$6.87B	12.06	15.13%	3.53%	7.81%	-2.49%
BOKF	68 Neutral	$5.93B	11.34	9.70%	2.43%	11.17%	1.47%
Sector *	64 Neutral	$13.21B	9.26	9.39%	4.87%	16.14%	-8.87%

Bank7 Corporate Events

Bank7 Reports Q1 2025 Financial Results

On April 10, 2025, Bank7 Corp. announced its financial results for the first quarter of 2025, reporting a net income of $10.3 million, a decrease from the previous year’s $11.3 million. Despite the decline in net income and earnings per share, the company maintained strong capital levels, with significant increases in total assets and loans. Bank7 remains well-capitalized, with robust capital ratios, and is prepared to navigate potential economic disruptions while continuing to build capital.

Spark’s Take on BSVN Stock

According to Spark, TipRanks’ AI Analyst, BSVN is a Outperform.

Bank7’s overall score reflects strong financial fundamentals and record performance, tempered by current technical analysis indicating negative momentum. The company’s undervaluation and positive corporate events offer upside potential, albeit with some caution due to market conditions.

To see Spark’s full report on BSVN stock, click here.

Bank7 Announces Record Financial Results for 2024

On January 16, 2025, Bank7 Corp announced record financial results for the year ended December 31, 2024. The company reported a significant increase in net income and earnings per share compared to 2023, with net income rising by 61.62% to $45.7 million and earnings per share increasing by 58.69% to $4.84. Despite a slight decrease in total assets, the company achieved robust capital ratios, maintaining its status as well-capitalized under regulatory standards. These results underscore Bank7 Corp’s strong performance, driven by effective balance sheet management and cost control strategies.