The earnings call highlighted strong organic growth and stable credit performance, but also noted challenges such as net interest margin compression, macroeconomic volatility, and a slow mortgage market.
Company Guidance
During the Bank7 Corp. Third Quarter 2025 Earnings Call, management highlighted several key metrics reflecting the company’s robust financial performance. The bank demonstrated strong organic growth in both loan and deposit portfolios, contributing to a solid net interest margin of 4.55% at quarter-end, though it is anticipated to slightly compress to 4.50% with potential future rate cuts. Loan growth is projected to achieve a high single-digit year-over-year increase, supported by a strong pipeline despite potential lumpy paydowns. Average loan pricing for new funding is expected to range between 7% and 7.25%. The loan fee income, which constitutes about 40 basis points of the margin, has increased due to robust deal activity. Credit quality remained strong, with minimal criticized or classified migrations, though the bank prudently increased reserves due to macroeconomic uncertainties. Non-interest expenses are projected to maintain a consistent run rate of $9.5 million, while the core fee income is expected to align with the previous quarter. The bank remains active in exploring strategic M&A opportunities, though challenges such as AOCI overhangs and valuation expectations persist.
Strong Organic Growth
The company experienced significant organic growth in both loan and deposit portfolios, positioning the bank well with strong capital ratios.
High Single-Digit Loan Growth Expected
The company expects high single-digit year-over-year loan growth, with a strong current pipeline despite potential lumpy paydowns.
Robust Loan Fee Income
Loan fee income has been strong, representing about 40 basis points of the margin, driven by successful efforts from the sales team.
Stable Credit Trends
Credit performance was strong, with benign migrations in the criticized or classified assets, and overall very neutral to slightly positive credit trends.
Bank7 (BSVN) Earnings, Revenues Date & History
The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced
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
Oct 15, 2025
$45.33
$45.59
+0.57%
Jul 17, 2025
$45.33
$46.18
+1.88%
Apr 10, 2025
$36.72
$34.95
-4.82%
Jan 16, 2025
$45.15
$43.71
-3.19%
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 Feb 04, 2026, TBA (Confirmed).
What is Bank7 (BSVN) earnings time?
Bank7 (BSVN) earnings time is at Feb 04, 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.