Bank7 (BSVN)
NASDAQ:BSVN
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Earnings Data
Report Date
Jul 23, 2026TBA (Confirmed)
Period Ending
2026 (Q2)Consensus EPS Forecast
1.04Last Year’s EPS
1.16Same Quarter Last Year
Moderate Buy
Based on 2 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call emphasized continued strong profitability, expanding and stable net interest margin guidance (4.40%–4.45%), a clean credit book with low NPAs (estimated $4M–$5M post payoff), solid capital (>15.96%, likely >16%), and clear near-term expense/fee guidance. Offsetting items include slower end-of-period loan balances due to sizable payoffs, a few downgrades (including a builder/developer expected to payoff), and macro/geopolitical uncertainty from the Middle East that could impact rates and credit. Management expects modest single-digit loan growth, limited near-term provisioning, and diminishing oil & gas P&L noise.Company Guidance
Net Interest Margin Expansion and Guidance
Core net interest margin expanded this quarter and management is modeling a stable core NIM of 4.40% to 4.45% assuming rates remain where they are; loan fee normalization expected in the 28 to 35 basis point range.
Strong Capital Position
Risk-based capital ended the quarter at approximately 15.96% (management indicated it is likely >16% today); management is comfortable accumulating capital and prioritizing organic growth or selective M&A rather than urgent capital deployment.
Solid Fee and Expense Visibility
Q2 operating expense guidance of $9.0M to $9.25M and noninterest income (fees) expected in the $750K to $850K range, providing clear near-term operating plan.
Clean Credit Book and Low NPAs
Credit quality described as 'as clean as it has ever been'; management expects remaining material NPA payoff, after which NPAs would be roughly $4M to $5M (about ~25 basis points of the portfolio). Nonaccrual interest net-up was just under $1.1M this quarter.
Consistent Profitability and ROE
Company emphasized top-quartile returns (described as top 1% return on equity), strong profitability, and disciplined capital deployment philosophy; zero provision in 4 of the last 5 quarters.
Loan Growth Bookings and Outlook
Average loan growth was described as 'pretty solid' with management targeting moderate single-digit loan growth for the year and noting nice bookings in Q1 despite anticipated payoffs.
Smaller Energy Exposure
Energy portfolio at a multi-year low (~a little over 8% of loans and noted as a 10-year low); management says energy is opportunistic, not a major growth driver, and related legacy energy items are diminishing.
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 |
|---|---|---|---|
Apr 14, 2026 | $42.92 | $43.95 | +2.40% |
Jan 15, 2026 | $42.84 | $43.41 | +1.34% |
Oct 15, 2025 | $44.74 | $44.99 | +0.57% |
Jul 17, 2025 | $44.73 | $45.58 | +1.89% |
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 Jul 23, 2026, TBA (Confirmed).
What is Bank7 (BSVN) earnings time?
Bank7 (BSVN) earnings time is at Jul 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 (Q2) is 1.04.