Bank7 (BSVN)
NASDAQ:BSVN
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Bank7
(NASDAQ:BSVN)
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Rating:74Outperform
Price Target:
$44.00
▲(11.11% Upside)
Action:ReiteratedDate: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.
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.
Read all positive and negative factors
Positive Factors
Negative 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.
Read all positive factors
Bank7 (BSVN) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$376.97M
Dividend Yield2.4%
Average Volume (3M)8.53K
Price to Earnings (P/E)9.0
Beta (1Y)0.78
Revenue Growth-6.72%
EPS Growth19.64%
CountryUS
Employees124
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)1.12
Shares Outstanding9,519,335
10 Day Avg. Volume11,062
30 Day Avg. Volume8,525
Financial Highlights & Ratios
PEG Ratio-1.23
Price to Book (P/B)1.54
Price to Sales (P/S)2.82
P/FCF Ratio9.18
Enterprise Value/Market Cap0.35
Enterprise Value/Revenue0.96
Enterprise Value/Gross Profit1.38
Enterprise Value/Ebitda2.30
Forecast
1Y Price Target
$54.00Price Target Upside36.36% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)4.19
Revenue Forecast (FY)$97.09M
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 acco...
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 securitie...
Bank7 Earnings Call Summary
Earnings Call Date:Jan 15, 2026
(Q4-2025)
| % Change Since: |
Next Earnings Date:Apr 23, 2026
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.Positive Updates
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.
Negative Updates
Net Interest Margin Compression Risk
Management acknowledged 'slight compression' in NIM during the quarter and warned additional Fed cuts could push NIM toward historical lows. They referenced a hypothetical 75 basis points of cuts as increasingly challenging and cited a historical low mid-4% area (CFO referenced $4.35 as a prior low; management noted it could potentially dip below that).
Read all updates
Q4-2025 Updates
Positive
Negative
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.
Read all positive updates
Company Guidance
Management's guidance was that loan payoff activity will remain elevated (they expect about $25 million of payoffs per month), which they said will require roughly $3.545 billion per month of new funding to sustain growth; loan growth similar to 2025 is possible but would require disciplined pricing. They pegged a starting NIM near 4.45% (with historical lows cited around 4.35% and management noting prior lows near 4.15–4.20%), warned that another ~75 bps of cuts would pressure margin, and noted a current cost-of-funds run rate of about 2.40%. Q4 operating metrics included $9.1 million of core expense and ~$1 million of oil & gas expense (with fee income split roughly $1 million core / $1 million oil & gas, ~$2 million total), and they expect oil & gas revenue to be an immaterial, gradually declining contributor over the next 3–4 years; capital is building so management remains focused on disciplined deployment rather than buybacks.Bank7 Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
86
Very Positive
Cash Flow
71
Positive
| 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
Negative
39.60
Price Trends
42.17
Negative
41.88
Negative
43.12
Negative
Market Momentum
-0.74
Negative
45.28
Neutral
66.81
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 39.6 is below the 20-day moving average (MA) of 39.80, below the 50-day MA of 42.17, and below the 200-day MA of 43.12, indicating a neutral trend. The MACD of -0.74 indicates Negative momentum. The RSI at 45.28 is Neutral, neither overbought nor oversold. The STOCH value of 66.81 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for BSVN.
Bank7 Risk Analysis
Bank7 disclosed 25 risk factors in its most recent earnings report. Bank7 reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
Bank7 Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
80 Outperform | $591.29M | 11.15 | 12.35% | 0.73% | 7.81% | 26.91% | |
74 Outperform | $376.97M | 8.99 | 19.46% | 2.40% | -6.72% | 19.64% | |
73 Outperform | $470.89M | 9.75 | 11.03% | 1.92% | 6.25% | 24.92% | |
72 Outperform | $442.09M | 8.80 | 14.27% | 2.08% | 8.21% | 29.65% | |
69 Neutral | $507.12M | 12.67 | 7.65% | ― | 6.62% | 117.46% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
58 Neutral | $407.81M | 14.61 | 6.16% | 3.69% | 50.36% | -56.64% |
* Financial Sector Average
BSVN
Bank7
39.60
1.30
3.40%
FBIZ
First Business Financial
52.99
6.47
13.90%
HBCP
Home Bancorp
60.09
15.77
35.58%
CARE
Carter Bankshares
22.88
6.56
40.20%
RRBI
Red River Bancshares
89.90
39.17
77.20%
COFS
ChoiceOne Financial Services
27.22
-0.45
-1.64%
Bank7 Corporate Events
Business Operations and StrategyFinancial Disclosures
Bank7 posts Q4 results with solid balance sheet
Neutral
Jan 15, 2026
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,...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.