Bank7 (BSVN)
NASDAQ:BSVN
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Bank7
(NASDAQ:BSVN)
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Rating:78Outperform
Price Target:
$49.00
▲(11.97% Upside)
Action:Reiterated
Date:05/22/26
The score is driven mainly by strong financial performance (high profitability, ROE, and conservative balance sheet) and favorable valuation (low P/E with a dividend). The earnings call supports the view with stable NIM guidance, strong capital, and clean credit, while the technical picture is neutral with limited momentum.
Positive Factors
High and Stable Profitability
Sustained high margins and above‑average ROE indicate durable core economics. Strong profitability funds internal capital needs, supports dividend capacity and loan loss absorption, and provides resilience through economic cycles, enabling strategic flexibility over the next several quarters.
Negative Factors
End‑period Loan Payoffs
Concentrated, recurring loan payoffs can structurally constrain earning‑asset growth and net interest income. If payoffs persist, the bank may struggle to grow deposits and loans organically, pressuring long‑run asset momentum and forcing reliance on fee income or M&A to sustain growth.
Read all positive and negative factors
Positive Factors
Negative Factors
High and Stable Profitability
Sustained high margins and above‑average ROE indicate durable core economics. Strong profitability funds internal capital needs, supports dividend capacity and loan loss absorption, and provides resilience through economic cycles, enabling strategic flexibility over the next several quarters.
Read all positive factors
Bank7 (BSVN) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$420.94M
Dividend Yield2.4%
Average Volume (3M)8.53K
Price to Earnings (P/E)9.2
Beta (1Y)0.82
Revenue Growth0.80%
EPS Growth-1.33%
CountryUS
Employees124
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)4.73
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 Ratio9.35
Enterprise Value/Market Cap0.41
Enterprise Value/Revenue1.24
Enterprise Value/Gross Profit1.76
Enterprise Value/Ebitda2.88
Forecast
1Y Price Target
$54.50Price Target Upside24.54% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)4.28
Revenue Forecast (FY)$98.00M
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 earns money through (1) net interest income and (2) noninterest income. Net interest income is generated by lending and investing activities: the bank collects interest on loans (e.g., commercial and industrial, commercial real est...
Bank7 Earnings Call Summary
Earnings Call Date:Apr 14, 2026
(Q1-2026)
| % Change Since: |
Next Earnings Date:Jul 23, 2026
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.Positive Updates
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.
Negative Updates
End-of-Period Loan Balances Impacted by Payoffs
While average loan growth was solid, sizable early payoffs late in the quarter (and expected sizable payoffs in Q2) dragged down end-of-period balances and slowed the pace relative to the very robust growth in prior quarters.
Read all updates
Q1-2026 Updates
Positive
Negative
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.
Read all positive updates
Company Guidance
Management guided to a core NIM of about 4.40%–4.45% with loan‑fee normalization around 28–35 bps (Kelly cited ~28–30+ bps), and noted a nonaccrual interest net‑up of roughly $1.1M this quarter; they expect moderate single‑digit loan growth for the year but sizable payoffs in Q2 (Q1 bookings were strong), Q2 operating expenses of $9.0M–$9.25M and noninterest income of about $0.75M–$0.85M, capital finished the quarter near 15.96% risk‑based (likely >16% today), energy loans are roughly 8% of the portfolio (a 10‑year low), expected NPAs post‑payoff of ~$4M–$5M (about 25 bps), have taken zero provisions in four of the last five quarters, see deposit costs remaining stable absent rate increases, and continue to favor organic growth and opportunistic M&A over routine buybacks.Bank7 Financial Statement Overview
Summary
Income Statement
82
Very Positive
Balance Sheet
86
Very Positive
Cash Flow
78
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 140.81M | 137.26M | 142.79M | 130.79M | 81.69M | 58.54M |
| Gross Profit | 99.24M | 96.38M | 97.45M | 70.64M | 67.90M | 51.31M |
| EBITDA | 60.66M | 57.88M | 61.41M | 38.52M | 40.66M | 31.95M |
| Net Income | 44.74M | 43.07M | 45.70M | 28.27M | 29.64M | 23.16M |
Balance Sheet | ||||||
| Total Assets | 1.95B | 1.96B | 1.74B | 1.77B | 1.58B | 1.35B |
| Cash, Cash Equivalents and Short-Term Investments | 298.84M | 255.09M | 273.14M | 338.41M | 287.75M | 283.40M |
| Total Debt | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Total Liabilities | 1.69B | 1.71B | 1.53B | 1.60B | 1.44B | 1.22B |
| Stockholders Equity | 259.82M | 251.00M | 213.21M | 170.33M | 144.10M | 127.41M |
Cash Flow | ||||||
| Free Cash Flow | 42.20M | 41.40M | 50.85M | 46.29M | 39.42M | 29.53M |
| Operating Cash Flow | 51.79M | 46.14M | 55.05M | 49.13M | 39.71M | 30.13M |
| Investing Cash Flow | -154.76M | -210.59M | 80.16M | -130.86M | -342.77M | -43.49M |
| Financing Cash Flow | 109.10M | 174.89M | -82.05M | 153.66M | 207.32M | 64.31M |
Bank7 Technical Analysis
Neutral
43.76
Price Trends
42.76
Positive
42.54
Positive
43.14
Negative
Market Momentum
0.31
Negative
48.66
Neutral
51.68
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For BSVN, the sentiment is Neutral. The current price of 43.76 is above the 20-day moving average (MA) of 43.29, above the 50-day MA of 42.76, and above the 200-day MA of 43.14, indicating a neutral trend. The MACD of 0.31 indicates Negative momentum. The RSI at 48.66 is Neutral, neither overbought nor oversold. The STOCH value of 51.68 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for BSVN.
Bank7 Risk Analysis
Bank7 disclosed 26 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 | $629.55M | 5.52 | 24.82% | ― | 30.36% | 306.20% | |
78 Outperform | $420.94M | 9.15 | 18.18% | 2.40% | 0.80% | -1.33% | |
78 Outperform | $480.16M | 8.89 | 14.12% | 2.08% | 5.94% | 10.27% | |
75 Outperform | $508.20M | 10.54 | 10.86% | 1.92% | 3.07% | 25.18% | |
75 Outperform | $600.79M | 13.30 | 12.46% | 0.73% | 7.26% | 25.66% | |
74 Outperform | $473.21M | 8.21 | 12.28% | 3.69% | 59.56% | 203.82% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
* Financial Sector Average
BSVN
Bank7
43.15
5.41
14.34%
FBIZ
First Business Financial
55.79
9.89
21.54%
HBCP
Home Bancorp
63.39
14.94
30.83%
CARE
Carter Bankshares
27.33
10.91
66.47%
RRBI
Red River Bancshares
89.74
34.14
61.41%
COFS
ChoiceOne Financial Services
30.52
2.90
10.50%
Bank7 Corporate Events
Executive/Board ChangesShareholder Meetings
Bank7 Shareholders Reelect Board and Approve Key Proposals
Positive
May 21, 2026
At its annual shareholders’ meeting held on May 20, 2026, Bank7 Corp. shareholders elected seven directors to serve on the board for terms expiring at the 2027 annual meeting, with each nominee receiving strong majority support despite some ...
Business Operations and StrategyFinancial Disclosures
Bank7 Reports Record First-Quarter 2026 Earnings Growth
Positive
Apr 14, 2026
On April 14, 2026, Bank7 Corp. reported unaudited first-quarter 2026 results showing record earnings per share of $1.25 and net income of $12.01 million, up about 16% year over year. The bank also posted higher total assets of $1.95 billion and to...
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.