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Bank7
(NASDAQ:BSVN)
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Rating:77Outperform
Price Target:
$57.00
â–²(15.29% Upside)
Action:Reiterated
Date:08/11/26
The score is driven primarily by strong financial performance (high margins, healthy ROE, and solid free cash flow) and supportive valuation (P/E ~11.4 with a ~2.13% yield). Technicals add a positive backdrop with price above key moving averages and neutral-to-positive momentum. The latest earnings call introduces execution risk from elevated near-term expenses, expected loan paydowns, and uncertainty tied to the strategic process, which tempers the overall rating.
Positive Factors
High profitability and margins
Sustained high net and operating margins indicate durable earnings power from lending and fee businesses. These margins create buffer against credit volatility, support internal capital buildup and dividend/M&A capacity, and imply an advantaged cost and pricing position over the next several quarters.
Negative Factors
Top-line softness
A declining revenue trajectory undermines operating leverage and may force margin tradeoffs if cost base remains elevated. Slower top-line growth makes achieving mid-single-digit loan growth targets more challenging and raises execution importance for originations over the next several quarters.
Read all positive and negative factors
Positive Factors
Negative Factors
High profitability and margins
Sustained high net and operating margins indicate durable earnings power from lending and fee businesses. These margins create buffer against credit volatility, support internal capital buildup and dividend/M&A capacity, and imply an advantaged cost and pricing position over the next several quarters.
Read all positive factors
Bank7 (BSVN) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$481.39M
Dividend Yield2.13%
Average Volume (3M)8.53K
Price to Earnings (P/E)11.4
Beta (1Y)0.79
Revenue Growth-0.23%
EPS Growth-6.18%
CountryUS
Employees125
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)4.43
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 Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price Target
$58.50Price Target Upside18.33% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)4.45
Revenue Forecast (FY)$99.13M
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 provides commercial deposit, commercial checking, money market, and other deposit accounts; and retail ...
How the Company Makes Money
Bank7 primarily makes money through traditional banking spread and fee-based activities. (1) Net interest income: The core earnings driver is the interest it earns on loans and other interest-earning assets (such as securities and interest-bearing...
Bank7 Earnings Call Summary
Earnings Call Date:Jul 16, 2026
(Q2-2026)
| % Change Since: |
Next Earnings Date:Oct 15, 2026
Earnings Call Sentiment Positive
The call conveyed a generally positive operational and financial backdrop — recovering a prior loss via a $3.7M net gain, strong core NIM (June 4.51%), stable deposit costs (~2.28%–2.30%), a robust loan pipeline and mid-single-digit loan growth target. However, the quarter was marked by elevated one-time and recurring expenses to remediate material weaknesses and support potential M&A, expected Q3 operating expenses of $9.5M–$9.7M, anticipated large loan paydowns in H2, and some uncertainty around a strategic auction process. On balance, management presented these headwinds as manageable and largely temporary while highlighting strong liquidity, no debt, and solid capital.Positive Updates
One-Time Recovery From Energy Asset
Realized a $3.7 million net gain on the sale of oil & gas assets; management emphasized the sale recovered cash previously lost in 2023 and yielded a positive return, removing the company from the oil & gas business.
Negative Updates
Elevated IT and Remediation Expenses
Incurred significant IT and consulting expenses to remediate identified material weaknesses; management expects much of this remediation and related costs to continue into Q3.
Read all updates
Q2-2026 Updates
Positive
Negative
One-Time Recovery From Energy Asset
Realized a $3.7 million net gain on the sale of oil & gas assets; management emphasized the sale recovered cash previously lost in 2023 and yielded a positive return, removing the company from the oil & gas business.
Read all positive updates
Company Guidance
Management said Q3 noninterest expenses will likely be about $9.5–$9.7 million as IT/material‑weakness remediation and related consulting fees roll through but are expected to be mostly complete by quarter‑end; deposit cost was essentially flat in June at ~2.28%–2.30%; core loan yield in the quarter was just over 7.0% and core NIM guidance is roughly 4.45%–4.53% (June NIM 4.51%); they reiterated a full‑year loan growth target of mid‑single digits, expect Q3 fundings to be roughly 2× Q2 to offset known large paydowns in H2, and noted a $3.7 million net gain on the oil & gas disposition, strong liquidity/no debt and heavy capital; finally, the Century auction timetable is fluid but includes court actions in the next ~10 days and a proposed auction end date of Sept. 3 with a four‑week August bidding window.Bank7 Financial Statement Overview
Summary
Income Statement
74
Positive
Balance Sheet
82
Very Positive
Cash Flow
78
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 135.29M | 137.26M | 142.79M | 130.79M | 81.69M | 58.54M |
| Gross Profit | 94.74M | 96.38M | 97.45M | 70.64M | 67.90M | 51.31M |
| EBITDA | 57.26M | 57.88M | 61.41M | 38.52M | 40.66M | 31.95M |
| Net Income | 41.98M | 43.07M | 45.70M | 28.27M | 29.64M | 23.16M |
Balance Sheet | ||||||
| Total Assets | 1.91B | 1.96B | 1.74B | 1.77B | 1.58B | 1.35B |
| Cash, Cash Equivalents and Short-Term Investments | 272.21M | 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 | 1.65B | 1.71B | 1.53B | 1.60B | 1.44B | 1.22B |
| Stockholders Equity | 266.31M | 251.00M | 213.21M | 170.33M | 144.10M | 127.41M |
Cash Flow | ||||||
| Free Cash Flow | 43.37M | 41.40M | 50.85M | 46.29M | 39.42M | 29.53M |
| Operating Cash Flow | 49.83M | 46.14M | 55.05M | 49.13M | 39.71M | 30.13M |
| Investing Cash Flow | -80.45M | -210.59M | 80.16M | -130.86M | -342.77M | -43.49M |
| Financing Cash Flow | 32.36M | 174.89M | -82.05M | 153.66M | 207.32M | 64.31M |
Bank7 Technical Analysis
Positive
49.44
Price Trends
48.32
Positive
45.21
Positive
43.51
Positive
Market Momentum
0.53
Positive
55.78
Neutral
50.69
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For BSVN, the sentiment is Positive. The current price of 49.44 is below the 20-day moving average (MA) of 50.23, above the 50-day MA of 48.32, and above the 200-day MA of 43.51, indicating a bullish trend. The MACD of 0.53 indicates Positive momentum. The RSI at 55.78 is Neutral, neither overbought nor oversold. The STOCH value of 50.69 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive 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 |
|---|---|---|---|---|---|---|---|
84 Outperform | $731.41M | 5.39 | 27.40% | 0.29% | 40.09% | 327.11% | |
83 Outperform | $659.19M | 14.42 | 12.47% | 0.80% | 7.25% | 22.64% | |
80 Outperform | $565.75M | 11.69 | 10.65% | 1.74% | 2.06% | 14.90% | |
77 Outperform | $481.39M | 11.42 | 16.48% | 2.18% | -0.23% | -6.18% | |
76 Outperform | $595.15M | 10.62 | 14.75% | 1.88% | 6.56% | 16.72% | |
71 Outperform | $509.51M | 9.34 | 11.72% | 3.51% | 35.31% | 190.27% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
* Financial Sector Average
BSVN
Bank7
50.60
7.64
17.79%
FBIZ
First Business Financial
70.43
23.97
51.58%
HBCP
Home Bancorp
70.63
20.86
41.90%
CARE
Carter Bankshares
31.72
14.33
82.40%
RRBI
Red River Bancshares
100.68
39.66
64.99%
COFS
ChoiceOne Financial Services
34.00
6.12
21.94%
Bank7 Corporate Events
Business Operations and StrategyM&A Transactions
Bank7 to Acquire Majority Stake in Century Financial
Positive
Jul 2, 2026
On July 1, 2026, Bank7 Corp. entered into a definitive stock purchase agreement to buy approximately 71% of Century Financial Services Corporation’s common shares from a court‑appointed receiver for $68 million, subject to a court̴...
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 ...
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.