Bank7 (BSVN) AI Stock Analysis

• Market Cap: $467.35M
• Dividend Yield: 1.94%
• Average Volume (3M): 25.73K
• Price to Earnings (P/E): 10.7
• Beta (1Y): 0.97
• Revenue Growth: -2.96%
• EPS Growth: 37.09%
• Country: US
• Employees: 124
• Sector: Financial
• Sector Strength: 74
• Industry: Banks - Regional
• EPS (TTM): 1.16
• Shares Outstanding: 9,450,979
• 10 Day Avg. Volume: 24,443
• 30 Day Avg. Volume: 25,725
• PEG Ratio: 0.16
• Price to Book (P/B): 2.03
• Price to Sales (P/S): 3.04
• P/FCF Ratio: 8.52
• Enterprise Value/Market Cap: 0.39
• Enterprise Value/Revenue: 1.29
• Enterprise Value/Gross Profit: 1.88
• Enterprise Value/Ebitda: 3.00
• 1Y Price Target: $53.50
• Price Target Upside: 8.19% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 2

• Rating: 75 Outperform
• Price Target: ―

Bank7's overall stock score is driven by its robust financial performance, characterized by strong profitability and zero debt, positioning it well in the regional banking sector. The stock appears undervalued with a low P/E ratio and reasonable dividend yield. Technical indicators suggest some caution with potential downward trends, while the earnings call reflects prudent management amid macroeconomic uncertainties. Overall, Bank7 is a solid investment with potential for future growth, tempered by current market conditions.

Bank7 Business Overview & Revenue Model

Company Description

Bank7 (BSVN) is a publicly traded financial institution based in the United States that provides a wide range of banking and financial services. The bank primarily serves individual customers, small to medium-sized businesses, and commercial entities. Its core offerings include personal and business banking solutions, such as checking and savings accounts, loans and credit products, as well as treasury management and mortgage services.

How the Company Makes Money

Bank7 makes money through various revenue streams within the banking sector. The primary source of revenue is the interest income earned from loans and credit products offered to customers, which includes personal loans, business loans, and mortgages. Additionally, the bank generates income from service fees associated with account maintenance, transaction services, and other banking activities. Bank7 also earns revenue through investment activities, including the interest and dividends from securities it holds. Partnerships with other financial service providers may contribute to its income through collaborative offerings or referral fees. Overall, the bank's profitability is driven by its ability to manage interest rate spreads, attract and retain customers, and maintain operational efficiency.

Bank7 Financial Statement Overview

Summary

Bank7 exhibits strong financial health across all verticals, with significant revenue and profitability growth, zero debt, and a robust cash flow position. The consistent improvement in key metrics highlights effective management and strategic positioning in the banking industry. While some fluctuations in financing activities and the equity funding structure could be optimized further, the overall financial performance is commendable and positions the company well for future opportunities.

Income Statement

Bank7 has shown a consistent growth trajectory in total revenue, with a notable increase from $43.48 million in 2019 to $131.54 million in 2024. Gross profit margin remains strong at 100% due to the nature of banking. The net profit margin improved significantly from 18.87% in 2019 to 34.74% in 2024. The revenue growth rate is also impressive, with a 10.02% increase from 2020 to 2021, further indicating robust performance. EBIT and EBITDA margins are solid, reflecting efficiency in operations. Overall, the income statement demonstrates strong profitability and growth, although the absence of EBITDA in 2024 slightly detracts from the comprehensive analysis.

Balance Sheet

Bank7's balance sheet is characterized by strong equity growth, with stockholders' equity rising from $100.13 million in 2019 to $213.21 million in 2024. The debt-to-equity ratio is favorable at 0, indicating no debt burden. The equity ratio improved from 11.56% in 2019 to 12.25% in 2024, suggesting a stable financial structure. Return on equity has also increased, showcasing enhanced profitability per equity dollar. While the low leverage is a strength, the relatively low equity ratio may indicate potential room for improving asset funding through equity.

Cash Flow

The cash flow statement of Bank7 reveals a positive trend in operating cash flow, increasing from $19.18 million in 2019 to $55.05 million in 2024. Free cash flow growth is strong, although capital expenditures are minimal. The operating cash flow to net income ratio is favorable, suggesting efficient cash generation from operations. However, fluctuations in financing cash flow, especially in recent years, highlight potential volatility in external funding activities. Despite this, solid free cash flow indicates good liquidity management.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	139.69M	142.79M	130.79M	81.69M	58.54M	54.98M
Gross Profit	96.03M	97.45M	70.64M	67.90M	51.31M	43.48M
EBITDA	60.20M	61.41M	38.52M	40.66M	31.95M	26.98M
Net Income	44.75M	45.70M	28.27M	29.64M	23.16M	19.27M
Balance Sheet
Total Assets	1.79B	1.74B	1.77B	1.58B	1.35B	1.02B
Cash, Cash Equivalents and Short-Term Investments	313.13M	273.14M	338.41M	287.75M	283.40M	170.31M
Total Debt	0.00	1.87M	0.00	0.00	0.00	0.00
Total Liabilities	1.56B	1.53B	1.60B	1.44B	1.22B	909.35M
Stockholders Equity	221.66M	213.21M	170.33M	144.10M	127.41M	107.32M
Cash Flow
Free Cash Flow	39.27M	50.85M	46.29M	39.42M	29.36M	24.80M
Operating Cash Flow	45.52M	55.05M	49.13M	39.71M	29.95M	25.23M
Investing Cash Flow	37.73M	80.16M	-130.86M	-342.77M	-43.49M	-119.61M
Financing Cash Flow	-35.90M	-82.05M	153.66M	207.32M	64.49M	131.15M

Bank7 Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 49.45
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Negative
• STOCH: Negative

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 49.45 is above the 20-day moving average (MA) of 45.62, above the 50-day MA of 44.74, and above the 200-day MA of 41.90, indicating a bullish trend. The MACD of 1.19 indicates Negative momentum. The RSI at 70.95 is Negative, neither overbought nor oversold. The STOCH value of 93.23 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for BSVN.

Bank7 Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
FRBA	80 Outperform	$418.74M	10.95	9.40%	1.44%	11.18%	24.61%
BSVN	75 Outperform	$467.35M	10.65	20.97%	1.94%	-2.96%	37.09%
RRBI	72 Outperform	$434.65M	11.53	12.02%	0.63%	9.09%	23.58%
CARE	71 Outperform	$439.57M	14.27	8.06%	―	9.18%	153.68%
Sector *	68 Neutral	$17.69B	11.82	10.30%	3.73%	9.66%	0.42%
BMRC	63 Neutral	$393.30M	55.69	1.58%	4.07%	23.26%	―
MSBI	60 Neutral	$398.62M	10.95	-16.46%	6.73%	14.49%	-379.97%

Bank7 Corporate Events

Bank7 Reports Q1 2025 Financial Results

On April 10, 2025, Bank7 Corp. announced its financial results for the first quarter of 2025, reporting a net income of $10.3 million, a decrease from the previous year’s $11.3 million. Despite the decline in net income and earnings per share, the company maintained strong capital levels, with significant increases in total assets and loans. Bank7 remains well-capitalized, with robust capital ratios, and is prepared to navigate potential economic disruptions while continuing to build capital.

Spark’s Take on BSVN Stock

According to Spark, TipRanks’ AI Analyst, BSVN is a Outperform.

Bank7’s overall score reflects strong financial fundamentals and record performance, tempered by current technical analysis indicating negative momentum. The company’s undervaluation and positive corporate events offer upside potential, albeit with some caution due to market conditions.

To see Spark’s full report on BSVN stock, click here.