Bank7 (BSVN) AI Stock Analysis

• Market Cap: $403.57M
• Dividend Yield: 2.4%
• Average Volume (3M): 8.53K
• Price to Earnings (P/E): 9.4
• Beta (1Y): 0.74
• Revenue Growth: -6.72%
• EPS Growth: 19.64%
• Country: US
• Employees: 124
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 1.14
• Shares Outstanding: 9,453,390
• 10 Day Avg. Volume: 11,062
• 30 Day Avg. Volume: 8,525
• 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: 0.50
• Enterprise Value/Revenue: 1.47
• Enterprise Value/Gross Profit: 2.11
• Enterprise Value/Ebitda: 3.46
• 1Y Price Target: $54.00
• Price Target Upside: 26.49% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 2
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 75 Outperform
• Price Target: $46.00 ▲(7.75% Upside)

The score is driven primarily by strong financial strength (profitability, conservative balance sheet, and solid cash generation) and attractive valuation (low P/E with a moderate dividend). The latest earnings call supports a generally positive operating outlook, but near-term risks—TTM revenue contraction and expected net interest margin compression—plus weak technical momentum temper the overall rating.

Positive Factors

Zero Debt

Operating without debt enhances financial flexibility and reduces risk, allowing Bank7 to allocate resources towards growth and strategic initiatives.

Strong Cash Flow

Robust cash flow growth indicates efficient operations and strong liquidity, enabling Bank7 to invest in opportunities and withstand economic fluctuations.

Dividend Increase

Increasing dividends reflect confidence in sustained profitability and commitment to returning value to shareholders, enhancing investor appeal.

Negative Factors

Revenue Decline

A decline in revenue growth can signal challenges in market expansion or competitive pressures, potentially impacting long-term financial performance.

Macro Uncertainty

Economic uncertainties can affect consumer sentiment and capital markets, posing risks to Bank7's growth and operational stability.

Share Buyback Strategy

Holding off on share buybacks may indicate caution in capital allocation, potentially limiting shareholder returns in the near term.

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 accounts; and retail deposit services, such as certificates of deposit, money market accounts, checking accounts, negotiable order of withdrawal accounts, savings accounts, and automated teller machine access. The company also provides commercial real estate, hospitality, energy, and commercial and industrial lending services; consumer lending services to individuals for personal and household purposes comprising secured and unsecured term loans, and home improvement loans. As of March 8, 2022, it operated through a network of twelve full-service branches in Oklahoma, the Dallas/Fort Worth, Texas metropolitan area, and Kansas. The company was formerly known as Haines Financial Corp.Bank7 Corp. was founded in 1901 and is headquartered in Oklahoma City, Oklahoma.

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	137.34M	142.79M	130.79M	81.69M	58.54M	54.98M
Gross Profit	95.71M	97.45M	70.64M	67.90M	51.31M	43.48M
EBITDA	58.40M	61.41M	38.52M	40.66M	31.95M	26.98M
Net Income	43.39M	45.70M	28.27M	29.64M	23.16M	19.27M
Balance Sheet
Total Assets	1.89B	1.74B	1.77B	1.58B	1.35B	1.02B
Cash, Cash Equivalents and Short-Term Investments	296.63M	273.14M	338.41M	287.75M	283.40M	170.31M
Total Debt	0.00	0.00	0.00	0.00	0.00	0.00
Total Liabilities	1.65B	1.53B	1.60B	1.44B	1.22B	909.35M
Stockholders Equity	241.74M	213.21M	170.33M	144.10M	127.41M	107.32M
Cash Flow
Free Cash Flow	45.21M	50.85M	46.29M	39.42M	29.53M	24.80M
Operating Cash Flow	50.17M	55.05M	49.13M	39.71M	30.13M	25.23M
Investing Cash Flow	-98.27M	80.16M	-130.86M	-342.77M	-43.49M	-119.61M
Financing Cash Flow	103.14M	-82.05M	153.66M	207.32M	64.31M	131.15M

Bank7 Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 42.69
• 50DMA: Positive
• 100DMA: Negative
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: 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 42.69 is above the 20-day moving average (MA) of 42.57, above the 50-day MA of 41.81, and above the 200-day MA of 41.95, indicating a bullish trend. The MACD of -0.11 indicates Negative momentum. The RSI at 54.43 is Neutral, neither overbought nor oversold. The STOCH value of 67.32 is Neutral, 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
RRBI	78 Outperform	$494.45M	12.00	12.03%	0.73%	7.81%	26.91%
FBIZ	76 Outperform	$462.16M	9.06	15.02%	2.08%	8.21%	29.65%
BSVN	75 Outperform	$403.57M	9.44	19.46%	2.40%	-6.72%	19.64%
CARE	75 Outperform	$448.59M	14.99	7.71%	―	6.62%	117.46%
HBCP	75 Outperform	$472.19M	10.53	10.86%	1.92%	6.25%	24.92%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
COFS	67 Neutral	$430.58M	20.64	6.16%	3.69%	50.36%	-56.64%

Bank7 Corporate Events

Bank7 Reports Mixed Q3 2025 Financial Results

On October 15, 2025, Bank7 Corp. announced its financial results for the third quarter ending September 30, 2025. The company reported a slight decrease in net income and earnings per share compared to the previous quarter, but saw an increase in total assets and loans. Despite these mixed results, Bank7 maintains robust capital levels, significantly above the minimum required for well-capitalized status, indicating strong financial health and potential for future growth.

The most recent analyst rating on (BSVN) stock is a Buy with a $52.00 price target. To see the full list of analyst forecasts on Bank7 stock, see the BSVN Stock Forecast page.