Bank7 (BSVN) AI Stock Analysis

• Market Cap: $384.56M
• Dividend Yield: 2.4%
• Average Volume (3M): 8.53K
• Price to Earnings (P/E): 9.0
• Beta (1Y): 0.78
• Revenue Growth: -6.72%
• EPS Growth: 19.64%
• Country: US
• Employees: 124
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 1.12
• 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: 0.36
• Enterprise Value/Revenue: 1.02
• Enterprise Value/Gross Profit: 1.46
• Enterprise Value/Ebitda: 2.40
• 1Y Price Target: $54.00
• Price Target Upside: 32.74% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 2
• EPS Forecast (FY): 4.19
• Revenue Forecast (FY): $97.09M

• Rating: 78 Outperform
• Price Target: $49.00 ▲(20.45% Upside)
• Action: Reiterated Date: 01/15/26
• Date: Action: Reiterated 01/15/26

The score is driven primarily by above-average financial strength (profitability, conservative balance sheet, and solid cash generation), supported by attractive valuation (low P/E with a dividend). Technicals are moderately positive but mixed, and the latest earnings call was constructive while highlighting meaningful NIM and growth-sustainability risks.

Positive Factors

Conservative Balance Sheet / Capital Build

A conservatively levered balance sheet with zero reported debt and steady equity accumulation provides lasting resilience. Strong capital cushions credit losses, supports regulatory well-capitalized status, funds organic loan growth, and gives strategic optionality for disciplined M&A without pressuring liquidity.

Strong Cash Generation

Free cash flow closely tracking earnings signals durable internal funding to support lending, dividends, and capital accumulation. Reliable cash conversion reduces dependence on external financing, enabling consistent balance-sheet growth and financial flexibility through economic cycles.

Disciplined Underwriting and Asset Quality

Consistent emphasis on disciplined underwriting and very strong asset quality lowers long-term credit costs and provisioning volatility. Superior credit performance sustains net income and supports conservative growth, allowing management to expand loans without materially increasing credit risk.

Negative Factors

Top-line Momentum Weakness

A marked TTM revenue decline signals structural top-line pressure that can erode operating leverage over several quarters. Even with strong margins, sustained revenue weakness constrains EPS growth, limits reinvestment capacity, and raises the bar for maintaining prior growth and margin levels.

Net Interest Margin Sensitivity

NIM is exposed to further rate easing: with a starting NIM near 4.45% and cost-of-funds around 2.40%, another sizeable cut would compress spreads and NII for months. Structural margin pressure would reduce core earnings power and force tougher pricing or balance-sheet rebalancing.

Deposit Competition and Funding Risk

Rising deposit rate sensitivity and falling noninterest-bearing share indicate persistent funding cost pressure. Over the medium term this can raise the bank's cost of funds, shrink NIM, and compel reliance on pricier time deposits or wholesale funding to sustain loan growth, hurting profitability.

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

Strong underlying quality: high profitability with consistently strong margins, conservative leverage (debt shown as zero) and steady equity growth, plus solid free-cash-flow generation close to earnings. Key risk is the sharp TTM revenue decline and some volatility/noise in operating cash flow coverage metrics.

Income Statement

Profitability is strong, with consistently high net profit margins (generally ~22%–42% across annual periods and ~33% in TTM (Trailing-Twelve-Months)). However, revenue momentum has turned volatile: after strong multi-year growth through 2024, TTM (Trailing-Twelve-Months) shows a sharp revenue decline (negative growth rate), and margins in TTM appear less reliable vs. prior annual consistency. Overall: high profitability profile, but near-term top-line trajectory is a key watch item.

Balance Sheet

The balance sheet screens conservatively levered based on the provided data, with total debt shown as zero and debt-to-equity near zero across periods. Equity has grown steadily (from ~$107M in 2020 to ~$213M in 2024 and ~$242M in TTM), supporting balance sheet resilience. Returns on equity remain strong (~17%–21%), though slightly softer in TTM versus the 2024 annual level—suggesting profitability may be normalizing even as capital builds.

Cash Flow

Cash generation is solid and generally tracks earnings well: free cash flow is consistently close to net income (roughly ~0.89–0.99 of net income, including ~0.89 in TTM (Trailing-Twelve-Months)). Free cash flow growth is positive in most years and very strong in TTM, supporting internal funding capacity. One caution: the operating cash flow coverage readings fluctuate widely across periods (including extremely high/low values), which signals volatility/noise in this metric and warrants monitoring rather than over-reliance.

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	286.16M	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: Negative
• Last Price: 40.68
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• RSI: Neutral
• STOCH: 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 40.68 is below the 20-day moving average (MA) of 43.95, below the 50-day MA of 43.34, and below the 200-day MA of 43.23, indicating a bearish trend. The MACD of -0.47 indicates Positive momentum. The RSI at 31.54 is Neutral, neither overbought nor oversold. The STOCH value of 23.09 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for BSVN.

Bank7 Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
BSVN	78 Outperform	$384.56M	9.04	19.46%	2.40%	-6.72%	19.64%
RRBI	78 Outperform	$599.31M	13.90	12.03%	0.73%	7.81%	26.91%
FBIZ	74 Outperform	$455.94M	9.19	15.02%	2.08%	8.21%	29.65%
HBCP	73 Outperform	$462.64M	10.07	10.86%	1.92%	6.25%	24.92%
CARE	72 Outperform	$460.29M	15.06	7.71%	―	6.62%	117.46%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
COFS	58 Neutral	$429.98M	14.24	6.16%	3.69%	50.36%	-56.64%

Bank7 Corporate Events

Bank7 posts Q4 results with solid balance sheet

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, alongside quarterly growth in total assets to $2.0 billion and total loans to $1.6 billion. For full-year 2025, net income fell 5.75% to $43.1 million and earnings per share declined 7.02% to $4.50 compared with 2024, yet the bank delivered double-digit annual growth in assets and loans, maintained strong pre-provision pre-tax earnings, and reported capital ratios comfortably above well-capitalized regulatory benchmarks, underscoring balance sheet strength and continued lending momentum for stakeholders.

The most recent analyst rating on (BSVN) stock is a Buy with a $46.00 price target. To see the full list of analyst forecasts on Bank7 stock, see the BSVN Stock Forecast page.

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.