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Bank7
(NASDAQ:BSVN)
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Rating:75Outperform
Price Target:
$62.00
▲(19.41% Upside)
Action:Reiterated
Date:10/15/26
BSVN scores well primarily on financial performance, supported by strong profitability, conservative leverage (debt reported as zero), and solid free cash flow quality, though tempered by recent TTM revenue decline. The earnings call adds support via constructive merger synergy expectations and loan growth outlook, while technicals are neutral-to-mildly positive and valuation appears reasonable with a modest dividend yield.
Positive Factors
Strong profitability and earnings quality
Strong net and operating margins indicate substantial earnings power in the core banking model. Combined with healthy returns on equity, this profitability gives Bank7 greater capacity to absorb credit costs, invest in expansion, and sustain performance over the next several quarters.
Negative Factors
Recent revenue contraction
The recent top-line decline shows that strong margins have not been accompanied by sustained revenue expansion. If the contraction persists, it could limit operating leverage, reduce capacity for balance-sheet growth, and make future earnings increasingly dependent on maintaining current profitability.
Read all positive and negative factors
Positive Factors
Negative Factors
Strong profitability and earnings quality
Strong net and operating margins indicate substantial earnings power in the core banking model. Combined with healthy returns on equity, this profitability gives Bank7 greater capacity to absorb credit costs, invest in expansion, and sustain performance over the next several quarters.
Read all positive factors
Bank7 (BSVN) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$549.83M
Dividend Yield1.92%
Average Volume (3M)50.29K
Price to Earnings (P/E)13.3
Beta (1Y)0.67
Revenue Growth-1.46%
EPS Growth-5.48%
CountryUS
Employees125
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)4.43
Shares Outstanding9,525,856
10 Day Avg. Volume42,935
30 Day Avg. Volume50,287
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 Cap0.45
Enterprise Value/Revenue1.84
Enterprise Value/Gross Profit2.63
Enterprise Value/Ebitda4.36
Forecast
1Y Price Target
$65.50Price Target Upside26.16% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)4.44
Revenue Forecast (FY)$96.86M
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:Oct 15, 2026
(Q3-2026)
| % Change Since: |
Next Earnings Date:Jan 22, 2027
Earnings Call Sentiment Positive
The call was predominantly positive. Management emphasized strong loan growth despite more than $130 million of payoffs, strong and consistent NIM, significant deposit growth, favorable operating markets, and confidence in the strategic and funding benefits of the pending Century merger. The main challenges were elevated loan payoffs, persistent competition, merger-related expenses and integration timing, and uncertainty around purchase-accounting marks.Positive Updates
Strong Quarter and Consistent Execution
Management described the third quarter as a really great quarter, citing consistent top-tier results and strong execution while simultaneously working to close the Century acquisition.
Negative Updates
Substantial Loan Paydowns
The company experienced substantial unscheduled loan paydowns from large customers, with total payoffs exceeding $130 million in the quarter following reasonably significant payoffs in the second quarter.
Read all updates
Q3-2026 Updates
Positive
Negative
Strong Quarter and Consistent Execution
Management described the third quarter as a really great quarter, citing consistent top-tier results and strong execution while simultaneously working to close the Century acquisition.
Read all positive updates
Company Guidance
Management said the Century deal is currently viewed as “neutral to our margin,” with some to all of Century’s bonds potentially sold; depending on when those sales occur, margin could be “more accretive” or “more neutral.” Assuming a rate hike in Q4, Bank7 expects loan beta in the “65% to 70% range” versus close to 60% in the quarter, while deposit beta was around 52% and management assumed less going forward. Company-wide loan growth is expected at “a 5%, mid-single digit to low double digit” rate, with no day 1 plan to run off loan balances. Management expects “at least 75% or 80%” of cost savings in the first quarter, described as “75/25, 75% cost savings to be achieved right away,” expects noninterest expense to be “well south of 2%” versus about 2.05%, and said conversion is expected in July; Bank7 generally will not operate much below 80% loan-to-deposit, though it may “sneak up to that 95% level.”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
51.92
Price Trends
54.24
Positive
51.30
Positive
46.66
Positive
Market Momentum
1.01
Negative
69.30
Neutral
78.72
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 51.92 is below the 20-day moving average (MA) of 55.96, below the 50-day MA of 54.24, and above the 200-day MA of 46.66, indicating a bullish trend. The MACD of 1.01 indicates Negative momentum. The RSI at 69.30 is Neutral, neither overbought nor oversold. The STOCH value of 78.72 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 25 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 |
|---|---|---|---|---|---|---|---|
76 Outperform | $594.15M | 10.69 | 14.75% | 1.85% | 6.56% | 16.72% | |
76 Outperform | $528.62M | 12.17 | 13.95% | 1.21% | 9.03% | 108.77% | |
76 Outperform | $659.60M | 11.76 | 13.85% | 1.24% | 11.76% | 26.80% | |
75 Outperform | $549.83M | 13.27 | 15.74% | 1.92% | -1.46% | -5.48% | |
71 Outperform | $566.00M | 9.20 | 16.83% | 1.13% | 9.90% | 14.13% | |
69 Neutral | $568.97M | 12.14 | 10.39% | ― | 8.99% | 52.74% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
* Financial Sector Average
BSVN
Bank7
58.80
17.00
40.68%
FBIZ
First Business Financial
72.50
23.85
49.03%
SFST
Southern First Bancshares
61.24
19.26
45.88%
UNTY
Unity Bancorp
58.11
11.11
23.64%
BWFG
Bankwell Financial Group
67.03
23.82
55.14%
CBNK
Capital Bancorp
41.19
12.20
42.10%
Bank7 Corporate Events
Business Operations and StrategyM&A TransactionsRegulatory Filings and ComplianceShareholder Meetings
Bank7 moves forward with Century merger approvals
Positive
Oct 9, 2026
Bank7 Corp. and Century Financial Services Corporation entered into a merger agreement dated September 16, 2026, under which Century will merge into Bank7 Corp. On October 9, 2026, Century’s shareholders approved the merger agreement at a sp...
Business Operations and StrategyM&A TransactionsPrivate Placements and Financing
Bank7 announces merger agreement with Century Financial Services
Positive
Sep 17, 2026
On September 16, 2026, Bank7 Corp. entered into a definitive merger agreement to acquire Century Financial Services Corporation, replacing an earlier plan to buy a controlling stake through a receivership stock purchase but keeping that option in ...
Legal ProceedingsM&A TransactionsRegulatory Filings and Compliance
Bank7 Raises Bid in Century Financial Acquisition Deal
Positive
Sep 10, 2026
On July 1, 2026, Bank7 Corp. agreed to purchase 237,136 shares and other receivership-related shares of Century Financial Services Corporation, representing about 71% of Century’s outstanding common stock, for $68 million, subject to a court...
Business Operations and StrategyLegal ProceedingsM&A Transactions
Bank7 Wins Auction to Acquire Century Financial Stake
Positive
Sep 3, 2026
On September 3, 2026, Bank7 Corp. was named the successful bidder in a court‑supervised auction to acquire roughly 71% of Century Financial Services Corporation, gaining a controlling interest in the Santa Fe-based bank holding company. The ...
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.