BSVN Stock Overview
Bank7 Corp. operates as a bank holding company for Bank7 that provides banking and financial services to individual and corporate customers.
Price History & Performance
|Historical stock prices|
|Current Share Price||US$22.36|
|52 Week High||US$27.28|
|52 Week Low||US$17.51|
|1 Month Change||-7.53%|
|3 Month Change||-5.93%|
|1 Year Change||24.92%|
|3 Year Change||25.62%|
|5 Year Change||n/a|
|Change since IPO||17.13%|
Recent News & Updates
|BSVN||US Banks||US Market|
Return vs Industry: BSVN exceeded the US Banks industry which returned -20.1% over the past year.
Return vs Market: BSVN exceeded the US Market which returned -21.7% over the past year.
|BSVN Average Weekly Movement||6.7%|
|Banks Industry Average Movement||3.8%|
|Market Average Movement||8.1%|
|10% most volatile stocks in US Market||16.9%|
|10% least volatile stocks in US Market||3.2%|
Stable Share Price: BSVN is not significantly more volatile than the rest of US stocks over the past 3 months, typically moving +/- 7% a week.
Volatility Over Time: BSVN's weekly volatility (7%) has been stable over the past year.
About the Company
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.
Bank7 Fundamentals Summary
|BSVN fundamental statistics|
Is BSVN overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|BSVN income statement (TTM)|
|Cost of Revenue||US$0|
Last Reported Earnings
Mar 31, 2022
Next Earnings Date
|Earnings per share (EPS)||2.66|
|Net Profit Margin||44.44%|
How did BSVN perform over the long term?See historical performance and comparison
2.1%Current Dividend Yield
Is BSVN undervalued compared to its fair value, analyst forecasts and its price relative to the market?
Valuation Score 6/6
Price-To-Earnings vs Peers
Price-To-Earnings vs Industry
Price-To-Earnings vs Fair Ratio
Below Fair Value
Significantly Below Fair Value
Key Valuation Metric
Which metric is best to use when looking at relative valuation for BSVN?
Other financial metrics that can be useful for relative valuation.
|What is BSVN's n/a Ratio?|
Price to Earnings Ratio vs Peers
How does BSVN's PE Ratio compare to its peers?
|BSVN PE Ratio vs Peers|
|Company||PE||Estimated Growth||Market Cap|
CSHX Cashmere Valley Bank
ISTR Investar Holding
BWFG Bankwell Financial Group
CHMG Chemung Financial
Price-To-Earnings vs Peers: BSVN is good value based on its Price-To-Earnings Ratio (8.4x) compared to the peer average (10.5x).
Price to Earnings Ratio vs Industry
How does BSVN's PE Ratio compare vs other companies in the US Banks Industry?
Price-To-Earnings vs Industry: BSVN is good value based on its Price-To-Earnings Ratio (8.4x) compared to the US Banks industry average (9.5x)
Price to Earnings Ratio vs Fair Ratio
What is BSVN's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.
|Current PE Ratio||8.4x|
|Fair PE Ratio||12.9x|
Price-To-Earnings vs Fair Ratio: BSVN is good value based on its Price-To-Earnings Ratio (8.4x) compared to the estimated Fair Price-To-Earnings Ratio (12.9x).
Share Price vs Fair Value
What is the Fair Price of BSVN when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.
Below Fair Value: BSVN ($22.36) is trading below our estimate of fair value ($84.8)
Significantly Below Fair Value: BSVN is trading below fair value by more than 20%.
Price to Earnings Growth Ratio
PEG Ratio: BSVN is good value based on its PEG Ratio (0.6x)
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How is Bank7 forecast to perform in the next 1 to 3 years based on estimates from 2 analysts?
Future Growth Score2/6
Future Growth Score 2/6
Earnings vs Savings Rate
Earnings vs Market
High Growth Earnings
Revenue vs Market
High Growth Revenue
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: BSVN's forecast earnings growth (13.2% per year) is above the savings rate (1.9%).
Earnings vs Market: BSVN's earnings (13.2% per year) are forecast to grow slower than the US market (13.6% per year).
High Growth Earnings: BSVN's earnings are forecast to grow, but not significantly.
Revenue vs Market: BSVN's revenue (14.2% per year) is forecast to grow faster than the US market (8.2% per year).
High Growth Revenue: BSVN's revenue (14.2% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: Insufficient data to determine if BSVN's Return on Equity is forecast to be high in 3 years time
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How has Bank7 performed over the past 5 years?
Past Performance Score4/6
Past Performance Score 4/6
Growing Profit Margin
Earnings vs Industry
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: BSVN has high quality earnings.
Growing Profit Margin: BSVN's current net profit margins (44.4%) are higher than last year (44.2%).
Past Earnings Growth Analysis
Earnings Trend: BSVN's earnings have declined by 3.3% per year over the past 5 years.
Accelerating Growth: BSVN's earnings growth over the past year (25.5%) exceeds its 5-year average (-3.3% per year).
Earnings vs Industry: BSVN earnings growth over the past year (25.5%) exceeded the Banks industry 20.7%.
Return on Equity
High ROE: BSVN's Return on Equity (18.8%) is considered low.
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How is Bank7's financial position? (This company is analysed differently as a bank or financial institution)
Financial Health Score6/6
Financial Health Score 6/6
Allowance for Bad Loans
Low Risk Liabilities
Low Risk Deposits
Level of Bad Loans
Financial Position Analysis
Debt to Equity History and Analysis
Financial Institutions Analysis
Asset Level: BSVN's Assets to Equity ratio (11x) is moderate.
Allowance for Bad Loans: BSVN has a sufficient allowance for bad loans (110%).
Low Risk Liabilities: 99% of BSVN's liabilities are made up of primarily low risk sources of funding.
Loan Level: BSVN has an appropriate level of Loans to Assets ratio (74%).
Low Risk Deposits: BSVN's Loans to Deposits ratio (82%) is appropriate.
Level of Bad Loans: BSVN has an appropriate level of bad loans (0.9%).
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What is Bank7 current dividend yield, its reliability and sustainability?
Dividend Score 2/6
Future Dividend Coverage
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: BSVN's dividend (2.15%) is higher than the bottom 25% of dividend payers in the US market (1.61%).
High Dividend: BSVN's dividend (2.15%) is low compared to the top 25% of dividend payers in the US market (4.3%).
Stability and Growth of Payments
Stable Dividend: Whilst dividend payments have been stable, BSVN has been paying a dividend for less than 10 years.
Growing Dividend: BSVN's dividend payments have increased, but the company has only paid a dividend for 3 years.
Current Payout to Shareholders
Earnings Coverage: With its low payout ratio (17.2%), BSVN's dividend payments are well covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: Insufficient data to determine if a dividend will be paid in 3 years or that it will be covered by earnings.
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How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Tom Travis (64 yo)
Mr. Thomas L. Travis, also known as Tom, has been President, Chief Executive Officer and Director of Bank7 Corp. since 2018. Mr. Travis serves as President and Chief Executive Officer of Bank7 and has been...
CEO Compensation Analysis
Compensation vs Market: Tom's total compensation ($USD1.33M) is about average for companies of similar size in the US market ($USD1.79M).
Compensation vs Earnings: Tom's compensation has increased by more than 20% in the past year.
Experienced Management: BSVN's management team is considered experienced (4.4 years average tenure).
Experienced Board: BSVN's board of directors are considered experienced (4.4 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: BSVN insiders have sold more shares than they have bought in the past 3 months.
Recent Insider Transactions
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Bank7 Corp.'s employee growth, exchange listings and data sources
- Name: Bank7 Corp.
- Ticker: BSVN
- Exchange: NasdaqGS
- Founded: 1901
- Industry: Regional Banks
- Sector: Banks
- Implied Market Cap: US$203.446m
- Shares outstanding: 9.10m
- Website: https://www.bank7.com
Number of Employees
- Bank7 Corp.
- 1039 NW 63rd Street
- Oklahoma City
- United States
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2022/07/01 00:00|
|End of Day Share Price||2022/07/01 00:00|
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.