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Bank7

Nasdaq:BSVN
Snowflake Description

Flawless balance sheet and good value.

The Snowflake is generated from 30 checks in 5 different areas, read more below.
BSVN
Nasdaq
$182M
Market Cap
  1. Home
  2. US
  3. Banks
Company description

Bank7 Corp. operates as a bank holding company for Bank7 that provides banking and financial services to individual and corporate customers in Oklahoma, Kansas, and Texas. The last earnings update was 64 days ago. More info.


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BSVN Share Price and Events
7 Day Returns
-1.2%
NasdaqGS:BSVN
-1%
US Banks
0.6%
US Market
1 Year Returns
-
NasdaqGS:BSVN
-6.5%
US Banks
4.1%
US Market
BSVN Shareholder Return
  7 Day 30 Day 90 Day 1 Year 3 Year 5 Year
Bank7 (BSVN) -1.2% 5.4% 2.4% - - -
US Banks -1% 2.4% -1.5% -6.5% 44.7% 46%
US Market 0.6% 3.8% 2.8% 4.1% 37.3% 42.5%
1 Year Return vs Industry and Market
  • No trading data on BSVN.
  • No trading data on BSVN.
Price Volatility
Industry
5yr Volatility vs Market

BSVN Value

 Is Bank7 undervalued based on future cash flows and its price relative to the stock market?

Value is all about what a company is worth versus what price it is available for. If you went into a grocery store and all the bananas were on sale at half price, they could be considered undervalued.
INTRINSIC VALUE BASED ON FUTURE CASH FLOWS
Here we compare the current share price of Bank7 to its discounted cash flow analysis.value.

The discounted cash flow value is simply looking at what the company is worth today, based on estimates of how much money it is expected to make in the future.
Raw Data

Below are the data sources, inputs and calculation used to determine the intrinsic value for Bank7.

NasdaqGS:BSVN Discounted Cash Flow Data Sources
Data Point Source Value
Valuation Model Excess Returns Model
Stable EPS Median Return on Equity from the past 5 years.
= Stable Book Value * Return on Equity
= $11.53 * 30.6%
$3.53
Book Value of Equity per Share Weighted future Book Value estimates from 2 analysts. $11.53
Discount Rate (Cost of Equity) See below 7.5%
Perpetual Growth Rate 10-Year US Government Bond Rate 2.7%

An important part of a discounted cash flow is the discount rate, below we explain how it has been calculated.

Calculation of Discount Rate/ Cost of Equity for NasdaqGS:BSVN
Data Point Calculation/ Source Result
Risk-Free Rate 10-Year US Govt Bond Rate 2.7%
Equity Risk Premium S&P Global 6%
Banks Unlevered Beta Simply Wall St/ S&P Global 0.59
Re-levered Beta = Unlevered beta (1 + (1- tax rate) (Debt/Equity))
= 0.594 (1 + (1- 21%) (0%))
0.728
Levered Beta Levered Beta limited to 0.8 to 2.0
(practical range for a stable firm)
0.8
Discount Rate/ Cost of Equity = Cost of Equity = Risk Free Rate + (Levered Beta * Equity Risk Premium)
= 2.73% + (0.8 * 5.96%)
7.5%

Discounted Cash Flow Calculation for NasdaqGS:BSVN using Excess Returns Model Model

The calculations below outline how an intrinsic value for Bank7 is arrived at using the Excess Return Model. This approach is used for finance firms where free cash flow is difficult to estimate.

In the Excess Return Model the value of a firm can be written as the sum of capital invested currently in the firm and the present value of excess returns that the firm expects to make in the future.

The model is sensitive to the Return on Equity of the company versus the Cost of Equity, how these are calculated is detailed below the main calculation.

Note the calculations below are per share.

See our documentation to learn about this calculation.

NasdaqGS:BSVN Value of Excess Returns
Calculation Result
Excess Returns = (Stable Return on equity – Cost of equity) (Book Value of Equity per share)
= (30.6% – 7.5%) * $11.53)
$2.67
Terminal Value of Excess Returns = Excess Returns / (Cost of Equity - Expected Growth Rate)
= $2.67 / (7.5% - 2.73%)
$55.97
Value of Equity = Book Value per share + Terminal Value of Excess Returns
= $11.53 + $55.97
$67.5
NasdaqGS:BSVN Discount to Share Price
Calculation Result
Value per share (USD) From above. $67.50
Current discount Discount to share price of $17.86
= -1 x ($17.86 - $67.50) / $67.50
73.5%

Learn more about our DCF calculations in Simply Wall St’s analysis model .

Current Discount
Amount off the current price Bank7 is available for.
Intrinsic value
>50%
Share price is $17.86 vs Future cash flow value of $67.5
Current Discount Checks
For Bank7 to be considered undervalued it must be available for at least 20% below the current price. Less than 40% is even better.
  • Bank7's share price is below the future cash flow value, and at a moderate discount (> 20%).
  • Bank7's share price is below the future cash flow value, and at a substantial discount (> 40%).
PRICE RELATIVE TO MARKET
We can also value a company based on what the stock market is willing to pay for it. This is similar to the price of fruit (e.g. Mangoes or Avocados) increasing when they are out of season, or how much your home is worth.

The amount the stock market is willing to pay for Bank7's earnings, growth and assets is considered below, and whether this is a fair price.
Price based on past earnings
Are Bank7's earnings available for a low price, and how does this compare to other companies in the same industry?
Raw Data
NasdaqGS:BSVN PE (Price to Earnings) Ratio Data Sources
Data Point Source Value
Earnings Per Share * Company Filings (2019-03-31) in USD $2.69
NasdaqGS:BSVN Share Price ** NasdaqGS (2019-07-17) in USD $17.86
United States of America Banks Industry PE Ratio Median Figure of 593 Publicly-Listed Banks Companies 12.75x
United States of America Market PE Ratio Median Figure of 3,082 Publicly-Listed Companies 17.98x

* Trailing twelve months (TTM) annual GAAP earnings per share excluding extraordinary items.

** Primary Listing of Bank7.

NasdaqGS:BSVN PE (Price to Earnings) Ratio Calculation
Calculation Outcome
PE Ratio

= NasdaqGS:BSVN Share Price ÷ EPS (both in USD)

= 17.86 ÷ 2.69

6.64x

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Bank7 is good value based on earnings compared to the US Banks industry average.
  • Bank7 is good value based on earnings compared to the United States of America market.
Price based on expected Growth
Does Bank7's expected growth come at a high price?
Raw Data
NasdaqGS:BSVN PEG (Price to Earnings to Growth) Ratio Data Sources
Data Point Source Value
PE Ratio See PE Ratio Section 6.64x
Net Income Annual Growth Rate See Future Growth Section.
Line of Best Fit* through Consensus Estimate Earnings of 2 Analysts
-7.8%per year
United States of America Banks Industry PEG Ratio Median Figure of 270 Publicly-Listed Banks Companies 1.28x
United States of America Market PEG Ratio Median Figure of 2,122 Publicly-Listed Companies 1.59x

*Line of best fit is calculated by linear regression .

NasdaqGS:BSVN PEG (Price to Earnings to Growth) Ratio Calculation
Calculation Outcome
PEG Ratio

= PE Ratio ÷ Net Income Annual Growth Rate

= 6.64x ÷ -7.8%

-0.85x

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Bank7 earnings are not expected to grow next year, we can't assess if its growth is good value.
Price based on value of assets
What value do investors place on Bank7's assets?
Raw Data
NasdaqGS:BSVN PB (Price to Book) Ratio Data Sources
Data Point Source Value
Book Value per Share Company Filings (2019-03-31) in USD $9.20
NasdaqGS:BSVN Share Price * NasdaqGS (2019-07-17) in USD $17.86
United States of America Banks Industry PB Ratio Median Figure of 593 Publicly-Listed Banks Companies 1.2x
United States of America Market PB Ratio Median Figure of 5,241 Publicly-Listed Companies 1.81x
NasdaqGS:BSVN PB (Price to Book) Ratio Calculation
Calculation Outcome
PB Ratio

= NasdaqGS:BSVN Share Price ÷ Book Value per Share (both in USD)

= 17.86 ÷ 9.20

1.94x

* Primary Listing of Bank7.

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Bank7 is overvalued based on assets compared to the US Banks industry average.
X
Value checks
We assess Bank7's value by looking at:
  1. Is the discounted cash flow value less than 20%, or 40% of the share price? (2 checks) ( Click here or on bar chart for details of DCF calculation. )
  2. Is the PE ratio less than the market average, and/ or less than the Banks industry average (and greater than 0)? (2 checks)
  3. Is the PEG ratio within a reasonable range (0 to 1)? (1 check)
  4. Is the PB ratio less than the Banks industry average (and greater than 0)? (1 check)
  5. Bank7 has a total score of 4/6, see the detailed checks below.

    Note: We use GAAP Earnings per Share in all our calculations including PE and PEG Ratio.

    Full details on the Value part of the Simply Wall St company analysis model.

BSVN Future Performance

 How is Bank7 expected to perform in the next 1 to 3 years based on estimates from 2 analysts?

The future performance of a company is measured in the same way as past performance, by looking at estimated growth and how much profit it is expected to make.

Future estimates come from professional analysts. Just like forecasting the weather, they don’t always get it right!
Annual Growth Rate
-7.8%
Expected annual growth in earnings.
Earnings growth vs Low Risk Savings
Is Bank7 expected to grow at an attractive rate?
  • Bank7's earnings are expected to decrease over the next 1-3 years, this is below the low risk savings rate of 2.7%.
Growth vs Market Checks
  • Bank7's earnings are expected to decrease over the next 1-3 years, this is below the United States of America market average.
  • Bank7's revenue growth is positive but not above the United States of America market average.
Annual Growth Rates Comparison
Raw Data
NasdaqGS:BSVN Future Growth Rates Data Sources
Data Point Source Value (per year)
NasdaqGS:BSVN Future Earnings Growth Rate Line of Best Fit* through Consensus Estimate Earnings of 2 Analysts -7.8%
NasdaqGS:BSVN Future Revenue Growth Rate Line of Best Fit* through Consensus Estimate Revenue of 2 Analysts 5%
United States of America Banks Industry Earnings Growth Rate Market Cap Weighted Average 2.7%
United States of America Banks Industry Revenue Growth Rate Market Cap Weighted Average 3.8%
United States of America Market Earnings Growth Rate Market Cap Weighted Average 14.1%
United States of America Market Revenue Growth Rate Market Cap Weighted Average 7.4%

*Line of best fit is calculated by linear regression .

Industry and Market average data is calculated daily.

Learn more about our growth rate calculations in Simply Wall St’s analysis model.

Analysts growth expectations
Raw Data
NasdaqGS:BSVN Analysts Growth Expectations Data Sources
Data Point Source Value
Past Financials Company Filings (3 months ago) See Below
Future Estimates Average of up to 2 Analyst Estimates (S&P Global) See Below
All numbers in USD Millions and using Trailing twelve months (TTM) annual period rather than quarterly.
NasdaqGS:BSVN Future Estimates Data
Date (Data in USD Millions) Revenue Cash Flow Net Income * Avg. No. Analysts
2020-12-31 45 20 2
2019-12-31 42 19 2
NasdaqGS:BSVN Past Financials Data
Date (Data in USD Millions) Revenue Cash Flow Net Income *
2019-03-31 41 27 24
2018-12-31 41 27 25
2018-09-30 39 25 24
2018-06-30 38 24 23
2018-03-31 38 26 24
2017-12-31 38 26 24
2016-12-31 30 19 17

*GAAP earnings excluding extraordinary items.

Super high growth metrics
High Growth Checks
  • Bank7's earnings are expected to decrease over the next 1-3 years, this is not considered high growth.
  • Bank7's revenue is expected to grow by 5% yearly, however this is not considered high growth (20% yearly).
Past and Future Earnings per Share
The accuracy of the analysts who estimate the future performance data can be gauged below. We look back 3 years and see if they were any good at predicting what actually occurred. We also show the highest and lowest estimates looking forward to see if there is a wide range.
Raw Data
NasdaqGS:BSVN Past and Future Earnings per Share
Data Point Source Value
Past Financials Company Filings (3 months ago) See Below
Future Estimates Average of up to 2 Analyst Estimates (S&P Global) See Below

All data from Bank7 Company Filings, last reported 3 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

NasdaqGS:BSVN Future Estimates Data
Date (Data in USD Millions) EPS * EPS High Estimate EPS Low Estimate Avg. No. Analysts
2020-12-31 1.97 2.02 1.90 3.00
2019-12-31 1.90 1.92 1.87 3.00
NasdaqGS:BSVN Past Financials Data
Date (Data in USD Millions) EPS *
2019-03-31 2.69
2018-12-31 3.08
2018-09-30 3.26
2018-06-30 3.19
2018-03-31 3.23
2017-12-31 3.26
2016-12-31 2.31

*GAAP earnings excluding extraordinary items.

Performance in 3 years
In the same way as past performance we look at the future estimated return (profit) compared to the available funds. We do this looking forward 3 years.
  • Unable to establish if Bank7 will efficiently use shareholders’ funds in the future without estimates of Return on Equity.
X
Future performance checks
We assess Bank7's future performance by looking at:
  1. Is the annual earnings growth rate expected to beat the low risk savings rate, plus a premium to keep pace with inflation?
  2. Is the annual earnings growth rate expected to beat the average growth rate in earnings of the United States of America market? (1 check)
  3. Is the annual revenue growth rate expected to beat the average growth rate in revenue of the United States of America market? (1 check)
  4. Is the annual earnings growth rate expected to be above 20%? (1 check)
  5. Is the annual revenue growth rate expected to be above 20%? (1 check)
  6. Is the Return on Equity in 3 years expected to be over 20%? (1 check)
Some of the above checks will fail if the company is expected to be loss making in the relevant year.
Bank7 has a total score of 0/6, see the detailed checks below.

Note 1: We use GAAP Net Income Excluding Exceptional Items for our Earnings in all our calculations.

Full details on the Future part of the Simply Wall St company analysis model.

BSVN Past Performance

  How has Bank7 performed over the past 5 years?

The past performance of a company can be measured by how much growth it has experienced and how much profit it makes relative to the funds and assets it has available.
Past earnings growth
Below we compare Bank7's growth in the last year to its industry (Banks).
Past Earnings growth analysis
We also check if the company has grown in the past 5 years, and whether it has maintained that growth in the year.
  • Insufficient data to establish if Bank7's year on year earnings growth rate was positive over the past 5 years.
  • Unable to compare Bank7's 1-year earnings growth to the 5-year average due to insufficient past data.
  • Bank7's earnings growth has not exceeded the US Banks industry average in the past year (0.9% vs 40.8%).
Earnings and Revenue History
Bank7's revenue and profit over the past 5 years is shown below, any years where they have experienced a loss will show up in red.
Raw Data

All data from Bank7 Company Filings, last reported 3 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

NasdaqGS:BSVN Past Revenue, Cash Flow and Net Income Data
Date (Data in USD Millions) Revenue Net Income * G+A Expenses R&D Expenses
2019-03-31 41.31 23.77 12.70
2018-12-31 40.76 25.00 12.63
2018-09-30 38.55 24.01 12.71
2018-06-30 38.12 23.25 12.61
2018-03-31 38.33 23.56 12.47
2017-12-31 38.32 23.79 12.14
2016-12-31 29.94 16.82 10.49

*GAAP earnings excluding extraordinary items.

Performance last year
We want to ensure a company is making the most of what it has available. This is done by comparing the return (profit) to a company's available funds, assets and capital.
  • Bank7 has efficiently used shareholders’ funds last year (Return on Equity greater than 20%).
  • Bank7 used its assets more efficiently than the US Banks industry average last year based on Return on Assets.
  • Unable to establish if Bank7 improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.
X
Past performance checks
We assess Bank7's performance over the past 5 years by checking for:
  1. Has earnings increased in past 5 years? (1 check)
  2. Has the earnings growth in the last year exceeded that of the Banks industry? (1 check)
  3. Is the recent earnings growth over the last year higher than the average annual growth over the past 5 years? (1 check)
  4. Is the Return on Equity (ROE) higher than 20%? (1 check)
  5. Is the Return on Assets (ROA) above industry average? (1 check)
  6. Has the Return on Capital Employed (ROCE) increased from 3 years ago? (1 check)
The above checks will fail if the company has reported a loss in the most recent earnings report. Some checks require at least 3 or 5 years worth of data.
Bank7 has a total score of 2/6, see the detailed checks below.

Note: We use GAAP Net Income excluding extraordinary items in all our calculations.

Full details on the Past part of the Simply Wall St company analysis model.

BSVN Health

 How is Bank7's financial position? (This company is analysed differently as a bank or financial institution)

This company is a bank or financial institution.

Fundamentally a bank's business is based upon borrowing and lending money, for this reason they typically have high levels of debt and we analyse them differently.
Net Worth
Balance sheet
This treemap shows a more detailed breakdown of Bank7's finances. If any of them are yellow this indicates they may be out of proportion and red means they relate to one of the checks below.
Assets
Liabilities and shares
The 'shares' portion represents any funds contributed by the owners (shareholders) and any profits.
Historical Debt
Nearly all companies have debt. Debt in itself isn’t bad, however if the debt is too high, or the company can’t afford to pay the interest on its debts this may have impacts in the future.

The graphic below shows equity (available funds) and debt, we ideally want to see the red area (debt) decreasing.

If there is any debt we look at the companies capability to repay it, and whether the level has increased over the past 5 years.
Raw Data

All data from Bank7 Company Filings, last reported 3 months ago.

NasdaqGS:BSVN Past Debt and Equity Data
Date (Data in USD Millions) Total Equity Total Debt Cash & Short Term Investments
2019-03-31 93.75 0.00 172.13
2018-12-31 88.47 0.00 143.75
2018-09-30 82.77 0.00 140.62
2018-06-30 77.55 4.80 116.82
2018-03-31 75.52 4.80 122.78
2017-12-31 69.18 5.60 130.22
2016-12-31 55.14 6.40 103.67
BANK ANALYSIS

This company is a bank or financial institution, which is analysed accordingly below.

Below we check the amount of loans the bank has, how many of those are bad, and its ability to cover any bad loans.
  • Bank7 has an acceptable proportion of non-loan assets held.
  • Bank7's liabilities are made up of primarily low risk sources of funding.
  • Loans at Bank7 are broadly funded by customer deposits.
  • Bank7's level of assets compared to its equity is low (i.e. an appropriate level of borrowing to fund lending).
  • Bank7 has a sufficient allowance for bad loans.
  • Bank7 has an acceptable level of bad loans (less than 2%).
X
Financial health checks
We assess Bank7's financial health by checking for:
  1. Are short term assets greater than short term liabilities? (1 check)
  2. Are short term assets greater than long term liabilities? (1 check)
  3. Has the debt to equity ratio increased in the past 5 years? (1 check)
  4. Is the debt to equity ratio over 40%? (1 check)
  5. Is the debt covered by operating cash flow? (1 check)
  6. Are earnings greater than 5x the interest on debt (if company pays interest at all)? (1 check)
  7. Bank7 has a total score of 6/6, see the detailed checks below.
For companies that are loss making and have been so on average in the past we replace the last 2 checks with:
  1. Does cash and short term investments cover stable operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)
  2. Does cash and short term investments cover growing operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)


Full details on the Health part of the Simply Wall St company analysis model.

BSVN Dividends

 What is Bank7's current dividend yield, its reliability and sustainability?

Dividends are regular cash payments to you from the company, similar to a bank paying you interest on a savings account.
Annual Dividend Income
Dividend payments
0%
Current annual income from Bank7 dividends. Estimated to be 0% next year.
If you bought $2,000 of Bank7 shares you are expected to receive $0 in your first year as a dividend.
Dividend Amount
Here we look how much dividend is being paid, if any. Is it above what you can get in a savings account? It is up there with the best dividend paying companies?
  • Unable to evaluate Bank7's dividend yield against the bottom 25% of dividend payers as the company has not reported any payouts.
  • Unable to evaluate Bank7's dividend against the top 25% market benchmark as the company has not reported any payouts.
Annualized Historical and Future Dividends
It is important to see if the dividend for a company is stable, and not wildly increasing/decreasing each year. This graph shows you the historical rate to count toward your assessment of the stock.

We also check to see if the dividend has increased in the past 10 years.
Raw Data
NasdaqGS:BSVN Annualized Past and Future Dividends
Data Point Source Value
Past Annualized Dividend Yield S&P Global Market Data See Below
Past Dividends per Share Company Filings/ Annualized Dividend Payments See Below
Future Dividends per Share Estimates Average of up to 2 Analyst Estimates (S&P Global) See Below
United States of America Banks Industry Average Dividend Yield Market Cap Weighted Average of 479 Stocks 3%
United States of America Market Average Dividend Yield Market Cap Weighted Average of 2017 Stocks 2.4%
United States of America Minimum Threshold Dividend Yield 10th Percentile 0.8%
United States of America Bottom 25% Dividend Yield 25th Percentile 1.4%
United States of America Top 25% Dividend Yield 75th Percentile 3.7%

Industry and Market average data is calculated daily.

Note all dividend per share amounts are annualized and not quarterly or other period.

NasdaqGS:BSVN Future Dividends Estimate Data
Date (Data in $) Dividend per Share (annual) Avg. No. Analysts
2020-12-31 0.00 2.00
2019-12-31 0.00 2.00
NasdaqGS:BSVN Past Annualized Dividends Data
Date (Data in $) Dividend per share (annual) Avg. Yield (%)
2019-05-15 0.000 0.000
2019-04-30 0.000 0.000
2019-03-29 0.000 0.000
2019-01-30 0.000 0.000
2018-11-14 0.000 0.000
2018-10-30 0.000 0.000

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Unable to perform a dividend volatility check as Bank7 has not reported any payouts.
  • Unable to verify if Bank7's dividend has been increasing as the company has not reported any payouts.
Current Payout to shareholders
What portion of Bank7's earnings are paid to the shareholders as a dividend.
  • Unable to calculate sustainability of dividends as Bank7 has not reported any payouts.
Future Payout to shareholders
  • No need to calculate the sustainability of Bank7's dividends in 3 years as they are not expected to pay a notable one for United States of America.
X
Income/ dividend checks
We assess Bank7's dividend by checking for:
  1. Firstly is the company paying a notable dividend (greater than 0.8%) - if not then the rest of the checks are ignored.
  2. Is current dividend yield above the bottom 25% of dividend payers? (1 check)
  3. Is current dividend yield above the top 25% of dividend payers? (1 check)
  4. Have they paid a dividend for 10 years, and during this period has the dividend been volatile (drop of more than 25%)? (1 check)
  5. If they have paid a dividend for 10 years has it increased in this time? (1 check)
  6. How sustainable is the dividend, can Bank7 afford to pay it from its earnings today and in 3 years (Payout ratio less than 90%)? (2 checks)
  7. Bank7 has a total score of 0/6, see the detailed checks below.


Full details on the Dividends part of the Simply Wall St company analysis model.

BSVN Management

 What is the CEO of Bank7's salary, the management and board of directors tenure and is there insider trading?

Management is one of the most important areas of a company. We look at unreasonable CEO compensation, how long the team and board of directors have been around for and insider trading.
CEO
Tom Travis
COMPENSATION $2,478,423
AGE 61
TENURE AS CEO 1.5 years
CEO Bio

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 its Director since 2014. He formerly served as President and CEO of Oklahoma Operations for International Bank of Commerce (“IBC”) of Oklahoma. During his extensive career, he has been instrumental in leading the growth and improvement of banking services at every level including commercial lending, consumer banking, treasury management, compliance, asset/liability management as well as operations. A graduate of Schreiner University, Kerrville, TX; he started his banking career in 1980. After successfully completing Corporate Credit Training at one of the nation’s largest bank, he began his long career in commercial lending. In 1991 he joined IBC as President and CEO of its San Antonio bank before moving to Oklahoma in 2004 to become President and CEO of its newly acquired Oklahoma operations. He currently serves as a Member of The State Chamber, Oklahoma Bankers Association, The Oklahoma City Chamber of Commerce, and The Oklahoma Business Roundtable.

CEO Compensation
  • Tom's compensation has increased by more than 20% in the past year whilst earnings fell less than 20%.
  • Tom's remuneration is higher than average for companies of similar size in United States of America.
Management Team Tenure

Average tenure and age of the Bank7 management team in years:

1.5
Average Tenure
55
Average Age
  • The average tenure for the Bank7 management team is less than 2 years, this suggests a new team.
Management Team

Brad Haines

TITLE
Executive Chairman of the Board
COMPENSATION
$681K
AGE
68

Tom Travis

TITLE
President
COMPENSATION
$2M
AGE
61
TENURE
1.5 yrs

J.T. Phillips

TITLE
Senior EVP
COMPENSATION
$473K
AGE
49
TENURE
1.5 yrs

Kelly Harris

TITLE
Senior VP & CFO
AGE
38
TENURE
1.5 yrs

Jason Estes

TITLE
Executive VP & Chief Credit Officer
COMPENSATION
$7K
AGE
39
TENURE
1.5 yrs

Andy Levinson

TITLE
President of the Tulsa Region & Member of Board of Directors
TENURE
0.3 yrs

Doug Haines

TITLE
Regional President of Western Oklahoma & Kansas of Bank 7
COMPENSATION
$7K
AGE
61
Board of Directors Tenure

Average tenure and age of the Bank7 board of directors in years:

1.5
Average Tenure
66
Average Age
  • The average tenure for the Bank7 board of directors is less than 3 years, this suggests a new board.
Board of Directors

Tom Travis

TITLE
President
COMPENSATION
$2M
AGE
61
TENURE
1.5 yrs

J.T. Phillips

TITLE
Senior EVP
COMPENSATION
$473K
AGE
49
TENURE
15.5 yrs

Andy Levinson

TITLE
President of the Tulsa Region & Member of Board of Directors
TENURE
0.3 yrs

William Buergler

TITLE
Independent Director
COMPENSATION
$8K
AGE
46
TENURE
1.5 yrs

Brad Haines

TITLE
Executive Chairman of the Board
COMPENSATION
$681K
AGE
68
TENURE
15.5 yrs

Mike Sanner

TITLE
Independent Director
COMPENSATION
$6K
AGE
66
TENURE
0.7 yrs

Bobby Alexander

TITLE
Independent Director
COMPENSATION
$32K
AGE
63
TENURE
1.5 yrs

Charles Brown

TITLE
Independent Director
COMPENSATION
$32K
AGE
68
TENURE
1.5 yrs

Lonny Wilson

TITLE
Independent Director
COMPENSATION
$32K
AGE
67
TENURE
1.5 yrs

Gary Whitcomb

TITLE
Independent Director
COMPENSATION
$37K
AGE
71
TENURE
1.5 yrs
Who owns this company?
Recent Insider Trading
  • More shares have been bought than sold by Bank7 individual insiders in the past 3 months, but not in substantial volumes.
Recent Insider Transactions
Announced Type Name Entity Role Start End Shares Max Price ($) Value ($)
07. May 19 Buy J. Sanner Individual 03. May 19 03. May 19 1,000 $17.58 $17,577
13. Mar 19 Buy William Buergler Individual 13. Mar 19 13. Mar 19 1,000 $15.74 $15,740
13. Feb 19 Buy John Phillips Individual 11. Feb 19 11. Feb 19 1,000 $16.45 $16,404
26. Sep 18 Buy Gary Whitcomb Individual 24. Sep 18 24. Sep 18 500 $19.00 $9,500
19. Oct 18 Sell Lisa K. Haines Financial Services Trust Company 17. Oct 18 17. Oct 18 -92,600 $17.77 $-1,645,502
19. Oct 18 Sell Julee S Lawrence Financial Services Trust Company 17. Oct 18 17. Oct 18 -92,600 $17.77 $-1,645,502
19. Oct 18 Sell William Haines Individual 17. Oct 18 17. Oct 18 -187,135 $17.77 $-3,325,389
26. Sep 18 Buy Jason Estes Individual 24. Sep 18 24. Sep 18 1,000 $19.00 $19,000
26. Sep 18 Buy Kelly Harris Individual 24. Sep 18 24. Sep 18 5,000 $19.00 $95,000
26. Sep 18 Sell Lisa K. Haines Financial Services Trust Company 24. Sep 18 24. Sep 18 -124,350 $19.00 $-2,362,650
26. Sep 18 Buy Thomas Travis Individual 24. Sep 18 24. Sep 18 25,000 $19.00 $475,000
26. Sep 18 Buy Douglas Haines Individual 24. Sep 18 24. Sep 18 1,000 $19.00 $19,000
26. Sep 18 Sell Lisa K. Haines Financial Services Trust Company 24. Sep 18 24. Sep 18 -124,350 $17.77 $-2,209,700
26. Sep 18 Buy Lonny Wilson Individual 24. Sep 18 24. Sep 18 5,000 $19.00 $95,000
26. Sep 18 Sell William Haines Individual 24. Sep 18 24. Sep 18 -251,300 $17.77 $-4,465,601
X
Management checks
We assess Bank7's management by checking for:
  1. Is the CEO's compensation unreasonable compared to market cap? (1 check)
  2. Has the CEO's compensation increased more than 20% whilst the EPS is down more then 20%? (1 check)
  3. Is the average tenure of the management team less than 2 years? (1 check)
  4. Is the average tenure of the board of directors team less than 3 years? (1 check)
  5. Bank7 has a total score of 0/6, this is not included on the snowflake, see the detailed checks below.


Note: We use the top 6 management executives and board members in our calculations.

Note 2: Insider trading include any internal stakeholders and these transactions .

Full details on the Management part of the Simply Wall St company analysis model.

BSVN News

Simply Wall St News

Who Has Been Selling Bank7 Corp. (NASDAQ:BSVN) Shares?

So we'll take a look at whether insiders have been buying or selling shares in Bank7 Corp. … As Peter Lynch said, 'insiders might sell their shares for any number of reasons, but they buy them for only one: they think the price will rise.' See our latest analysis for Bank7 The Last 12 Months Of Insider Transactions At Bank7 Over the last year, we can see that the biggest insider sale was by the Executive Chairman of the Board, William Haines, for US$4.5m worth of shares, at about US$17.77 per share. … Bank7 Insiders Bought Stock Recently We saw some Bank7 insider buying shares in the last three months.

Simply Wall St -

BSVN Company Info

Description

Bank7 Corp. operates as a bank holding company for Bank7 that provides banking and financial services to individual and corporate customers in Oklahoma, Kansas, and Texas. It accepts demand, savings, checking, money market, and negotiable order of withdrawal accounts, as well as certificates of deposit. The company also provides commercial real estate, hospitality, energy, and commercial and industrial loans; and consumer loans, such as secured and unsecured term loans and home improvement loans; and residential real estate loans, mortgage banking services, personal lines of credit, loans for the purchase of automobiles, and other installment loans, as well as ATM services. It operates through seven branches in Oklahoma, Texas, and Kansas. The company was formerly known as Haines Financial Corp. Bank7 Corp. was founded in 2004 and is headquartered in Oklahoma City, Oklahoma.

Details
Name: Bank7 Corp.
BSVN
Exchange: NasdaqGS
Founded: 2004
$181,948,750
10,187,500
Website: http://www.bank7.com
Address: Bank7 Corp.
1039 N.W. 63rd Street,
Oklahoma City,
Oklahoma, 73116,
United States
Listings
Exchange Symbol Ticker Symbol Security Exchange Country Currency Listed on
NasdaqGS BSVN Common Stock Nasdaq Global Select US USD 20. Sep 2018
Number of employees
Current staff
Staff numbers
72
Bank7 employees.
Industry
Regional Banks
Banks
Company Analysis and Financial Data Status
Area Date (UTC time)
Company Analysis updated: 2019/07/18 01:07
End of day share price update: 2019/07/17 00:00
Last estimates confirmation: 2019/07/09
Last earnings filing: 2019/05/15
Last earnings reported: 2019/03/31
Last annual earnings reported: 2018/12/31


All dates and times in UTC. All financial data provided by Standard & Poor’s Capital IQ.

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.