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BSVN

Bank7 NasdaqGS:BSVN Stock Report

Last Price

US$22.36

Market Cap

US$203.4m

7D

-5.9%

1Y

24.9%

Updated

01 Jul, 2022

Data

Company Financials +
BSVN fundamental analysis
Snowflake Score
Valuation6/6
Future Growth2/6
Past Performance4/6
Financial Health6/6
Dividends2/6

BSVN Stock Overview

Bank7 Corp. operates as a bank holding company for Bank7 that provides banking and financial services to individual and corporate customers.

Bank7 Competitors

Price History & Performance

Summary of all time highs, changes and price drops for Bank7
Historical stock prices
Current Share PriceUS$22.36
52 Week HighUS$27.28
52 Week LowUS$17.51
Beta1.88
1 Month Change-7.53%
3 Month Change-5.93%
1 Year Change24.92%
3 Year Change25.62%
5 Year Changen/a
Change since IPO17.13%

Recent News & Updates

Shareholder Returns

BSVNUS BanksUS Market
7D-5.9%-1.9%-2.5%
1Y24.9%-18.3%-21.2%

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.

Price Volatility

Is BSVN's price volatile compared to industry and market?
BSVN volatility
BSVN Average Weekly Movement6.7%
Banks Industry Average Movement3.8%
Market Average Movement8.1%
10% most volatile stocks in US Market16.9%
10% least volatile stocks in US Market3.2%

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

FoundedEmployeesCEOWebsite
1901122Tom Travishttps://www.bank7.com

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

How do Bank7's earnings and revenue compare to its market cap?
BSVN fundamental statistics
Market CapUS$203.45m
Earnings (TTM)US$24.24m
Revenue (TTM)US$54.54m

8.4x

P/E Ratio

1.6x

P/B Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report
BSVN income statement (TTM)
RevenueUS$54.54m
Cost of RevenueUS$0
Gross ProfitUS$54.54m
Other ExpensesUS$30.30m
EarningsUS$24.24m

Last Reported Earnings

Mar 31, 2022

Next Earnings Date

n/a

Earnings per share (EPS)2.66
Gross Margin100.00%
Net Profit Margin44.44%
Debt/Equity Ratio0.0%

How did BSVN perform over the long term?

See historical performance and comparison

Dividends

2.1%

Current Dividend Yield

17%

Payout Ratio
We’ve recently updated our valuation analysis.

Valuation

Is BSVN undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

6/6

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

  • PEG Ratio

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.

BSVN key valuation metrics and ratios. From Price to Earnings, Price to Sales and Price to Book to Price to Earnings Growth Ratio, Enterprise Value and EBITDA.
Key Statistics
Enterprise Value/Revenuen/a
Enterprise Value/EBITDAn/a
PEG Ratio0.6x

Price to Earnings Ratio vs Peers

How does BSVN's PE Ratio compare to its peers?

BSVN PE Ratio vs Peers
The above table shows the PE ratio for BSVN vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyPEEstimated GrowthMarket Cap
Peer Average10.5x
CSHX Cashmere Valley Bank
7.6xn/aUS$210.7m
ISTR Investar Holding
18.1x10.2%US$230.6m
BWFG Bankwell Financial Group
8.3x-0.4%US$237.9m
CHMG Chemung Financial
8.2x-1.6%US$218.2m
BSVN Bank7
8.4x13.2%US$203.4m

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.

BSVN PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio8.4x
Fair PE Ratio12.9x

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)


Discover undervalued companies

Future Growth

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

Future Growth Score

2/6

Future Growth Score 2/6

  • Earnings vs Savings Rate

  • Earnings vs Market

  • High Growth Earnings

  • Revenue vs Market

  • High Growth Revenue

  • Future ROE


13.2%

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


Discover growth companies

Past Performance

How has Bank7 performed over the past 5 years?

Past Performance Score

4/6

Past Performance Score 4/6

  • Quality Earnings

  • Growing Profit Margin

  • Earnings Trend

  • Accelerating Growth

  • Earnings vs Industry

  • High ROE


-3.3%

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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Financial Health

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

Financial Health Score

6/6

Financial Health Score 6/6

  • Asset Level

  • Allowance for Bad Loans

  • Low Risk Liabilities

  • Loan Level

  • Low Risk Deposits

  • Level of Bad Loans

Financial Position Analysis


Debt to Equity History and Analysis


Balance Sheet


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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Dividend

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

Dividend Score

2/6

Dividend Score 2/6

  • Notable Dividend

  • High Dividend

  • Stable Dividend

  • Growing Dividend

  • Earnings Coverage

  • Future Dividend Coverage


2.15%

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.


Discover strong dividend paying companies

Management

How experienced are the management team and are they aligned to shareholders interests?

4.4yrs

Average management tenure


CEO

Tom Travis (64 yo)

4.42yrs

Tenure

US$1,325,157

Compensation

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.


Leadership Team

Experienced Management: BSVN's management team is considered experienced (4.4 years average tenure).


Board Members

Experienced Board: BSVN's board of directors are considered experienced (4.4 years average tenure).


Ownership

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

Ownership Breakdown

Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.


Top Shareholders

Company Information

Bank7 Corp.'s employee growth, exchange listings and data sources


Key Information

  • 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


Location

  • Bank7 Corp.
  • 1039 NW 63rd Street
  • Oklahoma City
  • Oklahoma
  • 73116
  • United States

Listings


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2022/07/01 00:00
End of Day Share Price2022/07/01 00:00
Earnings2022/03/31
Annual Earnings2021/12/31


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.