Market Cap
US$136.0m
Last Updated
2021/01/21 23:58 UTC
Data Sources
Company Financials +
Executive Summary
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. More Details
Rewards
Risk Analysis
Earnings are forecast to decline by an average of 1.3% per year for the next 3 years
Snowflake Analysis
Good value with adequate balance sheet.
Share Price & News
How has Bank7's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: BSVN is not significantly more volatile than the rest of US stocks over the past 3 months, typically moving +/- 9% a week.
Volatility Over Time: BSVN's weekly volatility (9%) has been stable over the past year.
Market Performance
7 Day Return
-6.3%
BSVN
-5.3%
US Banks
1.4%
US Market
1 Year Return
-19.6%
BSVN
-8.4%
US Banks
22.6%
US Market
Return vs Industry: BSVN underperformed the US Banks industry which returned -7.2% over the past year.
Return vs Market: BSVN underperformed the US Market which returned 22.8% over the past year.
Shareholder returns
| BSVN | Industry | Market | |
|---|---|---|---|
| 7 Day | -6.3% | -5.3% | 1.4% |
| 30 Day | 7.0% | 9.9% | 4.9% |
| 90 Day | 57.5% | 29.9% | 14.6% |
| 1 Year | -16.2%-19.6% | -5.0%-8.4% | 25.4%22.6% |
| 3 Year | n/a | -2.1%-10.5% | 46.8%37.0% |
| 5 Year | n/a | 82.1%59.0% | 132.0%106.1% |
Long-Term Price Volatility Vs. Market
How volatile is Bank7's share price compared to the market and industry in the last 5 years?
Simply Wall St News
1 month ago | Simply Wall St
Interested In Bank7's (NASDAQ:BSVN) Upcoming US$0.11 Dividend? You Have Four Days Left2 months ago | Simply Wall St
Bank7 Corp. Just Recorded A 9.1% EPS Beat: Here's What Analysts Are Forecasting Next3 months ago | Simply Wall St
Should Income Investors Look At Bank7 Corp. (NASDAQ:BSVN) Before Its Ex-Dividend?Valuation
Is Bank7 undervalued compared to its fair value and its price relative to the market?
>50%
Undervalued compared to fair value
Share Price vs. Fair Value
Below Fair Value: BSVN ($15.04) is trading below our estimate of fair value ($72.77)
Significantly Below Fair Value: BSVN is trading below fair value by more than 20%.
Price To Earnings Ratio
PE vs Industry: BSVN is good value based on its PE Ratio (7.6x) compared to the US Banks industry average (12.3x).
PE vs Market: BSVN is good value based on its PE Ratio (7.6x) compared to the US market (21.1x).
Price to Earnings Growth Ratio
PEG Ratio: BSVN's earnings are forecast to decline next year, so we can't calculate its PEG ratio.
Price to Book Ratio
PB vs Industry: BSVN is overvalued based on its PB Ratio (1.3x) compared to the US Banks industry average (1x).
Next Steps
Future Growth
How is Bank7 forecast to perform in the next 1 to 3 years based on estimates from 3 analysts?
-1.3%
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: BSVN's earnings are forecast to decline over the next 3 years (-1.3% per year).
Earnings vs Market: BSVN's earnings are forecast to decline over the next 3 years (-1.3% per year).
High Growth Earnings: BSVN's earnings are forecast to decline over the next 3 years.
Revenue vs Market: BSVN's revenue (4.6% per year) is forecast to grow slower than the US market (10.5% per year).
High Growth Revenue: BSVN's revenue (4.6% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: BSVN's Return on Equity is forecast to be low in 3 years time (15.2%).
Next Steps
Past Performance
How has Bank7 performed over the past 5 years?
-19.5%
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: BSVN has a large one-off gain of $11.8M impacting its September 30 2020 financial results.
Growing Profit Margin: BSVN's current net profit margins (43.7%) are higher than last year (21.4%).
Past Earnings Growth Analysis
Earnings Trend: BSVN's earnings have declined by 19.5% per year over the past 5 years.
Accelerating Growth: BSVN's earnings growth over the past year (105.2%) exceeds its 5-year average (-19.5% per year).
Earnings vs Industry: BSVN earnings growth over the past year (105.2%) exceeded the Banks industry -4.3%.
Return on Equity
High ROE: BSVN's Return on Equity (18.1%) is considered low.
Next Steps
Financial Health
How is Bank7's financial position? (This company is analysed differently as a bank or financial institution)
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: BSVN's Assets to Equity ratio (9.2x) is low.
Allowance for Bad Loans: BSVN has a low allowance for bad loans (54%).
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 (89%).
Low Risk Deposits: BSVN's Loans to Deposits ratio (101%) is appropriate.
Level of Bad Loans: BSVN has a high level of bad loans (2.3%).
Next Steps
Dividend
What is Bank7 current dividend yield, its reliability and sustainability?
2.93%
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: BSVN's dividend (2.93%) is higher than the bottom 25% of dividend payers in the US market (1.37%).
High Dividend: BSVN's dividend (2.93%) is low compared to the top 25% of dividend payers in the US market (3.86%).
Stability and Growth of Payments
Stable Dividend: Too early to tell whether BSVN's dividend payments have been stable as they only just started paying a dividend.
Growing Dividend: Too early to tell if BSVN's dividend payments are increasing as they only just started paying a dividend.
Current Payout to Shareholders
Dividend Coverage: With its low payout ratio (20.2%), BSVN's dividend payments are well covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: BSVN's dividends in 3 years are forecast to be well covered by earnings (15% payout ratio).
Next Steps
Management
How experienced are the management team and are they aligned to shareholders interests?
3.0yrs
Average management tenure
CEO
Tom Travis (62 yo)
3yrs
Tenure
US$5,893,387
Compensation
Mr. Thomas L. Travis, also known as Tom, has been President, Chief Executive Officer and Director of Bank7 Corp. since 2018. Mr. Travis serves as President and Chief Executive Officer of Bank7 and has been...
CEO Compensation Analysis
Compensation vs Market: Tom's total compensation ($USD5.89M) is above average for companies of similar size in the US market ($USD533.25K).
Compensation vs Earnings: Tom's compensation has increased by more than 20% in the past year.
Leadership Team
| Name | Position | Tenure | Compensation | Ownership |
|---|---|---|---|---|
| President | 3yrs | US$5.89m | 3.33% $ 4.5m | |
| Vice Chairman | no data | US$5.88m | 2.53% $ 3.4m | |
| Executive VP & Chief Credit Officer | 3yrs | US$1.26m | 0.52% $ 705.9k | |
| Executive Chairman of the Board | 17yrs | US$669.90k | 32.02% $ 43.6m | |
| Senior VP & CFO | 3yrs | no data | 0.064% $ 87.5k | |
| Executive VP | 1.83yrs | no data | 0.038% $ 52.1k | |
| Regional President of Western Oklahoma & Kansas of Bank 7 | no data | US$7.20k | 0.069% $ 93.2k |
3.0yrs
Average Tenure
50yo
Average Age
Experienced Management: BSVN's management team is considered experienced (3 years average tenure).
Board Members
| Name | Position | Tenure | Compensation | Ownership |
|---|---|---|---|---|
| President | 3yrs | US$5.89m | 3.33% $ 4.5m | |
| Vice Chairman | no data | US$5.88m | 2.53% $ 3.4m | |
| Executive Chairman of the Board | 17yrs | US$669.90k | 32.02% $ 43.6m | |
| Executive VP | 1.83yrs | no data | 0.038% $ 52.1k | |
| Independent Director | 3yrs | US$36.00k | 0.011% $ 15.0k | |
| Independent Director | 3yrs | US$24.00k | 0.011% $ 15.0k | |
| Independent Director | 3yrs | US$24.00k | 0.055% $ 75.2k | |
| Independent Director | 3yrs | US$24.00k | 0% $ 0 | |
| Independent Director | 2.17yrs | US$36.00k | 0.050% $ 67.7k |
3.0yrs
Average Tenure
67yo
Average Age
Experienced Board: BSVN's board of directors are considered experienced (3 years average tenure).
Ownership
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold 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 company bio, employee growth, exchange listings and data sources
Key Information
- Name: Bank7 Corp.
- Ticker: BSVN
- Exchange: NasdaqGS
- Founded: 2004
- Industry: Regional Banks
- Sector: Banks
- Market Cap: US$136.033m
- Shares outstanding: 9.04m
- Website: https://www.bank7.com
Number of Employees
Location
- Bank7 Corp.
- 1039 NW 63rd Street
- Oklahoma City
- Oklahoma
- 73116
- United States
Listings
| Ticker | Exchange | Primary Security | Security Type | Country | Currency | Listed on |
|---|---|---|---|---|---|---|
| BSVN | NasdaqGS (Nasdaq Global Select) | Yes | Common Stock | US | USD | Sep 2018 |
Biography
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, check...
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2021/01/21 23:58 |
| End of Day Share Price | 2021/01/21 00:00 |
| Earnings | 2020/09/30 |
| Annual Earnings | 2019/12/31 |
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.