NasdaqGS:BSVN

Stock Analysis Report

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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


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

BSVNIndustryMarket
7 Day-6.3%-5.3%1.4%
30 Day7.0%9.9%4.9%
90 Day57.5%29.9%14.6%
1 Year-16.2%-19.6%-5.0%-8.4%25.4%22.6%
3 Yearn/a-2.1%-10.5%46.8%37.0%
5 Yearn/a82.1%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

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

NamePositionTenureCompensationOwnership
Thomas Travis
President3yrsUS$5.89m3.33%
$ 4.5m
John Phillips
Vice Chairmanno dataUS$5.88m2.53%
$ 3.4m
Jason Estes
Executive VP & Chief Credit Officer3yrsUS$1.26m0.52%
$ 705.9k
William Haines
Executive Chairman of the Board17yrsUS$669.90k32.02%
$ 43.6m
Kelly Harris
Senior VP & CFO3yrsno data0.064%
$ 87.5k
Andrew Levinson
Executive VP1.83yrsno data0.038%
$ 52.1k
Douglas Haines
Regional President of Western Oklahoma & Kansas of Bank 7no dataUS$7.20k0.069%
$ 93.2k

3.0yrs

Average Tenure

50yo

Average Age

Experienced Management: BSVN's management team is considered experienced (3 years average tenure).


Board Members

NamePositionTenureCompensationOwnership
Thomas Travis
President3yrsUS$5.89m3.33%
$ 4.5m
John Phillips
Vice Chairmanno dataUS$5.88m2.53%
$ 3.4m
William Haines
Executive Chairman of the Board17yrsUS$669.90k32.02%
$ 43.6m
Andrew Levinson
Executive VP1.83yrsno data0.038%
$ 52.1k
William Buergler
Independent Director3yrsUS$36.00k0.011%
$ 15.0k
Gary Whitcomb
Independent Director3yrsUS$24.00k0.011%
$ 15.0k
Lonny Wilson
Independent Director3yrsUS$24.00k0.055%
$ 75.2k
Charles Brown
Independent Director3yrsUS$24.00k0%
$ 0
J. Sanner
Independent Director2.17yrsUS$36.00k0.050%
$ 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

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
BSVNNasdaqGS (Nasdaq Global Select)YesCommon StockUSUSDSep 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

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2021/01/21 23:58
End of Day Share Price2021/01/21 00:00
Earnings2020/09/30
Annual Earnings2019/12/31


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.