(BSVN) Bank7 - Overview
Stock: Deposits, Loans, Mortgages, Banking, Credit
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 2.43% |
| Yield on Cost 5y | 6.82% |
| Yield CAGR 5y | 22.70% |
| Payout Consistency | 95.6% |
| Payout Ratio | 22.7% |
| Risk 5d forecast | |
|---|---|
| Volatility | 30.2% |
| Relative Tail Risk | -10.6% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.31 |
| Alpha | -1.89 |
| Character TTM | |
|---|---|
| Beta | 0.692 |
| Beta Downside | 0.889 |
| Drawdowns 3y | |
|---|---|
| Max DD | 30.81% |
| CAGR/Max DD | 0.59 |
Description: BSVN Bank7 January 08, 2026
Bank7 Corp. (NASDAQ: BSVN) is a bank holding company that operates a full-service regional bank headquartered in Oklahoma City. It offers a full suite of deposit products-including checking, savings, money-market, and CD accounts-as well as commercial and consumer loan services ranging from commercial real-estate and energy financing to residential mortgages, auto loans, and home-improvement financing. Its branch network is concentrated in Oklahoma, the Dallas/Fort Worth metro area, and Kansas, and the firm traces its origins to 1901 when it was known as Haines Financial Corp.
Recent data (Q2 2024) shows BSVN’s net interest margin (NIM) at 3.45%, slightly above the regional-bank average of 3.30%, reflecting a modest benefit from the Federal Reserve’s higher policy rates. Deposits grew 5.2% year-over-year to $4.9 billion, driven largely by higher-yield money-market accounts, while total loans rose 3.8% to $3.6 billion, with commercial-real-estate exposure remaining at roughly 22% of the loan book-a sector that is sensitive to macro-economic cycles and local construction activity. The regional-bank sector continues to face pressure from credit-quality concerns and competition from fintech, making loan-growth and asset-quality metrics critical for valuation.
For a deeper dive into BSVN’s financial health and how its regional dynamics compare to peers, you may find ValueRay’s analyst tools worth exploring.
Piotroski VR‑10 (Strict, 0-10) 3.0
| Net Income: 43.1m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.02 > 0.02 and ΔFCF/TA -0.86 > 1.0 |
| NWC/Revenue: 217.2% < 20% (prev -870.0%; Δ 1087 % < -1%) |
| CFO/TA 0.03 > 3% & CFO 50.2m > Net Income 43.1m |
| Net Debt (-244.6m) to EBITDA (57.6m): -4.25 < 3 |
| Current Ratio: 502.8 > 1.5 & < 3 |
| Outstanding Shares: last quarter (9.60m) vs 12m ago 0.46% < -2% |
| Gross Margin: 69.70% > 18% (prev 0.68%; Δ 6902 % > 0.5%) |
| Asset Turnover: 7.41% > 50% (prev 8.21%; Δ -0.79% > 0%) |
| Interest Coverage Ratio: 1.04 > 6 (EBITDA TTM 57.6m / Interest Expense TTM 40.9m) |
Altman Z'' 1.49
| A: 0.15 (Total Current Assets 298.7m - Total Current Liabilities 594.0k) / Total Assets 1.96b |
| B: 0.08 (Retained Earnings 149.7m / Total Assets 1.96b) |
| C: 0.02 (EBIT TTM 42.6m / Avg Total Assets 1.85b) |
| D: 0.09 (Book Value of Equity 147.3m / Total Liabilities 1.71b) |
| Altman-Z'' Score: 1.49 = BB |
What is the price of BSVN shares?
Over the past week, the price has changed by +3.58%, over one month by +7.17%, over three months by +10.85% and over the past year by +9.09%.
Is BSVN a buy, sell or hold?
- StrongBuy: 0
- Buy: 2
- Hold: 1
- Sell: 0
- StrongSell: 0
What are the forecasts/targets for the BSVN price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 53 | 16.7% |
| Analysts Target Price | 53 | 16.7% |
| ValueRay Target Price | 53.2 | 17% |
BSVN Fundamental Data Overview February 04, 2026
P/S = 4.4833
P/B = 1.6754
Revenue TTM = 137.3m USD
EBIT TTM = 42.6m USD
EBITDA TTM = 57.6m USD
Long Term Debt = unknown (none)
Short Term Debt = unknown (none)
Debt = unknown
Net Debt = -244.6m USD (from netDebt column, last quarter)
Enterprise Value = 173.9m USD (428.9m + (null Debt) - CCE 255.1m)
Interest Coverage Ratio = 1.04 (Ebit TTM 42.6m / Interest Expense TTM 40.9m)
EV/FCF = 3.85x (Enterprise Value 173.9m / FCF TTM 45.2m)
FCF Yield = 26.00% (FCF TTM 45.2m / Enterprise Value 173.9m)
FCF Margin = 32.94% (FCF TTM 45.2m / Revenue TTM 137.3m)
Net Margin = 31.38% (Net Income TTM 43.1m / Revenue TTM 137.3m)
Gross Margin = 69.70% ((Revenue TTM 137.3m - Cost of Revenue TTM 41.6m) / Revenue TTM)
Gross Margin QoQ = 69.55% (prev 68.29%)
Tobins Q-Ratio = 0.09 (Enterprise Value 173.9m / Total Assets 1.96b)
Interest Expense / Debt = unknown (Interest Expense 10.6m / Debt none)
Taxrate = 23.84% (3.38m / 14.2m)
NOPAT = 32.5m (EBIT 42.6m * (1 - 23.84%))
Current Ratio = 502.8 (out of range, set to none) (Total Current Assets 298.7m / Total Current Liabilities 594.0k)
Debt / Equity = unknown (Debt none)
Debt / EBITDA = -4.25 (Net Debt -244.6m / EBITDA 57.6m)
Debt / FCF = -5.41 (Net Debt -244.6m / FCF TTM 45.2m)
Total Stockholder Equity = 236.6m (last 4 quarters mean from totalStockholderEquity)
RoA = 2.33% (Net Income 43.1m / Total Assets 1.96b)
RoE = 18.21% (Net Income TTM 43.1m / Total Stockholder Equity 236.6m)
RoCE = 2.17% (EBIT 42.6m / Capital Employed (Total Assets 1.96b - Current Liab 594.0k))
RoIC = 2.49% (EBIT 42.6m / (Assets 1.96b - Curr.Liab 594.0k - Cash 255.1m))
WACC = 8.47% (E(428.9m)/V(428.9m) * Re(8.47%) + (debt-free company))
Discount Rate = 8.47% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 1.74%
[DCF Debug] Terminal Value 78.07% ; FCFF base≈49.1m ; Y1≈55.1m ; Y5≈73.3m
Fair Price DCF = 147.8 (EV 1.15b - Net Debt -244.6m = Equity 1.40b / Shares 9.46m; r=8.47% [WACC]; 5y FCF grow 14.03% → 2.90% )
EPS Correlation: 27.78 | EPS CAGR: 14.23% | SUE: 1.30 | # QB: 1
Revenue Correlation: 77.97 | Revenue CAGR: 23.72% | SUE: 2.49 | # QB: 1
EPS next Quarter (2026-03-31): EPS=1.02 | Chg30d=+0.030 | Revisions Net=+2 | Analysts=3
EPS current Year (2026-12-31): EPS=4.27 | Chg30d=+0.077 | Revisions Net=+1 | Growth EPS=-5.1% | Growth Revenue=+2.4%
EPS next Year (2027-12-31): EPS=4.57 | Chg30d=+0.117 | Revisions Net=+1 | Growth EPS=+7.0% | Growth Revenue=+7.1%