(BSVN) Bank7 - Ratings and Ratios
Deposit Accounts, Commercial Loans, Consumer Loans, Mortgage Services
BSVN EPS (Earnings per Share)
BSVN Revenue
Description: BSVN Bank7
Bank7 Corp (NASDAQ:BSVN) is a bank holding company that provides a range of banking and financial services to individuals and corporations through its subsidiary, Bank7. The companys services include commercial and retail deposit accounts, commercial and consumer lending, and mortgage banking services, operating through a network of full-service branches in Oklahoma, the Dallas/Fort Worth metropolitan area, and Kansas.
To evaluate Bank7 Corps performance, we can examine key performance indicators (KPIs) such as Return on Equity (RoE) of 21.57%, indicating a relatively strong profitability. The companys Price-to-Earnings (P/E) ratio of 9.23 suggests that the stock may be undervalued compared to its earnings. Additionally, the Market Capitalization of $420.40M USD indicates a mid-cap bank with potential for growth.
Further analysis of Bank7 Corps operations reveals a diversified lending portfolio, including commercial real estate, hospitality, energy, and consumer lending, which may contribute to its revenue stability. The companys presence in Oklahoma, Texas, and Kansas provides a strategic footprint in the US banking market. To assess the stocks potential, we can also consider metrics such as the Efficiency Ratio, Net Interest Margin, and Loan-to-Deposit Ratio, which can provide insights into the companys operational efficiency, profitability, and liquidity.
From a valuation perspective, Bank7 Corps stock price has shown a positive trend, with a 20-day Simple Moving Average (SMA) of $40.67 and a 50-day SMA of $38.95, indicating a potential bullish signal. The stocks 52-week high and low prices of $47.52 and $30.21, respectively, suggest a significant price range, and the current price of $44.47 is near the upper end of this range.
BSVN Stock Overview
| Market Cap in USD | 410m |
| Sub-Industry | Regional Banks |
| IPO / Inception | 2018-09-20 |
BSVN Stock Ratings
| Growth Rating | 63.0% |
| Fundamental | 58.6% |
| Dividend Rating | 82.1% |
| Return 12m vs S&P 500 | -13.2% |
| Analyst Rating | 3.67 of 5 |
BSVN Dividends
| Dividend Yield 12m | 2.30% |
| Yield on Cost 5y | 12.09% |
| Annual Growth 5y | 21.72% |
| Payout Consistency | 95.0% |
| Payout Ratio | 17.2% |
BSVN Growth Ratios
| Growth Correlation 3m | 4.1% |
| Growth Correlation 12m | 22.3% |
| Growth Correlation 5y | 92.5% |
| CAGR 5y | 24.94% |
| CAGR/Max DD 3y (Calmar Ratio) | 0.81 |
| CAGR/Mean DD 3y (Pain Ratio) | 2.33 |
| Sharpe Ratio 12m | -0.76 |
| Alpha | -10.02 |
| Beta | 1.136 |
| Volatility | 33.82% |
| Current Volume | 14.7k |
| Average Volume 20d | 13.9k |
| Stop Loss | 41.5 (-3.7%) |
| Signal | -0.35 |
Piotroski VR‑10 (Strict, 0-10) 3.0
| Net Income (43.4m TTM) > 0 and > 6% of Revenue (6% = 7.84m TTM) |
| FCFTA 0.02 (>2.0%) and ΔFCFTA -0.95pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue 226.9% (prev -871.6%; Δ 1099 pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.02 (>3.0%) and CFO 46.9m > Net Income 43.4m (YES >=105%, WARN >=100%) |
| Net Debt (-241.8m) to EBITDA (68.3m) ratio: -3.54 <= 3.0 (WARN <= 3.5) |
| Current Ratio 2032 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (9.57m) change vs 12m ago 0.71% (target <= -2.0% for YES) |
| Gross Margin 61.83% (prev 58.33%; Δ 3.50pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 7.20% (prev 8.46%; Δ -1.26pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 1.66 (EBITDA TTM 68.3m / Interest Expense TTM 40.9m) >= 6 (WARN >= 3) |
Altman Z'' 1.61
| (A) 0.16 = (Total Current Assets 296.6m - Total Current Liabilities 146.0k) / Total Assets 1.89b |
| (B) 0.07 = Retained Earnings (Balance) 141.5m / Total Assets 1.89b |
| (C) 0.04 = EBIT TTM 68.0m / Avg Total Assets 1.82b |
| (D) 0.08 = Book Value of Equity 138.6m / Total Liabilities 1.65b |
| Total Rating: 1.61 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 58.56
| 1. Piotroski 3.0pt = -2.0 |
| 2. FCF Yield 36.10% = 5.0 |
| 3. FCF Margin 31.79% = 7.50 |
| 4. Debt/Equity 0.01 = 2.50 |
| 5. Debt/Ebitda -3.54 = 2.50 |
| 6. ROIC - WACC (= -104.9)% = -12.50 |
| 7. RoE 19.11% = 1.59 |
| 8. Rev. Trend 37.20% = 2.79 |
| 9. EPS Trend 23.64% = 1.18 |
What is the price of BSVN shares?
Over the past week, the price has changed by -1.19%, over one month by -9.79%, over three months by -6.72% and over the past year by +0.26%.
Is Bank7 a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of BSVN is around 46.12 USD . This means that BSVN is currently overvalued and has a potential downside of 7.06%.
Is BSVN a buy, sell or hold?
- Strong Buy: 0
- Buy: 2
- Hold: 1
- Sell: 0
- Strong Sell: 0
What are the forecasts/targets for the BSVN price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 52.7 | 22.3% |
| Analysts Target Price | 52.7 | 22.3% |
| ValueRay Target Price | 52.2 | 21.1% |
Last update: 2025-10-18 02:29
BSVN Fundamental Data Overview
P/E Trailing = 9.5507
P/S = 4.2821
P/B = 1.8852
Beta = 1.136
Revenue TTM = 130.7m USD
EBIT TTM = 68.0m USD
EBITDA TTM = 68.3m USD
Long Term Debt = unknown (none)
Short Term Debt = 646.0k USD (from shortTermDebt, last fiscal year)
Debt = 1.87m USD (from shortLongTermDebtTotal, last fiscal year)
Net Debt = -241.8m USD (from netDebt column, last quarter)
Enterprise Value = 115.1m USD (409.8m + Debt 1.87m - CCE 296.6m)
Interest Coverage Ratio = 1.66 (Ebit TTM 68.0m / Interest Expense TTM 40.9m)
FCF Yield = 36.10% (FCF TTM 41.5m / Enterprise Value 115.1m)
FCF Margin = 31.79% (FCF TTM 41.5m / Revenue TTM 130.7m)
Net Margin = 33.21% (Net Income TTM 43.4m / Revenue TTM 130.7m)
Gross Margin = 61.83% ((Revenue TTM 130.7m - Cost of Revenue TTM 49.9m) / Revenue TTM)
Gross Margin QoQ = 32.88% (prev 70.87%)
Tobins Q-Ratio = 0.06 (Enterprise Value 115.1m / Total Assets 1.89b)
Interest Expense / Debt = 570.5% (Interest Expense 10.7m / Debt 1.87m)
Taxrate = 23.56% (3.34m / 14.2m)
NOPAT = 52.0m (EBIT 68.0m * (1 - 23.56%))
Current Ratio = 2032 (out of range, set to none) (Total Current Assets 296.6m / Total Current Liabilities 146.0k)
Debt / Equity = 0.01 (Debt 1.87m / totalStockholderEquity, last quarter 241.7m)
Debt / EBITDA = -3.54 (Net Debt -241.8m / EBITDA 68.3m)
Debt / FCF = -5.82 (Net Debt -241.8m / FCF TTM 41.5m)
Total Stockholder Equity = 227.1m (last 4 quarters mean from totalStockholderEquity)
RoA = 2.29% (Net Income 43.4m / Total Assets 1.89b)
RoE = 19.11% (Net Income TTM 43.4m / Total Stockholder Equity 227.1m)
RoCE = 3.60% (EBIT 68.0m / Capital Employed (Total Assets 1.89b - Current Liab 146.0k))
RoIC = -94.72% (NOPAT 52.0m / Invested Capital -54.9m)
WACC = 10.15% (E(409.8m)/V(411.7m) * Re(10.20%) + (debt cost/tax rate unavailable))
Discount Rate = 10.20% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 1.56%
[DCF Debug] Terminal Value 74.17% ; FCFE base≈46.8m ; Y1≈55.8m ; Y5≈88.2m
Fair Price DCF = 110.7 (DCF Value 1.05b / Shares Outstanding 9.45m; 5y FCF grow 20.60% → 3.0% )
EPS Correlation: 23.64 | EPS CAGR: 8.19% | SUE: 0.60 | # QB: 0
Revenue Correlation: 37.20 | Revenue CAGR: 4.12% | SUE: 0.30 | # QB: 0
Additional Sources for BSVN Stock
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Fund Manager Positions: Dataroma | Stockcircle