(BSVN) Bank7 - Ratings and Ratios
Deposits, Loans, Mortgages, Banking, Credit
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 2.43% |
| Yield on Cost 5y | 7.55% |
| Yield CAGR 5y | 22.70% |
| Payout Consistency | 95.6% |
| Payout Ratio | 22.5% |
| Risk via 5d forecast | |
|---|---|
| Volatility | 29.5% |
| Value at Risk 5%th | 43.1% |
| Relative Tail Risk | -11.16% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | -0.05 |
| Alpha | -12.70 |
| CAGR/Max DD | 0.64 |
| Character TTM | |
|---|---|
| Hurst Exponent | 0.554 |
| Beta | 0.689 |
| Beta Downside | 0.831 |
| Drawdowns 3y | |
|---|---|
| Max DD | 30.81% |
| Mean DD | 11.59% |
| Median DD | 10.87% |
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 (43.4m TTM) > 0 and > 6% of Revenue (6% = 8.24m TTM) |
| FCFTA 0.02 (>2.0%) and ΔFCFTA -0.77pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue 215.9% (prev -871.6%; Δ 1088 pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.03 (>3.0%) and CFO 50.2m > Net Income 43.4m (YES >=105%, WARN >=100%) |
| Net Debt (-241.8m) to EBITDA (58.4m) ratio: -4.14 <= 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 69.69% (prev 58.33%; Δ 11.36pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 7.56% (prev 8.46%; Δ -0.90pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 1.40 (EBITDA TTM 58.4m / Interest Expense TTM 40.9m) >= 6 (WARN >= 3) |
Altman Z'' 1.57
| (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) 0.03 = EBIT TTM 57.3m / Avg Total Assets 1.82b |
| (D) 0.08 = Book Value of Equity 138.6m / Total Liabilities 1.65b |
| Total Rating: 1.57 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 60.90
| 1. Piotroski 3.0pt |
| 2. FCF Yield 42.62% |
| 3. FCF Margin 32.92% |
| 4. Debt/Equity 0.01 |
| 5. Debt/Ebitda -4.14 |
| 6. ROIC - WACC (= -91.08)% |
| 7. RoE 19.11% |
| 8. Rev. Trend 83.87% |
| 9. EPS Trend 0.38% |
What is the price of BSVN shares?
Over the past week, the price has changed by +2.74%, over one month by -1.62%, over three months by -4.24% and over the past year by -1.09%.
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 | 22.1% |
| Analysts Target Price | 52.7 | 22.1% |
| ValueRay Target Price | 50.6 | 17.2% |
BSVN Fundamental Data Overview January 15, 2026
P/S = 4.1879
P/B = 1.673
Beta = 0.92
Revenue TTM = 137.3m USD
EBIT TTM = 57.3m USD
EBITDA TTM = 58.4m 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 = 106.1m USD (400.8m + Debt 1.87m - CCE 296.6m)
Interest Coverage Ratio = 1.40 (Ebit TTM 57.3m / Interest Expense TTM 40.9m)
EV/FCF = 2.35x (Enterprise Value 106.1m / FCF TTM 45.2m)
FCF Yield = 42.62% (FCF TTM 45.2m / Enterprise Value 106.1m)
FCF Margin = 32.92% (FCF TTM 45.2m / Revenue TTM 137.3m)
Net Margin = 31.60% (Net Income TTM 43.4m / Revenue TTM 137.3m)
Gross Margin = 69.69% ((Revenue TTM 137.3m - Cost of Revenue TTM 41.6m) / Revenue TTM)
Gross Margin QoQ = 68.29% (prev 70.87%)
Tobins Q-Ratio = 0.06 (Enterprise Value 106.1m / Total Assets 1.89b)
Interest Expense / Debt = 570.5% (Interest Expense 10.7m / Debt 1.87m)
Taxrate = 23.56% (3.34m / 14.2m)
NOPAT = 43.8m (EBIT 57.3m * (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 = -4.14 (Net Debt -241.8m / EBITDA 58.4m)
Debt / FCF = -5.35 (Net Debt -241.8m / FCF TTM 45.2m)
Total Stockholder Equity = 227.1m (last 4 quarters mean from totalStockholderEquity)
RoA = 2.39% (Net Income 43.4m / Total Assets 1.89b)
RoE = 19.11% (Net Income TTM 43.4m / Total Stockholder Equity 227.1m)
RoCE = 3.03% (EBIT 57.3m / Capital Employed (Total Assets 1.89b - Current Liab 146.0k))
RoIC = -82.66% (NOPAT 43.8m / Invested Capital -53.0m)
WACC = 8.42% (E(400.8m)/V(402.7m) * Re(8.46%) + (debt cost/tax rate unavailable))
Discount Rate = 8.46% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 1.56%
[DCF Debug] Terminal Value 78.24% ; FCFF base≈49.1m ; Y1≈55.1m ; Y5≈73.3m
Fair Price DCF = 148.8 (EV 1.16b - Net Debt -241.8m = Equity 1.41b / Shares 9.45m; r=8.42% [WACC]; 5y FCF grow 14.03% → 2.90% )
EPS Correlation: 0.38 | EPS CAGR: -41.58% | SUE: -4.0 | # QB: 0
Revenue Correlation: 83.87 | Revenue CAGR: 25.31% | SUE: 0.71 | # QB: 0
EPS next Quarter (2026-03-31): EPS=0.99 | Chg30d=+0.000 | Revisions Net=+0 | Analysts=3
EPS next Year (2026-12-31): EPS=4.19 | Chg30d=+0.000 | Revisions Net=-2 | Growth EPS=-4.8% | Growth Revenue=+1.3%
Additional Sources for BSVN Stock
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle