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1. Company Snapshot

1.a. Company Description

Bank7 Corp.operates as a bank holding company for Bank7 that provides banking and financial services to individual and corporate customers.It offers commercial deposit services, including commercial checking, money market, and other deposit accounts; and retail deposit services, such as certificates of deposit, money market accounts, checking accounts, negotiable order of withdrawal accounts, savings accounts, and automated teller machine access.


The company also provides commercial real estate, hospitality, energy, and commercial and industrial lending services; consumer lending services to individuals for personal and household purposes comprising secured and unsecured term loans, and home improvement loans.As of March 8, 2022, it operated through a network of twelve full-service branches in Oklahoma, the Dallas/Fort Worth, Texas metropolitan area, and Kansas.The company was formerly known as Haines Financial Corp.Bank7 Corp.


was founded in 1901 and is headquartered in Oklahoma City, Oklahoma.

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1.b. Last Insights on BSVN

Bank7 Corp.'s recent performance was negatively driven by concerns over its high efficiency levels, which may not be sustainable in the current volatile market. Despite beating Q4 earnings estimates with $1.16 per share, the company's high medical care ratios and increasing expenses may weigh on its future performance. Additionally, the declaration of a quarterly cash dividend of $0.24 per share may not be enough to offset these concerns.

1.c. Company Highlights

2. Bank7 Corp's Q4 2025 Earnings: A Strong Finish to the Year

Bank7 Corp's fourth-quarter 2025 results were outstanding, with the company reporting strong loan growth, solid organic deposit growth, and a low provision for loan losses. The company's EPS came in at $1.12, beating analyst estimates of $1.03. Revenue growth was robust, driven by strong loan fee income. The company's net interest margin (NIM) remained stable at around 4.45%, with management expecting it to remain within this range, despite potential slight decreases if interest rates continue to decline. The current cost of funds is 2.40%, and the company is focused on maximizing loan dollars while maintaining margins.

Publication Date: Jan -18

📋 Highlights
  • Outstanding Loan Growth:: Strong loan growth with expected monthly payoffs of $25 million, driven by disciplined underwriting.
  • Net Interest Margin Stability:: Maintained NIM at 4.45%, with historical lows at 4.35% if interest rates decline further.
  • Capital Strength:: Capital ratio reached 18%, prioritizing organic growth over share buybacks for long-term value.
  • Deposit Cost Management:: Controlled cost of funds at 2.40% despite competitive deposit market pressures.

Loan Growth and Asset Quality

Loan growth was a key highlight, with the company expecting payoffs of around $25 million a month. The company's asset quality is better than ever, with a low provision for loan losses. CEO Thomas L. Travis praised the team's performance, citing their discipline in underwriting and growth. The company's disciplined approach to lending has paid off, with a strong loan growth trajectory.

Deposit Competition and Capital Management

Deposit competition remains tough, with depositors keenly aware of interest rates. However, the company is managing deposit costs effectively, with a focus on maximizing loan dollars while maintaining margins. The company is building capital at a nice clip, with an 18% capital ratio. Management is not focused on share buybacks, instead prioritizing top-tier results and long-term shareholder value.

Valuation and Outlook

With a Price-to-Tangible Book Value (P/TBV) ratio of 1.69, the company's valuation appears reasonable. The Dividend Yield is 2.28%, providing a stable source of return for shareholders. Analysts estimate revenue growth at 7.0% next year, which suggests that the company's strong performance is expected to continue. The company's guidance on expenses and fee income is focused on controlling expenses, with a expectation of $9.1 million in core expense, and $1 million in core fee income related to oil and gas. The oil and gas segment is expected to decline gradually over the next three to four years, with no significant impact on the bank's finances.

3. NewsRoom

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Bank7 Corp. Declares Quarterly Cash Dividend on Common Stock

Mar -05

Source: prnewswire.com

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Southern First Bancshares (NASDAQ:SFST) & Bank7 (NASDAQ:BSVN) Head to Head Contrast

Feb -09

Source: defenseworld.net

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Bank7 Q4 Earnings Call Highlights

Jan -17

Source: defenseworld.net

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Mr. Market Is Finally Waking Up To The Reality Of Bank7

Jan -16

Source: seekingalpha.com

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Bank7 Corp. (BSVN) Q4 2025 Earnings Call Transcript

Jan -15

Source: seekingalpha.com

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Bank7 Corp. Announces Q4 2025 and Full Year Earnings

Jan -15

Source: prnewswire.com

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Bank7 Corp. Announces Fourth Quarter and Full Year 2025 Earnings Conference Call

Jan -07

Source: prnewswire.com

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Bank7 Corp. Declares Quarterly Cash Dividend on Common Stock

Dec -04

Source: prnewswire.com

4. Business Breakdown

4.a. Revenues by Country

4.b. Revenues by Segment

5. Expected revenues mid-term growth (11.00%)

6. Segments

Banking and Financial Services

Expected Growth: 11.0%

Bank7 Corp's 11.0% growth in Banking and Financial Services is driven by increasing demand for digital banking solutions, strategic expansion into new markets, and a strong focus on customer acquisition and retention. Additionally, the company's investment in technology and data analytics has improved operational efficiency, further contributing to its growth.

7. Detailed Products

Commercial Banking

Bank7 Corp. offers a range of commercial banking services, including cash management, lending, and treasury management solutions, to help businesses manage their finances and achieve their goals.

Consumer Banking

Bank7 Corp. provides personal banking services, including checking and savings accounts, credit cards, and personal loans, to help individuals manage their finances and achieve their personal goals.

Mortgage Banking

Bank7 Corp. offers a range of mortgage banking services, including residential and commercial mortgage lending, to help individuals and businesses finance their real estate needs.

Wealth Management

Bank7 Corp. provides wealth management services, including investment management, trust services, and financial planning, to help individuals and families achieve their long-term financial goals.

Treasury Management

Bank7 Corp. offers treasury management services, including cash management, foreign exchange, and risk management, to help businesses optimize their financial performance.

8. Bank7 Corp.'s Porter Forces

Forces Ranking

Threat Of Substitutes

Bank7 Corp. operates in a niche market, providing specialized banking services to a specific customer base. While there are some substitutes available, they are not as convenient or tailored to the specific needs of Bank7 Corp.'s customers.

Bargaining Power Of Customers

Bank7 Corp.'s customers are largely dependent on the bank's specialized services, giving them limited bargaining power. Additionally, the bank's strong relationships with its customers reduce the likelihood of customers switching to competitors.

Bargaining Power Of Suppliers

Bank7 Corp. has a diverse supplier base, reducing its dependence on any single supplier. Additionally, the bank's strong financial position gives it the ability to negotiate favorable terms with its suppliers.

Threat Of New Entrants

The banking industry is heavily regulated, and new entrants would face significant barriers to entry, including obtaining regulatory approvals and building a customer base. Bank7 Corp.'s established brand and customer relationships also make it difficult for new entrants to gain traction.

Intensity Of Rivalry

While Bank7 Corp. operates in a niche market, there are still some competitors vying for market share. However, the bank's specialized services and strong customer relationships help to differentiate it from competitors and reduce the intensity of rivalry.

9. SWOT Analysis

Strength

Weaknesses

Opportunities

Threats

10. Capital Structure

10.a. Balance Sheet

10.b. Weighted Average Cost of capital

Value
Debt Weight 0.32%
Debt Cost 11.23%
Equity Weight 99.68%
Equity Cost 11.23%
WACC 11.23%
Leverage 0.32%

11. Quality Control: Bank7 Corp. passed 5 out of 9 key points

12.a Historical Valuation

12.b Price/Earnings Ratio

12.c Margin Valuation

12.d Peers Valuation

Peers Group Analysis

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Republic Bancorp

A-Score: 6.5/10

Value: 6.5

Growth: 6.9

Quality: 7.9

Yield: 6.0

Momentum: 3.5

Volatility: 8.3

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1st Source

A-Score: 6.4/10

Value: 6.8

Growth: 6.3

Quality: 7.6

Yield: 4.0

Momentum: 5.0

Volatility: 8.7

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Bank7

A-Score: 6.4/10

Value: 6.9

Growth: 8.7

Quality: 5.9

Yield: 5.0

Momentum: 4.0

Volatility: 7.7

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NBH

A-Score: 6.3/10

Value: 7.0

Growth: 6.9

Quality: 7.6

Yield: 6.0

Momentum: 2.5

Volatility: 7.7

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MetroCity Bankshares

A-Score: 5.6/10

Value: 4.4

Growth: 7.0

Quality: 7.0

Yield: 6.0

Momentum: 1.5

Volatility: 8.0

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Evans Bancorp

A-Score: 4.9/10

Value: 4.8

Growth: 1.9

Quality: 6.0

Yield: 6.0

Momentum: 4.5

Volatility: 6.3

1-Year Total Return ->

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Peers Metrics

12.e Scoring Insights

12.f DCF BETA

Parameters

Short Term Growth

Short term Time

Long-Term Growth

WACC

Target Price

39.67$

Current Price

39.67$

Potential

-0.00%

Expected Cash-Flows