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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. Delivers Solid Q3 2025 with Strong Loan Growth

Bank7 Corp. reported a robust third quarter in 2025, driven by organic growth in its loan and deposit portfolios. The company's net interest margin stood at 4.55%, while loan growth was outstanding, with a pipeline that remains robust, albeit subject to lumpy paydowns. Earnings per share (EPS) came in at $1.13, beating analyst estimates of $1.03. Revenue growth is expected to continue, with high single-digit year-over-year loan growth anticipated.

Publication Date: Nov -24

📋 Highlights
  • Strong Loan & Deposit Growth: Organic loan and deposit expansion drove Q3 2025 performance, with high single-digit YoY loan growth anticipated.
  • Net Interest Margin: Reported NIM at 4.55% expected to slightly compress to 4.50% due to rate cuts, offset by loan floors.
  • Loan Fee Income Contribution: Loan fees added ~40 bps to margin but projected to normalize over time.
  • Reserve Increase: Provision for credit losses rose due to portfolio growth (up $X million) and macro volatility.
  • M&A Activity: Active in strategic acquisitions, with several deals in negotiation, though AOCI overhang delays progress.

Net Interest Margin and Loan Growth Prospects

The net interest margin is expected to experience slight compression to 4.50% due to additional rate cuts, but this is expected to slow as loan floors kick in. Loan fee income has increased, representing about 40 basis points of the margin, but is expected to trend back toward normal levels. The company's loan growth prospects remain strong, driven by a solid pipeline and a disciplined approach to lending.

Credit Performance and Reserve Management

On the credit front, Bank7 Corp. saw strong performance, but increased its reserve due to growth in the portfolio and macro events. The decision to increase the reserve was driven by the need to maintain the integrity of its process, given the increased volatility in the macro world. This prudent approach to risk management is likely to serve the company well in the long run.

Mergers and Acquisitions

Bank7 Corp. remains active in M&A, with a disciplined approach and a focus on strategic combinations. While the overhang of AOCI is keeping some sellers on the bench, the company is eager to find opportunities that work strategically. The company has come close on a few transactions and is likely to continue to explore M&A opportunities.

Valuation and Outlook

With a Price-to-Tangible Book Value (P/TBV) ratio of 1.64, Bank7 Corp.'s valuation appears reasonable. The Dividend Yield stands at 2.36%, providing a relatively attractive return for income investors. Given the company's strong loan growth prospects and prudent risk management, the stock is likely to continue to perform well. Analysts estimate revenue growth at 2.2% next year, which is factored into the current valuation.

3. NewsRoom

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Bank7 Corp. Declares Quarterly Cash Dividend on Common Stock

Dec -04

Source: prnewswire.com

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Down 11.3% in 4 Weeks, Here's Why You Should You Buy the Dip in Bank7 (BSVN)

Oct -30

Source: zacks.com

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Here's Why Bank7 (BSVN) Could be Great Choice for a Bottom Fisher

Oct -21

Source: zacks.com

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Bank7 Should Have Jumped After A Strong Q3

Oct -16

Source: seekingalpha.com

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Bank7 Corp. (BSVN) Q3 2025 Earnings Call Transcript

Oct -15

Source: seekingalpha.com

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Bank7 (BSVN) Beats Q3 Earnings and Revenue Estimates

Oct -15

Source: zacks.com

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Bank7 Corp. Announces Q3 2025 Earnings

Oct -15

Source: prnewswire.com

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Bank7 Corp. Announces Third Quarter 2025 Earnings Conference Call

Oct -02

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: 7.0/10

Value: 6.4

Growth: 7.0

Quality: 7.9

Yield: 6.0

Momentum: 6.5

Volatility: 8.3

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Bank7

A-Score: 6.8/10

Value: 6.7

Growth: 8.7

Quality: 6.2

Yield: 5.0

Momentum: 7.0

Volatility: 7.0

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1st Source

A-Score: 6.4/10

Value: 6.6

Growth: 6.3

Quality: 7.1

Yield: 5.0

Momentum: 5.0

Volatility: 8.3

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NBH

A-Score: 6.1/10

Value: 6.6

Growth: 6.9

Quality: 6.1

Yield: 6.0

Momentum: 3.5

Volatility: 7.3

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MetroCity Bankshares

A-Score: 5.9/10

Value: 4.5

Growth: 7.1

Quality: 6.8

Yield: 6.0

Momentum: 3.5

Volatility: 7.7

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Evans Bancorp

A-Score: 5.0/10

Value: 4.7

Growth: 1.9

Quality: 6.0

Yield: 6.0

Momentum: 5.0

Volatility: 6.3

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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

41.99$

Current Price

41.99$

Potential

-0.00%

Expected Cash-Flows