BSVN Fundamental Analysis - BANK7 CORP

Fundamental Rating

Taking everything into account, BSVN scores 4 out of 10 in our fundamental rating. BSVN was compared to 392 industry peers in the Banks industry. BSVN has an average financial health and profitability rating. BSVN has a decent growth rate and is not valued too expensively.

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1. Profitability

1.1 Basic Checks

In the past year BSVN was profitable.

In the past year BSVN had a positive cash flow from operations.

In the past 5 years BSVN has always been profitable.

BSVN had a positive operating cash flow in each of the past 5 years.

1.2 Ratios

BSVN's Return On Assets of 2.41% is amongst the best of the industry. BSVN outperforms 98.21% of its industry peers.

BSVN's Return On Equity of 19.12% is amongst the best of the industry. BSVN outperforms 97.96% of its industry peers.

		Industry Rank	Sector Rank
ROA	2.41%
ROE	19.12%
ROIC	N/A

ROA(3y)2.03%

ROA(5y)1.94%

ROE(3y)19.53%

ROE(5y)18.95%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

With an excellent Profit Margin value of 46.14%, BSVN belongs to the best of the industry, outperforming 99.23% of the companies in the same industry.

In the last couple of years the Profit Margin of BSVN has grown nicely.

The Operating Margin and Gross Margin are not available for BSVN so they could not be analyzed.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	46.14%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y3.96%

PM growth 5Y19.91%

GM growth 3YN/A

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

BSVN does not have a ROIC to compare to the WACC, probably because it is not profitable.

The number of shares outstanding for BSVN has been increased compared to 1 year ago.

Compared to 5 years ago, BSVN has less shares outstanding

BSVN has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.

2.2 Solvency

BSVN has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.

		Industry Rank	Sector Rank
Debt/Equity	0
Debt/FCF	0
Altman-Z	N/A

ROIC/WACCN/A

WACC8.84%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

BSVN shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 36.07%, which is quite impressive.

Measured over the past years, BSVN shows a very strong growth in Earnings Per Share. The EPS has been growing by 42.98% on average per year.

Looking at the last year, BSVN shows a decrease in Revenue. The Revenue has decreased by -2.21% in the last year.

Measured over the past years, BSVN shows a quite strong growth in Revenue. The Revenue has been growing by 17.51% on average per year.

EPS 1Y (TTM)36.07%

EPS 3Y23.81%

EPS 5Y42.98%

EPS Q2Q%-5.69%

Revenue 1Y (TTM)-2.21%

Revenue growth 3Y20.65%

Revenue growth 5Y17.51%

Sales Q2Q%0.17%

3.2 Future

Based on estimates for the next years, BSVN will show a decrease in Earnings Per Share. The EPS will decrease by -5.48% on average per year.

BSVN is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 1.38% yearly.

EPS Next Y-8.19%

EPS Next 2Y-5.48%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year-1.53%

Revenue Next 2Y1.38%

Revenue Next 3YN/A

Revenue Next 5YN/A

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.

The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.

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4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 10.05 indicates a reasonable valuation of BSVN.

Based on the Price/Earnings ratio, BSVN is valued cheaper than 80.36% of the companies in the same industry.

BSVN is valuated cheaply when we compare the Price/Earnings ratio to 27.54, which is the current average of the S&P500 Index.

The Price/Forward Earnings ratio is 10.78, which indicates a very decent valuation of BSVN.

The rest of the industry has a similar Price/Forward Earnings ratio as BSVN.

Compared to an average S&P500 Price/Forward Earnings ratio of 23.05, BSVN is valued rather cheaply.

		Industry Rank	Sector Rank
PE	10.05
Fwd PE	10.78

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, BSVN is valued a bit cheaper than the industry average as 63.01% of the companies are valued more expensively.

		Industry Rank	Sector Rank
P/FCF	10.6
EV/EBITDA	N/A

4.3 Compensation for Growth

BSVN's earnings are expected to decrease with -5.48% in the coming years. This may justify a cheaper valuation.

PEG (NY)N/A

PEG (5Y)0.23

EPS Next 2Y-5.48%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 2.26%, BSVN has a reasonable but not impressive dividend return.

Compared to an average industry Dividend Yield of 3.52, BSVN is paying slightly less dividend.

Compared to an average S&P500 Dividend Yield of 2.41, BSVN has a dividend comparable with the average S&P500 company.

		Industry Rank	Sector Rank
Dividend Yield	2.26%

5.2 History

The dividend of BSVN is nicely growing with an annual growth rate of 73.25%!

BSVN has been paying a dividend for over 5 years, so it has already some track record.

BSVN has not decreased its dividend in the last 3 years.

Dividend Growth(5Y)73.25%

Div Incr Years4

Div Non Decr Years4

5.3 Sustainability

BSVN pays out 19.64% of its income as dividend. This is a sustainable payout ratio.

DP19.64%

EPS Next 2Y-5.48%

EPS Next 3YN/A

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BANK7 CORP

NASDAQ:BSVN (9/29/2025, 12:19:13 PM)

46.61

-0.92 (-1.94%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)07-17 2025-07-17/bmo

Earnings (Next)10-23 2025-10-23/bmo

Inst Owners35.23%

Inst Owner Change0.35%

Ins Owners6.57%

Ins Owner Change0.34%

Market Cap440.46M

Analysts80

Price Target54.06 (15.98%)

Short Float %1.46%

Short Ratio2.71

Dividend

		Industry Rank	Sector Rank
Dividend Yield	2.26%

Yearly Dividend0.87

Dividend Growth(5Y)73.25%

DP19.64%

Div Incr Years4

Div Non Decr Years4

Ex-Date09-19 2025-09-19 (0.27)

Surprises & Revisions

EPS beat(2)2

Avg EPS beat(2)10.14%

Min EPS beat(2)6.56%

Max EPS beat(2)13.73%

EPS beat(4)4

Avg EPS beat(4)9.63%

Min EPS beat(4)4.75%

Max EPS beat(4)13.73%

EPS beat(8)7

Avg EPS beat(8)10.8%

EPS beat(12)10

Avg EPS beat(12)7.98%

EPS beat(16)11

Avg EPS beat(16)5.91%

Revenue beat(2)1

Avg Revenue beat(2)1.88%

Min Revenue beat(2)-1.78%

Max Revenue beat(2)5.54%

Revenue beat(4)3

Avg Revenue beat(4)2.29%

Min Revenue beat(4)-1.78%

Max Revenue beat(4)5.54%

Revenue beat(8)6

Avg Revenue beat(8)4.64%

Revenue beat(12)8

Avg Revenue beat(12)3.71%

Revenue beat(16)10

Avg Revenue beat(16)2.54%

PT rev (1m)0%

PT rev (3m)20%

EPS NQ rev (1m)0%

EPS NQ rev (3m)6.11%

EPS NY rev (1m)1.95%

EPS NY rev (3m)6.52%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)4.31%

Revenue NY rev (1m)0%

Revenue NY rev (3m)2.96%

Valuation

		Industry Rank	Sector Rank
PE	10.05
Fwd PE	10.78
P/S	4.58
P/FCF	10.6
P/OCF	9.39
P/B	1.9
P/tB	2
EV/EBITDA	N/A

EPS(TTM)4.64

EY9.95%

EPS(NY)4.32

Fwd EY9.28%

FCF(TTM)4.4

FCFY9.43%

OCF(TTM)4.96

OCFY10.65%

SpS10.17

BVpS24.54

TBVpS23.26

PEG (NY)N/A

PEG (5Y)0.23

Profitability

		Industry Rank	Sector Rank
ROA	2.41%
ROE	19.12%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	46.14%
GM	N/A
FCFM	43.24%

ROA(3y)2.03%

ROA(5y)1.94%

ROE(3y)19.53%

ROE(5y)18.95%

ROIC(3y)N/A

ROIC(5y)N/A

ROICexc(3y)N/A

ROICexc(5y)N/A

ROICexgc(3y)N/A

ROICexgc(5y)N/A

ROCE(3y)N/A

ROCE(5y)N/A

ROICexcg growth 3YN/A

ROICexcg growth 5YN/A

ROICexc growth 3YN/A

ROICexc growth 5YN/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y3.96%

PM growth 5Y19.91%

GM growth 3YN/A

GM growth 5YN/A

F-Score7

Asset Turnover0.05

Health

		Industry Rank	Sector Rank
Debt/Equity	0
Debt/FCF	0
Debt/EBITDA	N/A
Cap/Depr	515.48%
Cap/Sales	5.58%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	93.71%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score7

WACC8.84%

ROIC/WACCN/A

Cap/Depr(3y)211.77%

Cap/Depr(5y)146.78%

Cap/Sales(3y)2.6%

Cap/Sales(5y)1.96%

Profit Quality(3y)136%

Profit Quality(5y)132.69%

High Growth Momentum

Growth

EPS 1Y (TTM)36.07%

EPS 3Y23.81%

EPS 5Y42.98%

EPS Q2Q%-5.69%

EPS Next Y-8.19%

EPS Next 2Y-5.48%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)-2.21%

Revenue growth 3Y20.65%

Revenue growth 5Y17.51%

Sales Q2Q%0.17%

Revenue Next Year-1.53%

Revenue Next 2Y1.38%

Revenue Next 3YN/A

Revenue Next 5YN/A

EBIT growth 1YN/A

EBIT growth 3YN/A

EBIT growth 5YN/A

EBIT Next YearN/A

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y27.31%

FCF growth 3Y20.09%

FCF growth 5Y25.89%

OCF growth 1Y34.31%

OCF growth 3Y22.48%

OCF growth 5Y23.47%

BANK7 CORP (BSVN) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

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5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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