BANK7 CORP (BSVN) Stock Fundamental Analysis
USA - NASDAQ:BSVN - US06652N1072 - Common Stock
40.93 USD
-1.5 (-3.54%)
40.93 USD
0 (0%)
Overall BSVN gets a fundamental rating of 5 out of 10. We evaluated BSVN against 390 industry peers in the Banks industry. BSVN has only an average score on both its financial health and profitability. BSVN has a decent growth rate and is not valued too expensively.
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.
BSVN had positive earnings in each of the past 5 years.
BSVN had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
The Return On Assets of BSVN (2.41%) is better than 98.46% of its industry peers.
With an excellent Return On Equity value of 19.12%, BSVN belongs to the best of the industry, outperforming 97.95% of the companies in the same industry.
| 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
BSVN has a Profit Margin of 46.14%. This is amongst the best in the industry. BSVN outperforms 99.23% of its industry peers.
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
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.
BSVN has less shares outstanding than it did 5 years ago.
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
WACC8.63%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an nice 19.21% over the past year.
The Earnings Per Share has been growing by 42.98% on average over the past years. This is a very strong growth
BSVN shows a decrease in Revenue. In the last year, the revenue decreased by -4.90%.
BSVN shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 17.51% yearly.
EPS 1Y (TTM)19.21%
EPS 3Y23.81%
EPS 5Y42.98%
EPS Q2Q%-8.87%
Revenue 1Y (TTM)-4.9%
Revenue growth 3Y20.65%
Revenue growth 5Y17.51%
Sales Q2Q%1.37%
3.2 Future
Based on estimates for the next years, BSVN will show a decrease in Earnings Per Share. The EPS will decrease by -2.13% on average per year.
BSVN is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 2.85% yearly.
EPS Next Y-6.78%
EPS Next 2Y-5.97%
EPS Next 3Y-2.13%
EPS Next 5YN/A
Revenue Next Year0.45%
Revenue Next 2Y1.33%
Revenue Next 3Y2.85%
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 9.04, the valuation of BSVN can be described as very reasonable.
82.56% of the companies in the same industry are more expensive than BSVN, based on the Price/Earnings ratio.
BSVN is valuated cheaply when we compare the Price/Earnings ratio to 26.76, which is the current average of the S&P500 Index.
The Price/Forward Earnings ratio is 9.56, which indicates a very decent valuation of BSVN.
BSVN's Price/Forward Earnings is on the same level as the industry average.
BSVN's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.63.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.04 | ||
| Fwd PE | 9.56 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, BSVN is valued a bit cheaper than the industry average as 69.74% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 9.31 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
A cheap valuation may be justified as BSVN's earnings are expected to decrease with -2.13% in the coming years.
PEG (NY)N/A
PEG (5Y)0.21
EPS Next 2Y-5.97%
EPS Next 3Y-2.13%
5. Dividend
5.1 Amount
BSVN has a Yearly Dividend Yield of 2.52%.
BSVN's Dividend Yield is comparable with the industry average which is at 3.50.
BSVN's Dividend Yield is comparable with the S&P500 average which is at 2.31.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.52% |
5.2 History
On average, the dividend of BSVN grows each year by 73.25%, which is quite nice.
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-5.97%
EPS Next 3Y-2.13%
40.93
-1.5 (-3.54%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners35.23%
Inst Owner Change-0.59%
Ins Owners6.57%
Ins Owner Change0.34%
Market Cap386.79M
Revenue(TTM)96.41M
Net Income(TTM)44.33M
Analysts80
Price Target54.06 (32.08%)
Short Float %1.19%
Short Ratio2.71
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.52% |
Yearly Dividend0.87
Dividend Growth(5Y)73.25%
DP19.64%
Div Incr Years4
Div Non Decr Years4
Ex-Date
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)14.8%
EPS NQ rev (1m)0%
EPS NQ rev (3m)1.91%
EPS NY rev (1m)1.53%
EPS NY rev (3m)8.15%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.65%
Revenue NY rev (1m)2%
Revenue NY rev (3m)5.02%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.04 | ||
| Fwd PE | 9.56 | ||
| P/S | 4.03 | ||
| P/FCF | 9.31 | ||
| P/OCF | 8.25 | ||
| P/B | 1.67 | ||
| P/tB | 1.76 | ||
| EV/EBITDA | N/A |
EPS(TTM)4.53
EY11.07%
EPS(NY)4.28
Fwd EY10.46%
FCF(TTM)4.4
FCFY10.74%
OCF(TTM)4.96
OCFY12.13%
SpS10.17
BVpS24.54
TBVpS23.26
PEG (NY)N/A
PEG (5Y)0.21
Graham Number50.01
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
ROICexgc growth 3YN/A
ROICexgc 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
WACC8.63%
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)19.21%
EPS 3Y23.81%
EPS 5Y42.98%
EPS Q2Q%-8.87%
EPS Next Y-6.78%
EPS Next 2Y-5.97%
EPS Next 3Y-2.13%
EPS Next 5YN/A
Revenue 1Y (TTM)-4.9%
Revenue growth 3Y20.65%
Revenue growth 5Y17.51%
Sales Q2Q%1.37%
Revenue Next Year0.45%
Revenue Next 2Y1.33%
Revenue Next 3Y2.85%
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 FAQ
What is the ChartMill fundamental rating of BANK7 CORP (BSVN) stock?
ChartMill assigns a fundamental rating of 5 / 10 to BSVN.
What is the valuation status for BSVN stock?
ChartMill assigns a valuation rating of 5 / 10 to BANK7 CORP (BSVN). This can be considered as Fairly Valued.
What is the profitability of BSVN stock?
BANK7 CORP (BSVN) has a profitability rating of 5 / 10.
How financially healthy is BANK7 CORP?
The financial health rating of BANK7 CORP (BSVN) is 4 / 10.
Can you provide the expected EPS growth for BSVN stock?
The Earnings per Share (EPS) of BANK7 CORP (BSVN) is expected to decline by -6.78% in the next year.