BANK7 CORP (BSVN) Stock Fundamental Analysis
NASDAQ:BSVN - Nasdaq - US06652N1072 - Common Stock - Currency: USD
Taking everything into account, BSVN scores 4 out of 10 in our fundamental rating. BSVN was compared to 395 industry peers in the Banks industry. BSVN has an average financial health and profitability rating. BSVN has a correct valuation and a medium growth rate.
1. Profitability
1.1 Basic Checks
BSVN had positive earnings in the past year.
In the past year BSVN had a positive cash flow from operations.
In the past 5 years BSVN has always been profitable.
Each year in the past 5 years BSVN had a positive operating cash flow.
1.2 Ratios
The Return On Assets of BSVN (2.51%) is better than 98.23% of its industry peers.
The Return On Equity of BSVN (20.19%) is better than 97.97% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.51% | ||
| ROE | 20.19% | ||
| 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
The Profit Margin of BSVN (46.60%) is better than 99.24% of its industry peers.
BSVN's Profit Margin has improved in the last couple of years.
BSVN does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 46.6% | ||
| 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.
The number of shares outstanding for BSVN has been reduced compared to 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
There is no outstanding debt for BSVN. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC9.15%
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 impressive 56.97% over the past year.
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.
BSVN shows a small growth in Revenue. In the last year, the Revenue has grown by 0.94%.
The Revenue has been growing by 17.51% on average over the past years. This is quite good.
EPS 1Y (TTM)56.97%
EPS 3Y23.81%
EPS 5Y42.98%
EPS Q2Q%19.01%
Revenue 1Y (TTM)0.94%
Revenue growth 3Y20.65%
Revenue growth 5Y17.51%
Sales Q2Q%-5.92%
3.2 Future
Based on estimates for the next years, BSVN will show a decrease in Earnings Per Share. The EPS will decrease by -7.39% on average per year.
BSVN is expected to show a decrease in Revenue. In the coming years, the Revenue will decrease by -0.49% yearly.
EPS Next Y-13.81%
EPS Next 2Y-7.39%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-4.35%
Revenue Next 2Y-0.49%
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.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 7.52, the valuation of BSVN can be described as very cheap.
Based on the Price/Earnings ratio, BSVN is valued cheaply inside the industry as 93.92% of the companies are valued more expensively.
Compared to an average S&P500 Price/Earnings ratio of 26.35, BSVN is valued rather cheaply.
The Price/Forward Earnings ratio is 9.18, which indicates a very decent valuation of BSVN.
The rest of the industry has a similar Price/Forward Earnings ratio as BSVN.
BSVN is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.20, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.52 | ||
| Fwd PE | 9.18 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, BSVN is valued a bit cheaper than the industry average as 66.08% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 9.17 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
A cheap valuation may be justified as BSVN's earnings are expected to decrease with -7.39% in the coming years.
PEG (NY)N/A
PEG (5Y)0.17
EPS Next 2Y-7.39%
EPS Next 3YN/A
5. Dividend
5.1 Amount
BSVN has a Yearly Dividend Yield of 2.56%.
BSVN's Dividend Yield is slightly below the industry average, which is at 3.45.
BSVN's Dividend Yield is comparable with the S&P500 average which is at 2.40.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.56% |
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 Years3
Div Non Decr Years3
5.3 Sustainability
BSVN pays out 18.73% of its income as dividend. This is a sustainable payout ratio.
DP18.73%
EPS Next 2Y-7.39%
EPS Next 3YN/A
NASDAQ:BSVN (5/27/2025, 8:05:00 PM)
38.11
+0.72 (+1.93%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners36.29%
Inst Owner Change-4.45%
Ins Owners6.8%
Ins Owner Change0.44%
Market Cap360.14M
Analysts80
Price Target45.05 (18.21%)
Short Float %2.24%
Short Ratio2.91
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.56% |
Yearly Dividend0.87
Dividend Growth(5Y)73.25%
DP18.73%
Div Incr Years3
Div Non Decr Years3
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)23.41%
Min EPS beat(2)4.75%
Max EPS beat(2)42.08%
EPS beat(4)4
Avg EPS beat(4)19.03%
Min EPS beat(4)4.75%
Max EPS beat(4)42.08%
EPS beat(8)7
Avg EPS beat(8)14.48%
EPS beat(12)9
Avg EPS beat(12)9.67%
EPS beat(16)11
Avg EPS beat(16)8.27%
Revenue beat(2)1
Avg Revenue beat(2)-0.55%
Min Revenue beat(2)-1.78%
Max Revenue beat(2)0.68%
Revenue beat(4)3
Avg Revenue beat(4)2.06%
Min Revenue beat(4)-1.78%
Max Revenue beat(4)4.74%
Revenue beat(8)5
Avg Revenue beat(8)3.49%
Revenue beat(12)7
Avg Revenue beat(12)3.23%
Revenue beat(16)10
Avg Revenue beat(16)3.17%
PT rev (1m)-13.11%
PT rev (3m)-15.6%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-0.86%
EPS NY rev (1m)0%
EPS NY rev (3m)0.09%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.89%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-1.96%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.52 | ||
| Fwd PE | 9.18 | ||
| P/S | 3.75 | ||
| P/FCF | 9.17 | ||
| P/OCF | 7.9 | ||
| P/B | 1.62 | ||
| P/tB | 1.72 | ||
| EV/EBITDA | N/A |
EPS(TTM)5.07
EY13.3%
EPS(NY)4.15
Fwd EY10.89%
FCF(TTM)4.16
FCFY10.9%
OCF(TTM)4.83
OCFY12.66%
SpS10.16
BVpS23.46
TBVpS22.18
PEG (NY)N/A
PEG (5Y)0.17
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.51% | ||
| ROE | 20.19% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 46.6% | ||
| GM | N/A | ||
| FCFM | 40.89% |
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-Score8
Asset Turnover0.05
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 625.07% | ||
| Cap/Sales | 6.59% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 87.75% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score8
WACC9.15%
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)56.97%
EPS 3Y23.81%
EPS 5Y42.98%
EPS Q2Q%19.01%
EPS Next Y-13.81%
EPS Next 2Y-7.39%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)0.94%
Revenue growth 3Y20.65%
Revenue growth 5Y17.51%
Sales Q2Q%-5.92%
Revenue Next Year-4.35%
Revenue Next 2Y-0.49%
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 1Y-3.48%
FCF growth 3Y20.09%
FCF growth 5Y25.89%
OCF growth 1Y10.89%
OCF growth 3Y22.48%
OCF growth 5Y23.47%