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BANK7 CORP (BSVN) Stock Fundamental Analysis

NASDAQ:BSVN - Nasdaq - US06652N1072 - Common Stock - Currency: USD

38.2  +0.09 (+0.24%)

After market: 38.2 0 (0%)

Fundamental Rating

4

BSVN gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 395 industry peers in the Banks industry. Both the profitability and the financial health of BSVN get a neutral evaluation. Nothing too spectacular is happening here. BSVN is not valued too expensively and it also shows a decent growth rate.


Dividend Valuation Growth Profitability Health

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5

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.
Each year in the past 5 years BSVN has been profitable.
Each year in the past 5 years BSVN had a positive operating cash flow.
BSVN Yearly Net Income VS EBIT VS OCF VS FCFBSVN Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M 50M

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 RankSector 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
BSVN Yearly ROA, ROE, ROICBSVN Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

1.3 Margins

The Profit Margin of BSVN (46.60%) is better than 99.24% 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 RankSector 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
BSVN Yearly Profit, Operating, Gross MarginsBSVN Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20 40 60

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4

2. Health

2.1 Basic Checks

BSVN does not have a ROIC to compare to the WACC, probably because it is not profitable.
BSVN has more shares outstanding than it did 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.
BSVN Yearly Shares OutstandingBSVN Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2M 4M 6M 8M 10M
BSVN Yearly Total Debt VS Total AssetsBSVN Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B

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 RankSector Rank
Debt/Equity 0
Debt/FCF 0
Altman-Z N/A
ROIC/WACCN/A
WACC9.07%
BSVN Yearly LT Debt VS Equity VS FCFBSVN Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M 200M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
BSVN Yearly Current Assets VS Current LiabilitesBSVN Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2M 4M 6M 8M 10M

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4

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.
The Revenue has been growing slightly by 0.94% in the past year.
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)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

The Earnings Per Share is expected to decrease by -7.39% on average over the next years.
The Revenue is expected to decrease by -0.49% on average over the next years.
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.
BSVN Yearly Revenue VS EstimatesBSVN Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 20M 40M 60M 80M
BSVN Yearly EPS VS EstimatesBSVN Yearly EPS VS EstimatesYearly EPS VS Estimates 2018 2019 2020 2021 2022 2023 2024 2025 2026 1 2 3 4

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5

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 7.53, which indicates a rather cheap valuation of BSVN.
Based on the Price/Earnings ratio, BSVN is valued cheaper than 93.92% of the companies in the same industry.
BSVN's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.17.
BSVN is valuated reasonably with a Price/Forward Earnings ratio of 9.20.
BSVN's Price/Forward Earnings ratio is in line with the industry average.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.10, BSVN is valued rather cheaply.
Industry RankSector Rank
PE 7.53
Fwd PE 9.2
BSVN Price Earnings VS Forward Price EarningsBSVN Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, BSVN is valued a bit cheaper than the industry average as 66.33% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 9.19
EV/EBITDA N/A
BSVN Per share dataBSVN EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20

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)0.18
EPS Next 2Y-7.39%
EPS Next 3YN/A

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4

5. Dividend

5.1 Amount

BSVN has a Yearly Dividend Yield of 2.56%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 3.45, BSVN is paying slightly less dividend.
BSVN's Dividend Yield is comparable with the S&P500 average which is at 2.40.
Industry RankSector Rank
Dividend Yield 2.56%

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 Years3
Div Non Decr Years3
BSVN Yearly Dividends per shareBSVN Yearly Dividends per shareYearly Dividends per share 2019 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6 0.8

5.3 Sustainability

18.73% of the earnings are spent on dividend by BSVN. This is a low number and sustainable payout ratio.
DP18.73%
EPS Next 2Y-7.39%
EPS Next 3YN/A
BSVN Yearly Income VS Free CF VS DividendBSVN Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M 50M
BSVN Dividend Payout.BSVN Dividend Payout, showing the Payout Ratio.BSVN Dividend Payout.PayoutRetained Earnings

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BANK7 CORP

NASDAQ:BSVN (5/28/2025, 8:22:15 PM)

After market: 38.2 0 (0%)

38.2

+0.09 (+0.24%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-10 2025-04-10/bmo
Earnings (Next)07-09 2025-07-09/bmo
Inst Owners36.29%
Inst Owner Change-4.45%
Ins Owners6.8%
Ins Owner Change0.44%
Market Cap360.99M
Analysts80
Price Target45.05 (17.93%)
Short Float %2.24%
Short Ratio2.91
Dividend
Industry RankSector Rank
Dividend Yield 2.56%
Yearly Dividend0.87
Dividend Growth(5Y)73.25%
DP18.73%
Div Incr Years3
Div Non Decr Years3
Ex-Date03-20 2025-03-20 (0.24)
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 RankSector Rank
PE 7.53
Fwd PE 9.2
P/S 3.76
P/FCF 9.19
P/OCF 7.92
P/B 1.63
P/tB 1.72
EV/EBITDA N/A
EPS(TTM)5.07
EY13.27%
EPS(NY)4.15
Fwd EY10.87%
FCF(TTM)4.16
FCFY10.88%
OCF(TTM)4.83
OCFY12.63%
SpS10.16
BVpS23.46
TBVpS22.18
PEG (NY)N/A
PEG (5Y)0.18
Profitability
Industry RankSector 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 RankSector 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
WACC9.07%
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%