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BANK7 CORP (BSVN) Stock Fundamental Analysis

NASDAQ:BSVN - US06652N1072 - Common Stock

48.89 USD
+0.45 (+0.93%)
Last: 9/8/2025, 12:21:13 PM
Fundamental Rating

4

Taking everything into account, BSVN scores 4 out of 10 in our fundamental rating. BSVN was compared to 391 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.


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 (2.41%) is better than 97.95% of its industry peers.
With an excellent Return On Equity value of 19.12%, BSVN belongs to the best of the industry, outperforming 97.70% of the companies in the same industry.
Industry RankSector 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
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

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.
BSVN does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector 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
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.
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.
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

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 RankSector Rank
Debt/Equity 0
Debt/FCF 0
Altman-Z N/A
ROIC/WACCN/A
WACC8.74%
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

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.
BSVN shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 42.98% yearly.
The Revenue has decreased by -2.21% in the past year.
The Revenue has been growing by 17.51% on average over the past years. This is quite good.
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

BSVN is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -5.48% yearly.
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-9.94%
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

The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
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

With a Price/Earnings ratio of 10.54, the valuation of BSVN can be described as very reasonable.
79.80% of the companies in the same industry are more expensive than BSVN, based on the Price/Earnings ratio.
Compared to an average S&P500 Price/Earnings ratio of 27.02, BSVN is valued rather cheaply.
The Price/Forward Earnings ratio is 11.31, which indicates a very decent valuation of BSVN.
Compared to the rest of the industry, the Price/Forward Earnings ratio of BSVN is on the same level as its industry peers.
The average S&P500 Price/Forward Earnings ratio is at 22.66. BSVN is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 10.54
Fwd PE 11.31
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

62.92% of the companies in the same industry are more expensive than BSVN, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 11.12
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 -5.48% in the coming years.
PEG (NY)N/A
PEG (5Y)0.25
EPS Next 2Y-5.48%
EPS Next 3YN/A

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4

5. Dividend

5.1 Amount

BSVN has a Yearly Dividend Yield of 2.17%.
BSVN's Dividend Yield is slightly below the industry average, which is at 3.56.
BSVN's Dividend Yield is comparable with the S&P500 average which is at 2.45.
Industry RankSector Rank
Dividend Yield 2.17%

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
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

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
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 (9/8/2025, 12:21:13 PM)

48.89

+0.45 (+0.93%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)07-17 2025-07-17/bmo
Earnings (Next)10-09 2025-10-09/bmo
Inst Owners33.1%
Inst Owner Change0.35%
Ins Owners6.71%
Ins Owner Change0.34%
Market Cap462.01M
Analysts80
Price Target54.06 (10.57%)
Short Float %1.67%
Short Ratio2.48
Dividend
Industry RankSector Rank
Dividend Yield 2.17%
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)14.8%
PT rev (3m)20%
EPS NQ rev (1m)1.91%
EPS NQ rev (3m)3.57%
EPS NY rev (1m)4.48%
EPS NY rev (3m)4.48%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)2.38%
Revenue NY rev (1m)0%
Revenue NY rev (3m)2.96%
Valuation
Industry RankSector Rank
PE 10.54
Fwd PE 11.31
P/S 4.81
P/FCF 11.12
P/OCF 9.85
P/B 1.99
P/tB 2.1
EV/EBITDA N/A
EPS(TTM)4.64
EY9.49%
EPS(NY)4.32
Fwd EY8.84%
FCF(TTM)4.4
FCFY8.99%
OCF(TTM)4.96
OCFY10.15%
SpS10.17
BVpS24.54
TBVpS23.26
PEG (NY)N/A
PEG (5Y)0.25
Profitability
Industry RankSector 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 RankSector 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
WACC8.74%
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-9.94%
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%