BANK7 CORP (BSVN)
US06652N1072 - Common Stock
BSVN gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 411 industry peers in the Banks industry. BSVN has an average financial health and profitability rating. A decent growth rate in combination with a cheap valuation! Better keep an eye on BSVN.
1. Profitability
1.1 Basic Checks
In the past year BSVN was profitable.
BSVN had a positive operating cash flow in the past year.
Each year in the past 5 years BSVN has been profitable.
BSVN had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
Looking at the Return On Assets, with a value of 1.60%, BSVN belongs to the top of the industry, outperforming 92.23% of the companies in the same industry.
The Return On Equity of BSVN (16.60%) is better than 94.42% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.6% | ||
| ROE | 16.6% | ||
| ROIC | N/A |
ROA(3y)1.73%
ROA(5y)1.61%
ROE(3y)18.45%
ROE(5y)16.31%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
BSVN has a Profit Margin of 30.81%. This is amongst the best in the industry. BSVN outperforms 82.28% of its industry peers.
BSVN's Profit Margin has declined in the last couple of years.
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) | 30.81% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-7.93%
PM growth 5Y-12.78%
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.
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.
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.
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
WACC9.02%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
BSVN shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -9.78%.
Measured over the past 5 years, BSVN shows a small growth in Earnings Per Share. The EPS has been growing by 0.15% on average per year.
BSVN shows a strong growth in Revenue. In the last year, the Revenue has grown by 21.72%.
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)-9.78%
EPS 3Y14.29%
EPS 5Y0.15%
EPS growth Q2Q16.35%
Revenue 1Y (TTM)21.72%
Revenue growth 3Y23.41%
Revenue growth 5Y17.51%
Revenue growth Q2Q16.15%
3.2 Future
The Earnings Per Share is expected to grow by 16.09% on average over the next years. This is quite good.
The Revenue is expected to grow by 8.02% on average over the next years. This is quite good.
EPS Next Y40.51%
EPS Next 2Y16.09%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year18.14%
Revenue Next 2Y8.02%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better 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.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 9.14, the valuation of BSVN can be described as reasonable.
67.96% of the companies in the same industry are more expensive than BSVN, based on the Price/Earnings ratio.
When comparing the Price/Earnings ratio of BSVN to the average of the S&P500 Index (28.60), we can say BSVN is valued rather cheaply.
With a Price/Forward Earnings ratio of 7.16, the valuation of BSVN can be described as very cheap.
Based on the Price/Forward Earnings ratio, BSVN is valued cheaply inside the industry as 83.98% of the companies are valued more expensively.
Compared to an average S&P500 Price/Forward Earnings ratio of 20.15, BSVN is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.14 | ||
| Fwd PE | 7.16 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, BSVN is valued cheaply inside the industry as 84.95% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 5.89 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
BSVN's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
BSVN's earnings are expected to grow with 16.09% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.23
PEG (5Y)63.03
EPS Next 2Y16.09%
EPS Next 3YN/A
5. Dividend
5.1 Amount
BSVN has a Yearly Dividend Yield of 2.79%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 3.65, BSVN is paying slightly less dividend.
Compared to an average S&P500 Dividend Yield of 2.32, BSVN pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.79% |
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
5.3 Sustainability
BSVN pays out 22.36% of its income as dividend. This is a sustainable payout ratio.
BSVN's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP22.36%
EPS Next 2Y16.09%
EPS Next 3YN/A
BANK7 CORP
NASDAQ:BSVN (5/17/2024, 7:00:02 PM)
After market: 29.53 0 (0%)29.53
-0.53 (-1.76%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap272.86M
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.79% |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
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EPS beat(4)
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EPS beat(8)
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EPS beat(12)
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EPS beat(16)
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Revenue beat(2)
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Revenue beat(4)
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Revenue beat(8)
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Revenue beat(12)
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Revenue beat(16)
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PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.14 | ||
| Fwd PE | 7.16 | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)0.23
PEG (5Y)63.03
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.6% | ||
| ROE | 16.6% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | 30.81% | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.05
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)-9.78%
EPS 3Y14.29%
EPS 5Y
EPS growth Q2Q
EPS Next Y40.51%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)21.72%
Revenue growth 3Y23.41%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y