BANK7 CORP(NASDAQ:BSVN) stock Fundamental Analysis

Fundamental Rating

Taking everything into account, BSVN scores 5 out of 10 in our fundamental rating. BSVN was compared to 405 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 has a correct valuation and a medium growth rate.

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1. Profitability

1.1 Basic Checks

BSVN had positive earnings in the past year.

BSVN had a positive operating cash flow in the past year.

Each year in the past 5 years BSVN has been profitable.

Of the past 5 years BSVN 4 years had a positive operating cash flow.

1.2 Ratios

BSVN has a better Return On Assets (2.05%) than 95.99% of its industry peers.

With an excellent Return On Equity value of 17.47%, BSVN belongs to the best of the industry, outperforming 94.49% of the companies in the same industry.

		Industry Rank	Sector Rank
ROA	2.05%
ROE	17.47%
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 better Profit Margin (35.17%) than 92.48% of its industry peers.

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 Rank	Sector Rank
OM	N/A
PM (TTM)	35.17%
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

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ROA

ROE

ROIC

Operating and Profit Margin

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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.

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.

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

WACC9.06%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 58.17% 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 small growth in Revenue. In the last year, the Revenue has grown by 6.16%.

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)58.17%

EPS 3Y23.81%

EPS 5Y42.98%

EPS Q2Q%866.67%

Revenue 1Y (TTM)6.16%

Revenue growth 3Y20.65%

Revenue growth 5Y17.51%

Sales Q2Q%-14%

3.2 Future

Based on estimates for the next years, BSVN will show a decrease in Earnings Per Share. The EPS will decrease by -6.49% on average per year.

The Revenue is expected to grow by 0.63% on average over the next years.

EPS Next Y-13.88%

EPS Next 2Y-6.49%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year-2.44%

Revenue Next 2Y0.63%

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.

The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.

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4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 8.29 indicates a reasonable valuation of BSVN.

90.73% of the companies in the same industry are more expensive than BSVN, based on the Price/Earnings ratio.

BSVN's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 29.63.

With a Price/Forward Earnings ratio of 9.63, the valuation of BSVN can be described as very reasonable.

Based on the Price/Forward Earnings ratio, BSVN is valued a bit cheaper than the industry average as 76.19% of the companies are valued more expensively.

BSVN's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.68.

		Industry Rank	Sector Rank
PE	8.29
Fwd PE	9.63

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, BSVN is valued cheaply inside the industry as 87.22% of the companies are valued more expensively.

		Industry Rank	Sector Rank
P/FCF	6.85
EV/EBITDA	N/A

4.3 Compensation for Growth

BSVN's earnings are expected to decrease with -6.49% in the coming years. This may justify a cheaper valuation.

PEG (NY)N/A

PEG (5Y)0.19

EPS Next 2Y-6.49%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

BSVN has a Yearly Dividend Yield of 2.30%.

Compared to an average industry Dividend Yield of 3.18, BSVN is paying slightly less dividend.

Compared to an average S&P500 Dividend Yield of 2.27, BSVN has a dividend comparable with the average S&P500 company.

		Industry Rank	Sector Rank
Dividend Yield	2.3%

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

21.73% of the earnings are spent on dividend by BSVN. This is a low number and sustainable payout ratio.

DP21.73%

EPS Next 2Y-6.49%

EPS Next 3YN/A

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BANK7 CORP

NASDAQ:BSVN (2/21/2025, 8:04:27 PM)

After market: 40.12 0 (0%)

40.12

-1.69 (-4.04%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)01-16 2025-01-16/bmo

Earnings (Next)04-10 2025-04-10/bmo

Inst Owners36.29%

Inst Owner Change-94.04%

Ins Owners6.8%

Ins Owner Change0.4%

Market Cap376.73M

Analysts80

Price Target53.38 (33.05%)

Short Float %1.96%

Short Ratio3.41

Dividend

		Industry Rank	Sector Rank
Dividend Yield	2.3%

Yearly Dividend0.69

Dividend Growth(5Y)73.25%

DP21.73%

Div Incr Years3

Div Non Decr Years3

Ex-DateN/A

Surprises & Revisions

EPS beat(2)2

Avg EPS beat(2)14.64%

Min EPS beat(2)13.47%

Max EPS beat(2)15.8%

EPS beat(4)4

Avg EPS beat(4)19.43%

Min EPS beat(4)12.69%

Max EPS beat(4)35.74%

EPS beat(8)6

Avg EPS beat(8)8.43%

EPS beat(12)7

Avg EPS beat(12)5.34%

EPS beat(16)11

Avg EPS beat(16)6.13%

Revenue beat(2)2

Avg Revenue beat(2)4.68%

Min Revenue beat(2)4.62%

Max Revenue beat(2)4.74%

Revenue beat(4)3

Avg Revenue beat(4)7.69%

Min Revenue beat(4)-6.01%

Max Revenue beat(4)27.4%

Revenue beat(8)5

Avg Revenue beat(8)3.69%

Revenue beat(12)7

Avg Revenue beat(12)2.93%

Revenue beat(16)11

Avg Revenue beat(16)3.78%

PT rev (1m)0.64%

PT rev (3m)13.77%

EPS NQ rev (1m)0%

EPS NQ rev (3m)0%

EPS NY rev (1m)-0.16%

EPS NY rev (3m)0.16%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)0%

Revenue NY rev (1m)-0.11%

Revenue NY rev (3m)-1.3%

Valuation

		Industry Rank	Sector Rank
PE	8.29
Fwd PE	9.63
P/S	3.72
P/FCF	6.85
P/OCF	6.48
P/B	1.85
P/tB	1.93
EV/EBITDA	N/A

EPS(TTM)4.84

EY12.06%

EPS(NY)4.17

Fwd EY10.39%

FCF(TTM)5.86

FCFY14.6%

OCF(TTM)6.19

OCFY15.42%

SpS10.8

BVpS21.74

TBVpS20.75

PEG (NY)N/A

PEG (5Y)0.19

Profitability

		Industry Rank	Sector Rank
ROA	2.05%
ROE	17.47%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	35.17%
GM	N/A
FCFM	54.24%

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 Turnover0.06

Health

		Industry Rank	Sector Rank
Debt/Equity	0
Debt/FCF	0
Debt/EBITDA	N/A
Cap/Depr	273.4%
Cap/Sales	3.08%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	154.2%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score7

WACC9.06%

ROIC/WACCN/A

Cap/Depr(3y)N/A

Cap/Depr(5y)N/A

Cap/Sales(3y)N/A

Cap/Sales(5y)N/A

Profit Quality(3y)N/A

Profit Quality(5y)N/A

High Growth Momentum

Growth

EPS 1Y (TTM)58.17%

EPS 3Y23.81%

EPS 5Y42.98%

EPS Q2Q%866.67%

EPS Next Y-13.88%

EPS Next 2Y-6.49%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)6.16%

Revenue growth 3Y20.65%

Revenue growth 5Y17.51%

Sales Q2Q%-14%

Revenue Next Year-2.44%

Revenue Next 2Y0.63%

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 1Y37.05%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y35.96%

OCF growth 3YN/A

OCF growth 5YN/A

BANK7 CORP (BSVN) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens