BANK7 CORP(NASDAQ:BSVN) stock Fundamental Analysis

Fundamental Rating

Overall BSVN gets a fundamental rating of 5 out of 10. We evaluated BSVN against 398 industry peers in the Banks industry. BSVN has an average financial health and profitability rating. BSVN is not valued too expensively and it also shows a decent growth rate.

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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

Looking at the Return On Assets, with a value of 2.63%, BSVN belongs to the top of the industry, outperforming 98.74% of the companies in the same industry.

BSVN's Return On Equity of 21.43% is amongst the best of the industry. BSVN outperforms 98.49% of its industry peers.

		Industry Rank	Sector Rank
ROA	2.63%
ROE	21.43%
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 Profit Margin of 46.89%. This is amongst the best in the industry. BSVN outperforms 99.25% 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)	46.89%
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.

Compared to 1 year ago, BSVN has more shares outstanding

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

WACC8.93%

2.3 Liquidity

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

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WACC

Debt/Equity

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Altman-Z score

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3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 56.97% 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

Looking at the last year, BSVN shows a small growth in Revenue. The Revenue has grown by 0.94% in the last year.

Measured over the past years, BSVN shows a quite strong growth in Revenue. The Revenue has been growing by 17.51% on average per year.

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

BSVN is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -7.39% yearly.

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

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

With a Price/Earnings ratio of 7.14, the valuation of BSVN can be described as very cheap.

Based on the Price/Earnings ratio, BSVN is valued cheaper than 94.47% of the companies in the same industry.

Compared to an average S&P500 Price/Earnings ratio of 28.78, BSVN is valued rather cheaply.

The Price/Forward Earnings ratio is 8.72, which indicates a very decent valuation of BSVN.

66.58% of the companies in the same industry are more expensive than BSVN, based on the Price/Forward Earnings ratio.

BSVN's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 21.32.

		Industry Rank	Sector Rank
PE	7.14
Fwd PE	8.72

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, BSVN is valued cheaply inside the industry as 85.68% of the companies are valued more expensively.

		Industry Rank	Sector Rank
P/FCF	6.73
EV/EBITDA	N/A

4.3 Compensation for Growth

BSVN's earnings are expected to decrease with -7.39% in the coming years. This may justify a cheaper valuation.

PEG (NY)N/A

PEG (5Y)0.17

EPS Next 2Y-7.39%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

BSVN has a Yearly Dividend Yield of 2.65%. Purely for dividend investing, there may be better candidates out there.

Compared to an average industry Dividend Yield of 3.52, BSVN is paying slightly less dividend.

Compared to an average S&P500 Dividend Yield of 2.46, BSVN has a dividend comparable with the average S&P500 company.

		Industry Rank	Sector Rank
Dividend Yield	2.65%

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

17.63% of the earnings are spent on dividend by BSVN. This is a low number and sustainable payout ratio.

DP17.63%

EPS Next 2Y-7.39%

EPS Next 3YN/A

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BANK7 CORP

NASDAQ:BSVN (4/25/2025, 8:00:01 PM)

After market: 36.2 0 (0%)

36.2

+0.02 (+0.06%)

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 Change0.12%

Ins Owners6.8%

Ins Owner Change0.43%

Market Cap342.09M

Analysts80

Price Target45.05 (24.45%)

Short Float %1.97%

Short Ratio2.73

Dividend

		Industry Rank	Sector Rank
Dividend Yield	2.65%

Yearly Dividend0.87

Dividend Growth(5Y)73.25%

DP17.63%

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)9.11%

Min EPS beat(2)4.75%

Max EPS beat(2)13.47%

EPS beat(4)4

Avg EPS beat(4)11.68%

Min EPS beat(4)4.75%

Max EPS beat(4)15.8%

EPS beat(8)7

Avg EPS beat(8)9.98%

EPS beat(12)8

Avg EPS beat(12)6.12%

EPS beat(16)11

Avg EPS beat(16)6.03%

Revenue beat(2)2

Avg Revenue beat(2)2.71%

Min Revenue beat(2)0.68%

Max Revenue beat(2)4.74%

Revenue beat(4)3

Avg Revenue beat(4)1.01%

Min Revenue beat(4)-6.01%

Max Revenue beat(4)4.74%

Revenue beat(8)5

Avg Revenue beat(8)3.43%

Revenue beat(12)7

Avg Revenue beat(12)2.93%

Revenue beat(16)11

Avg Revenue beat(16)3.48%

PT rev (1m)-15.6%

PT rev (3m)-15.06%

EPS NQ rev (1m)-1%

EPS NQ rev (3m)-1.06%

EPS NY rev (1m)0.09%

EPS NY rev (3m)-0.07%

Revenue NQ rev (1m)-0.13%

Revenue NQ rev (3m)-1.36%

Revenue NY rev (1m)-1.96%

Revenue NY rev (3m)-2.07%

Valuation

		Industry Rank	Sector Rank
PE	7.14
Fwd PE	8.72
P/S	3.51
P/FCF	6.73
P/OCF	6.21
P/B	1.6
P/tB	1.68
EV/EBITDA	N/A

EPS(TTM)5.07

EY14.01%

EPS(NY)4.15

Fwd EY11.47%

FCF(TTM)5.38

FCFY14.86%

OCF(TTM)5.82

OCFY16.09%

SpS10.31

BVpS22.56

TBVpS21.57

PEG (NY)N/A

PEG (5Y)0.17

Profitability

		Industry Rank	Sector Rank
ROA	2.63%
ROE	21.43%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	46.89%
GM	N/A
FCFM	52.18%

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 Turnover0.06

Health

		Industry Rank	Sector Rank
Debt/Equity	0
Debt/FCF	0
Debt/EBITDA	N/A
Cap/Depr	397.07%
Cap/Sales	4.31%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	111.27%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score8

WACC8.93%

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 1Y9.85%

FCF growth 3Y20.09%

FCF growth 5Y25.89%

OCF growth 1Y12.05%

OCF growth 3Y22.48%

OCF growth 5Y23.47%

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