Bank7 Corp. (BSVN) Stock Analysis

Why this analysis is different

• A sector-relative MoonshotScore — five pillars (business quality, financial safety, valuation, growth durability, momentum) re-ranked nightly against the full universe of US-listed common stocks.
• An AI Council read across up to eight perspectives — value, macro, quantitative, and momentum lenses — that shows where they disagree instead of averaging the tension away.
• Figures come straight from FMP and Yahoo Finance filings data. The AI writes the narrative around the numbers — it never edits the numbers.

Bank7 Corp. (BSVN) Financial Services Profile

Bank7 Corp., operating as a regional bank holding company, delivers commercial and retail banking services across Oklahoma, Texas, and Kansas. With a focus on commercial real estate, hospitality, and energy lending, Bank7 distinguishes itself through a network of twelve full-service branches and a commitment to community banking.

What Is the Investment Thesis for BSVN?

With a P/E ratio of 10.38 and a profit margin of 31.8%, the company demonstrates strong profitability and efficient operations. The dividend yield of 2.40% offers an attractive income stream for investors. Key growth catalysts include expanding its presence in the Dallas/Fort Worth area and capitalizing on opportunities in the energy sector. However, potential risks include exposure to fluctuations in the energy market and increasing competition from larger regional and national banks. The company's ability to maintain its gross margin of 70.5% and effectively manage its loan portfolio will be critical to its long-term success.

Based on FMP financials and quantitative analysis

BSVN Key Highlights

Market capitalization of $522M indicates a solid valuation within the regional banking sector.

• Profit margin of 31.8% demonstrates efficient operations and strong profitability.
• Gross margin of 70.5% highlights the company's ability to manage costs effectively.
• Dividend yield of 2.40% provides an attractive income stream for investors.
• Beta of 0.94 suggests lower volatility compared to the overall market.

Who Are BSVN's Competitors?

BSVN is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.

AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance

What Are BSVN's Key Strengths?

Strong regional presence in key markets.

• Expertise in energy and hospitality lending.
• High gross margin of 70.5%.
• Experienced management team.

What Are BSVN's Weaknesses?

Limited geographic diversification.

• Reliance on specific sectors like energy and hospitality.
• Smaller size compared to larger regional and national banks.
• Potential vulnerability to economic downturns in its operating regions.

What Could Drive BSVN Stock Higher?

Potential interest rate hikes by the Federal Reserve could increase net interest margin.

• Expansion of branch network in the Dallas/Fort Worth area.
• Continued growth in the energy sector creating lending opportunities.
• Launch of new digital banking services to attract younger customers.

What Are the Key Risks for BSVN?

Financial-distress signal — its Altman Z-Score of 0.65 sits in the distress zone (elevated bankruptcy risk).

• Economic downturn in Oklahoma, Texas, or Kansas could negatively impact loan portfolio.
• Fluctuations in energy prices could affect energy lending activities.
• Increasing competition from larger regional and national banks.
• Changes in regulatory requirements could increase compliance costs.
• Cybersecurity threats and data breaches could disrupt operations and damage reputation.

What Are the Growth Opportunities for BSVN?

• Expansion in the Dallas/Fort Worth Metropolitan Area: Bank7 has an opportunity to further expand its presence in the Dallas/Fort Worth area, a rapidly growing metropolitan area with a diverse economy. By opening new branches and increasing its lending activities in this region, Bank7 can tap into a large and growing customer base. The Dallas/Fort Worth area represents a significant market opportunity for Bank7 to increase its market share and drive revenue growth. This expansion aligns with the company's strategy of focusing on high-growth markets.
• Capitalizing on Opportunities in the Energy Sector: With its expertise in energy lending, Bank7 is well-positioned to capitalize on opportunities in the energy sector, particularly in Oklahoma and Texas. As energy prices fluctuate and new projects emerge, Bank7 can provide financing to energy companies, supporting their growth and expansion. The energy sector represents a significant lending opportunity for Bank7, allowing it to leverage its expertise and relationships in this industry. This targeted approach can drive significant revenue growth.
• Enhancing Digital Banking Services: Bank7 can enhance its digital banking services to attract and retain customers, particularly younger demographics who prefer online and mobile banking solutions. By investing in user-friendly digital platforms and offering a wider range of online services, Bank7 can improve customer satisfaction and increase its market reach. The digital banking market is rapidly growing, and Bank7's ability to adapt to this trend will be crucial to its long-term success. This includes mobile banking, online account management, and digital payment solutions.
• Strengthening Commercial Real Estate Lending: Bank7 can strengthen its commercial real estate lending activities by focusing on high-quality projects and developers in its target markets. By providing financing for commercial real estate developments, Bank7 can generate attractive returns and diversify its loan portfolio. The commercial real estate market represents a significant lending opportunity for Bank7, allowing it to leverage its expertise and relationships in this industry. This includes office buildings, retail centers, and industrial properties.
• Developing Specialized Financial Products for the Hospitality Sector: Bank7 can develop specialized financial products and services tailored to the needs of the hospitality sector. This includes financing for hotel construction, renovation, and acquisition, as well as working capital loans for hotel operations. By offering specialized solutions, Bank7 can attract hospitality businesses and establish itself as a leading lender in this sector. The hospitality sector represents a significant lending opportunity for Bank7, allowing it to leverage its expertise and relationships in this industry. This targeted approach can drive significant revenue growth.

What Are BSVN's Competitive Advantages?

• Strong regional presence in Oklahoma, Texas, and Kansas.
• Expertise in energy and hospitality lending.
• Established relationships with local businesses and communities.
• Experienced management team with deep industry knowledge.

What Does BSVN Do?

Bank7 Corp., formerly known as Haines Financial Corp., was founded in 1901 and is headquartered in Oklahoma City, Oklahoma. The company operates as a bank holding company for Bank7, offering a range of banking and financial services to both individual and corporate clients. Its services include commercial deposit products such as commercial checking and money market accounts, as well as retail deposit services like certificates of deposit, savings accounts, and checking accounts. Bank7 also provides various lending services, including commercial real estate, hospitality, energy, and commercial and industrial loans. Additionally, it offers consumer lending services, including secured and unsecured term loans and home improvement loans. As of March 8, 2022, Bank7 Corp. operates through a network of twelve full-service branches located in Oklahoma, the Dallas/Fort Worth metropolitan area in Texas, and Kansas. The bank focuses on building relationships within these communities, providing tailored financial solutions to meet the specific needs of its customers. Bank7's evolution from Haines Financial Corp. reflects its long-standing commitment to serving the financial needs of its customers and communities.

What Products and Services Does BSVN Offer?

• Provides commercial deposit services, including checking and money market accounts.
• Offers retail deposit services, such as certificates of deposit and savings accounts.
• Provides commercial real estate lending services.
• Offers hospitality lending services.
• Provides energy lending services.
• Provides commercial and industrial lending services.
• Offers consumer lending services, including term loans and home improvement loans.

How Does BSVN Make Money?

• Generates revenue through interest income from loans.
• Earns fees from deposit accounts and other banking services.
• Manages risk through diversification of loan portfolio.
• Expands market reach through branch network and digital channels.

What Industry Does BSVN Operate In?

Bank7 Corp. operates within the regional banking industry, which is characterized by increasing consolidation and competition. The industry is influenced by factors such as interest rate changes, regulatory requirements, and economic growth. Regional banks like Bank7 play a crucial role in providing financial services to local communities and businesses. The market is becoming increasingly competitive with larger national banks expanding their presence and fintech companies offering alternative financial solutions. Bank7's focus on specific sectors like energy and hospitality positions it to capitalize on regional economic trends.

Who Are BSVN's Key Customers?

• Commercial businesses in Oklahoma, Texas, and Kansas.
• Individual consumers in Oklahoma, Texas, and Kansas.
• Real estate developers and investors.
• Energy companies operating in the region.
• Hospitality businesses, including hotels and restaurants.

Bank7 Corp. (BSVN) Valuation Context

Valued at $522M, BSVN is classified as a small-cap stock. Analyst price targets span from $57.00 to $57.00, with a consensus of $57.00. At the current price of $54.81, that implies approximately 4% upside potential. Relative to its peer group, BSVN's quantitative score of 86/100 is roughly in line with the peer average of 86/100.

BSVN Revenue & Earnings Trend

In Q2 FY2026, BSVN generated $29.0M in top-line revenue, marking a sequential decrease of 19.0%. The company recorded net income of $8.3M, with diluted EPS of $0.87. Quarter-over-quarter revenue has been mixed, typical for a small-cap company operating in Financial Services. Across the four most recent quarters, BSVN averaged $1.09 in diluted EPS.

Company Profile

Bank7 Corp. operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Oklahoma City, US. The company is led by CEO Thomas L. Travis. BSVN has traded publicly since 2018.

Return on equity for Bank7 Corp. stands at 18.2%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 2.3%, showing how much profit it generates from its asset base. BSVN trades at a trailing price-to-earnings ratio of 10.38, below the Financial Services sector average of ~17.50x. Its free cash flow yield is 9.1%, a gauge of the cash the business throws off relative to its market value. A current ratio of 76.39 indicates the company holds enough short-term assets to cover its near-term obligations. Its earnings yield is 9.6%, the inverse of the P/E and a quick read on earnings relative to price.

Bank7 Corp.'s Piotroski F-Score is 5/9, a 9-point checklist of profitability, leverage and efficiency — a middling fundamental profile. Its Altman Z-Score of 0.65 places it in the distress zone, a signal of elevated financial risk.

Bank7 Corp. has beaten Wall Street's EPS estimate in 7 of its last 8 reported quarters — a consistent record of delivering on expectations. Reported results have landed about 10.3% above estimates on average.

Over the past six months, Bank7 Corp. insiders filed 27 SEC Form 4 transactions — 14 sales and 13 purchases. On net that is roughly 34K shares acquired (about $912K) — insiders putting money in tends to read as conviction.

BSVN Financials

BSVN Latest News

BSVN Analyst Consensus

BSVN MoonshotScore

Latest Bank7 Corp. Analysis

Bank7 Corp. Financial Services Stock: Key Questions Answered

Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.

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