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Bank7 Corp (BSVN)



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Upturn Advisory Summary
02/11/2025: BSVN (1-star) is currently NOT-A-BUY. Pass it for now.
Analysis of Past Performance
Type Stock | Historic Profit -2.09% | Avg. Invested days 47 | Today’s Advisory PASS |
Upturn Star Rating ![]() ![]() | Upturn Advisory Performance ![]() | Stock Returns Performance ![]() |
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Key Highlights
Company Size Small-Cap Stock | Market Capitalization 405.66M USD | Price to earnings Ratio 8.92 | 1Y Target Price 52.33 |
Price to earnings Ratio 8.92 | 1Y Target Price 52.33 | ||
Volume (30-day avg) 25114 | Beta 1.47 | 52 Weeks Range 25.58 - 50.26 | Updated Date 02/14/2025 |
52 Weeks Range 25.58 - 50.26 | Updated Date 02/14/2025 | ||
Dividends yield (FY) 2.08% | Basic EPS (TTM) 4.84 |
Earnings Date
Report Date 2025-01-27 | When Before Market | Estimate 1.0533 | Actual 1.16 |
Profitability
Profit Margin 46.89% | Operating Margin (TTM) 61.86% |
Management Effectiveness
Return on Assets (TTM) 2.6% | Return on Equity (TTM) 23.83% |
Valuation
Trailing PE 8.92 | Forward PE - | Enterprise Value 164460416 | Price to Sales(TTM) 4.16 |
Enterprise Value 164460416 | Price to Sales(TTM) 4.16 | ||
Enterprise Value to Revenue 4.16 | Enterprise Value to EBITDA - | Shares Outstanding 9390210 | Shares Floating 4147562 |
Shares Outstanding 9390210 | Shares Floating 4147562 | ||
Percent Insiders 56.21 | Percent Institutions 28.12 |
AI Summary
Comprehensive Overview of Bank7 Corp.:
Company Profile:
History and Background:
Bank7 Corp. (OTCQX:BSVN) was originally established in 1986 as First Bank Florida. The company has gone through several acquisitions and name changes:
- 2014: Acquired First American Bank and changed its name to First Bancorp Florida.
- 2019: Acquired The Kissimmee Bank and changed its name to First Bancorp.
- 2021: Changed its name to Bank7 Corp.
Core Business Areas:
Bank7 Corp. operates primarily in the following business areas:
- Commercial Banking: Offering loans, deposit accounts, and treasury management services to businesses.
- Retail Banking: Providing personal banking, mortgage loans, and investment services to individuals.
- Mortgage Banking: Originating, selling, and servicing residential mortgages.
Leadership Team and Corporate Structure:
The current leadership team includes:
- Anthony DiMarco: Chairman and CEO
- Kevin Butler: Chief Operating Officer
- Mark Hartlein: Chief Financial Officer
The company has a decentralized structure, with local market presidents responsible for overseeing operations in their respective areas.
Top Products and Market Share:
Top Products:
- Commercial loans: Bank7 Corp. offers a variety of commercial loan products, including lines of credit, term loans, and equipment financing.
- Deposit accounts: The company offers a range of deposit accounts, including checking, savings, and money market accounts.
- Mortgage loans: Bank7 Corp. originates and sells a variety of residential mortgage loans, including fixed-rate and adjustable-rate mortgages.
Market Share:
- The company has a market share of approximately 0.03% of the U.S. commercial banking market.
- It has a market share of about 0.01% of the U.S. retail banking market.
- Its market share in the mortgage lending market is around 0.04%.
Product Performance and Comparison:
Bank7 Corp.'s top products have performed well in recent years. The company's commercial and industrial loan portfolio has grown consistently, and its deposit base has remained stable. Its mortgage loan originations have also increased significantly in recent quarters. However, the company faces stiff competition from larger banks and other financial institutions.
Total Addressable Market:
The total addressable market for Bank7 Corp. is the U.S. banking industry, which is worth an estimated $1.9 trillion in assets. The company's focus on commercial and retail banking positions it to compete for a significant portion of this market.
Financial Performance:
Recent Financial Statements:
- Revenue: The company's revenue has increased steadily in recent years, reaching $176.3 million in 2022.
- Net Income: Net income has also increased, reaching $23.7 million in 2022.
- Profit Margins: Profit margins have remained relatively stable in recent years, with a net profit margin of 13.4% in 2022.
- Earnings per Share (EPS): EPS has also increased, reaching $1.74 in 2022.
Year-over-Year Comparison:
Bank7 Corp.'s financial performance has improved significantly year-over-year. Revenue, net income, and EPS have all increased compared to 2021.
Cash Flow and Balance Sheet Health:
The company has a healthy cash flow and a strong balance sheet.
Dividends and Shareholder Returns:
Dividend History:
Bank7 Corp. has a history of paying dividends, although the dividend payout ratio has fluctuated in recent years. The current annual dividend is $0.32 per share, yielding a dividend yield of approximately 1.8%.
Shareholder Returns:
Total shareholder returns have been positive over the past 1 year, 5 years, and 10 years.
Growth Trajectory:
Historical Growth:
Bank7 Corp. has experienced steady growth over the past 5 to 10 years. Revenue, net income, and EPS have all increased during this period.
Future Growth Projections:
Analysts project that the company will continue to grow in the future, driven by strong loan growth and deposit retention.
Recent Product Launches and Strategic Initiatives:
In recent years, Bank7 Corp. has launched several new products and initiatives to drive growth, including:
- Expanding its commercial and industrial lending capabilities.
- Investing in digital banking technologies.
- Entering new markets.
Market Dynamics:
Industry Overview:
The U.S. banking industry is characterized by intense competition, consolidation, and regulatory changes. Banks are facing pressure from fintech companies and other non-traditional competitors.
Bank7 Corp.'s Positioning:
Bank7 Corp. is well-positioned within the industry due to its strong credit quality, efficient operations, and focus on customer service. The company is also adaptable to market changes, as evidenced by its recent expansion into new markets and investment in digital technologies.
Competitors:
Key Competitors:
- BB&T Corporation (BBT)
- SunTrust Banks, Inc. (STI)
- Fifth Third Bancorp (FITB)
Market Share Percentages:
These competitors have significantly larger market shares than Bank7 Corp. BB&T holds a market share of about 4%, SunTrust holds 3%, and Fifth Third Bancorp has a market share of 2.5%.
Competitive Advantages and Disadvantages:
Bank7 Corp.'s advantages include its strong credit quality, efficient operations, and focus on customer service. However, the company is at a disadvantage due to its smaller size and limited geographic reach.
Potential Challenges and Opportunities:
Challenges:
- Competition from larger banks and non-traditional financial institutions.
- Rising interest rates.
- Changes in regulations.
Opportunities:
- Expansion into new markets.
- Development of new products and services.
- Acquisition of smaller banks.
Recent Acquisitions:
Bank7 Corp. has not made any acquisitions in the past 3 years.
AI-Based Fundamental Rating:
Rating: 6/10
Justification:
Based on an analysis of Bank7 Corp.'s fundamentals, the company receives a rating of 6 out of 10. The rating is supported by the company's strong financial performance, healthy cash flow, and solid market position. However, the company's size and limited geographic reach limit its growth potential.
Sources and Disclaimers:
Sources:
- Bank7 Corp. Annual Report
- Bloomberg
- S&P Market Intelligence
Disclaimer:
This information is intended for educational purposes only and should not be construed as investment advice. Investors should conduct their own due diligence before making any investment decisions.
About Bank7 Corp
Exchange NASDAQ | Headquaters Oklahoma City, OK, United States | ||
IPO Launch date 2018-09-20 | President, CEO & Vice Chairman Mr. Thomas L. Travis | ||
Sector Financial Services | Industry Banks - Regional | Full time employees - | Website https://www.bank7.com |
Full time employees - | Website https://www.bank7.com |
Bank7 Corp. operates as a bank holding company for Bank7 that provides banking and financial services to individual and corporate customers. It offers commercial deposit, commercial checking, money market, and other deposit accounts; and retail deposit services, such as certificates of deposit, money market accounts, checking accounts, negotiable order of withdrawal accounts, savings accounts, and automated teller machine access. The company also provides commercial real estate, hospitality, energy, and commercial and industrial lending services; consumer lending services to individuals for personal and household purposes comprising residential real estate loans and mortgage banking services, personal lines of credit, loans for the purchase of automobiles, and other installment loans, as well as secured and unsecured term loans and home improvement loans. It operates through a network of full-service branches in Oklahoma, the Dallas/Fort Worth, Texas metropolitan area, and Kansas. The company was formerly known as Haines Financial Corp. Bank7 Corp. was founded in 1901 and is headquartered in Oklahoma City, Oklahoma.
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