Start here if you're new
what it is
Bank7 runs a regional bank that lends money, takes deposits, and earns the spread between the two.
how it gets paid
Last year Corp. made $132M in revenue. Commercial real estate lending was the main engine at $46M, or 35% of sales.
what just happened
The latest quarter brought in $96M of revenue, and EPS landed at $3.38.
At a glance
B+ balance sheet — decent shape, but not bulletproof
55/100 earnings predictability — expect surprises
10.0x trailing p/e — the market's not buying it — or you found a deal
2.7% dividend yield — cash in your pocket every quarter
$4.49 fy2025 eps est
xvary composite: 57/100 — below average
What they do
Bank7 runs a regional bank that lends money, takes deposits, and earns the spread between the two.
Big banks have scale. Bank7 has 124 employees and local reach in Oklahoma, Dallas/Fort Worth, and Kansas. If you are a borrower there, your banker is closer than a call center.
How they make money
$132M
annual revenue
Commercial real estate lending
$46M
Commercial and industrial lending
$33M
Hospitality and energy lending
$24M
Consumer lending
$16M
Deposit and fee income
$13M
The products that matter
commercial lending
Commercial & Industrial Loans
5.11% margin edge
This is the part of the business most tied to the 5.11% net interest margin that runs 2 points above the 3.13% peer median. That spread is why the stock gets any premium attention at all.
core driver
consumer and mortgage lending
Consumer & Residential Loans
12-branch footprint
The point here is diversification inside a bank with only 12 branches. It helps, but it does not remove the Oklahoma concentration baked into the whole franchise.
diversifier
deposit funding base
Core Deposits
$46.9M supports lending economics
Deposits are what let a bank turn lending into net interest income. If funding gets more expensive, the 5.11% margin has less room to stay special.
funding base
Key numbers
$132M
TTM revenue
That is the bank's annual sales base. It also makes the stock's $375M market cap look small enough to fit in one decent loan portfolio.
$375M
market cap
This is the price tag the market assigns today. Against $132M of revenue, you are paying 2.8x sales.
10.0x
trailing P/E
You are paying 10.0 times trailing earnings. For a bank, that is not a bargain-bin number, but it is not crazy either.
2.7%
dividend yield
You get paid 2.7% a year to wait. That is real cash, not financial cosplay.
Financial health
B+
strength
- balance sheet grade B+ — solid but not elite
- risk rank 3 — safer than 50% of stocks
- price stability 60 / 100
B+ — functional but not a standout on the balance sheet.
Total return vs. market
Return history isn't available for BSVN right now.
source: institutional data · return history unavailable
What just happened
beat estimates
The latest quarter brought in $96M of revenue, and EPS landed at $3.38.
Revenue was up 185% from a year earlier. EPS rose 199% vs. prior year. That is a huge jump for a bank with a $375M market cap.
$96M
revenue
$3.38
eps
n/a
n/a
the number that mattered
Revenue was $96M in the latest quarter. That is the cleanest proof the business is printing more cash than it was a year ago.
source: company earnings report, 2026
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What could go wrong
The #1 risk is net interest margin compression. This bank's case is not complicated: if the 5.11% margin slides toward the 3.13% peer median, the edge starts to disappear.
high
Net Interest Margin Compression
The stock's core argument is a 5.11% net interest margin against a 3.13% peer median. If pricing on loans softens or funding costs rise, BSVN stops looking special fast.
Watch the spread itself. A move toward the peer median would hit the bull case first and the valuation next.
med
Oklahoma Concentration
All 12 branches sit in one state. That keeps the model lean, but it also ties lending, deposits, and local credit conditions to the same geography.
If the local economy weakens, there is no second region here to offset it.
med
Thin Predictability
A 55 / 100 earnings predictability score is the market's way of saying the quarterly line is not as steady as the best banks.
That makes even a 10.0x multiple less comforting than it looks on first read.
If the 5.11% margin keeps holding, you have a cheap profitable bank. If it starts drifting toward 3.13%, you own a small concentrated bank without much valuation protection.
source: institutional data · regulatory filings · risk analysis
Pay attention to
earnings
Q1 2026 earnings report
Scheduled for April 9, 2026. The first number to check is whether net interest margin still looks like 5.11%, not just whether EPS beats again.
margin
Net interest margin versus peers
The edge is 5.11% versus 3.13%. That gap is the whole story, so track the spread, not just the headline EPS number.
capital
Buyback execution
Management renewed authority to buy back up to 750,000 shares over two years. The market cares about purchases, not permission slips.
concentration
Oklahoma credit conditions
With 12 branches in one state, local credit quality matters more here than it would at a regional bank with a wider map.
Analyst rankings
earnings predictability
55 / 100
This sits in the middle of the pack. In human-speak, analysts think the business is understandable, but not steady enough to stop quarterly surprises.
average price target
$47.75
That is about 7% above the current price. The street likes the valuation, but it is not modeling a dramatic rerating.
source: institutional data
Institutional activity
institutional ownership data for BSVN is being compiled.
source: institutional data
Price targets
3-5 year target range
n/a
n/a
$45
current price
n/a
target midpoint · n/a from current
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