Bank7 Corp.
- Open
- 49.00
- Day high
- 50.58
- Day low
- 48.15
- Prev close
- 48.95
- Volume
- 22K
- Mkt cap
- $478M
- P/E (TTM)
- 10.6
- EPS (TTM)
- $4.73
- P/B
- 1.8
- P/S
- 3.4
- Yield
- 2.15%
- Per share
- $1.08
- ▼Insiders net selling -$87K over the last 3 months (0 open-market buys, 2 sales)
- 🏛Institutions mixed (13F)
Bank7 Corp. (BSVN) is a Financial Services company listed on NASDAQ. The stock is up 13% over the past year. Over the trailing 3 months, insiders filed 0 open-market buys and 2 sales (SEC Form 4).
Bank7 Corp. (BSVN) financials & analyst ratings
Fundamentals (TTM)
Analyst consensus · 2 analysts
Source: exchange market data + company filings. Figures are trailing-twelve-month or as most recently reported. For informational purposes only — not investment advice.
BSVN earnings date, history & EPS estimates
| Report date | EPS est | EPS actual | Surprise | Revenue | Rev. surprise |
|---|---|---|---|---|---|
| Apr 14, 2026 | $1.01 | $1.25 | +23.8% | $26M | +11.0% |
| Mar 16, 2026 | — | $1.12 | — | $35M | — |
| Oct 15, 2025 | $1.03 | $1.13 | +9.7% | $25M | +4.7% |
| Jul 17, 2025 | $0.98 | $1.16 | +18.4% | $24M | +6.6% |
| Apr 10, 2025 | $0.97 | $1.08 | +11.3% | $23M | +2.6% |
| Feb 3, 2025 | $1.05 | $0.12 | -88.6% | $35M | — |
| Oct 11, 2024 | $1.07 | $1.24 | +15.9% | $25M | +5.9% |
| Jul 11, 2024 | $1.04 | $1.23 | +18.3% | $24M | +4.7% |
| Apr 12, 2024 | $1.05 | $1.21 | +15.2% | $24M | -4.1% |
| Oct 26, 2023 | $1.00 | $0.85 | -15.0% | $22M | +3.9% |
| Jul 20, 2023 | $0.96 | $1.05 | +9.4% | $21M | +2.9% |
| Apr 27, 2023 | $0.96 | $1.04 | +8.3% | $21M | -0.3% |
BSVN insider trading activity (SEC Form 4)
| Date | Insider | Type | Shares | Price |
|---|---|---|---|---|
| May 29, 2026 | Haines Douglas Aofficer: Reg. Pres. of West. OK & KS | Sell | 1,000 | $44.07 |
| May 6, 2026 | Mathews Darrell Lee Jr.officer: Executive Vice President | Sell | 1,000 | $43.00 |
| Mar 9, 2026 | Travis Thomas Ldirector, officer: President & CEO | Sell | 6,000 | $40.00 |
| Feb 18, 2026 | Travis Thomas Ldirector, officer: President & CEO | Tax | 6,716 | $43.92 |
| Feb 18, 2026 | Estes Jason Eofficer: Exec. Vice President; CCO | Tax | 3,308 | $43.92 |
| Feb 18, 2026 | Phillips John Tdirector, officer: Sr. EVP; COO; and Secretary | Tax | 1,636 | $43.92 |
| Feb 18, 2026 | Harris Kelly Jofficer: EVP; CFO | Tax | 1,145 | $43.92 |
| Feb 18, 2026 | Haines Douglas Aofficer: Reg. Pres. of West. OK & KS | Tax | 804 | $43.92 |
| Feb 18, 2026 | Levinson Andrew Jofficer: Regional President - Tulsa | Tax | 1,503 | $43.92 |
| Feb 18, 2026 | Litchfield Henryofficer: VP; General Counsel | Tax | 821 | $43.92 |
| Feb 5, 2026 | Harris Kelly Jofficer: EVP; CFO | Sell | 4,500 | $45.75 |
| Dec 19, 2025 | Levinson Andrew Jofficer: Regional President - Tulsa | Tax | 327 | $44.78 |
| Dec 19, 2025 | Phillips John Tdirector, officer: Sr. EVP; COO; and Secretary | Tax | 827 | $44.78 |
| Dec 19, 2025 | Harris Kelly Jofficer: EVP; CFO | Tax | 327 | $44.78 |
| Dec 19, 2025 | Travis Thomas Ldirector, officer: President & CEO | Tax | 1,476 | $44.78 |
Source: BSVN SEC Form 4 filings, latest May 29, 2026. For informational purposes only — not investment advice.
See the full BSVN insider & 13F page →Bank7 Corp. company profile
Overview
Bank7 Corp. (NASDAQ:BSVN) is a regional bank holding company founded in 1901 and headquartered in Oklahoma City, Oklahoma. Originally known as Haines Financial Corp., the company operates through its subsidiary Bank7, which provides commercial and retail banking services across Oklahoma, the Dallas/Fort Worth Texas metropolitan area, and Kansas. The bank went public in September 2018 and has grown through both organic expansion and strategic acquisitions, including the 2022 acquisition of Cornerstone Bank. Bank7 positions itself as a relationship-focused community bank with particular expertise in energy, hospitality, and commercial real estate lending.
Business
Bank7 Corp. operates in the regional banking industry, providing traditional commercial and retail banking services to individual and corporate customers across its geographic footprint. The banking industry serves as a financial intermediary, accepting deposits from customers and lending those funds to borrowers, earning profit from the difference between interest paid on deposits and interest earned on loans. The company's core business segments include: **Commercial Banking Services** - This represents the largest portion of Bank7's business, offering commercial deposit accounts, money market accounts, and specialized services for business customers. The bank focuses heavily on relationship banking, working closely with commercial clients to understand their specific financial needs. **Commercial Lending** - Bank7 specializes in several key lending verticals that comprise the majority of its loan portfolio. Commercial real estate lending involves financing for office buildings, retail centers, and other commercial properties. The bank has particular expertise in **energy lending** (approximately 10-13% of the loan portfolio), providing financing to oil and gas companies and related businesses. **Hospitality lending** (approximately 18-23% of portfolio) focuses on hotels, restaurants, and tourism-related businesses. Commercial and industrial (C&I) lending serves general business financing needs and has grown approximately 5% annually. **Retail Banking Services** - The bank offers traditional consumer banking products including checking accounts, savings accounts, certificates of deposit, money market accounts, and ATM access. Consumer lending includes personal loans, home improvement loans, and other individual financing needs. **Oil and Gas Fee Income Business** - Bank7 operates a specialized oil and gas fee income business that generates non-interest revenue through services provided to energy sector clients, contributing approximately $2.4 million in quarterly fee income. The bank operates through twelve full-service branches strategically located in economically robust markets, with management emphasizing their geographic advantage in Texas and Oklahoma, regions with strong energy and business sectors.
Revenue model
Bank7 generates revenue primarily through traditional banking operations, earning money on the **net interest margin** - the difference between interest earned on loans and investments versus interest paid on deposits and borrowed funds. The bank's net interest margin has historically ranged between 4.25% to 4.87%, which is relatively strong for a regional bank. **Primary Revenue Sources:** 1. **Interest Income from Loans** - The largest revenue component comes from interest charged on commercial real estate loans, energy sector financing, hospitality loans, and C&I lending. Current loan yields average around 7.50-7.55%, reflecting the bank's selective lending approach and focus on profitable relationships. 2. **Investment Securities Income** - Bank7 maintains a portfolio of government securities and other investments that generate steady interest income. 3. **Non-Interest Fee Income** - The bank earns fees from its oil and gas services business (approximately $2.4 million quarterly), traditional banking fees, and other service charges. **Customer Base:** Bank7's paying customers include commercial real estate developers, energy companies, hospitality businesses, small to medium-sized enterprises, and individual retail banking customers. The bank emphasizes relationship banking, often working with business owners and entrepreneurs who value personalized service over purely transactional banking. **Margin Influencing Factors:** Several factors can significantly impact Bank7's profitability margins. **Interest rate environment** changes directly affect the bank's core business - rising rates generally benefit net interest margins as loan yields increase faster than deposit costs, while falling rates can compress margins. **Credit quality** is crucial, as loan losses directly reduce profitability; Bank7's focus on relationship banking and conservative underwriting helps maintain low charge-off rates. **Deposit competition** in their markets affects funding costs - the bank benefits from having 32-34% non-interest bearing deposits, which reduces sensitivity to rate changes. **Regulatory environment** impacts both lending opportunities and compliance costs, with recent regulatory scrutiny of commercial real estate lending affecting growth prospects. **Economic conditions** in Texas and Oklahoma markets directly influence loan demand and credit quality, while **energy sector performance** specifically affects both the bank's energy lending portfolio and oil and gas fee income business.
Competitive moat
Bank7 operates with a **moderate but meaningful competitive moat** built primarily around relationship banking and specialized market expertise. The bank's strongest defensive position comes from its **deep relationships with commercial clients** in specific industry verticals, particularly energy and hospitality lending where they have developed specialized knowledge and underwriting capabilities that larger banks may not prioritize. **Geographic concentration** in economically robust Texas and Oklahoma markets provides some competitive advantage, as management understands local market dynamics and has established referral networks. The bank's **relationship-focused approach** creates switching costs for commercial clients who value personalized service and quick decision-making that larger institutions cannot easily replicate. However, Bank7's moat faces several **significant limitations**. The banking industry is inherently commoditized, and the bank competes directly with numerous regional and national banks offering similar products. **Regulatory barriers** that once protected community banks have diminished, and **technological disruption** from fintech companies and digital banking platforms poses ongoing threats to traditional relationship banking models. **Competitive threats** include larger regional banks with superior technology platforms and broader service offerings, credit unions with tax advantages, and online banks offering higher deposit rates. The bank's concentration in specific lending verticals like energy and hospitality creates both expertise advantages and vulnerability to sector-specific downturns. **Potential disruption** could come from continued technological advancement in commercial lending, regulatory changes that favor larger institutions, or economic shifts that reduce the value of local market knowledge. The bank's relatively small size (under $2 billion in assets) limits its ability to invest in technology and compete on scale efficiencies. Overall, Bank7 maintains a **narrow but defensible moat** in its specific markets and customer relationships, though this competitive position requires continuous investment in relationships and market expertise to remain sustainable.
Risks & safety
**Overall Assessment:** Bank7 demonstrates strong financial stability with excellent liquidity position and minimal solvency risk, though trading at moderate valuation levels. **Cash and Liquidity:** - Exceptional cash position with $240.9 million in cash and short-term investments - Strong operational cash flow generation of $55 million annually - Access to Federal Home Loan Bank (FHLB) and Federal Reserve lending facilities - $98 million in excess capital above regulatory requirements **Debt and Solvency:** - Zero debt-to-equity ratio indicating no significant debt burden - Total assets of $1.74 billion vs. total liabilities of $1.53 billion - Strong capital ratios well above regulatory minimums - Consistent profitability with $45.7 million net income in 2024 **Valuation Metrics:** - Price-to-earnings ratio: 9.8x (reasonable for regional bank) - Price-to-book ratio: 2.05x (moderate premium to book value) - Return on equity: 21.4% (exceptionally strong) - Dividend payout ratio: ~20% (conservative, sustainable) **Other Considerations:** - Concentrated exposure to energy and hospitality sectors creates some risk - Strong geographic markets in Texas and Oklahoma provide economic stability - Conservative loan loss provisions and minimal charge-off history
Recent development
Over the past few years, Bank7 has pursued a **disciplined growth strategy** focused on maintaining profitability over aggressive expansion. The bank successfully integrated the **Cornerstone Bank acquisition** completed in 2022, which expanded their presence in key markets and contributed to record earnings performance. **Strategic Focus Areas:** Management has maintained a **selective lending approach**, particularly in their specialized verticals of energy and hospitality lending. Rather than pursuing rapid loan growth, the bank has prioritized **relationship quality and loan pricing discipline**, with current loan yields around 7.50-7.55% reflecting their selective approach. The bank has actively managed its loan portfolio composition, with energy exposure maintained at 10-13% and hospitality at 18-23% of total loans. **Technology and Operations:** Bank7 has invested in maintaining **competitive operational efficiency** with expense ratios around 38-39%, while building capabilities in their specialized oil and gas fee income business that generates approximately $2.4 million in quarterly non-interest income. **Capital Management Strategy:** The company has been **actively exploring merger and acquisition opportunities**, seeking culturally aligned banks with strong core deposit bases, particularly targeting institutions in the $1-2 billion asset range. Management has expressed interest in merger-of-equals transactions that would enhance their market presence in Texas and Oklahoma. **Balance Sheet Optimization:** Bank7 has maintained **strong liquidity management** with significant cash positions and has been strategic about reinvestment timing, recently reinvesting $85 million in treasury products. The bank has maintained **conservative credit standards** and returned to historical levels of criticized and classified assets after managing through previous credit challenges. **Market Positioning:** The bank has positioned itself to benefit from **potential regulatory environment changes** while maintaining cautious optimism about future growth opportunities, particularly expecting stronger loan growth in the back half of 2025 as market conditions improve.
BSVN company profile · for informational purposes only — not investment advice.
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