Bank7 (BSVN) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

Bank7

NasdaqGS•Financial Services•Banks - Regional

$55.22+0.85(0.02%)Market open

Market Cap

$515.47M

P/E

12.3x

P/S

3.7x

P/B

1.9x

Bank7 Corp. operates as a bank holding company for Bank7 that provides banking and financial services to individual and corporate customers. It provides 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 offers commercial real estate, hospitality, energy, and commercial and industrial lending services; and 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.

How this company scores

AverageMetricSide Score: 51/100

Strongest: Cash & Earnings Quality (21/25); weakest: Growth (6/25).

Profitability16/25

Growth6/25

Balance Sheet & Red Flags8/25

Cash & Earnings Quality21/25

Strengths

Strong marginsHigh ROEConsistent free cash flowNet cash position

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 12.3x5y range 5.8x – 12.3x

Currently above its 20-quarter median.

P/S · 3.7x5y range 1.7x – 3.7x

Currently above its 20-quarter median.

P/B · 1.9x5y range 1.2x – 2.1x

Watch items

Data-driven signals worth keeping an eye on across the last 8 quarters

Some Concerns

Margin Pressure

Watch

Operating margins declined 6.0% — watch for continued compression, which may signal competitive or cost pressure.

Revenue Decline

Watch

Revenue has softened, declining in 6 quarters. Watch for further erosion.

Price & Volume

Market Cap $515.47M

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $138.26M
Q. Revenue: $31.93M
TTM EBITDA: $56.92M
TTM Op. Income: $55.18M
Q. Op. Income: $11.02M
TTM Net Income: $41.98M
Q. Net Income: $8.35M
EPS: $0.88
Shares Out.: $9.52M

$138.26M in TTM revenue declined 0.2% YoY, reaching $31.93M last quarter. TTM EBITDA of $56.92M and TTM operating income of $55.18M show growth is flowing through to the bottom line. TTM net income of $41.98M means revenue is converting into profit. Over the past year, TTM revenue is down 0% — a weakening trend.

Margins

Gross, EBITDA, operating, and net margin trends

Gross Margin: 71.7%
EBITDA Margin: 35.4%
Op. Margin: 34.5%
Net Margin: 26.1%

Op. margin of 34.5% is down 8.2% YoY — costs are rising relative to revenue. Net margin at 26.1% and gross margin of 71.7% show how much of each revenue dollar survives to profit. Over the past year, operating margin is down 19% — a weakening trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: 12.3x
P/S Ratio: 3.7x
P/B Ratio: 1.9x

At 12.3x P/E, the stock trades below typical market levels. P/S of 3.7x and P/B of 1.9x provide additional context. Use the growth and margin sections to judge whether the multiple is justified. Over the past year, P/E is up 38% — a weakening trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $1.91B
Cash: $220.59M
Long-Term Debt: N/A
Book Value: $266.31M
D/E Ratio: N/A
Debt/EBITDA: 0.0

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $7.49M
TTM Free Cash Flow: $43.99M
FCF Margin: 31.8%
FCF / Net Income: 1.0

TTM FCF of $43.99M on $7.49M in operating cash flow. The FCF / Net Income ratio of 1.0x means free cash flow covers net income — earnings are backed by cash. Over the past year, free cash flow is up 6% — a weakening trend.