📊 BSVN Key Takeaways
Investment Thesis
Bank7 Corp demonstrates robust profitability with strong operating margins of 44.1% and solid net margins of 33.4%, generating $43.1M in net income despite a slight YoY decline. The company maintains exceptional financial health with zero debt, substantial cash reserves of $244.6M, and impressive free cash flow generation of $41.4M, though revenue growth deceleration and declining net income require monitoring.
BSVN Strengths
- Exceptional profitability with 33.4% net margin and 44.1% operating margin well above banking sector averages
- Conservative balance sheet with zero long-term debt and $244.6M cash providing substantial financial flexibility
- Strong free cash flow generation of $41.4M (32.2% FCF margin) indicating high-quality earnings conversion
- Respectable ROE of 17.2% demonstrates efficient equity capital deployment
- Outstanding revenue growth of 46.5% YoY showing strong business expansion
BSVN Risks
- Net income declined 5.8% YoY despite 46.5% revenue growth, signaling margin compression or cost inflation
- Diluted EPS fell 7.0% YoY suggesting either increased share count dilution or profitability headwinds
- Modest ROA of 2.2% is low relative to peers, indicating underutilization of asset base
- 10 Form 4 insider filings in 90 days warrant investigation into transaction patterns and direction
- Slowing net income growth trajectory contradicts strong revenue momentum, raising sustainability concerns
Key Metrics to Watch
- Net income and EPS trajectory - critical to assess if YoY decline stabilizes or accelerates
- Net margin trend - monitor for continued compression despite revenue growth
- ROA improvement - track whether operational efficiency gains can expand asset utilization
- Insider transaction patterns - assess whether Form 4 activity indicates confidence or distress
- Operating expense ratio - evaluate cost structure relative to rapidly growing revenue base
BSVN Financial Metrics
💡 AI Analyst Insight
The 32.2% free cash flow margin provides substantial flexibility for dividends, buybacks, and strategic investments. The current ratio below 1.0x warrants monitoring of short-term liquidity.
BSVN Profitability Ratios
BSVN vs Finance Sector
How Bank7 Corp. compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
BSVN Balance Sheet & Liquidity
BSVN 5-Year Financial Trend
5-Year Trend Summary: Bank7 Corp.'s revenue has remained relatively flat over the 5-year period, with a 0% decline. The most recent EPS of $3.05 reflects profitable operations.
BSVN Growth Metrics (YoY)
BSVN Capital Allocation
BSVN SEC Filings
Access official SEC EDGAR filings for Bank7 Corp. (CIK: 0001746129)
📋 Recent SEC Filings
❓ Frequently Asked Questions about BSVN
What is the AI rating for BSVN?
Bank7 Corp. (BSVN) has an AI rating of BUY with 78% confidence, based on fundamental analysis of SEC EDGAR filings.
What are BSVN's key strengths?
Exceptional profitability with 33.4% net margin and 44.1% operating margin well above banking sector averages. Conservative balance sheet with zero long-term debt and $244.6M cash providing substantial financial flexibility.
What are the risks of investing in BSVN?
Net income declined 5.8% YoY despite 46.5% revenue growth, signaling margin compression or cost inflation. Diluted EPS fell 7.0% YoY suggesting either increased share count dilution or profitability headwinds.
What is BSVN's revenue and growth?
Bank7 Corp. reported revenue of $128.8M.
Does BSVN pay dividends?
Bank7 Corp. pays dividends, with $9.3M distributed to shareholders in the trailing twelve months.
Where can I find BSVN SEC filings?
Official SEC filings for Bank7 Corp. (CIK: 0001746129) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is BSVN's EPS?
Bank7 Corp. has a diluted EPS of $4.50.
How is the AI analysis conducted?
Our AI (Claude) analyzes publicly available SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports to evaluate financial health, profitability ratios, balance sheet strength, and growth metrics.