Bank7 Corp. (BSVN) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Comparison

Company

Score

Quality

Valuation

Financial

Technical

Southern First Bancshares, Inc.

USCB Financial Holdings, Inc.

Norwood Financial Corp.

Pioneer Bancorp, Inc. (New York)

FVCBankcorp, Inc.

Orrstown Financial Services, Inc.

Bank7 Corp.

PCB Bancorp

Northrim BanCorp, Inc.

Middlefield Banc Corp.

Oak Valley Bancorp

Why is Bank7 Corp. ?

High Profitability with a Net Interest Margin of 15.53%

Strong Long Term Fundamental Strength with a 0% CAGR growth in Net Interet Income

Healthy long term growth as Net Interest Income (ex other income) has grown by an annual rate of 0%

Flat results in Jun 26

OPERATING CASH FLOW(Y) Lowest at USD 42.57 MM
NET SALES(Q) Lowest at USD 30.93 MM
OPERATING PROFIT(Q) Lowest at USD 11.02 MM

With ROA of 1.21%, it has a fair valuation with a 1.50 Price to Book Value

Over the past year, while the stock has generated a return of 14.90%, its profits have fallen by -5.8%

High Institutional Holdings at 41.02%

These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
Their stake has increased by 3.73% over the previous quarter.

Real-Time Research Report

Verdict Report

How much should you hold?

Overall Portfolio exposure to Bank7 Corp. should be less than 10%
Overall Portfolio exposure to Regional Banks should be less than 30%

(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)

When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock

Is Bank7 Corp. for you?

Medium Risk, High Return

Absolute

Risk Adjusted

Volatility

Bank7 Corp.

14.9%

2.65

26.22%

S&P 500

21.51%

1.63

13.19%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

19.29%

EBIT Growth (5y)

19.38%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

22.67%

Pledged Shares

Institutional Holding

37.29%

ROCE (avg)

ROE (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

1.50

EV to EBIT

2.14

EV to EBITDA

2.10

EV to Capital Employed

-17.75

EV to Sales

0.93

PEG Ratio

Dividend Yield

2.62%

ROCE (Latest)

Negative Capital Employed

ROE (Latest)

17.16%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Bearish

Mildly Bearish

RSI

No Signal

Bollinger Bands

Bullish

Moving Averages

Mildly Bearish (Daily)

KST

Bearish

Mildly Bearish

Dow Theory

Mildly Bullish

Mildly Bearish

OBV

Mildly Bullish

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

8What is working for the Company

DIVIDEND PER SHARE(HY)

Highest at USD 0

CREDIT DEPOSIT RATIO(Q)

Highest at 0%

DIVIDEND PAYOUT RATIO(Y)

Highest at 31.03%

CASH AND EQV(HY)

Highest at USD 467.28 MM

-10What is not working for the Company

OPERATING CASH FLOW(Y)

Lowest at USD 42.57 MM

NET SALES(Q)

Lowest at USD 30.93 MM

OPERATING PROFIT(Q)

Lowest at USD 11.02 MM

OPERATING PROFIT MARGIN(Q)

Lowest at 35.62 %

PRE-TAX PROFIT(Q)

Lowest at USD 11.02 MM

NET PROFIT(Q)

Lowest at USD 8.35 MM

EPS(Q)

Lowest at USD 0.87

Here's what is working for Bank7 Corp.

Credit Deposit Ratio

Highest at 0% and Grown

In each half year in the last four Semi-Annual periods

MOJO Watch

Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets

Credit Deposit Ratio (%)

Dividend per share

Highest at USD 0 and Grown

In each year in the last five years

MOJO Watch

Company is distributing higher dividend from profits generated

DPS (USD)

Cash and Eqv

Highest at USD 467.28 MM

in the last six Semi-Annual periods

MOJO Watch

Short Term liquidity is improving

Cash and Cash Equivalents

Dividend Payout Ratio

Highest at 31.03%

in the last five years

MOJO Watch

Company is distributing higher proportion of profits generated as dividend

DPR (%)

CASA

Highest at 15.17%

in the last five periods

MOJO Watch

The Bank's capital base vs its risk assets is improving. However, the bank may not be taking adequate risk in its lending book.

CAR (%)

Here's what is not working for Bank7 Corp.

Operating Cash Flow

Lowest at USD 42.57 MM and Fallen

In each year in the last three years

MOJO Watch

The company's cash revenues from business operations are falling

Operating Cash Flows (USD MM)

Net Sales

Lowest at USD 30.93 MM

in the last five periods

MOJO Watch

Near term sales trend is negative

Net Sales (USD MM)

Operating Profit

Lowest at USD 11.02 MM

in the last five periods

MOJO Watch

Near term Operating Profit trend is negative

Operating Profit (USD MM)

Operating Profit Margin

Lowest at 35.62 %

in the last five periods

MOJO Watch

Company's profit margin has deteriorated

Operating Profit to Sales

Pre-Tax Profit

Lowest at USD 11.02 MM

in the last five periods

MOJO Watch

Near term Pre-Tax Profit trend is negative

Pre-Tax Profit (USD MM)

Pre-Tax Profit

Fallen at -25.1%

Year on Year (YoY)

MOJO Watch

Near term Pre-Tax Profit trend is negative

Pre-Tax Profit (USD MM)

Net Profit

Lowest at USD 8.35 MM

in the last five periods

MOJO Watch

Near term Net Profit trend is negative

Net Profit (USD MM)

EPS

Lowest at USD 0.87

in the last five periods

MOJO Watch

Declining profitability; company has created lower earnings for shareholders

EPS (USD)