BSVN
Bank7 Corp.44.51
+0.39+0.88%
Dec 16, 4:00:02 PM EST
Earnings Call Transcripts
This Quarter (Q4 '25)
No earnings call transcript available yet
Last Quarter (Q3 '25)
FY Q3 '25
NIM compression, credit prudence detailed
Q&A filled in forward details skipped in brief prepared remarks, guiding NIM to compress slightly to 4.50% post-first rate cut then 4.47% as loan floors activate amid deposit pressures. Management eyes high single-digit loan growth through a solid pipeline, tempered by lumpy paydowns, while prudently hiking reserves for portfolio expansion and macro volatility—yet credit migrations proved benign. Loan fees face normalization after deal-fueled beats; mortgage stays niche, slow amid affordability woes, with hopes for '26 improvement. M&A chatter persists but AOCI overhangs and discipline slow progress. Credit held firm. Investors will eye provisions and growth durability.
Key Stats
Market Cap
420.77MP/E (TTM)
9.80Basic EPS (TTM)
4.54Dividend Yield
0.02%Recent Filings
10-Q
Q3 FY2025 results
Bank7 Corp. posted Q3 net income of $10.8M, down 8% y/y yet steady on core net interest income up 9% to $23.0M (derived) as deposit costs fell sharply while loans grew to $1.54B. Margins held at 5.07% despite softer yields; noninterest income dropped on lower oil/gas output, but expenses rose modestly. Cash swelled to $242M with $37M operating cash flow; deposits climbed 8% q/q to $1.64B, no debt reliance. Strong capital at 15.4% total. Loans past due ticked up slightly. Hospitality loans pose concentration risk.
8-K
Q3 earnings dip, assets grow
Bank7 Corp. posted Q3 net income of $10.8 million, down 2% from Q2's $11.1 million, yet PPE climbed 1% to $14.9 million on 6% higher interest income and $36.9 million organic loan growth to $1.5 billion. Total assets hit $1.9 billion, with capital ratios well above thresholds at 12.71% Tier 1 leverage. Balance sheet stays matched. Strong liquidity covers uninsured deposits 2.63x.
10-Q
Q2 FY2025 results
Bank7 Corp held net income steady at $11.1M for Q2 ended June 30, 2025, down just 3.7% y/y despite softer oil/gas revenues, while YTD earnings dipped 6% to $21.4M on deposit cost compression. Net interest income edged up 2.5% y/y to $21.7M (derived), fueled by 7% loan growth to $1.50B and 7.6% deposits to $1.59B, though NIM slipped to 4.96%. Loans pristine—no provision needed, nonperformers at 0.37%. Cash sits at $219M; FHLB availability $224M. Equity swelled to $232M. Deposits grew steadily. Hospitality loans pose concentration risk.
8-K
Q2 earnings up 7%, loans grow 5%
Bank7 Corp. posted Q2 net income of $11.1 million, up 7.4% from Q1's $10.3 million, fueled by 5.2% loan growth to $1.5 billion and PPE rise to $14.7 million. Total assets held steady at $1.8 billion while capital ratios soared above well-capitalized thresholds—Tier 1 leverage at 12.5%. Loans reprice fast. Liquidity covers uninsured deposits 2.62x.
8-K
Shareholders approve directors, auditor
Bank7 Corp. shareholders at the May 15, 2025 annual meeting elected eight directors, including William M. Buergler and Thomas L. Travis, each with over 8 million FOR votes despite 624,470 broker non-votes. They ratified RSM US LLP as 2025 independent auditor by a 8,872,859 to 12,702 vote. Say-on-pay for 2024 executives passed handily. All proposals cleared decisively.
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