BSVN

Bank7 entered this Q3 2026 report with a strong recent performance, up around 14% over the past three months and adding another 4.8% today to close near US$58. The story traders are focusing on is straightforward: earnings per share were about US$1.07, net income was close to US$10.2 million, and the cost-to-income ratio was near 41.6%, which is relatively lean for a regional lender. That single-day surge appears more influenced by emotion than by detail. Short-term enthusiasm is meeting a more complex earnings picture that warrants closer examination. Love Bank7's lean 41.6% cost-to-income ratio but unsure how it stacks up against other efficient regional lenders? Compare it with a curated list of banks that pair disciplined expenses with robust balance sheets in our list of solid balance sheet and fundamentals stocks (25 results). - Total Revenue (Q3 2026 vs. Q3 2025): US$23.37 million vs. US$24.54 million (modest year on year decline) - Net Income (Excl. Extra Items, Q3 2026 vs. Q3 2025): US$10.20 million vs. US$10.84 million (slight year on year decline) - Basic EPS (Q3 2026 vs. Q3 2025): US$1.07 vs. US$1.15 (small year on year decline) - Cost to Income Ratio (Q3 2026 vs. Q3 2025): 41.6% vs. 41.12% (efficiency broadly in line year on year) Ask Charlie what Bank7 isn't saying about Century deal risks. For anyone leaning positive on Bank7, the appeal is clear. Efficiency stayed tight with a 41.6% cost to income ratio and net income remained close to US$10.2 million, which keeps profitability intact even as Century integration work ramps up. The share price reaction also signals that investors are rewarding that resilience for now. At the same time, revenue, earnings per share and profit all eased slightly year on year. As a result, the bullish angle rests more on steady execution than on clear top line acceleration this quarter. The cautious view on Bank7 gets some support from the slight slippage across revenue, net income and basic EPS compared with Q3 2025. Those softer trends arrive just as the bank prepares to absorb Century's costs and work through one time deal expenses, which could pressure near term results if not offset. That said, the cost to income ratio is still lean and management is not signaling credit stress, so immediate balance sheet risk in this snapshot looks contained rather than acute. Reveal where the surface calm around Bank7's recent move could give way to a sharp break in expectations. Access the full revenue, EPS and dividend path in the street's multi year analyst estimates for Bank7. Bank7 just showed how a steady cost base can still leave investors debating the earnings message. The real opportunity is spotting stocks that could be undervalued before the market closes that gap. - Company 1 - 35% below our estimate - tightens offshore vessel supply as older ships leave service and consolidation concentrates pricing leverage. - Company 2 - 49% below our estimate - expands a digital small business platform as integrated checking and lending tools deepen primary banking relationships. - Company 3 - 48% below our estimate - wins complex public infrastructure work as a large backlog aligns with investment in workforce skills and construction technology. That is three of the list. See all 33 potentially undervalued companies → This article by Simply Wall St is general in nature. We provide commentary based on historical data and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your financial situation. We aim to bring you long-term focused analysis driven by fundamental data. Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material. Simply Wall St has no position in any stocks mentioned. Companies discussed in this article include BSVN. Have feedback on this article? Concerned about the content? Get in touch with us directly. Alternatively, email [email protected]

Bank7 (BSVN) came out with quarterly earnings of $1.06 per share, beating the Zacks Consensus Estimate of $1 per share. This compares to earnings of $1.13 per share a year ago. These figures are adjusted for non-recurring items. This quarterly report represents an earnings surprise of +6.00%. A quarter ago, it was expected that this company would post earnings of $1.03 per share when it actually produced earnings of $0.87, delivering a surprise of -15.53%. Over the last four quarters, the company has surpassed consensus EPS estimates three times. Bank7, which belongs to the Zacks Banks - Southeast industry, posted revenues of $23.37 million for the quarter ended September 2026, missing the Zacks Consensus Estimate by 1.53%. This compares to year-ago revenues of $25.24 million. The company has topped consensus revenue estimates just once over the last four quarters. The sustainability of the stock's immediate price movement based on the recently-released numbers and future earnings expectations will mostly depend on management's commentary on the earnings call. Bank7 shares have added about 34.3% since the beginning of the year versus the S&P 500's gain of 12.8%. While Bank7 has outperformed the market so far this year, the question that comes to investors' minds is: what's next for the stock? There are no easy answers to this key question, but one reliable measure that can help investors address this is the company's earnings outlook. Not only does this include current consensus earnings expectations for the coming quarter(s), but also how these expectations have changed lately. Empirical research shows a strong correlation between near-term stock movements and trends in earnings estimate revisions. Investors can track such revisions by themselves or rely on a tried-and-tested rating tool like the Zacks Rank, which has an impressive track record of harnessing the power of earnings estimate revisions. Ahead of this earnings release, the estimate revisions trend for Bank7 was unfavorable. While the magnitude and direction of estimate revisions could change following the company's just-released earnings report, the current status translates into a Zacks Rank #5 (Strong Sell) for the stock. So, the shares are expected to underperform the market in the near future. You can see the complete list of today's Zacks #1 Rank (Strong Buy) stocks here. It will be interesting to see how estimates for the coming quarters and the current fiscal year change in the days ahead. The current consensus EPS estimate is $0.87 on $24.34 million in revenues for the coming quarter and $3.99 on $96.68 million in revenues for the current fiscal year. Investors should be mindful of the fact that the outlook for the industry can have a material impact on the performance of the stock as well. In terms of the Zacks Industry Rank, Banks - Southeast is currently in the top 34% of the 250 plus Zacks industries. Our research shows that the top 50% of the Zacks-ranked industries outperform the bottom 50% by a factor of more than 2 to 1. John Marshall Bancorp, Inc. (JMSB), another stock in the same industry, has yet to report results for the quarter ended September 2026. The results are expected to be released on October 28. This company is expected to post quarterly earnings of $0.49 per share in its upcoming report, which represents a year-over-year change of +29%. The consensus EPS estimate for the quarter has remained unchanged over the last 30 days. John Marshall Bancorp, Inc.'s revenues are expected to be $18.56 million, up 14.2% from the year-ago quarter. Want the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report Bank7 Corp. (BSVN) : Free Stock Analysis Report John Marshall Bancorp, Inc. (JMSB) : Free Stock Analysis Report This article originally published on Zacks Investment Research (zacks.com). Zacks Investment Research

- Interested in Bank7 Corp.? Here are five stocks we like better. - Strong loan growth: Bank7 replaced more than $130 million in customer payoffs during Q3 and expects continued companywide loan growth of roughly mid-single digits to low double digits, supported by a solid pipeline. - Century merger: The pending Nov. 1 acquisition is expected to add lower-cost deposits, support growth in Dallas, and initially be neutral to net interest margin. Bank7 plans to focus on relationship-based lending while allowing purchased loan participations to run off. - Integration and liquidity: Management expects 75%–80% of merger-related cost savings to arrive in the first quarter after closing, despite approximately $16.2 million in one-time expenses. Bank7 will target a loan-to-deposit ratio generally between 80% and 95%, backed by sufficient contingent funding. Bank7 (NASDAQ:BSVN) said its third-quarter performance was supported by strong loan growth, disciplined balance-sheet pricing and a robust operating environment in Texas and Oklahoma, while the company prepares to close its pending merger with Century Financial in New Mexico on Nov. 1. President and Chief Executive Officer Tom Travis said loan growth was stronger than headline results may indicate because the bank absorbed substantial unscheduled paydowns from large customers during the quarter. Chief Financial Officer Kelly Harris said loan payoffs exceeded $130 million in the period, following meaningful paydowns in the second quarter, but the company was able to replace that volume and grow its loan book. → A Silent Winner: Texas Instruments Anchors the AI Supercycle Management said it entered the second half of the year with a substantial loan pipeline, much of which has already funded, with additional visibility into funding activity during the fourth quarter. Harris said Bank7 expects to continue pursuing companywide loan growth in a range of roughly mid-single digits to low double digits, though quarterly results can be affected by sizable customer payoffs. Travis described the pending Century transaction as a product of the company's patience and capital discipline. He called Century an established deposit and banking franchise in New Mexico, particularly in Santa Fe and nearby communities. → A Chinese Rival Just Spooked Memory Stocks—How Worried Should Micron Investors Be? Harris said the merger is currently expected to be neutral to Bank7's net interest margin. However, Bank7 plans to sell some or all of Century's bond holdings, which could generate a meaningful amount of cash. The margin impact of that cash deployment will depend on timing and use, he said, with some possible outcomes more accretive to margin and others more neutral. Travis said Century's lower-cost deposits should give Bank7 greater flexibility to maintain margins in the near to medium term. That advantage is expected to diminish gradually as the company redeploys the funds, potentially into lower-yielding loans. Still, he said Bank7 does not expect a material shift toward broadly lower loan pricing. → Delta's Guidance Cut Could Spell Trouble for the Airline Industry For Bank7's legacy business, Harris said the loan beta in the third quarter was near 60%, while the deposit beta was about 52%. If interest rates rise again in the fourth quarter, management expects loan beta to be in the 65% to 70% range, while deposit beta is expected to be lower, though Harris said it is harder to project. Management also indicated that Century's funding base could support growth in Bank7's Dallas operation, where Harris said loan growth has exceeded deposit growth. Bank7 does not have a day-one plan to run off Century's loan portfolio, Harris said. The company intends to apply its existing commercial-banking strategy in the new markets, focusing on business owners, entrepreneurs and high-net-worth customers. Travis noted, however, that Century has made more extensive use of purchased loan participations than Bank7. While such participations are not the majority of Century's portfolio, Bank7 does not intend to pursue them as they mature and expects to exit those exposures when opportunities arise. That runoff could create additional funding capacity, he said. Harris said competitive conditions across Bank7's markets have remained consistent, with many banks continuing to seek loan deployment. He said relationship banking remains a key differentiator in that environment. Management expects most of the merger-related cost savings to be realized quickly after the deal closes. Travis said approximately 75% to 80% of expected savings should occur immediately in the first quarter following closing, with the remaining 20% to 25% achieved between the end of the first and second quarters. Bank7 expects a systems conversion in the third quarter, which will delay some final efficiency gains. Travis said the company does not intend to take a slow or casual approach to integration, adding that the second half of the year should be more profitable than the first as the combined company realizes additional efficiencies. Harris pointed to Bank7's prior Cornerstone acquisition as a reference point, saying the company's efficiency ratio initially rose by a couple hundred basis points before improving over time. He said management believes it can ultimately operate Century's noninterest expense at or below Bank7's current level. The company's presentation included approximately $16.2 million of one-time merger expenses. Management said those costs include investment-banking fees, conversion expenses and early contract termination costs, with the expenses expected to be realized in the fourth quarter. Travis said Bank7's loan-to-deposit ratio will depend on changing factors including liquidity, capital, debt instruments, available funding sources and loan maturity schedules. He said the company generally would not expect to operate materially below an 80% loan-to-deposit ratio, while it could at times approach 95% depending on market conditions. If Bank7 operates at higher levels, Travis said it would do so only with substantial overnight-capable funding sources available to preserve liquidity in the event of broader market stress. Management did not provide an estimate for the goodwill that will result from the Century transaction. Harris said it was too early to determine the final figure because interest-rate changes could affect asset marks and other valuation components. Bank7 Corp. (NASDAQ: BSVN) is the bank holding company for Bank7, a community-focused financial institution headquartered in Oklahoma City, Oklahoma. The bank provides banking and financial services to businesses, professionals and individuals, with an emphasis on relationship-based service and customized lending solutions. Bank7 offers commercial and industrial loans, commercial real estate financing, energy-related lending, residential and consumer loans, and other credit products. Its deposit and treasury management services include checking and savings accounts, certificates of deposit, online and mobile banking, cash management, and related business banking tools. The company primarily serves customers in Oklahoma and surrounding markets, including selected communities in Texas. This instant news alert was generated by narrative science technology and financial data from MarketBeat in order to provide readers with the fastest reporting and unbiased coverage. Please send any questions or comments about this story to [email protected]. The article "What Bank7 (BSVN) Said on Its Q3 Earnings Call" was originally published by MarketBeat. View MarketBeat's top stocks for October 2026.

Image source: The Motley Fool. Thursday, Oct. 15, 2026 - Chairman - Brad Haynes - President and Chief Executive Officer - Thomas L. Travis - Chief Operating Officer - JT Phillips - Chief Credit Officer - Jason E. Estes - Chief Financial Officer - Kelly J. Harris - Director of Accounting - Paul Timmons Operator: Welcome to the Bank7 Corp. Third Quarter 26 Earnings Call. Before we get started, I would like to highlight the legal information and disclaimer on Page 25 of the Investors presentation. For those who do not have access to the presentation, management is going to discuss certain topics that contain forward-looking information which is based on management's beliefs as well as assumptions made by information currently available to management. Although management believes that the expectations reflected in such forward-looking statements are reasonable, they can give no assurance that such expectations will be proved to be correct. Such statements are subject to certain risks, uncertainties, and assumptions, including among other things, the direct and indirect effect of economic conditions on interest rates, credit quality, loan demand, liquidity, and monetary and supervisory policies of the banking regulators. Should 1 or more of these risks materialize, or should underlying assumptions prove incorrect, actual results may vary materially from those expected. Also, please note that this conference call contains references to non GAAP financial measures. You can find reconciliations of these non GAAP financial measures to GAAP financial measures in an 8 k that was filed this morning by the company. Representing the company on today's call, we have Brad Haynes, chairman Tom Travis, president and CEO JT Phillips, chief operating officer Jason E. Estes, chief credit officer, Kelly J. Harris, chief financial officer Paul Timmons, director of accounting. With that, I will turn the call over to Tom Travis. Thomas L. Travis: Thank you, and welcome to the call. And first and foremost, what a great company we have here at Bank7. It does not happen by accident. Our team's been together a long time. We executed a high level every day. We like to say it takes courage to be great, and we are proud of our consistent top tier results. Just a fantastic company and really good results, given the all the things that we are having to do at the same time closing our recent acquisition. So a really great quarter. I would say that highlights would start out with very strong loan growth, that is stronger than what it appears because we overcame substantial unscheduled paydowns from large customers. So our loan team, as usual, is functioning at a very high level and we are very thankful for them. And we discipline ourselves with our loan pricing and our deposit pricing. And we properly manage that balance sheet, which enables us continue benefiting from that strong and consistent NIM. We also benefit from the robust economy and the biz. Business friendly markets down here in Texas and Oklahoma. And it is a real blessing. And we are mindful of that. For a long time, people on the call were asking us what we were going to do with the excess capital. And it was tempting to distribute some of those funds while the calls were being made asking us what we were going to do. But we waited. And we are glad we did. And we are very excited about the pending merger with Century in New Mexico, and it is a really good example of discipline and patience and prudent use of capital, which really drives the metrics on how transformational beneficial this transaction will be. Century is an outstanding deposit and banking franchise that is well entrenched in the communities in New Mexico, especially Santa Fe and its surrounding areas. And we really look forward to that merger. We look forward to continue serving our existing communities and customers as well as theirs and coming together as 1 team. So we are well positioned for the future. Looking forward to executing on our plans. And with that, we are here to answer any questions anyone might have. Thank you. Operator: Will now begin the question and answer session. If you are using a speaker phone, please pick up your handset before pressing the keys. If at any time your question has been addressed, At this time, we will pause momentarily to assemble our roster. The first question today comes from Woody Lay with KBW. Please go ahead. Woody Lay: Hey. Good morning, guys. Thomas L. Travis: Good morning. Woody Lay: I wanted to start on the organic growth in the quarter. And as you mentioned, it was very impressive considering all the all the things you were juggling intra quarter. Maybe specifically on the deposit strategy, deposits were up pretty significantly in the quarter, and you are about to add a really good source of cheap core funding with Century, So I was just curious what you sort of plan to do with the excess liquidity that is on the balance sheet. Is this a sign that the loan pipeline is pretty strong in your eyes? Kelly J. Harris: Hey, Woody. This is Kelly. Yeah. During the quarter, you know, we experienced, as Tom mentioned, the substantial loan pay down. We chose to be conservative from excess liquidity, higher deposit balance. Because of the known loan fundings as well as the pending merger. And some of that cash that goes out related to that, And so that is kind of the game plan going forward. You know, strong pipeline as well as closing this merger. Woody Lay: Got it. And then you know, I know the merger is closing November 1st, so midway through the fourth quarter. But just any sort of NIM guidance you could provide, know, pro forma with Century Financial plus, you know, the potential for an additional rate hike from here, I feel like that would be helpful. Kelly J. Harris: Yeah. I think from a deal perspective, we currently view the deal as neutral to our margin. And we intend to sell some to all of Century's bonds And depending on when those sales occur, it will generate a meaningful amount of cash and we will be methodical about how we deploy that cash. In some scenarios, it will be more accretive to our margin. In other scenarios, it will be more neutral to our margin. And from a bank 7 legacy perspective, the loan beta in the quarter was close to 60%. Deposit beta was around 52%. And I think, you know, forward looking assuming a rate hike in Q4, we anticipate that loan beta to be in the 65% to 70% range. And the deposit beta, a little bit harder to project, but we assume less. Yeah. Thomas L. Travis: And I would add to that. that is really good. Kelly, and accurate. And I would add to that if you could think of the word bias or think of the word tendency, once the merger happens, we are going to have a bias or a tendency to be able to more easily maintain that margin due to the influx of a cheaper cost of funds. And that advantage will gradually dissipate over time as we redeploy and some of it could be redeployed into slightly lower yielding loans. And so if you think of a trade off between growing slower by maintaining existing pricing compared with growing faster potentially on the loan book because you decide to capitalize on slightly lower cost of funds, and therefore, you can lower your loan rates. And so I do not think that is going to be a material thing. it is not like you are going to see all of a sudden lower loan pricing I am just pointing out that we are going to have some flexibility in the near term to medium term because of that advantage of a slightly lower cost of funds. Yeah. Woody Lay: Got it. And then maybe just last for me. And you have kind of hit on it a little bit, on the bond portfolio. But longer term with the acquisition of Century, it would feel like there is a significant opportunity on the. On the balance sheet remix side to help that 25% accretion longer term How do you think about remixing Century's loan portfolio over the medium to longer term. John T. Phillips: I think you are going to see us continue to do what we have done in the past. And they have commercial banking talent that aligns philosophically with us. And so you will see us kind of expanding into a couple new markets there. But doing the same thing that we have traditionally done. Which is catering to business owners, entrepreneurs, high net worth individuals, and really pursuing that commercial loan, and it will look similar to what we have done in our other markets. And it also gives us some more opportunity specifically in our Dallas operation. Where we. We are constantly funding challenged there. A lot more loan growth than there is deposit growth, and so maybe we can share some of the newly acquired funds into our Dallas market. Woody Lay: Got it. Alright. Well, that is all for me. Thanks for taking my questions. Operator: The next question comes from Nathan Race with Piper Sandler. Please go ahead. Nathan Race: Thanks for taking the questions. Just going back to 1 of the previous questions, just thinking about any potential runoff that you are anticipating at the Century loan portfolio and just maybe bigger picture, how do you anticipate the addition of Century kind of impacting Bank7's historical kind of high single to double digit loan trajectory that we have seen kind of longer term from you guys? John T. Phillips: I think there is any-- you know, day 1 plan to, you know, specifically run off loan balances, I think you will hopefully see a steady similar to what we typically do and as you just referenced, a 5%, mid-single digit to low double digit company wide growth. You know, whichever markets are able to contribute to that consistently. And remember, we still run into these chunky periods of payoffs, and it is-- you cannot see it in the numbers, but our payoffs for the quarter were over a $130 million. Okay? And so we backfilled that and we are able to grow nicely over the prior. But that is a very atypical amount of payoffs followed on the heels of reasonably significant payoffs in Q2. But we knew going, at least midway through Q2 that we were stacked with a big loan pipeline to fund throughout the rest of the year. And most of that funding has occurred, but we still have some clarity, some visibility to a little bit of additional funding in the fourth quarter. So it is really. You know, go back to Tom's opening statement about the strong economies that we operate within, and we have a great team of bankers. They are out working, and we are finding deals. And not going to stop. We are not going to change. I do not see a consistent move up or down. We want to keep doing more of the same. Right? Let's just be what we are. And if we run into a couple periods where we can grow a little faster because things are going well, then let's do it. But we are not going to take unnecessary risk, and we are not going to give away our margin. Thomas L. Travis: Yeah. there is 1 minor addition, I would say, that Century did have a more aggressive use of buying loan participations And it is certainly not the majority of the portfolio, but it is a healthy amount that we intend to. We are not gonna pursue that and those particular loan participations as they mature, as we have the opportunity to exit those, we would. Which would then provide additional funding sources. Nathan Race: Got it. that is really helpful. And just curious on the. Some of the competitive dynamics in your geographies these days. Think there is some growing competition across some of those markets. So just curious what you are seeing in terms of kind of new loan pricing these days. It was great to see, I think, core loan yields ticked up 2 basis points quarter over quarter. So just curious kind of what you are seeing from a competitive perspective, particularly across some of the specialties that you guys operate within. Thomas L. Travis: I have not seen any dynamic changes there, Nate. I mean, it is very We always have tough competition in all the markets where we are actively loaning money. I do not see that changing. I guess there was a period during COVID where there were some people that were not particularly aggressive in loaning out money, but it is been very consistent for the last 3 to 4 years. Lots of banks looking to deploy into loans, and that is where the relationship bankers win the day. Nathan Race: Got it. that is helpful. Maybe 1 more for Kelly just on the expense outlook. I think Centra is running around $12 million a quarter. Over the last handful of quarters. Terms of overhead costs. So obviously, it will be noisy the next couple of quarters, but just any sense in terms of how to get to kind of 30% cost savings and the timing around the systems conversion to, I imagine, realize the large majority of those cost saves. Kelly J. Harris: Yeah. I mean, I like to look at our previous deal with Cornerstone I mean, you saw efficiency ratio creep up you know, couple hundred basis points. Initially. And then over time, we feel very confident that we can operate Century's noninterest expense at or below where we currently operate ours. I think from a timing of system conversions are more of a Q3 Yeah. Thomas L. Travis: I would say we modeled when we sent that deck out. We talked about expected efficiencies and the numbers in there. And I have got 2 numbers that I am looking at in my head. I do not know what percentage, but I would say that at least 75% or 80% of the cost savings will occur immediately in the first quarter And then there will be the remainder spread out between the end of the second quarter and the end of I am sorry. The end of the first quarter and the end of the second quarter. So call it 75/25, 75% cost savings to be achieved right away. But back to Kelly's point, I think you can look at that What are we at? 2.05% of non-interest expense? Yeah. Is it close to that number? Yeah. And so when you think about that number, Nate, we should be well south of 2% if you just look at if you wanna call it the century stand alone. Right? Because you always have heavier at the headquarters. Nathan Race: Gotcha. Maybe if I could just sneak 1 more in. You know, it is a pretty transformational deal. I think Accenture is a large acquisition. History of the company. But just curious as 2027, kind of more of a digest and integrate type of year for Bank7? Or do you guys maybe anticipate some additional M&A coming your way to the extent those opportunities are still there for you guys. Thomas L. Travis: Nate, we are always in a shoot, move, communicate mode. And we would be disappointed as a group if we allowed much of the noise and expense to linger into. Far into 2027. And so with the exception of the burden that we have because the providers are always so slow to give us conversion dates I believe our conversion date is in July. And so we do not have any choice but to allow call it, that 20% to 25% of last cuts to the efficiencies to be realized. But we are we are not going to be slow. We are not gonna get a take a casual approach to this. We are gonna do what we always do and we are going to make those adjustments and create as many efficiencies as we can day 1 And so yes, the back half of the year will be more profitable than the front half of the year, but you are going to see us really achieve very, very meaningful results starting immediately. Nathan Race: Yep. Gotcha. Makes sense. Thanks for that, Tom. If I could actually just sneak 1 housekeeping question for Kelly. On the goodwill number for Century, the slide deck indicated that you are expecting a material write up on some assets within some of the locations. Any sense of what kind of all in goodwill number we can anticipate for the fourth quarter once the deal closes? Kelly J. Harris: Yeah. Nate, I think it is too soon. I know that the increase in rates are gonna impact some of the marks. And so I think and then of the valuation pieces. So I think it is too soon to confirm that. Nathan Race: Okay. Fair enough. I appreciate all the color, guys. Congrats on the great quarter again. Thomas L. Travis: Thanks. Operator: Next question comes from Jordan Gendt with Stephens. Please go ahead. Jordan Gendt: Hey, good morning. Thanks for taking my question. I just wanted to kind of talk about the loan deposit ratio. I mean, historically, you guys have been operating with a higher loan deposit ratio kind of in the mid nineties. Kind of now with Century, where do you see that kind of going? Do you expect it to go back up to the kind of mid nineties high towards a 100%, or do you do you expect to keep it a little lower? Thanks. Thomas L. Travis: that is a function, as you well know, that is a function of a lot of different things. And which include liquidity, capital, and debt instruments, and ability to capture liquidity if necessary. And so it also is impacted by the loan maturity distribution schedule. We have our loan portfolio. We have a high number of notes that mature during the year. And so it is much more complex. it is much more dynamic than a simple answer. I would just say that just similar to our NIM, you know, you probably will not see us operate much below 80% in our in our world. There will be times depending on all those various factors that I just mentioned that we may sneak up to that 95% level And, again, that would just depend on the circumstances as far as capital and liquidity and markets and all the things that we see. But generally speaking, 1 thing I will say is that if you see us operating in those higher ranges, we are going to be doing that only if we have tremendous source of funding that are overnight capable sources to make darn sure that the bank is well positioned for any kind of a macro event, for any kind of liquidity scare like we saw in March 2023, And so I know that is a long potential nonanswer, but the fact is we are comfortable operating in that band and those ranges depending on all those factors and circumstances. Jordan Gendt: Got it. And then maybe just 1 more. On the onetime transaction expenses that you guys had in the IP. Of, I think it was 16 around $16 million Has any of that been realized already? And maybe what is remaining or how much of it is remaining, I guess? Thomas L. Travis: What was the question? The. Jordan Gendt: Sorry. The onetime merger expenses you guys had. I think you said $16.2 million you guys put in the slide deck. Thomas L. Travis: Oh, those are. Though you have got. that is the catch all. Investment banker fees, those are conversion fees, early contract termination. Yeah. All those things that will be realized. it is just like any other M&A transaction. Jordan Gendt: Okay. Okay. Thank you. Operator: This concludes our question and answer session. I would like to turn the conference back over to Tom Travis for any closing remarks. Thomas L. Travis: Thank you again for participating. We appreciate our investment partners, and we appreciate the analysts covering us the way they do. And if there is any of our team members that are on the call, we appreciate you a lot. And if there is anybody from Century that is on the call, we are super excited to be joining forces together and looking forward to the future together. And, onward and upward for more good results for our great company. So thank you very much. Operator: The conference has now concluded. Thank you for attending today's presentation. You may now disconnect. 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This article first appeared on GuruFocus. - Loan Growth: Very strong loan growth, stronger than reported due to substantial unscheduled paydowns from large customers. - Net Interest Margin (NIM): Continued benefit from strong and consistent NIM through disciplined loan and deposit pricing. - Excess Capital: Maintained excess capital, prudently preserved for the pending merger with Century in New Mexico. - Pending Merger: Pending acquisition of Century, a deposit and banking franchise in New Mexico (Santa Fe and surrounding areas), described as transformational and beneficial. - Warning! GuruFocus has detected 9 Warning Sign with BSVN. - Is BSVN fairly valued? Test your thesis with our free DCF calculator. Release Date: October 15, 2026 For the complete transcript of the earnings call, please refer to the full earnings call transcript. - Strong loan growth despite substantial unscheduled paydowns from large customers, demonstrating effective loan origination and relationship management. - Disciplined loan and deposit pricing supports a strong and consistent net interest margin (NIM). - Pending merger with Century Financial provides a source of cheap core funding and is expected to be neutral to accretive to NIM. - Robust economy in Texas and Oklahoma, with business-friendly markets, supports Bank7 Corp's growth prospects. - Experienced management team with a long track record of execution and consistent top-tier results. - Significant loan paydowns ($130 million in Q3) create headwinds to reported growth and require backfilling. - Competitive loan pricing environment persists, with many banks aggressively deploying capital into loans. - Integration risks and potential efficiency ratio creep initially, as seen with the previous Cornerstone deal. - Uncertainty around Century's loan portfolio, including planned exit from loan participations, may impact near-term growth. - One-time merger expenses of $16.2 million will weigh on Q4 results, and cost savings realization is partially delayed until systems conversion in July. Q: With deposits up significantly and the Century Financial acquisition adding cheap core funding, what does Bank7 plan to do with the excess liquidity, and is the strong loan pipeline behind this build?A: CFO Kelly Harris explained that the bank deliberately held higher deposit balances and excess liquidity during the quarter due to known loan fundings and cash outflows tied to the pending merger. He noted the loan pipeline remains strong, and the plan going forward is to deploy that liquidity as the merger closes. Q: What is the NIM guidance pro forma for Century Financial, and how would an additional rate hike affect margins?A: CFO Kelly Harris said the deal is currently viewed as neutral to margin, with plans to sell some to all of Century's bonds, generating meaningful cash to be deployed methodically. For legacy Bank7, loan beta was close to 60% and deposit beta around 52% in the quarter; assuming a Q4 rate hike, loan beta is expected in the 65%70% range with deposit beta assumed lower. Q: How does the Century acquisition change Bank7's historical high single-digit to low double-digit loan growth trajectory, and is any loan runoff anticipated?A: Management said there is no day-one plan to run off loan balances, and they expect steady mid-single-digit to low double-digit company-wide growth. They noted over $130 million in payoffs this quarter (following significant Q2 payoffs) that were backfilled, with visibility into additional Q4 fundings. CEO Tom Travis added that Century used loan participations more aggressively, and Bank7 does not intend to pursue those, exiting them as they mature to provide additional funding. Q: What is the expense outlook for the Century deal, including the timing of cost saves and the systems conversion?A: CFO Kelly Harris pointed to the prior Cornerstone deal, where the efficiency ratio rose a couple hundred basis points initially before improving, and expressed confidence Century's non-interest expense can be run at or below Bank7's current level. CEO Tom Travis said roughly 75% of cost savings should be achieved immediately in the first quarter, with the remaining 25% spread through the end of the second quarter, tied to a July systems conversion date. Q: Is 2027 a digest-and-integrate year for Bank7, or should we expect additional M&A?A: CEO Tom Travis said the team is "always in a shoot, move, communicate mode" and would be disappointed to let merger noise and expense linger far into 2027. He acknowledged the conversion date (July) forces realization of the last 20%25% of efficiencies, but stressed the bank will create as many efficiencies as possible on day one, with the back half of the year more profitable than the front half. Q: Where does Bank7 expect its loan-to-deposit ratio to settle with Century, given its historical mid-90s operating range?A: CEO Tom Travis said the ratio depends on liquidity, capital, debt instruments, and the loan maturity schedule, calling it dynamic rather than simple. He said the bank likely won't operate much below 80%, may occasionally reach the 95% level, and would only run in higher ranges if it has strong overnight-capable funding sources to withstand macro or liquidity shocks like March 2023. Q: What are the competitive dynamics and new loan pricing trends across Bank7's markets and specialties?A: Management said they have seen no dynamic changes, describing consistently tough competition in all active lending markets for the last three to four years, aside from a brief COVID period when some banks pulled back. They emphasized that relationship bankers win in this environment, and core loan yields ticked up two basis points quarter-over-quarter. Q: How does Bank7 think about remixing Century's loan portfolio over the medium to longer term?A: A company representative said Bank7 will continue doing what it has done historically, expanding into a couple of new markets and catering to business owners, entrepreneurs, and high-net-worth individuals with commercial lending. The deal also provides an opportunity to share newly acquired funds into the Dallas market, which is consistently funding-challenged with more loan growth than deposit growth. Q: What goodwill number should we anticipate for the Century acquisition in Q4 once the deal closes?A: CFO Kelly Harris said it is too soon to confirm, noting that the increase in rates will impact some of the marks and valuation pieces, so the all-in goodwill figure cannot yet be provided. Q: Regarding the roughly $16.2 million in one-time merger expenses disclosed in the slide deck, how much has been realized and what remains?A: CEO Tom Travis clarified that the $16.2 million is a catch-all covering investment banker fees, conversion fees, and early contract termination costs, all of which will be realized in Q4, consistent with any other M&A transaction. Q: What is the outlook for deploying Century's bond portfolio proceeds and the resulting margin bias?A: CFO Kelly Harris said the bank intends to sell some to all of Century's bonds, generating meaningful cash to be deployed methodically, with outcomes ranging from neutral to accretive to margin. CEO Tom Travis added that post-merger, the influx of cheaper cost of funds gives a near- to medium-term bias toward more easily maintaining margin, though that advantage will gradually dissipate as funds are redeployed, potentially into slightly lower-yielding loans. For the complete transcript of the earnings call, please refer to the full earnings call transcript.

Bank7 Corp. (NASDAQ:BSVN) reported third-quarter 2026 earnings that exceeded analysts' expectations, although revenue fell short of forecasts as net interest income and margins declined compared with the previous year. The Oklahoma City-based bank holding company reported adjusted earnings of $1.06 per share for the quarter ended 30 September 2026, slightly ahead of the consensus estimate of $1.05. Quarterly revenue totalled $23.37 million, below analysts' expectations of $23.75 million. Bank7 shares declined approximately 0.95% in pre-market trading following the announcement. The results reflected continued loan portfolio growth and an improvement in sequential pre-provision earnings, alongside lower year-on-year profitability and pressure on net interest margins. Bank7 reported third-quarter net income of $10.20 million, equivalent to $1.06 per diluted share, compared with $10.84 million, or $1.13 per diluted share, in the corresponding period of 2025. The figures represented a year-on-year decline in net income of approximately 5.9%, while diluted earnings per share decreased by 6.2%. Net interest income fell to $22.30 million from $23.03 million a year earlier, a reduction of approximately 3.2%. The bank's net interest margin narrowed to 4.77%, compared with 5.07% in the third quarter of 2025, representing a decline of 30 basis points. The lower margin indicated reduced profitability from the difference between interest earned on assets and interest paid on funding, relative to average interest-earning assets. Despite the year-on-year decline in net interest income, Bank7's adjusted earnings per share remained slightly ahead of market expectations. Bank7 continued to expand its lending portfolio during the quarter, with total loans reaching $1.63 billion at 30 September 2026. The figure represented an increase of 2.22% compared with the previous quarter, despite significant loan repayments during the period. Total assets increased by 4.84% quarter-on-quarter to $2.01 billion. The growth reflected continued expansion of the bank's balance sheet, even as net interest margins remained below their year-earlier level. Thomas L. Travis, President and Chief Executive Officer of Bank7, highlighted the bank's lending performance and new business opportunities. "We are pleased with another quarter of strong core results, including growth in the loan book despite significant payoffs, while also maintaining a healthy pipeline of new loans," Travis said. The comments indicated that management continued to see opportunities for lending growth despite repayments within the existing portfolio. Bank7 recorded no provision for credit losses during the third quarter, compared with a provision of $700,000 in the same period last year. The absence of a quarterly provision reduced the expense recognised for expected credit losses, although the announcement did not provide sufficient information to establish whether underlying credit quality had improved. Pre-provision pre-tax earnings reached $13.62 million, representing a 23.65% increase from the previous quarter. This measure excludes the effects of credit loss provisions and income taxes, providing an additional indication of operating profitability before those items. The sequential improvement in pre-provision earnings contrasted with the year-on-year decline in net income and net interest income. The results therefore showed differing trends across Bank7's profitability measures, with stronger quarterly operating performance before provisions alongside continued pressure on interest margins. Bank7 also provided an update on its planned merger with Century Financial, which is expected to expand the bank's operations into New Mexico. The company confirmed that Century Financial shareholders had approved the previously announced transaction. Completion is expected on 1 November 2026, following receipt of all necessary regulatory approvals. The merger represents a geographic expansion for Bank7, extending its existing banking franchise into an additional US state. The company did not disclose new financial terms or updated earnings projections associated with the transaction in its third-quarter announcement. The planned acquisition will be an important development for the bank as it seeks to expand its market presence and lending activities. Bank7 reported that its capital position remained significantly above the regulatory thresholds required for institutions classified as well capitalised. The bank's Tier 1 leverage ratio stood at 14.12% as of 30 September 2026. The ratio measures Tier 1 capital relative to a bank's adjusted average consolidated assets and provides an indication of its capital position. Maintaining capital levels above regulatory requirements provides a buffer against potential losses and supports the bank's ability to fund future operations. Bank7's third-quarter results showed continued balance sheet expansion and a modest earnings beat, offset by lower net interest income, margin compression and revenue below market expectations. Investors will also be monitoring the expected completion of the Century Financial merger in November, which will extend Bank7's geographic footprint into New Mexico. Bank7 Corp stock price

Our analysts just identified a stock with the potential to be the next Nvidia. Tell us how you invest and we'll show you why it's our #1 pick. Tap here. - Management attributed the quarter's performance to a disciplined approach to loan and deposit pricing, which sustained a consistent Net Interest Margin (NIM) despite significant unscheduled loan paydowns exceeding $130 million. - The company emphasized that their decision to hold excess capital rather than distributing it was a deliberate strategic choice to wait for a transformational opportunity, ultimately leading to the Century merger. - Operational success was driven by the team's ability to backfill large payoffs through a robust loan pipeline, particularly within business-friendly markets in Texas and Oklahoma. - The Century acquisition is framed as a strategic pivot to secure a high-quality, low-cost deposit franchise in New Mexico, addressing historical funding challenges in high-growth markets like Dallas. - Management maintains a philosophy of catering to entrepreneurs and high-net-worth individuals, intending to apply this same commercial banking model to the newly acquired New Mexico territories. - The bank intentionally built up excess liquidity during the quarter as a conservative measure to prepare for known loan fundings and the cash requirements of the pending merger. - The Century merger is expected to be neutral to NIM initially, with potential accretion depending on the methodical liquidation and redeployment of Century's bond portfolio into higher-yielding loans. - Management anticipates achieving approximately 75% of projected cost savings immediately in the first quarter post-merger, with the remainder realized by the end of the second quarter. - Future loan pricing may become more flexible due to the influx of cheaper core funding, though management intends to prioritize margin maintenance over aggressive volume growth. - The company expects a loan beta of 65% to 70% in the fourth quarter assuming a rate hike, while projecting a lower, though less certain, deposit beta. - Strategic plans include exiting Century's legacy loan participations as they mature to further optimize the balance sheet and focus on core commercial lending. - One-time merger expenses are estimated at $16.2 million, covering investment banking fees, system conversion costs, and early contract terminations. - A full system conversion is scheduled for July 2027, which represents the final hurdle for realizing the remaining 20-25% of efficiency gains. - Management flagged that goodwill and asset write-ups for the Century deal remain uncertain due to the impact of fluctuating interest rates on valuation marks. - The bank is comfortable operating with a loan-to-deposit ratio between 80% and 95%, provided they maintain overnight liquidity sources to buffer against macro shocks. One stock. Nvidia-level potential. 30M+ investors trust Moby to find it first. Get the pick. Tap here. - Management confirmed the elevated cash position was a strategic buffer for the merger and to fund a strong existing loan pipeline. - They noted that despite $130 million in payoffs, the pipeline remains active enough to drive continued growth in the fourth quarter. - The deal is viewed as margin-neutral initially; management intends to sell some or all of Century's bonds to generate cash for methodical redeployment. - The influx of cheaper funds provides a 'bias' toward easier margin maintenance in the near-to-medium term. - Management expects the efficiency ratio to improve significantly after an initial post-merger creep, aiming to operate Century's expenses at or below Bank7's current levels. - Approximately 75% of cost saves are targeted for Q1, with the back half of 2027 expected to be more profitable than the front half. - Management stated they are always in 'shoot, move, communicate' mode, suggesting they will not let integration noise prevent them from looking at new opportunities. - They expressed a desire to move quickly on efficiencies rather than taking a casual approach to the integration period.

OKLAHOMA CITY, Oct. 15, 2026 /PRNewswire/ -- Bank7 Corp. (NASDAQ: BSVN) (the "Company"), the parent company of Oklahoma City-based Bank7 (the "Bank"), today reported unaudited results for the quarter ended September 30, 2026. "We are pleased with another quarter of strong core results, including growth in the loan book despite significant payoffs, while also maintaining a healthy pipeline of new loans. The Company continues to benefit from high capital levels, robust liquidity, a strong net interest margin, and excellent credit quality, supported by our properly matched balance sheet and our position in dynamic markets. Regarding the Century merger, we are pleased to report that in addition to receiving all regulatory approvals, the Century Financial shareholders have approved the merger, which is expected to close on November 1, 2026. The merger will extend the franchise into New Mexico and will allow the Company's proven model to leverage Century's core deposits to provide a highly accretive impact on earnings," said Thomas L. Travis, President and CEO of the Company. For the three months ended September 30, 2026 compared to the three months ended June 30, 2026: - Net income of $10.20 million compared to $8.35 million, an increase of 22.25% - Earnings per share of $1.06 compared to $0.87, an increase of 21.84% - Total assets of $2.01 billion compared to $1.91 billion, an increase of 4.84% - Total loans of $1.63 billion compared to $1.60 billion, an increase of 2.22% - Pre-provision pre-tax earnings of $13.62 million compared to $11.02 million, an increase of 23.65% - Total interest income of $31.93 million compared to $30.93 million, an increase of 3.25% Both the Bank's and the Company's capital levels continue to be significantly above the minimum levels required to be designated as "well-capitalized" for regulatory purposes. On September 30, 2026, the Bank's Tier 1 leverage ratio, Tier 1 risk-based capital ratio, and total risk-based capital ratios were 14.12%, 15.18%, and 16.31%, respectively. On September 30, 2026, on a consolidated basis, the Company's Tier 1 leverage ratio, Tier 1 risk-based capital ratio, and total risk-based capital ratios were 14.12%, 15.17%, and 16.30%, respectively. Designation as a well-capitalized institution under regulations does not constitute a recommendation or endorsement by bank regulators. Non-GAAP Financial Measures: This earnings release contains the non-GAAP financial measure pre-provision pre-tax earnings. The Company's management uses this non-GAAP measure in their analysis of the Company's performance. This measure adjusts GAAP performance to exclude from net income, income tax expense, provision for credit losses, and loss on sales and calls of available-for-sale debt securities. | | | | | For the Three Months Ended | | | | | September 30, | | June 30, | | | | | 2026 | | 2026 Calculation of Pre-Provision Pre-Tax Earnings | | | | | (Dollars in thousands) Net Income | | | | | $ 10,203 | | $ 8,346 Income Tax Expense | | | | | 3,412 | | 2,669 Pre-tax net income | | | | | 13,615 | | 11,015 Add back: Provision for credit losses | | | | | - | | - Add back: (Gain)Loss on sales/calls of AFS debt securities | | | | | 5 | | - Pre-provision pre-tax earnings | | | | | $ 13,620 | | $ 11,015 Unaudited Condensed Consolidated Balance Sheets (Dollar amounts in thousands, except par value) Assets | September 30, 2026 (unaudited) | | December 31, 2025 | (Dollars in thousands) Cash and due from banks | $ 277,176 | | $ 244,635 Interest-bearing time deposits in other banks | - | | 10,457 Available-for-sale debt securities (amortized cost of $51,714 and | | | $57,316 at September 30, 2026 and December 31, 2025, respectively) | 47,539 | | 54,019 Loans, net of allowance for credit losses of $19,367 and | | | $19,407 at September 30, 2026 and December 31, 2025, respectively | 1,613,521 | | 1,587,024 Loans held for sale | 2,677 | | 2,078 Premises and equipment, net | 27,131 | | 21,884 Nonmarketable equity securities | 1,376 | | 1,165 Core deposit intangibles | 658 | | 752 Goodwill | 11,208 | | 11,208 Interest receivable and other assets | 25,700 | | 30,418 | | | Total assets | $ 2,006,986 | | $ 1,963,640 | | | Liabilities and Shareholders' Equity | | | | | | Deposits | | | Noninterest-bearing | $ 328,111 | | $ 341,416 Interest-bearing | 1,392,947 | | 1,359,417 | | | Total deposits | 1,721,058 | | 1,700,833 | | | Income taxes payable | 139 | | 594 Interest payable and other liabilities | 12,064 | | 11,218 | | | Total liabilities | 1,733,261 | | 1,712,645 | | | Shareholders' equity | | | Common stock, $0.01 par value; 50,000,000 shares authorized; shares | | | issued and outstanding: 9,525,856 and 9,462,656 at September 30, 2026 | | | and December 31, 2025, respectively | 95 | | 95 Additional paid-in capital | 104,575 | | 103,739 Retained earnings | 172,264 | | 149,707 Accumulated other comprehensive loss | (3,209) | | (2,546) | | | Total shareholders' equity | 273,725 | | 250,995 | | | Total liabilities and shareholders' equity | $ 2,006,986 | | $ 1,963,640 Unaudited Condensed Consolidated Statements of Comprehensive Income (Dollar amounts in thousands, except per share data) | | Three Months Ended | | Nine Months Ended | | September 30, | | September 30, | | 2026 (unaudited) | | 2025 (unaudited) | | 2026 (unaudited) | | 2025 (unaudited) Interest Income | | (Dollars in thousands) Loans, including fees | | $ 29,513 | | $ 30,914 | | $ 90,105 | | $ 87,207 Interest-bearing time deposits in other banks | | 9 | | 160 | | 160 | | 406 Debt securities, taxable | | 243 | | 266 | | 742 | | 827 Debt securities, tax-exempt | | 57 | | 60 | | 176 | | 187 Other interest and dividend income | | 2,110 | | 2,317 | | 5,460 | | 7,315 | | | | | | | | Total interest income | | 31,932 | | 33,717 | | 96,643 | | 95,942 | | | | | | | | Interest Expense | | | | | | | | Deposits | | 9,631 | | 10,691 | | 28,244 | | 30,334 | | | | | | | | Total interest expense | | 9,631 | | 10,691 | | 28,244 | | 30,334 | | | | | | | | Net Interest Income | | 22,301 | | 23,026 | | 68,399 | | 65,608 | | | | | | | | Provision for Credit Losses | | - | | 700 | | - | | 700 | | | | | | | | Net Interest Income After Provision for Credit Losses | | 22,301 | | 22,326 | | 68,399 | | 64,908 | | | | | | | | Noninterest Income | | | | | | | | Mortgage lending income | | 492 | | 391 | | 1,343 | | 1,000 Loss on sales, prepayments, and calls of available-for-sale debt securities | | (5) | | (10) | | (5) | | (10) Service charges on deposit accounts | | 235 | | 248 | | 699 | | 697 Other | | 347 | | 1,581 | | 2,000 | | 4,976 | | | | | | | | Total noninterest income | | 1,069 | | 2,210 | | 4,037 | | 6,663 | | | | | | | | Noninterest Expense | | | | | | | | Salaries and employee benefits | | 5,740 | | 5,829 | | 18,267 | | 16,829 Furniture and equipment | | 362 | | 342 | | 1,126 | | 954 Occupancy | | 659 | | 668 | | 2,069 | | 1,890 Data and item processing | | 562 | | 515 | | 1,650 | | 1,615 Accounting, marketing and legal fees | | 902 | | 221 | | 1,924 | | 484 Regulatory assessments | | 259 | | 248 | | 777 | | 545 Advertising and public relations | | 171 | | 212 | | 441 | | 629 Travel, lodging and entertainment | | 185 | | 112 | | 359 | | 289 Other | | 915 | | 2,203 | | 5,372 | | 5,729 | | | | | | | | Total noninterest expense | | 9,755 | | 10,350 | | 31,985 | | 28,964 | | | | | | | | Income Before Taxes | | 13,615 | | 14,186 | | 40,451 | | 42,607 Income tax expense | | 3,412 | | 3,342 | | 9,896 | | 10,322 Net Income | | $ 10,203 | | $ 10,844 | | $ 30,555 | | $ 32,285 | | | | | | | | Earnings per common share - basic | | $ 1.07 | | $ 1.15 | | $ 3.21 | | $ 3.42 Earnings per common share - diluted | | 1.06 | | 1.13 | | 3.18 | | 3.38 Weighted average common shares outstanding - basic | | 9,524,105 | | 9,450,984 | | 9,511,608 | | 9,440,655 Weighted average common shares outstanding - diluted | | 9,639,992 | | 9,597,914 | | 9,615,649 | | 9,565,726 | | | | | | | | Other Comprehensive (Loss) Income | | | | | | | | Unrealized (losses) gains on securities, net of tax (benefit) expense of ($209) and $223 | | | | | | | | for the three months ended September 30, 2026 and 2025, respectively; net of tax (benefit) expense | | | | | | | | of ($214) and $642 for the nine months ended September 30, 2026 and 2025, respectively | | $ (640) | | $ 713 | | $ (667) | | $ 1,942 Reclassification adjustment for realized losses included in net income net of tax of $1 and $2 | | | | | | | | for the three months ended September 30, 2026 and 2025, respectively; | | | | | | | | $1 and $2 for the nine months ended September 30, 2026 and 2025, respectively | | 4 | | 8 | | 4 | | 8 Other comprehensive (loss) income | | $ (636) | | $ 721 | | $ (663) | | $ 1,950 Comprehensive Income | | $ 9,567 | | $ 11,565 | | $ 29,892 | | $ 34,235 | | Net Interest Margin | | For the Three Months Ended September 30, | | 2026 (unaudited) | | 2025 (unaudited) | | Average Balance | | Interest Income/ Expense | | Average Yield/ Rate | | Average Balance | | Interest Income/ Expense | | Average Yield/ Rate | | (Dollars in thousands) Interest-Earning Assets: | | | | | | | | | | | | Short-term investments | | $ 234,057 | | $ 2,119 | | 3.59 % | | $ 228,755 | | $ 2,477 | | 4.30 % Debt securities, taxable | | 40,889 | | 243 | | 2.36 | | 45,853 | | 266 | | 2.30 Debt securities, tax exempt | | 10,695 | | 57 | | 2.11 | | 11,972 | | 60 | | 1.99 Loans held for sale | | 3,519 | | 33 | | 3.72 | | 1,780 | | - | | - Total loans(1) | | 1,566,740 | | 29,480 | | 7.46 | | 1,512,147 | | 30,914 | | 8.11 Total interest-earning assets | | 1,855,900 | | 31,932 | | 6.83 | | 1,800,507 | | 33,717 | | 7.43 Noninterest-earning assets | | 40,508 | | | | | | 42,578 | | | | Total assets | | $ 1,896,408 | | | | | | $ 1,843,085 | | | | | | | | | | | | | | | | Funding sources: | | | | | | | | | | | | Interest-bearing liabilities: | | | | | | | | | | | | Deposits: | | | | | | | | | | | | Transaction accounts | | $ 1,012,427 | | $ 7,015 | | 2.75 % | | $ 1,040,322 | | $ 8,388 | | 3.20 % Time deposits | | 292,564 | | 2,616 | | 3.55 | | 233,433 | | 2,303 | | 3.91 Total interest-bearing deposits | | 1,304,991 | | 9,631 | | 2.93 | | 1,273,755 | | 10,691 | | 3.33 Total interest-bearing liabilities | | $ 1,304,991 | | 9,631 | | 2.93 | | $ 1,273,755 | | 10,691 | | 3.33 | | | | | | | | | | | | Noninterest-bearing liabilities: | | | | | | | | | | | | Noninterest-bearing deposits | | $ 308,711 | | | | | | $ 320,238 | | | | Other noninterest-bearing liabilities | | 11,377 | | | | | | 11,501 | | | | Total noninterest-bearing liabilities | | 320,088 | | | | | | 331,739 | | | | Shareholders' equity | | 271,329 | | | | | | 237,591 | | | | Total liabilities and shareholders' equity | | $ 1,896,408 | | | | | | $ 1,843,085 | | | | | | | | | | | | | | | | Net interest income | | | | $ 22,301 | | | | | | $ 23,026 | | Net interest spread | | | | | | 3.90 % | | | | | | 4.10 % Net interest margin | | | | | | 4.77 % | | | | | | 5.07 % | (1) | Nonaccrual loans are included in total loans | | Net Interest Margin | | For the Nine Months Ended September 30, | | 2026 (unaudited) | | 2025 (unaudited) | | Average Balance | | Interest Income/ Expense | | Average Yield/ Rate | | Average Balance | | Interest Income/ Expense | | Average Yield/ Rate | | (Dollars in thousands) Interest-Earning Assets: | | | | | | | | | | | | Short-term investments | | $ 209,553 | | $ 5,620 | | 3.59 % | | $ 238,118 | | $ 7,721 | | 4.34 % Debt securities, taxable | | 42,196 | | 742 | | 2.35 | | 47,248 | | 827 | | 2.34 Debt securities, tax exempt | | 10,906 | | 176 | | 2.16 | | 12,327 | | 187 | | 2.03 Loans held for sale | | 2,506 | | 93 | | 4.96 | | 1,453 | | - | | - Total loans(1) | | 1,583,699 | | 90,012 | | 7.60 | | 1,453,557 | | 87,207 | | 8.02 Total interest-earning assets | | 1,848,860 | | 96,643 | | 6.99 | | 1,752,703 | | 95,942 | | 7.32 Noninterest-earning assets | | 39,059 | | | | | | 41,871 | | | | Total assets | | $ 1,887,919 | | | | | | $ 1,794,574 | | | | | | | | | | | | | | | | Funding sources: | | | | | | | | | | | | Interest-bearing liabilities: | | | | | | | | | | | | Deposits: | | | | | | | | | | | | Transaction accounts | | $ 1,024,563 | | $ 20,958 | | 2.73 % | | $ 1,001,583 | | $ 23,182 | | 3.09 % Time deposits | | 273,187 | | 7,286 | | 3.57 | | 235,278 | | 7,152 | | 4.06 Total interest-bearing deposits | | 1,297,750 | | 28,244 | | 2.91 | | 1,236,861 | | 30,334 | | 3.28 Total interest-bearing liabilities | | $ 1,297,750 | | $ 28,244 | | 2.91 | | $ 1,236,861 | | $ 30,334 | | 3.28 | | | | | | | | | | | | Noninterest-bearing liabilities: | | | | | | | | | | | | Noninterest-bearing deposits | | $ 316,459 | | | | | | $ 319,346 | | | | Other noninterest-bearing liabilities | | 10,023 | | | | | | 10,657 | | | | Total noninterest-bearing liabilities | | 326,482 | | | | | | 330,003 | | | | Shareholders' equity | | 263,687 | | | | | | 227,710 | | | | Total liabilities and shareholders' equity | | $ 1,887,919 | | | | | | $ 1,794,574 | | | | | | | | | | | | | | | | Net interest income | | | | $ 68,399 | | | | | | $ 65,608 | | Net interest spread | | | | | | 4.08 % | | | | | | 4.04 % Net interest margin | | | | | | 4.95 % | | | | | | 5.00 % | (1) | Nonaccrual loans are included in total loans About Bank7 Corp. We are Bank7 Corp., a bank holding company headquartered in Oklahoma City, Oklahoma. Through our wholly-owned subsidiary, Bank7, we operate twelve locations in Oklahoma, the Dallas/Fort Worth, Texas metropolitan area and Kansas. We are focused on serving business owners and entrepreneurs by delivering fast, consistent and well-designed loan and deposit products to meet their financing needs. We intend to grow organically by selectively opening additional branches in our target markets as well as pursue strategic acquisitions. Conference Call Bank7 Corp. has scheduled a conference call to discuss its third quarter results, which will be broadcast live over the Internet, on Thursday, October 15, 2026 at 9:00 a.m. central standard time. To participate in the call, dial 1-888-348-6421, or access it live over the Internet at https://app.webinar.net/zy8DdJzd536. For those not able to participate in the live call, an archive of the webcast will be available at https://app.webinar.net/zy8DdJzd536 shortly after the call for 1 year. Cautionary Statements Regarding Forward-Looking Information This communication contains a number of forward-looking statements. These forward-looking statements reflect Bank7 Corp.'s current views with respect to, among other things, future events and Bank7 Corp.'s financial performance. Any statements about Bank7 Corp.'s expectations, beliefs, plans, predictions, forecasts, objectives, assumptions or future events or performance are not historical facts and may be forward-looking. These statements are often, but not always, made through the use of words or phrases such as "anticipate," "believes," "can," "could," "may," "predicts," "potential," "should," "will," "estimate," "plans," "projects," "continuing," "ongoing," "expects," "intends" and similar words or phrases. Any or all of the forward-looking statements in (or conveyed orally regarding) this presentation may turn out to be inaccurate. The inclusion of or reference to forward-looking information in this presentation should not be regarded as a representation by Bank7 Corp. or any other person that the future plans, estimates or expectations contemplated by Bank7 Corp. will be achieved. These forward-looking statements are subject to significant uncertainties because they are based upon: the timing of the closing of the acquisition of Century Financial Services Corporation; the amount and timing of future changes in interest rates, market behavior, and other economic conditions; future laws, regulations, and accounting principles; changes in regulatory standards and examination policies, and a variety of other matters. These other matters include, among other things, the direct and indirect effect of economic conditions on interest rates, credit quality, loan demand, liquidity, and monetary and supervisory policies of banking regulators. Bank7 Corp. has based these forward-looking statements largely on its current expectations and projections about future events and financial trends that Bank7 Corp. believes may affect its financial condition, results of operations, business strategy and financial needs. Bank7 Corp.'s actual results could differ materially from those anticipated in such forward-looking statements as a result of risks, uncertainties and assumptions that are difficult to predict. If one or more events related to these or other risks or uncertainties materialize, or if Bank7 Corp.'s underlying assumptions prove to be incorrect, actual results may differ materially from what Bank7 Corp. anticipates. You are cautioned not to place undue reliance on forward-looking statements. Further, any forward-looking statement speaks only as of the date on which it is made and Bank7 Corp. undertakes no obligation to update or revise any forward-looking statement to reflect events or circumstances after the date on which the statement is made or to reflect the occurrence of unanticipated events, except as may be required by law. All forward-looking statements herein are qualified by these cautionary statements. Contact: Thomas Travis President & CEO (405) 810-8600 View original content to download multimedia:https://www.prnewswire.com/news-releases/bank7-corp-announces-q3-2026-earnings-302909255.html

For the quarter ended September 2026, Bank7 (BSVN) reported revenue of $23.37 million, down 7.4% over the same period last year. EPS came in at $1.06, compared to $1.13 in the year-ago quarter. The reported revenue represents a surprise of -1.53% over the Zacks Consensus Estimate of $23.73 million. With the consensus EPS estimate being $1.00, the EPS surprise was +6%. While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance. Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance. Here is how Bank7 performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts: - Efficiency ratio: 41.6% compared to the 40.6% average estimate based on two analysts. - Net interest margin: 4.8% compared to the 4.9% average estimate based on two analysts. - Tier 1 leverage ratio: 14.1% versus the two-analyst average estimate of 13.9%. - Total risk-based capital ratio: 16.3% versus 16.4% estimated by two analysts on average. - Tier 1 risk-based capital ratio: 15.2% versus the two-analyst average estimate of 15.2%. - Net charge-offs to average loans: 0% versus the two-analyst average estimate of 0.1%. - Net Interest Income: $22.3 million versus the two-analyst average estimate of $22.71 million. - Mortgage lending income: $0.49 million versus the two-analyst average estimate of $0.46 million. - Total Noninterest Income: $1.07 million versus the two-analyst average estimate of $1.02 million. - Other: $0.35 million compared to the $0.31 million average estimate based on two analysts. - Service charges on deposit accounts: $0.24 million versus $0.24 million estimated by two analysts on average. View all Key Company Metrics for Bank7 here>>> Shares of Bank7 have returned +1.2% over the past month versus the Zacks S&P 500 composite's +1.4% change. The stock currently has a Zacks Rank #5 (Strong Sell), indicating that it could underperform the broader market in the near term. Want the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report Bank7 Corp. (BSVN) : Free Stock Analysis Report This article originally published on Zacks Investment Research (zacks.com). Zacks Investment Research

Wall Street expects a year-over-year increase in earnings on higher revenues when CoastalSouth Bancshares, Inc. (COSO) reports results for the quarter ended September 2026. While this widely-known consensus outlook is important in gauging the company's earnings picture, a powerful factor that could impact its near-term stock price is how the actual results compare to these estimates. The earnings report might help the stock move higher if these key numbers are better than expectations. On the other hand, if they miss, the stock may move lower. While the sustainability of the immediate price change and future earnings expectations will mostly depend on management's discussion of business conditions on the earnings call, it's worth handicapping the probability of a positive EPS surprise. This company is expected to post quarterly earnings of $0.61 per share in its upcoming report, which represents a year-over-year change of +13%. Revenues are expected to be $24.03 million, up 12.9% from the year-ago quarter. The consensus EPS estimate for the quarter has been revised 3.85% lower over the last 30 days to the current level. This is essentially a reflection of how the covering analysts have collectively reassessed their initial estimates over this period. Investors should keep in mind that an aggregate change may not always reflect the direction of estimate revisions by each of the covering analysts. Price, Consensus and EPS Surprise Estimate revisions ahead of a company's earnings release offer clues to the business conditions for the period whose results are coming out. Our proprietary surprise prediction model -- the Zacks Earnings ESP (Expected Surprise Prediction) -- has this insight at its core. The Zacks Earnings ESP compares the Most Accurate Estimate to the Zacks Consensus Estimate for the quarter; the Most Accurate Estimate is a more recent version of the Zacks Consensus EPS estimate. The idea here is that analysts revising their estimates right before an earnings release have the latest information, which could potentially be more accurate than what they and others contributing to the consensus had predicted earlier. Thus, a positive or negative Earnings ESP reading theoretically indicates the likely deviation of the actual earnings from the consensus estimate. However, the model's predictive power is significant for positive ESP readings only. A positive Earnings ESP is a strong predictor of an earnings beat, particularly when combined with a Zacks Rank #1 (Strong Buy), 2 (Buy) or 3 (Hold). Our research shows that stocks with this combination produce a positive surprise nearly 70% of the time, and a solid Zacks Rank actually increases the predictive power of Earnings ESP. Please note that a negative Earnings ESP reading is not indicative of an earnings miss. Our research shows that it is difficult to predict an earnings beat with any degree of confidence for stocks with negative Earnings ESP readings and/or Zacks Rank of 4 (Sell) or 5 (Strong Sell). For CoastalSouth Bancshares, Inc., the Most Accurate Estimate is lower than the Zacks Consensus Estimate, suggesting that analysts have recently become bearish on the company's earnings prospects. This has resulted in an Earnings ESP of -2.48%. On the other hand, the stock currently carries a Zacks Rank of #3. So, this combination makes it difficult to conclusively predict that CoastalSouth Bancshares, Inc. will beat the consensus EPS estimate. While calculating estimates for a company's future earnings, analysts often consider to what extent it has been able to match past consensus estimates. So, it's worth taking a look at the surprise history for gauging its influence on the upcoming number. For the last reported quarter, it was expected that CoastalSouth Bancshares, Inc. would post earnings of $0.61 per share when it actually produced earnings of $0.59, delivering a surprise of -3.28%. The company has not been able to beat consensus EPS estimates in any of the last four quarters. An earnings beat or miss may not be the sole basis for a stock moving higher or lower. Many stocks end up losing ground despite an earnings beat due to other factors that disappoint investors. Similarly, unforeseen catalysts help a number of stocks gain despite an earnings miss. That said, betting on stocks that are expected to beat earnings expectations does increase the odds of success. This is why it's worth checking a company's Earnings ESP and Zacks Rank ahead of its quarterly release. Make sure to utilize our Earnings ESP Filter to uncover the best stocks to buy or sell before they've reported. CoastalSouth Bancshares, Inc. doesn't appear a compelling earnings-beat candidate. However, investors should pay attention to other factors too for betting on this stock or staying away from it ahead of its earnings release. Among the stocks in the Zacks Banks - Southeast industry, Bank7 (BSVN), is soon expected to post earnings of $1 per share for the quarter ended September 2026. This estimate indicates a year-over-year change of -11.5%. This quarter's revenue is expected to be $23.73 million, down 6% from the year-ago quarter. Over the last 30 days, the consensus EPS estimate for Bank7 has been revised 20.2% down to the current level. Nevertheless, the company now has an Earnings ESP of -5.00%, reflecting a lower Most Accurate Estimate. This Earnings ESP, combined with its Zacks Rank #5 (Strong Sell), makes it difficult to conclusively predict that Bank7 will beat the consensus EPS estimate. Over the last four quarters, the company surpassed consensus EPS estimates three times. Stay on top of upcoming earnings announcements with the Zacks Earnings Calendar. Want the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report CoastalSouth Bancshares, Inc. (COSO) : Free Stock Analysis Report Bank7 Corp. (BSVN) : Free Stock Analysis Report This article originally published on Zacks Investment Research (zacks.com). Zacks Investment Research