BSVN

This article first appeared on GuruFocus. Net Interest Margin (NIM): Highlighted as a key focus area, with management expressing confidence in their ability to manage it effectively regardless of interest rate changes. Release Date: April 14, 2026 For the complete transcript of the earnings call, please refer to the full earnings call transcript. Bank7 Corp (NASDAQ:BSVN) reported strong net interest margin (NIM) expansion during the quarter, maintaining a stable range of 4.40% to 4.45%. The company has a robust capital position, ending the quarter with a risk-based capital ratio of 15.96%, indicating strong financial health. Loan growth expectations remain intact with moderate single-digit growth anticipated, despite a slight slowdown from previous quarters. Bank7 Corp (NASDAQ:BSVN) has successfully managed its energy portfolio, which is at a 10-year low, minimizing exposure to volatile energy markets. The company has a strong team of bankers, contributing to consistent and impressive financial results over the years. Loan payoffs later in the quarter have dragged down end-of-period balances, indicating potential challenges in maintaining loan growth momentum. The competitive environment for deposit costs remains challenging, with potential for increased costs if interest rates rise. There is uncertainty regarding the provision and reserve levels due to unpredictable economic conditions, particularly with ongoing Middle Eastern conflicts. The company has experienced some credit downgrades, notably in the builder developer sector, which could impact future asset quality. Bank7 Corp (NASDAQ:BSVN) remains capital heavy, and while M&A opportunities are being pursued, there is no immediate plan for share buybacks, which could limit shareholder returns. Warning! GuruFocus has detected 6 Warning Signs with MAMA. Is BSVN fairly valued? Test your thesis with our free DCF calculator. Q: Can you provide an update on loan growth expectations for the remainder of the year, particularly in the energy portfolio? A: Jason Estes, Chief Credit Officer, stated that the company expects moderate single-digit loan growth, similar to last year. The energy portfolio is at a 10-year low, around 8% of the total portfolio, and is not expected to drive significant changes due to current market conditions. Q: How do you expect the net interest margin (NIM) to trend, assuming interest ra...

Bank7 reported a steady Q1 with continued loan production and margin resilience, guiding to “moderate single-digit” loan growth and modeling a core NIM of 440–445 bps. Management says the credit book is strong with nonperforming assets likely to fall to about $4–5M (~25 bps) and provisioning tied to loan growth and macro conditions; energy exposure is limited at just over 8% of the portfolio and not a major earnings driver. Capital remains healthy at roughly 16%+ risk-based capital, and management prefers organic growth or strategic M&A over routine buybacks, leaving repurchases as a possibility only at attractive prices. Interested in Bank7 Corp.? Here are five stocks we like better. Bank7 (NASDAQ:BSVN) executives said the bank entered 2026 with what management described as strong first-quarter performance, emphasizing steady loan production, net interest margin resilience, and continued flexibility in capital deployment. During the company’s first-quarter 2026 earnings call, President and CEO Thomas L. Travis credited the bank’s long-tenured team and said management remains confident in its ability to manage the balance sheet regardless of the direction of interest rates. Travis noted that market expectations around rate cuts have shifted in recent months, citing increased commodity prices tied to conflict in the Middle East, but said the bank is “not concerned about rates going down or rates going up” given its positioning. → 5 Space Stocks Already Climbing Ahead of the SpaceX IPO Asked about loan growth after average balances increased during the quarter while end-of-period loans were impacted by payoffs, Chief Credit Officer Jason Estes said the bank’s full-year expectations were unchanged. “Our goals for the year remain intact,” Estes said, adding that Bank7 continues to target “moderate single digit” loan growth. However, he also acknowledged that growth has slowed from the pace seen in the third and fourth quarters of last year, when bookings exceeded expectations. → 95% Options Surge: Smart Money Bets Big on a Super Micro Bounce Estes said the bank had “really nice bookings” in the first quarter and expects a familiar pattern of sizable payoffs offset by new originations. “I think you’ll see more of that this year, in the second quarter in particular,” he said. Management also addressed demand and exposure in the energy portfolio. Travis said energy...

Performance is attributed to a long-tenured banking team and a disciplined focus on maintaining a balanced, rate-insensitive balance sheet. Management expressed confidence in their ability to manage Net Interest Margin (NIM) regardless of whether interest rates rise or fall due to macro factors. Loan growth slightly moderated following a robust second half of the prior year, though new bookings remain healthy despite routine early payoffs. The energy portfolio has reached a 10-year low at approximately 8% of the total portfolio, as the bank remains opportunistic rather than aggressive in the sector. Liability costs improved due to the successful acquisition of quality core deposits by the banking team, supporting margin expansion. Strategic focus remains on organic growth and M&A, with management viewing their high capital levels as a tool for future strategic opportunities. Management expects moderate single-digit loan growth for the remainder of the year, anticipating sizable payoffs in the second quarter to be offset by new bookings. Core NIM is modeled to remain stable in the range of 4.40% to 4.45%, assuming interest rates remain at current levels through 2026. Loan fees are expected to revert to a normalized range of 28 to 35 basis points in future periods. Internal projections for the second quarter include non-interest expenses between $9 million and $9.25 million and non-interest income between $750,000 and $850,000. The bank anticipates a significant reduction or total exit from a specific outlier asset over the next few months, which has already met its cash recovery goals. A large builder/developer credit was downgraded during the quarter, though a full payoff is expected imminently, which would significantly reduce non-performing assets. Management noted that while they are 'capital heavy' with a risk-based capital ratio over 16%, they do not view share buybacks as a primary driver of franchise value. The Middle Eastern conflict and its impact on commodity prices are identified as primary drivers of current interest rate uncertainty and potential inflationary pressure. Non-accrual interest recoveries contributed approximately $1.1 million to the quarter's results, representing a non-recurring boost to the margin. 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...

Image source: The Motley Fool. Tuesday, April 14, 2026, at 11 a.m. ET Chief Executive Officer — Thomas L. Travis President — Jason E. Estes Chief Financial Officer — Kelly J. Harris Need a quote from a Motley Fool analyst? Email [email protected] Thomas L. Travis: Thank you. As you can see, we are happy with our results today. We regularly say, probably a little boring in this area, but we have to thank our team of bankers, and I know some of them listen to these calls, and if you are on the call, thank you. We have a great group that has been together for a few decades, and it is very comforting to have such a strong, deep, broad team. That is why we produce the results that we do. I suppose it is a little boring for some people quarter after quarter where we are always putting up these fantastic results, but it takes a lot of effort, and we do not take many days off around here, and we do it the right way, and the results speak for themselves. Last quarter, I think the markets were expecting rate cuts in this quarter. Now the market is thinking maybe the rates will go the other way due to the increase in commodity prices associated with the Middle Eastern conflict. Who knows? The reason I bring it up is that we are really proud of our ability to manage our NIM and to properly mix our balance sheet, and we are not concerned about rates going down or rates going up. We are positioned either way. With all of that said, you can see the major metrics in the deck, and we are here to answer any questions. Thank you. Operator: We will now begin the question-and-answer session. If you are using a speakerphone, please pick up your handset before pressing the keys. If you would like to withdraw the question, please press star then 2. Operator: At this time, we will pause momentarily to assemble our roster. Operator: Our first question comes from Nathan James Race with Piper Sandler. Please go ahead. Analyst: Hi. Good morning. This is Adam Pearl on for Nathan James Race, and thanks for taking my questions. Thomas L. Travis: Hey, Adam. Good morning. Analyst: Yeah. So maybe just starting on loan growth, it looks like average loan growth was pretty solid while some payoffs later in the quarter dragged down end-of-period balances. So I am curious if your expectations for loan growth have changed for the remainder of the year and, along with that, if you are seeing any noticeabl...

Bank7 (BSVN) came out with quarterly earnings of $1.25 per share, beating the Zacks Consensus Estimate of $1.01 per share. This compares to earnings of $1.08 per share a year ago. These figures are adjusted for non-recurring items. This quarterly report represents an earnings surprise of +23.76%. A quarter ago, it was expected that this company would post earnings of $1.03 per share when it actually produced earnings of $1.12, delivering a surprise of +8.74%. Over the last four quarters, the company has surpassed consensus EPS estimates four times. Bank7, which belongs to the Zacks Banks - Southeast industry, posted revenues of $26.16 million for the quarter ended March 2026, surpassing the Zacks Consensus Estimate by 10.37%. This compares to year-ago revenues of $22.59 million. The company has topped consensus revenue estimates three times 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 4.7% since the beginning of the year versus the S&P 500's gain of 0.6%. 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 mixed. 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 #3 (Hold) for the stock. So, the shares are expected to perform in line with 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 interestin...

OKLAHOMA CITY, April 14, 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 March 31, 2026. "We are pleased to announce record EPS, net income and PPE while maintaining a strong net interest margin, excellent credit quality, and robust liquidity. We are excited about 2026, as our properly matched balance sheet has us well positioned to continue to take advantage of our dynamic geographic region," said Thomas L. Travis, President and CEO of the Company. For the three months ended March 31, 2026 compared to the three months ended March 31, 2025: Net income of $12.01 million compared to $10.34 million, an increase of 16.16% Earnings per share of $1.25 compared to $1.08, an increase of 15.74% Total assets of $1.95 billion compared to $1.79 billion, an increase of 8.94% Total loans of $1.59 billion compared to $1.42 billion, an increase of 11.94% Pre-provision pre-tax earnings of $15.82 million compared to $13.71 million, an increase of 15.37% Total interest income of $33.78 million compared to $30.44 million, an increase of 10.99% 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 March 31, 2026, the Bank's Tier 1 leverage ratio, Tier 1 risk-based capital ratio, and total risk-based capital ratios were 13.24%, 14.79%, and 15.96%, respectively. On March 31, 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 13.24%, 14.78%, and 15.96%, 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. About Bank7 Corp. We are Bank7 Corp., a bank holding company headquartered in Oklahoma City, Oklahoma. Through our wholly-owned subsidiary, Ban...

OKLAHOMA CITY (AP) — OKLAHOMA CITY (AP) — Bank7 Corp. (BSVN) on Tuesday reported first-quarter profit of $12 million. The bank, based in Oklahoma City, said it had earnings of $1.25 per share. The company posted revenue of $35.7 million in the period. Its revenue net of interest expense was $26.2 million, surpassing Street forecasts. Bank7 shares have increased almost 5% since the beginning of the year. The stock has increased 24% in the last 12 months. _____ This story was generated by Automated Insights (http://automatedinsights.com/ap) using data from Zacks Investment Research. Access a Zacks stock report on BSVN at https://www.zacks.com/ap/BSVN

OKLAHOMA CITY, April 2, 2026 /PRNewswire/ -- Bank7 Corp. (NASDAQ: BSVN), the parent company of Oklahoma City-based Bank7, announces that its financial results for the first quarter ending on March 31, 2026 will be released before the market opens on Tuesday, April 14, 2026 and at 10:00 a.m. central standard time that same day, the company will hold a conference call to discuss the financial results with investors. To participate in the call, dial 1-888-348-6421, or access it live over the internet at https://app.webinar.net/5Kz4qdQLXjl. For those not able to participate in the live call, an archive of the webcast will be available at https://app.webinar.net/5Kz4qdQLXjl. shortly after the call for 1 year. About Bank7 Corp. Bank7 Corp. is 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 and we will also pursue strategic acquisitions. For more information about Bank7 and its products, visit bank7.com Contact: Tom Travis Bank7 1039 N.W. 63rd St. Oklahoma City, OK. 73116 Ph: 405-810-8600 / [email protected] View original content to download multimedia:https://www.prnewswire.com/news-releases/bank7-corp-announces-first-quarter-2026-earnings-conference-call-302724526.html

OKLAHOMA CITY, March 5, 2026 /PRNewswire/ -- Bank7 Corp. (NASDAQ: BSVN), the parent company of Oklahoma City-based Bank7, today announced the declaration of a quarterly cash dividend of $0.27 per share on its outstanding common stock. The dividend will be paid on April 3, 2026, to shareholders of record as of the close of business on March 19, 2026. 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 full-service branches 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 pursuing strategic acquisitions. 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 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 policie...

This article first appeared on GuruFocus. Loan Growth: Outstanding loan growth reported for 2025. Loan Fee Income: Strong performance in loan fee income. Organic Deposit Growth: Very solid organic deposit growth achieved. Asset Quality: Asset quality is better than it has ever been. Provision for Loan Losses: No significant increase in provision despite growth. Warning! GuruFocus has detected 4 Warning Signs with IIIN. Is BSVN fairly valued? Test your thesis with our free DCF calculator. Release Date: January 15, 2026 For the complete transcript of the earnings call, please refer to the full earnings call transcript. Bank7 Corp (NASDAQ:BSVN) reported outstanding loan growth and strong loan fee income for 2025. The company achieved solid organic deposit growth, contributing to its financial strength. Asset quality is at an all-time high, with no sacrifice in underwriting standards. Operations, IT, and finance functions have evolved, making processes more efficient. The company is well-positioned to continue performing at a high level in 2026. Net interest margin experienced slight compression, coming off an all-time high. Deposit pricing competition remains tough, with depositors demanding higher rates. Non-interest-bearing deposits decreased slightly, reflecting customer awareness of interest rates. The company faces challenges in maintaining loan growth pace due to pricing pressures. Excess capital is piling up, potentially impacting return on equity despite strong growth. Q: Has payoff activity been lighter than expected, and what are the forward expectations for growth? A: Jason Estes, Chief Credit Officer, explained that while there was accelerated payoff activity due to thriving economies in Oklahoma and Texas, the bank managed to maintain strong loan growth. He noted that payoffs were lighter in the fourth quarter and emphasized the bank's focus on capturing market share in dynamic regions like Oklahoma City, Tulsa, and the Dallas-Fort Worth metroplex. Q: Can growth in 2026 match the strong performance of 2025? A: Jason Estes indicated that matching 2025's growth would be a stretch due to pricing pressures. The bank remains disciplined in maintaining margins while aiming for similar loan growth, balancing funding needs and market conditions. Q: How do you expect the net interest margin (NIM) to trend with potential rate cuts? A: Kelly Harris, CFO, note...

Strong loan and deposit growth: Management touted standout loan growth, loan fee income and organic deposit gains in Q4 and full-year 2025, achieved with disciplined underwriting and what executives called historically strong asset quality. Net interest margin at an inflection point: NIM compressed modestly after rate cuts as many loans hit floors and some time deposits repriced; management cited a starting reference of ~4.45% but said the margin could drift toward historical lows (~4.35% or slightly below) depending on further rate moves and deposit pressure. Conservative capital strategy: Bank7 is prioritizing capital build and optionality over meaningful share repurchases, remaining selective on M&A and walking away from deals that don't meet pricing or asset-quality standards. Interested in Bank7 Corp.? Here are five stocks we like better. Bank7 (NASDAQ:BSVN) executives struck an upbeat tone on the company’s fourth-quarter and full-year 2025 earnings call, highlighting what management described as standout performance in loan growth, loan fee income, and organic deposit growth—achieved, they said, without loosening underwriting standards. President and CEO Tom Travis credited results to the company’s bankers and emphasized that underwriting discipline helped support asset quality. He also said the company did not feel compelled to materially increase provisioning despite strong balance sheet growth, noting that asset quality is “probably better than it’s ever been.” → Broadcom Earns ‘Top Pick’ Status From Wall Street’s Biggest Banks In response to questions about the pace of loan growth and payoff activity, Chief Credit Officer Jason Estes said the company closely tracks originations and payoffs and attributed the volume of opportunities to strong economic conditions in Bank7’s footprint, particularly Oklahoma and Texas. Estes said payoffs were “accelerated” throughout 2025 and provided a framework for how the company thinks about growth. He said Bank7 expects roughly $25 million per month of payoffs and indicated that to grow, the bank needs about $35 million to $45 million per month of new fundings. He added that fourth-quarter payoffs were lighter than earlier in the year, but he expects some of that to show up in the first quarter. → Oklo’s Meta Deal De-Risks the Story—Rebound Setup Emerging When asked whether 2026 growth could match 2025, Estes sugg...