Bank7 Corp. (BSVN) stock analysis

P/E above its 5-year median

Bank7's P/E of 13.6 is above its own 5-year median of 9.2.

P/E above the industry

Bank7's P/E of 13.6 is above the Commercial Banks median of 12.0.

P/S above the industry

Bank7's price-to-sales of 5.79 is above the Commercial Banks median of 3.61.

P/B above the industry

Bank7's price-to-book of 2.04 is above the Commercial Banks median of 1.28.

Trading above fair value

The share price of $58.65 is above our fair value estimate of $44.13.

Margin of safety under 20%

The price is 32.9% above fair value, so there is no margin of safety.

Revenue growing 10%+ a year

Revenue grew 10.0% a year over the last three fiscal years.

EPS growing 10%+ a year

Diluted EPS grew 11.8% a year over the last three fiscal years.

Earnings growth not accelerating

Net income grew -4.7% over the last twelve months, against a 5-year average of 17.5% a year.

Growing slower than the industry

Revenue grew 0.1% over the last twelve months; the Commercial Banks median is 11.3%.

Company guidance

No outlook found in earnings releases from the last twelve months.

Gross margin trend

Banks and insurers do not report gross profit.

Return on equity over 15%

Return on equity was 16.0% over the last twelve months and averaged 20.4% over five years.

Return on assets over 1%

Return on assets was 2.1%; for a bank or insurer, 1% or more is considered good.

Return on equity above the industry

Bank7's return on equity of 16.0% is above the Commercial Banks median of 11.5%.

Earnings grew over 5 years

Net income grew 17.5% a year on average over the last five fiscal years.

Net margin above its 5-year average

Net margin was 42.8% over the last twelve months, against a 5-year average of 41.0%.

Net margin above the industry

Bank7's net margin of 42.8% is above the Commercial Banks median of 30.3%.

Well capitalized

Equity is 13.6% of total assets; 8% or more is a comfortable cushion.

Loans funded by deposits

Needs loans and deposits.

Adequate loan-loss reserve

The allowance for credit losses is not reported.

Efficient operations

Non-interest expense takes 43.4% of revenue; under 60% is efficient for a bank.

Deposits growing

Deposits grew 5.1% over the past year.

Borrowings

Needs debt and equity figures.

Pays a dividend

Bank7 paid dividends worth 1.9% of the share price over the last twelve months.

Yield below Treasuries

The 1.9% yield is below the 4.6% on a 1-year Treasury.

Yield below the top quarter

The top quarter of US dividend payers yield 3.9% or more; Bank7 yields 1.9%.

Dividend was cut

The dividend per share fell by more than 10% at least once in the last 10 fiscal years.

Covered by earnings

Dividends take 24.8% of net income.

Covered by free cash flow

Dividends take 24.4% of free cash flow.