Bank7

BSVN

Banks - Regional · Financial Services

Price

$50.96

+0.46 (+0.91%)

Market Cap

$485.1M

Exchange

NASDAQ

Winston Score

Winston is curious

A decent business — some strong pillars, some weaker.

Share count rising — dilution

+5.3% over 4y

The company has issued more shares over this period, which dilutes each existing shareholder’s stake.

Diluted shares outstanding: 9.1M (2021) → 9.6M (2025)

Bank7 Corp. is a regional bank headquartered in Oklahoma City, Oklahoma. It offers everyday banking services like checking accounts, savings accounts, and loans to individuals, small businesses, and companies in the energy industry. Bank7 operates branches across Oklahoma, Texas, and Kansas, with a notable focus on lending to oil and gas businesses.

The bank makes money primarily by collecting interest on loans and charging fees for banking services. It is a smaller community bank with roughly $2 billion in assets, but it stands out for its high profitability — its returns on capital are well above average for banks its size, largely due to disciplined lending and low overhead costs. The main risk Bank7 faces is its heavy exposure to the energy sector, meaning a prolonged drop in oil and gas prices could lead to more loan defaults and hurt its earnings.

Winston Score History

Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+11.0% YoY

YoY Growth Rate

Steady revenue growth

EPS Growth

+14.5% YoY

YoY Growth Rate

Steady EPS growth

R&D Spend

$0/ year

0.0% of revenue

Below sector average (7%)

Research and development spending

Insider Activity

55.3%ownership

→ Flat

Insiders holding steady — not selling despite ability to

Cash Position

Cash flow positive

$247M cash & investments

Quarterly Free Cash Flow

↑ Burn rate improving

Company generates more cash than it spends — no dilution risk from fundraising

Growth + cash flow

Bank7 is a rare growth stock that's already generating positive cash flow while growing at 11%. The Winston Score doesn't fully credit this transition from "burner" to "earner."

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

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Quality

Gross Margin

73.2%

Premium pricing power — 73.2% gross margin

Operating Margin

46.8%

Excellent — 46.8% operating margin

ROCE

6.4%

Weak — 6.4% return on capital

ROIC between 5% and 15%. They earn 5 to 15 cents back per year on every dollar invested.

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Growth

Sales YoY

+0.8%

Nearly flat sales (0.8% YoY)

EPS YoY

-1.5%

Earnings shrinking (-1.5% YoY)

Slight earnings drop. Typical near a cyclical low.

EPS Consistency

2/8 quarters

Earnings rarely grow — volatile business

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Cash Flow

Cash Conversion

116%

Turns 116% of profit into real cash

FCF Margin

31.7%

Converts sales into free cash efficiently (31.7%)

Free cash flow margin above 20%. Out of every $100 in sales, more than $20 is real cash they keep.

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Stability

Debt / Equity

N/A

Data not available

Interest Cover

1.46x

Dangerous — barely covers interest (1.5x)

Interest coverage between 1 and 3. Profits cover interest, but with little room to spare.

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Valuation

P/E Ratio (TTM)

10.8x

Attractive valuation — P/E 10.8

P/E in the normal range. Price is roughly $15 for every $1 of yearly profit.

P/E vs Forward

-0.5

SLOWING

Earnings expected to fall — forward P/E higher than today

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Dividends

Dividend Yield

2.16%

Moderate income — 2.16% yield

Standard yield zone for stable dividend payers. A meaningful piece of total return.

Dividend Growth

+12.5%

Dividend growing fast (12.5% YoY)

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