Bank7 (BSVN) appears an attractive pick, as it has been recently upgraded to a Zacks Rank #2 (Buy). This rating change essentially reflects an upward trend in earnings estimates -- one of the most powerful forces impacting stock prices.The sole determinant of the Zacks rating is a company's changing earnings picture. The Zacks Consensus Estimate -- the consensus of EPS estimates from the sell-side analysts covering the stock -- for the current and following years is tracked by the system.Since a changing ea ...

Group 1 - Bank7 (NASDAQ: BSVN) shares increased by 4.5% on July 18th following the announcement of its financial results for the second quarter of the 2025 fiscal year [1] - The company is part of a sector focused on cash flow generation, particularly in oil and natural gas, which is highlighted by Crude Value Insights [1] Group 2 - Crude Value Insights provides an investing service and community that emphasizes cash flow and growth prospects in the oil and gas industry [1] - Subscribers to Crude Value Insights gain access to a stock model account, detailed cash flow analyses of exploration and production firms, and live discussions about the sector [2]

Core Insights - Bank7 Corp. reported strong second-quarter 2025 results, highlighting significant loan and deposit growth, a net interest margin (NIM) at the high end of its historical range, and a low efficiency ratio, indicating one of its best quarters ever [1][2] Operational Efficiency and Loan Growth - The core efficiency ratio remained between 36% and 38%, with robust quarterly loan growth, particularly in commercial and energy sectors, driven by the bank's focus on Oklahoma and Texas [2][3] - Management's ability to maintain a low efficiency ratio alongside strong loan growth reflects effective cost control and profitability, positioning the bank favorably against regional peers [3] Loan Book Diversification - Energy production loans increased by $3.035 million, but energy portfolio exposure is now about half of what it was seven to eight years ago, with growth in commercial and hospitality segments, particularly in the Dallas-Fort Worth area [4][5] - The strategic shift in the loan portfolio enhances credit resilience and positions the balance sheet for growth in more diversified sectors [5] Margin Management and Rate Environment - Loan yields averaged 7.6% in Q2 2025, with management expecting some NIM pressure in Q3 2025 but projecting it to remain within historical ranges due to asset sensitivity and interest rate management strategies [6][7] - The bank's rate positioning provides downside protection for profitability, allowing it to better withstand margin compression compared to less asset-sensitive peers [7] Future Outlook - Guidance for Q3 2025 includes projected total expenses of $10 million, with $1 million related to oil and gas, and an expectation of $2 million in fee income [8] - Management anticipates a full recovery of oil and gas cash outlays by mid-2026, with a strong origination pipeline and cautious optimism for continued performance [9]

Financial Data and Key Metrics Changes - The company reported one of its best quarters ever, driven by strong loan and deposit growth, maintaining a net interest margin (NIM) on the higher end of its historical range, and benefiting from a low efficiency ratio [6][7] - Core earnings showed significant strength due to solid loan growth and asset quality remained high [6][7] Business Line Data and Key Metrics Changes - Loan growth was particularly strong in the energy sector, with production loans increasing by approximately $30 million to $35 million [41] - The company has shifted its energy portfolio focus from service deals to hedged oil and gas production, indicating a strategic pivot towards more stable revenue sources [41][45] Market Data and Key Metrics Changes - The competitive pricing environment in Texas and Oklahoma is described as historically normal, with new loans expected to come in slightly lower than the 7.6% core yield reported in Q2 [22] - The company is experiencing a mix of loan types, with notable activity in commercial and industrial (C&I) lending and owner-occupied real estate [42] Company Strategy and Development Direction - The company is focused on evaluating merger and acquisition opportunities, particularly in dynamic markets, while maintaining a disciplined approach [14][15] - There is an emphasis on maintaining a strong credit quality and underwriting fundamentals, with no new business lines being added [58] Management's Comments on Operating Environment and Future Outlook - Management expressed cautious optimism about the second half of the year, citing strong economic conditions in their operating regions [65] - The company is prepared for potential rate cuts, with expectations that loan and deposit betas will remain aligned [48][50] Other Important Information - The company anticipates a slight increase in expenses in the second half of the year, with Q2 serving as a solid guide for future expense run rates [25][39] - The recovery of cash from oil and gas assets is projected to be complete by mid-next year, indicating a positive outlook for this segment [34][35] Q&A Session Summary Question: Loan growth momentum for the second half of the year - Management indicated that the loan pipeline looks solid, with strong origination in Q1 and Q2, but acknowledged potential unpredictability due to chunky paydowns [10][11] Question: NIM outlook with expected growth - Management noted that while deposit costs may rise to support growth, they expect to remain within historical ranges for NIM [12][13] Question: Update on M&A activity - Management confirmed ongoing discussions and evaluations for potential partnerships, emphasizing a disciplined approach to M&A [14][15] Question: Competitive pricing dynamics and loan yields - Management observed that the current pricing environment is normal, with some pressure on loan yields but overall stability in the market [22] Question: Expense run rate expectations - Management projected a slight increase in expenses, with Q2 figures serving as a baseline for future expectations [25][39] Question: Credit quality and charge-offs outlook - Management reported a cleaner NPA number and stable credit quality, with no significant changes expected in the near term [57][58]

Financial Data and Key Metrics Changes - The company reported one of its best quarters ever, driven by strong loan and deposit growth, maintaining a net interest margin (NIM) on the higher end of its historical range, and benefiting from a low efficiency ratio [6][7] - Core earnings showed significant strength due to solid loan growth and asset quality remained high [6][7] Business Line Data and Key Metrics Changes - Loan growth was particularly strong in the energy sector, with production loans increasing by approximately $30 million to $35 million [38] - The company experienced growth in owner-occupied real estate, with an increase of about $19 million, and some growth in the hospitality portfolio [40][41] Market Data and Key Metrics Changes - The competitive pricing environment in Texas and Oklahoma is described as historically normal, with loan pricing slightly lower than the 7.6% core yield reported in Q2 [22] - The company noted a solid deal pipeline in Oklahoma and Texas, indicating a favorable economic environment for business [11] Company Strategy and Development Direction - The company is focused on evaluating merger and acquisition opportunities, maintaining a disciplined approach, and seeking partnerships in dynamic markets [15][16] - There is an emphasis on maintaining credit quality and underwriting fundamentals while exploring growth in various segments [56] Management's Comments on Operating Environment and Future Outlook - Management expressed cautious optimism about the second half of the year, citing strong markets and a talented team of bankers [63] - The economic environment is viewed positively, with management noting a continuous path toward cleaner non-performing asset (NPA) numbers [55][56] Other Important Information - The company is projecting a slight increase in expenses for the second half of the year, with Q2 serving as a solid guide for future expense run rates [26][28] - The recovery of cash outlay from oil and gas assets is expected to be complete by mid-next year [31] Q&A Session Summary Question: Loan growth momentum for the second half of the year - Management indicated a solid deal pipeline and expressed confidence in loan growth despite potential paydown unpredictability [11][12] Question: NIM outlook and deposit costs - Management acknowledged that deposit costs may rise to fund growth but expects to remain within historical ranges for NIM [13][14] Question: M&A activity updates - Management confirmed ongoing discussions and evaluations for potential mergers, emphasizing a disciplined approach [15][16] Question: Competitive pricing dynamics and loan portfolio yields - Management noted that new loans are expected to come in slightly lower than the previous quarter's yield but described the pricing environment as normal [22] Question: Appetite for adding talent and producers - Management is exploring opportunities for talent acquisition but emphasized the importance of cultural fit and careful evaluation [25] Question: Expense run rate expectations - Management projected a slight increase in expenses but maintained that it would not significantly impact the efficiency ratio [26][28] Question: Credit quality and charge-offs outlook - Management reported a cleaner NPA number and maintained a positive outlook on credit quality, despite some economic uncertainties [55][56]

Bank7 (BSVN) came out with quarterly earnings of $1.16 per share, beating the Zacks Consensus Estimate of $0.98 per share. This compares to earnings of $1.23 per share a year ago. These figures are adjusted for non-recurring items.This quarterly report represents an earnings surprise of +18.37%. A quarter ago, it was expected that this company would post earnings of $0.97 per share when it actually produced earnings of $1.08, delivering a surprise of +11.34%.Over the last four quarters, the company has surp ...

Financial Performance - Total assets increased to $1835965 thousand, a 28% increase from the previous quarter[2] - Total loans reached $1497356 thousand, reflecting a 52% growth[2] - Total deposits amounted to $1594138 thousand, up by 28%[2] - Net income rose to $11105 thousand, a 74% increase[2] - Diluted earnings per share increased to $116, a 74% increase[2] Balance Sheet & Capital Management - Cash + unpledged securities + undrawn credit totaled $75714 million, providing 262x coverage of adjusted uninsured deposits of $28909 million[5] - Loans repricing in ≤1 year: $126 billion (8431%), with $108 billion (7192%) repricing daily[5] - The bank's CET1 ratio is 1389%, Tier 1 Leverage is 1249%, and TCE/TA is 1205%, all significantly above regulatory thresholds[5] Loan Portfolio - Variable-rate loans constitute 75% ($11263 million) of the loan portfolio, while fixed-rate loans account for 25% ($3737 million)[45] - Nonperforming loans to total loans ratio is 037%[5] - The loan portfolio has grown at a CAGR of 138% since 2020[57]

[Financial Highlights](index=1&type=section&id=Financial%20Highlights) Bank7 Corp. achieved strong Q2 2025 results with sequential growth in net income and diluted EPS, driven by robust loan growth and increased core deposits - The CEO highlighted strong organic loan growth, significant increases in core deposits and transaction accounts, and robust liquidity as key drivers of the quarter's exceptional performance. The company maintains a focus on pre-tax, pre-provision earnings (PPE) to ensure sustainable growth[1](index=1&type=chunk) Q2 2025 vs Q1 2025 Key Metrics | Metric | Q2 2025 | Q1 2025 | Change | | :--- | :--- | :--- | :--- | | Net Income | $11.1 million | $10.3 million | +7.44% | | Earnings per share | $1.16 | $1.08 | +7.41% | | Total Assets | $1.8 billion | $1.8 billion | +2.83% | | Total Loans | $1.5 billion | $1.4 billion | +5.17% | | PPE | $14.7 million | $13.7 million | +7.25% | | Total Interest Income | $31.8 million | $30.4 million | +4.41% | [Financial Statements](index=2&type=section&id=Financial%20Statements) [Consolidated Balance Sheets](index=2&type=section&id=Consolidated%20Balance%20Sheets) As of June 30, 2025, total assets grew to $1.84 billion, primarily driven by a rise in net loans to $1.48 billion, funded by increased deposits and shareholders' equity Balance Sheet Comparison (in thousands) | Account | June 30, 2025 | December 31, 2024 | | :--- | :--- | :--- | | Total Assets | $1,836,346 | $1,739,808 | | Loans, net | $1,479,134 | $1,379,465 | | Total Deposits | $1,594,138 | $1,515,471 | | Total Liabilities | $1,604,487 | $1,526,595 | | Total Shareholders' Equity | $231,859 | $213,213 | [Consolidated Statements of Income](index=3&type=section&id=Consolidated%20Statements%20of%20Income) Q2 2025 net income slightly decreased year-over-year to $11.1 million, impacted by lower interest income and higher noninterest expenses, despite a significant rise in mortgage lending income Income Statement Summary - Three Months Ended June 30 (in thousands, except per share data) | Metric | 2025 | 2024 | | :--- | :--- | :--- | | Net Interest Income | $21,738 | $21,232 | | Total Noninterest Income | $2,701 | $3,165 | | Total Noninterest Expense | $9,732 | $9,142 | | Income Before Taxes | $14,707 | $15,255 | | Net Income | $11,105 | $11,524 | | Earnings per common share - diluted | $1.16 | $1.23 | Income Statement Summary - Six Months Ended June 30 (in thousands, except per share data) | Metric | 2025 | 2024 | | :--- | :--- | :--- | | Net Interest Income | $42,580 | $43,242 | | Total Noninterest Expense | $18,616 | $18,278 | | Net Income | $21,441 | $22,812 | | Earnings per common share - diluted | $2.25 | $2.44 | - Mortgage lending income increased significantly to **$520 thousand in Q2 2025** from **$78 thousand in Q2 2024**[7](index=7&type=chunk) [Net Interest Margin Analysis](index=4&type=section&id=Net%20Interest%20Margin%20Analysis) The net interest margin compressed to 4.96% in Q2 2025 due to a larger decrease in asset yields compared to the reduction in liability costs, while the net interest spread widened Net Interest Margin - Three Months Ended June 30 | Metric | 2025 | 2024 | | :--- | :--- | :--- | | Net Interest Spread | 4.01% | 3.78% | | Net Interest Margin | 4.96% | 5.15% | | Yield on Interest-Earning Assets | 7.25% | 7.87% | | Cost of Interest-Bearing Liabilities | 3.24% | 4.09% | Net Interest Margin - Six Months Ended June 30 | Metric | 2025 | 2024 | | :--- | :--- | :--- | | Net Interest Spread | 4.01% | 3.74% | | Net Interest Margin | 4.97% | 5.15% | [Capital Adequacy](index=1&type=section&id=Capital%20Adequacy) As of June 30, 2025, both Bank7 Corp. and its subsidiary, Bank7, continue to exceed the regulatory requirements to be classified as 'well-capitalized' - The capital levels for both the Bank and the Company are significantly above the minimums required to be designated as 'well-capitalized' for regulatory purposes[2](index=2&type=chunk) Capital Ratios as of June 30, 2025 | Ratio | Bank | Company (Consolidated) | | :--- | :--- | :--- | | Tier 1 Leverage Ratio | 12.49% | 12.49% | | Tier 1 Risk-Based Capital Ratio | 13.90% | 13.89% | | Total Risk-Based Capital Ratio | 15.03% | 15.03% | [Non-GAAP Financial Measures](index=1&type=section&id=Non-GAAP%20Financial%20Measures) Management utilizes pre-provision pre-tax earnings (PPE) as a key non-GAAP metric, which increased to $14.7 million in Q2 2025 - Management uses pre-provision pre-tax earnings (PPE) to analyze performance, which adjusts GAAP net income to exclude income tax expense, provision for credit losses, and gains/losses on sales of available-for-sale debt securities[3](index=3&type=chunk) PPE Reconciliation (in thousands) | Line Item | Q2 2025 | Q1 2025 | | :--- | :--- | :--- | | Net Income | $11,105 | $10,336 | | Income Tax Expense | $3,602 | $3,377 | | Pre-tax net income | $14,707 | $13,713 | | Pre-provision pre-tax earnings | $14,707 | $13,713 | [Company Overview and Outlook](index=6&type=section&id=Company%20Overview%20and%20Outlook) Bank7 Corp., an Oklahoma City-based bank holding company, serves business owners across three states with a growth strategy focused on organic expansion and strategic acquisitions - The company is focused on serving business owners and entrepreneurs in Oklahoma, the Dallas/Fort Worth, Texas metropolitan area, and Kansas[10](index=10&type=chunk) - The company's growth strategy includes organic growth by opening new branches and pursuing strategic acquisitions[10](index=10&type=chunk) - The release contains forward-looking statements that are subject to significant uncertainties and risks, and actual results could differ materially. These statements are not guarantees of future performance[12](index=12&type=chunk)[13](index=13&type=chunk) [Conference Call Information](index=6&type=section&id=Conference%20Call%20Information) Bank7 Corp. will host a conference call on Thursday, July 17, 2025, at 9:00 a.m. CST to discuss its second-quarter 2025 results - A conference call is scheduled for Thursday, July 17, 2025, at 9:00 a.m. CST. Participants can dial 1-888-348-6421 or access the live webcast at https://app.webinar.net/46bjlDkrk8v[11](index=11&type=chunk)

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2025 Oklahoma 20-0764349 ( State or other jurisdiction of incorporation or organization) (I.R.S. Employer Identification Number) 1039 N.W. 63rd Street, Oklahoma City, Oklahoma 73116-7361 (Address of princi ...

Group 1 - Bank7 (BSVN) reported quarterly earnings of $1.08 per share, exceeding the Zacks Consensus Estimate of $0.97 per share, but down from $1.21 per share a year ago, representing an earnings surprise of 11.34% [1] - The company posted revenues of $22.6 million for the quarter ended March 2025, missing the Zacks Consensus Estimate by 3.03%, compared to year-ago revenues of $24.02 million [2] - Bank7 has surpassed consensus EPS estimates four times over the last four quarters and topped consensus revenue estimates two times during the same period [2] Group 2 - The stock has underperformed, losing about 20.4% since the beginning of the year, while the S&P 500 declined by 7.2% [3] - The company's earnings outlook, including current consensus earnings expectations for upcoming quarters, will be crucial for investors [4] - The current consensus EPS estimate for the coming quarter is $1.01 on $23.8 million in revenues, and $4.06 on $95.4 million in revenues for the current fiscal year [7] Group 3 - The Zacks Industry Rank for Banks - Southeast is in the top 33% of over 250 Zacks industries, indicating a favorable outlook for the industry [8] - Empirical research shows a strong correlation between near-term stock movements and trends in earnings estimate revisions, which can be tracked by investors [5] - The estimate revisions trend for Bank7 is currently mixed, resulting in a Zacks Rank 3 (Hold) for the stock, suggesting it will perform in line with the market in the near future [6]