Group 1 - The article emphasizes the focus on cash flow and the potential for value and growth in the oil and natural gas sector [1] - Crude Value Insights provides a service that includes a 50+ stock model account and in-depth cash flow analyses of exploration and production (E&P) firms [1] - Subscribers benefit from live chat discussions about the sector, enhancing community engagement and information sharing [1] Group 2 - A two-week free trial is offered to new subscribers, encouraging them to explore the services related to oil and gas investments [2]

Financial Data and Key Metrics Changes - The company reported strong loan growth, solid organic deposit growth, and significant loan fee income, indicating a robust performance in 2025 [3][4] - The net interest margin (NIM) experienced slight compression but remains within historical ranges, with a current NIM of approximately 4.45% [14][16] Business Line Data and Key Metrics Changes - Loan growth was particularly strong in Oklahoma and Texas, with expectations of $35-$45 million in new fundings needed monthly to sustain growth [10] - The company achieved better results on the deposit side compared to the loan side, reflecting effective team performance [10] Market Data and Key Metrics Changes - The company noted that the local economies in Oklahoma and Texas are thriving, contributing to the strong loan growth [10] - Deposit competition has intensified, with depositors becoming more aware of interest rates, impacting the company's ability to lower deposit costs [23][24] Company Strategy and Development Direction - The company is focused on maintaining discipline in loan pricing and underwriting standards while pursuing market share in key regions [11][32] - There is a strategic emphasis on accumulating capital for potential M&A opportunities, while avoiding share buybacks to maintain financial flexibility [33] Management's Comments on Operating Environment and Future Outlook - Management expressed confidence in the company's ability to perform at a high level despite economic uncertainties and competitive pressures [4][26] - The company anticipates challenges in maintaining margins due to potential interest rate cuts and deposit competition, but remains optimistic about future growth [16][21] Other Important Information - The company highlighted that oil and gas revenues are expected to have a minimal impact on overall financial performance, with a gradual decline anticipated [39][40] - The current cost of funds has decreased to 2.40%, influenced by balance sheet growth and new deposits [21] Q&A Session Summary Question: Loan growth expectations and payoff activity - Management noted that while there was accelerated payoff activity, the fourth quarter saw lighter payoffs than earlier in the year, with expectations of continued strong growth [9][10] Question: Net interest margin trends - Management indicated that slight NIM compression was expected due to rate cuts, but they remain confident in maintaining a healthy margin [12][14] Question: Deposit cost direction and competition - Management acknowledged that recent rate cuts did not significantly impact deposit betas, indicating a challenging environment for deposit pricing [23][24] Question: Capital management and stock performance - Management emphasized a focus on producing strong results rather than share buybacks, with confidence that the market will recognize the company's performance over time [26][27] Question: M&A opportunities and market conditions - Management stated that while AOCI pressures have eased, high valuations for quality deposit franchises remain a challenge for M&A activity [31][32] Question: Non-interest-bearing deposits and seasonality - Management explained that the decline in non-interest-bearing accounts is a response to increased customer awareness of interest rates, with minimal seasonality expected [34][35]

Financial Data and Key Metrics Changes - The company reported strong loan growth, solid organic deposit growth, and significant loan fee income, indicating robust performance in 2025 [3][4] - The provision for loan losses was not increased significantly despite the growth, reflecting improved asset quality [4] Business Line Data and Key Metrics Changes - Loan growth was particularly strong in Oklahoma and Texas, with expectations of $25 million in monthly payoffs and a need for $35-$45 million in new fundings to sustain growth [10] - The company achieved better results on the deposit side compared to the loan side, showcasing effective market capture [10] Market Data and Key Metrics Changes - The company experienced a slight compression in net interest margin (NIM) due to rate cuts, but it remains within historical ranges [12][14] - The current cost of funds decreased to 2.40%, influenced by balance sheet growth and new deposits [21] Company Strategy and Development Direction - The company is focused on maintaining discipline in loan pricing and capturing market share in key regions [11][33] - There is a cautious approach towards M&A, with a focus on high-quality deposit franchises and maintaining capital for future opportunities [32][33] Management Comments on Operating Environment and Future Outlook - Management expressed confidence in the company's position for continued high performance and acknowledged the challenges posed by market conditions [4][26] - The company is prepared for potential fluctuations in net income due to oil and gas revenue, but views it as a minor factor in overall performance [39] Other Important Information - The company highlighted the importance of controlling expenses and maintaining a strong operational framework [37][40] - Management noted that the return on equity may decline due to accumulating capital, but this is viewed as a "high-class problem" [33] Q&A Session Summary Question: Loan growth expectations and payoff activity - Management noted that while payoffs were lighter in Q4, they expect continued strong loan growth, albeit with some pricing pressure [10][11] Question: Net interest margin trends - Management indicated that NIM may see slight declines but remains confident in maintaining a strong margin within historical ranges [14][16] Question: Deposit costs and competition - Management acknowledged challenges in deposit pricing competition, noting that recent rate cuts did not significantly impact deposit betas [23][24] Question: Capital management and stock performance - Management emphasized a focus on producing strong results rather than share buybacks, with confidence that the market will recognize the company's performance over time [26][27] Question: M&A opportunities and market conditions - Management discussed ongoing challenges in M&A due to high seller expectations but remains disciplined in pursuing quality opportunities [32][33] Question: Non-interest-bearing deposits and seasonality - Management explained the decline in non-interest-bearing accounts as a response to changing customer awareness regarding interest rates [34][35]

Financial Data and Key Metrics Changes - The company reported strong loan growth, solid organic deposit growth, and significant loan fee income, indicating robust performance in 2025 [3][4] - The provision for loan losses was not increased significantly despite the growth, reflecting improved asset quality [4] Business Line Data and Key Metrics Changes - The company experienced accelerated loan growth primarily in Oklahoma and Texas, with a focus on capturing market share in these regions [8][9] - Deposit growth outpaced loan growth, showcasing the effectiveness of the company's strategies [9] Market Data and Key Metrics Changes - The current cost of funds decreased to 2.40%, driven by balance sheet growth and new deposits [20] - The company noted that deposit competition has intensified, with depositors becoming more aware of interest rates [21][22] Company Strategy and Development Direction - The company aims to maintain discipline in pricing and underwriting while pursuing growth opportunities in dynamic markets [10][29] - There is a focus on accumulating capital for potential mergers and acquisitions, while remaining cautious about share buybacks [24][31] Management's Comments on Operating Environment and Future Outlook - Management expressed confidence in the company's ability to perform at a high level despite market fluctuations [4] - The company anticipates challenges in maintaining net interest margins due to potential rate cuts and competitive pressures [12][15] Other Important Information - The company highlighted that oil and gas revenues are expected to have a minimal impact on overall financial performance moving forward [36][37] - Management emphasized the importance of controlling expenses and maintaining operational efficiency [35] Q&A Session Summary Question: Loan growth expectations and payoff activity - Management noted that while loan growth was strong, payoff activity was lighter than expected, with a forecast of $25 million in monthly payoffs [6][9] Question: Net interest margin trends - Management indicated slight compression in net interest margin but remains optimistic about maintaining it within historical ranges [11][12] Question: Deposit costs and competition - Management discussed the current cost of funds and the competitive landscape for deposits, noting that recent rate cuts did not significantly affect deposit betas [20][21] Question: Capital management and stock performance - Management stated that while capital is accumulating, they are focused on producing strong results rather than engaging in share buybacks [24][31] Question: M&A opportunities and market conditions - Management acknowledged challenges in acquiring quality deposit franchises due to high valuations but remains disciplined in their approach [28][29]

Financial Performance Highlights - The company's total assets reached $1963640 thousand, a 38% increase compared to 2021's $1350549 thousand [76] - Net income for the year was $43069 thousand, a decrease of 58% compared to 2024's $45698 thousand [76] - Diluted earnings per share were $450, down 70% from $484 in the previous year [76] - Return on average assets was 237%, a decrease of 108% compared to 265% in the previous year [77] - The efficiency ratio was 4024%, compared to 3790% the previous year [77] Loan and Deposit Portfolio - Total loans amounted to $1606431 thousand, up 15% from $1397383 thousand in the previous year [76] - Total deposits reached $1700833 thousand, up 122% from $1515471 thousand in the previous year [76] - Non-interest-bearing deposits constitute 201% of total deposits, amounting to $3414 million [56] Capital and Shareholder Returns - Tangible book value per share increased to $2526, reflecting a CAGR of 168% since 2018 [23] - The company's dividend payout ratio is 217%, lower than the average 35% for dividend-paying banks [3] - Total shareholder return since the IPO is 1614%, outperforming the median of public banks by 1262% [37]

Financial Performance - Net income for Q4 2025 was $10.8 million, a slight decrease of 0.55% compared to Q3 2025[5] - For the full year 2025, net income was $43.1 million, a decrease of 5.75% from $45.7 million in 2024[5] - Earnings per share for Q4 2025 were $1.12, a decrease of 0.88% compared to $1.13 in Q3 2025[5] - Pre-provision pre-tax earnings for Q4 2025 were $14.2 million, down 4.95% from $14.9 million in Q3 2025[5] - Total interest income for 2025 was $128.8 million, down 2.11% from $131.5 million in 2024[5] Asset and Loan Growth - Total assets increased to $2.0 billion, reflecting a growth of 3.82% from the previous quarter[5] - Total loans reached $1.6 billion, marking a 4.71% increase compared to Q3 2025[5] - Total loans amounted to $1,483,112 thousand for the year ended December 31, 2025[11] - Total assets as of December 31, 2025, reached $1,820,194 thousand, up from $1,722,613 thousand in 2024[11] Deposits and Funding Sources - Total deposits increased to $1.7 billion, up 12.19% from $1.5 billion in 2024[7] - Noninterest-bearing deposits decreased to $317,743 thousand in 2025 from $381,660 thousand in 2024, indicating a shift in funding sources[11] Interest Income and Margins - The Company maintained a strong net interest margin, with net interest income of $22.3 million for Q4 2025[9] - For the three months ended December 31, 2025, net interest income was $22,265 thousand, resulting in a net interest margin of 4.76%[10] - The average yield on total loans for the year 2025 was 7.92%, compared to 8.56% in 2024, indicating a decrease in loan yield[11] - The net interest spread for the year 2025 was 3.99%, compared to 3.81% in 2024, reflecting improved efficiency in interest income generation[11] Strategic Plans and Operations - The company plans to grow organically by selectively opening additional branches in target markets and pursuing strategic acquisitions[12] - The company operates twelve locations across Oklahoma, Dallas/Fort Worth, Texas, and Kansas, focusing on business owners and entrepreneurs[12] Future Outlook - Forward-looking statements indicate potential uncertainties related to interest rates and economic conditions that may impact future performance[14] - The conference call to discuss fourth quarter results is scheduled for January 15, 2026, at 9:00 a.m. CST[13]

Group 1 - Bank7 Corp. is set to release its fourth-quarter earnings on January 15, with expected earnings of $1.05 per share, down from $1.16 per share in the same period last year [1] - The consensus estimate for Bank7's quarterly revenue is $24.1 million, slightly lower than the $24.14 million reported in the previous year [1] - The company reported better-than-expected third-quarter results on October 15 [1] Group 2 - Bank7's shares fell by 0.9% to close at $42.40 on Tuesday [2] - Analysts have provided various ratings for Bank7, with Keefe, Bruyette & Woods maintaining an Outperform rating and lowering the price target from $54 to $53 [3] - Piper Sandler maintained an Overweight rating and raised the price target from $50.5 to $55 [3]

Financial Results Announcement - Bank7 Corp. will release its financial results for Q4 and the full year ending December 31, 2025, before the market opens on January 15, 2026 [1] - A conference call to discuss the financial results will take place at 9:00 a.m. Central Standard Time on the same day [1] Participation Details - Investors can participate in the conference call by dialing 1-888-348-6421 or accessing it live online [1] - An archive of the webcast will be available shortly after the call for one year [2] Company Overview - Bank7 Corp. is a bank holding company based in Oklahoma City, operating through its wholly-owned subsidiary, Bank7, with twelve locations across Oklahoma, the Dallas/Fort Worth area, and Kansas [3] - The company focuses on serving business owners and entrepreneurs by providing fast, consistent, and well-designed loan and deposit products [3] - Bank7 intends to grow organically by selectively opening additional branches in target markets and pursuing strategic acquisitions [3]

Financial Performance - Pre-tax net income for Q3 2025 was $14.2 million, a decrease of $1.3 million or 8.5% from $15.5 million in Q3 2024[144] - Return on average assets was 2.33% and return on average equity was 18.11% for Q3 2025, down from 2.73% and 23.67% respectively in Q3 2024[145] - Net interest income for Q3 2025 was $23.0 million, compared to $21.2 million in Q3 2024[149] - Net interest income increased by $1.5 million, or 10.1%, for the three months ended September 30, 2025, compared to the same period in 2024[166] - Noninterest income for the three months ended September 30, 2025, was $2.2 million, a decrease of $1.5 million, or 39.9%, compared to $3.7 million for the same period in 2024[163] - The efficiency ratio for Q3 2025 was 41.12%, compared to 37.87% in Q3 2024, indicating increased operational costs[145] Loan and Deposit Growth - Total loans increased to $1.53 billion as of September 30, 2025, up by $96.7 million or 6.7% from the previous year[143] - Total deposits reached $1.64 billion as of September 30, 2025, an increase of $112.6 million or 7.4% compared to the same date in 2024[143] - As of September 30, 2025, the company's gross loans amounted to $1.54 billion, an increase from $1.40 billion as of December 31, 2024, representing a growth of approximately 10.3%[171] - The net loans as of September 30, 2025, were $1.51 billion, compared to $1.38 billion at the end of 2024, indicating a year-over-year increase of about 9.7%[171] - Total deposits increased to $1.64 billion as of September 30, 2025, up from $1.52 billion as of December 31, 2024, reflecting an increase of 14.5%[193] Credit Losses and Asset Quality - The provision for credit losses increased by $0.7 million or 100.0% for Q3 2025 compared to the same period in 2024, attributed to loan growth[146] - The provision for credit losses increased from $0 to $0.7 million for the three months ended September 30, 2025, with the allowance as a percentage of total loans increasing by 2 basis points to 1.26%[162] - The allowance for credit losses was $19.4 million as of September 30, 2025, up from $17.9 million at December 31, 2024, reflecting a 8.3% increase[177] - Total nonperforming assets as of September 30, 2025, were $5,317,000, a decrease from $7,170,000 as of December 31, 2024, representing a reduction of 25.8%[184] - The ratio of nonperforming loans to total loans improved to 0.35% as of September 30, 2025, compared to 0.51% as of December 31, 2024[184] Operational Strategy - The company plans to grow organically by selectively opening additional branches and pursuing strategic acquisitions[141] - The company maintains internal concentration limits for various loan types, ensuring all loan types are within established limits[172] - The Company has various borrowing mechanisms in place to meet both short-term and long-term liquidity needs[207] Capital and Liquidity - Total shareholders' equity increased by $28.5 million to $241.7 million as of September 30, 2025, compared to $213.2 million as of December 31, 2024[205] - The Company exceeded all regulatory capital requirements and was categorized as "well-capitalized" as of September 30, 2025[202] - The Company maintained a CET1 capital ratio of 14.22% as of September 30, 2025, exceeding the minimum requirement of 7.00%[205] - The total capital to risk-weighted assets ratio was 15.43% for the Company as of September 30, 2025, above the required 10.50%[205] - As of September 30, 2025, the Bank had borrowing availability with the FHLB of $217.6 million and access to approximately $298.4 million in liquidity with the Federal Reserve Bank[201] Interest Rate and Market Risk - Interest rate risk is a primary component of market risk, with potential economic losses reflected as a loss of future net interest income and/or current fair market values[230] - The ALCO Committee manages interest rate exposure, considering factors such as earnings impact, regional economies, and liquidity[232] - Simulation models indicate that a +400 basis point change in interest rates could increase net interest income by 23.29% as of September 30, 2025[236] - The Company’s internal policy specifies that estimated net interest income at risk for a -100 basis point shift should not decline by more than 10%[234] Tax and Regulatory Compliance - The Company's effective tax rate for Q3 2025 was 23.6%, slightly lower than 24.2% in Q3 2024, primarily due to state income taxes and nondeductible expenses[224] - The Company believes it is more likely than not that all of its tax positions will be utilized in future years[223] Miscellaneous - The Company reviews its portfolio of debt securities in an unrealized loss position at least quarterly, assessing whether it intends to sell or is likely to be required to sell the securities[226] - The impact of inflation on the Company is less significant compared to interest rates, as most assets and liabilities are monetary in nature[238] - The Company’s financial statements are prepared in accordance with GAAP, measuring financial position in historical dollars without considering inflation[237]

Core Viewpoint - Popular Bank is exiting the U.S. residential mortgage origination business due to competitive pressures and a desire to focus on more profitable areas [2][3] Company Summary - Popular Bank, based in Puerto Rico, is the second institution to exit home lending in a little over a month, following Oceanfirst Bank's similar decision [1][7] - The bank reported a net income of $211 million in the most recent quarter, with a $129 million increase in mortgage activity in its Puerto Rico business [3] - The exit from the mortgage segment will impact an unspecified number of employees and is accompanied by the closure of four branches in the New York metropolitan area [2][3] Industry Summary - The mortgage industry is undergoing significant changes due to current market conditions, leading to a wave of mergers and exits as companies reassess their strategies [4] - Rising interest rates and housing affordability challenges have resulted in many nonbank lenders struggling with profitability, prompting them to merge or exit the mortgage business [5][6] - Other institutions, such as Ally Financial and WaFd Bank, have also announced exits from the mortgage segment, indicating a broader trend in the industry [6]