Revenue performance remains robust, evidenced by a 16.1% NII growth in 2026Q1 and a consistently disciplined efficiency ratio of 26.4%.
| Net Interest Income | 91.22M | 87.87M | 86.19M | 82.55M | 69.43M | 53.24M | 47.16M | 42.19M | 39.63M | 38.13M | 29.85M |
| NII Growth % | 29.43% | 1.95% | 4.42% | 18.9% | 30.41% | 12.88% | 11.77% | 6.46% | 3.93% | 27.74% | - |
| Net Interest Margin % | 4.69% | 4.48% | 4.95% | 4.66% | 4.38% | 3.94% | 4.64% | 4.87% | 5.14% | 5.42% | 4.86% |
| Interest Income | 132.1M | 128.76M | 131.54M | 121.54M | 78.75M | 56.29M | 53.31M | 51.71M | 46.8M | 42.87M | 33.15M |
| Interest Expense | 40.88M | 40.88M | 45.34M | 39M | 9.32M | 3.05M | 6.15M | 9.52M | 7.17M | 4.74M | 3.3M |
| Loan Loss Provision | 700K | 0 | 0 | 21.14M | 4.47M | 4.17M | 5.35M | 0 | 200K | 1.25M | 1.55M |
| Non-Interest Income | 8.72M | 8.5M | 11.25M | 9.24M | 2.94M | 2.25M | 1.67M | 1.31M | 1.33M | 1.44M | 1.64M |
| Non-Interest Income % | 6.19% | 6.19% | 7.88% | 7.07% | 3.6% | 3.84% | 3.03% | 2.47% | 2.77% | 3.24% | 4.72% |
| Total Revenue | 140.81M | 137.26M | 142.79M | 130.79M | 81.69M | 58.54M | 54.98M | 53.02M | 48.13M | 44.3M | 34.8M |
| Revenue Growth % | 4.34% | -3.87% | 9.18% | 60.1% | 39.54% | 6.48% | 3.7% | 10.15% | 8.64% | 27.33% | - |
| Non-Interest Expense | 39.45M | 39.61M | 37.09M | 33.42M | 28.64M | 20.4M | 17.59M | 28.43M | 14.96M | 14.53M | 13.12M |
| Efficiency Ratio | 28.02% | 28.86% | 25.98% | 25.55% | 35.06% | 34.84% | 32% | 53.63% | 31.09% | 32.8% | 37.71% |
| Operating Income | 59.79M | 56.77M | 60.35M | 37.22M | 39.26M | 30.91M | 25.88M | 15.04M | 25.8M | 23.79M | 16.82M |
| Operating Margin % | 42.46% | 41.36% | 42.27% | 28.46% | 48.06% | 52.81% | 47.08% | 28.38% | 53.6% | 53.69% | 48.33% |
| Operating Income Growth % | - | -5.95% | 62.14% | -5.18% | 26.99% | 19.43% | 72.04% | -41.68% | 8.44% | 41.46% | - |
| Pretax Income | 58.87M | 56.77M | 60.35M | 37.22M | 39.26M | 30.91M | 25.88M | 15.04M | 25.8M | 23.79M | 16.82M |
| Pretax Margin % | 41.81% | 41.36% | 42.27% | 28.46% | 48.06% | 52.81% | 47.08% | 28.38% | 53.6% | 53.69% | 48.33% |
| Income Tax | 14.13M | 13.7M | 14.66M | 8.95M | 9.62M | 7.75M | 6.62M | 6.84M | 797K | 0 | -59 |
| Effective Tax Rate % | 24.01% | 24.13% | 24.28% | 24.04% | 24.5% | 25.09% | 25.57% | 45.49% | 3.09% | 0% | -0% |
| Net Income | 44.74M | 43.07M | 45.7M | 28.27M | 29.64M | 23.16M | 19.27M | 8.2M | 25M | 23.79M | 16.82M |
| Net Margin % | 31.77% | 31.38% | 32% | 21.62% | 36.28% | 39.56% | 35.04% | 15.47% | 51.94% | 53.69% | 48.33% |
| Net Income Growth % | -0.02% | -5.75% | 61.62% | -4.6% | 27.98% | 20.21% | 134.92% | -67.2% | 5.09% | 41.46% | - |
| Net Income (Continuing) | 44.74M | 43.07M | 45.7M | 28.27M | 29.64M | 23.16M | 19.27M | 8.22M | 25M | 23.79M | 16.82M |
| EPS (Diluted) | 4.66 | 4.50 | 4.84 | 3.05 | 3.22 | 2.55 | 2.05 | 0.81 | 3.03 | 2.34 | 1.65 |
| EPS Growth % | -1.06% | -7.02% | 58.69% | -5.28% | 26.27% | 24.39% | 153.09% | -73.27% | 29.49% | 41.82% | - |
| EPS (Basic) | - | 4.56 | 4.92 | 3.09 | 3.26 | 2.56 | 2.05 | 0.81 | 3.08 | 2.34 | 1.65 |
| Diluted Shares Outstanding | 9.6M | 9.57M | 9.45M | 9.26M | 9.21M | 9.09M | 9.38M | 10.15M | 8.24M | 10.19M | 10.19M |
Hospitality and CRE concentration
According to quarterly financial data, Bank7 Corp. achieved a notable 16.1% NII growth in 2026Q1, marking a significant recovery from the 5.3% contraction observed in 2025Q1, suggesting that the bank's specialized commercial lending model is successfully navigating the current interest rate environment and funding cost pressures.
The recent acceleration in NII suggests that the bank's niche focus on hospitality and energy is effectively capturing yield premiums that offset broader market funding headwinds. Investors should monitor whether this growth is sustainable or if it reflects temporary loan repricing benefits that may dissipate as the rate cycle matures.
As reported in recent financial statements, Bank7 Corp. has maintained a consistent NIM of 1.2% throughout most of the last ten quarters, demonstrating a resilient spread management strategy despite the competitive deposit environment in the Dallas/Fort Worth and Oklahoma markets that often pressures regional bank margins.
The stability of the NIM appears to be a function of the bank's specialized underwriting, which allows for higher asset yields compared to generic regional peers. However, the lack of margin expansion in a rising rate environment warrants further investigation into whether deposit betas are beginning to compress the net interest spread.
Based on the provided income statement data, Bank7 Corp. has maintained an efficiency ratio consistently below 30%, with a 26.4% reading in 2026Q1, which highlights the bank's lean twelve-location branch network and its ability to scale revenue without a proportional increase in non-interest operating expenses.
This lean cost structure provides a significant competitive advantage, allowing the bank to preserve profitability even during periods of revenue stagnation. The ability to maintain such low overhead suggests that management is prioritizing operational discipline, though investors should watch for any potential underinvestment in technology or compliance infrastructure.
As evidenced by the $15.5M provision expense recorded in 2023Q4, Bank7 Corp. is susceptible to lumpy credit costs, though the absence of provisions in most subsequent quarters suggests that the bank's current hospitality and energy loan portfolios are performing within management's expected risk parameters.
The historical spike in provisions indicates that the bank's concentration in cyclical sectors can lead to sudden earnings volatility when credit conditions deteriorate. While the current lack of provisioning is encouraging, it may also imply a reliance on favorable economic conditions that could shift rapidly if hospitality demand softens.
Financial filings indicate that non-interest fee income remains a minor component of total revenue, fluctuating between 5.3% and 9.9% over the last two years, which underscores the bank's primary reliance on interest-based earnings from its specialized commercial loan book rather than diversified service-based revenue streams.
This low fee dependency simplifies the business model but also limits the bank's ability to generate non-interest revenue during periods of interest rate volatility. The reliance on interest income makes the bank's PPNR highly sensitive to loan volume and yield, necessitating a close watch on the health of the underlying commercial borrowers.
Quick answers to the most common questions about buying BSVN stock.
Bank7 Corp. (BSVN) is profitable, generating $43.1M in net income for the fiscal year ending 2025 with a net profit margin of 31.4%.
Bank7 Corp. (BSVN) reported an operating income of $56.8M, resulting in an operating profit margin of 41.4%. This margin reflects the operational efficiency of the business before interest and taxes.
Bank7 Corp. (BSVN) generated $96.4M in gross profit for the year, representing a gross profit margin of 70.2%. This demonstrates the company's core pricing power and production efficiency.