Did Bank7 beat or miss consensus estimates last quarter?

What is Bank7's gross profit margin?

What is Bank7's latest dividend and current dividend yield?

What is the revenue and EPS growth rate for Bank7 year over year?

What were the key takeaways from Bank7's earnings call?

What guidance did Bank7's management provide for the next earnings period?

What is the market's earnings forecast for Bank7 next quarter?

What factors drove the changes in Bank7's revenue and profit?

- **Loan Growth Momentum**: 15% YoY driven by Oklahoma/Texas, with $35-45M/month new funding needed.
- **NIM Resilience**: 4.5% margin buffered by 4.35% historical low, despite rate cuts.
- **Deposit Strategy**: Cost of funds at 2.40%, balancing competitive repricing with customer awareness.
- **Capital Focus**: No buybacks; disciplined M&A approach amid high valuations.
- **Oil & Gas Fade**: Minimal ($1M/Q) impact, with gradual revenue decline.

**【CEO Opening Remarks】**
- Highlighted **15% YoY loan growth** and **solid deposit growth**, driven by strong market demand in Oklahoma and Texas.
- Emphasized **asset quality preservation** with disciplined underwriting, despite rapid growth.
- Acknowledged team's role in maintaining **2.40% cost of funds** and **expense control**.

**【CFO Financial Commentary】**
- **Net Interest Margin (NIM)** at 4.5%, with potential for slight compression due to rate cuts, but historical lows (4.35%) provide a buffer.
- **Deposit cost management** through strategic repricing and new deposit wins post-Q4.

**【Q&A Highlights】**
- **Loan Growth Sustainability**: Management expects **$35-45M/month new funding** to offset $25M/month payoffs, with focus on pricing discipline.
- **Deposit Competition**: Non-maturity deposit beta to rate cuts is muted, with customers prioritizing yield awareness.
- **M&A Strategy**: High valuations and AOCI overhang limit opportunities, but capital discipline supports future flexibility.
- **Oil & Gas Impact**: Minimal ($1M/Q) contribution to net income, with gradual decline expected.

**【Expense & Capital Management】**
- **Core Expenses** stable at $9.1M/Q, with **$1M from oil & gas**.
- **Capital Discipline**: No buyback plans; focus on organic growth and disciplined M&A.


Bank7 Corp. (BSVN) Q4 2025 Earnings Call Transcript

- **Strong Organic Growth**: Loans and deposits driven by banker performance, with high single-digit growth expected.
- **NIM Outlook**: Q3 NIM of 4.55% to trend lower in Q4, reflecting rate cuts and cost pressures.
- **Credit Prudence**: Increased reserves amid macro volatility, with benign credit migrations.
- **M&A Caution**: Strategic focus persists, but challenges include AOCI and market dynamics.

**【CEO Opening Remarks】**
- Highlighted a strong third quarter with organic growth in loans and deposits, driven by the banking team's performance.
- Emphasized robust capital ratios, liquidity, and earnings, positioning the bank for future growth.
- Noted satisfaction with credit portfolio health and strategic focus on M&A opportunities.

**【Q&A Highlights】**
- **Loan Growth Pipeline**: Expecting high single-digit year-over-year growth despite potential lumpy paydowns; pipeline remains active.
- **Loan Pricing Dynamics**: New loan rates around 7.0-7.25%, with more competitive pressure on deposits than loans.
- **M&A Activity**: Actively pursuing strategic combinations, though challenges remain with AOCI overhang and market volatility.
- **Net Interest Margin (NIM)**: Ended Q3 at 4.55%; anticipate slight compression to 4.50-4.47% in Q4 due to rate cuts and liability costs.
- **Loan Fee Income**: Driven by strong sales efforts, contributing ~40bps to margin; expects normalization in coming quarters.
- **Credit Reserves**: Increased reserves due to macroeconomic volatility and portfolio growth, with cautious monitoring of migrations.
- **Fees & Expenses**: Core fee income stable at ~$1 million; noninterest expenses projected at $9-9.5 million, with oil/gas revenue unpredictable.
- **Mortgage Business**: Slow but improving pipeline; cautious outlook for 2026, with high contract fallout rates.
- **M&A Challenges**: Sellers' valuation expectations and purchase accounting complexities hinder transactions, though Bank7 remains disciplined.


Bank7 Corp. (BSVN) Q3 2025 Earnings Call Transcript

- **Record Quarter Growth**: Loan growth outpaced industry peers, driven by Texas/Oklahoma market strength and disciplined underwriting.
- **Stable Margin Resilience**: Maintained NIM at 7.6% despite modest deposit cost pressure, with balanced rate sensitivity (1:1 beta).
- **Oil & Gas Recovery**: 75% cash recovery on energy portfolio, on track for full recovery by mid-2026. Exposure reduced to 50% of 7-year peak.
- **M&A Focus**: Actively evaluating North Texas opportunities, prioritizing cultural fit over pace. Recent LOI activity reflects disciplined approach.
- **Credit Quality Strength**: Reduced non-performing assets, stable charge-off expectations, and 36-38% efficiency ratio.

**【Management Opening Remarks】**
- CEO Tom Travis highlighted a record quarter with strong loan and deposit growth, driven by the Texas and Oklahoma markets.
- Emphasized the company's high-quality credit portfolio and stable net interest margin (NIM) within historical ranges.
- Noted the impact of recent flood relief efforts in Kerrville, Texas, and encouraged investor support for local recovery efforts.

**【CEO Commentary】**
- **Loan Growth Momentum**: Q2 loan growth outpaced industry peers, with a strong pipeline for Q3. Management attributes success to disciplined underwriting and market focus in Texas/Oklahoma.
- **NIM Outlook**: Maintained NIM at the high end of historical range (7.6% core yield), despite modest deposit cost pressure. Anticipate slight degradation but remain confident in stability.
- **M&A Strategy**: Actively evaluating acquisition opportunities, particularly in North Texas, but prioritizing cultural fit over deal pace. Recent LOI activity reflects disciplined approach.
- **Credit Quality**: Improved asset quality metrics with reduced non-performing assets. Economic strength in core markets supports stable credit trends.

**【CFO Financial Commentary】**
- **Expense Management**: Q2 expenses of $8.8M reflect controlled growth, with internal guidance for modest increase in Q3. Efficiency ratio remains strong at 36-38%.
- **Oil & Gas Recovery**: 75% cash recovery on energy portfolio (vs. 68% last quarter), with full recovery expected by mid-2026. Reduced exposure to 50% of 7-year peak levels.
- **Rate Sensitivity**: Balanced loan/deposit beta (1:1) with floors protecting liability side. Well-positioned for Fed rate cuts with minimal margin impact.

**【Q&A Highlights】**
- **Pipeline Granularity**: Mix of $30-35M energy loans, C&I growth (+$19M net), and owner-occupied real estate. Hospitality portfolio shows modest expansion despite churn.
- **Competitive Dynamics**: Pricing normalization in Texas/Oklahoma, with stable spreads vs. 2023 levels. Deposit competition managed through transaction account growth.
- **Credit Migration**: Steady improvement in criticized/classified loans, driven by economic strength and conservative underwriting. Charge-off expectations remain stable.


Bank7 Corp. (BSVN) Q2 2025 Earnings Call Transcript

- **Macroeconomic Resilience**: Maintained 20% ROE with record capital, navigating tariff uncertainty.
- **Loan Growth Momentum**: Hospitality and C&amp;I segments drove Q1 growth, despite seasonal challenges.
- **Energy Portfolio Safety**: Stress-tested underwriting with 60% oil hedging, no credit stress observed.
- **NIM Stability**: 4.60% NIM expected to hold, supported by cost control and loan expansion.
- **M&A Caution**: Disciplined approach to acquisitions, prioritizing banks without AOCI issues.


**【CEO Opening Remarks】**
- Highlighted macroeconomic uncertainty due to tariffs, trade wars, and consumer sentiment decline.
- Emphasized Bank7's financial strength: high capital levels, debt-free status, and 20% return on equity.
- Noted cautious optimism, prioritizing capital preservation amid market volatility.

**【Loan Growth Analysis】**
- Q1 loan growth driven by hospitality (seasonal recovery) and C&amp;I segments, despite payoffs.
- Hospitality portfolio remains within self-imposed risk limits, with lower price-point properties.
- April deal flow strong, but cautious on macroeconomic impact on future bookings.

**【Energy Loan Portfolio Risk】**
- Energy loans (9-10% of total) underwritten with sensitivity to oil prices ($45/bbl stress test) and hedging.
- Borrowers diversified across production and service sectors, with 60% oil hedging in key credits.
- No material stress observed in credit book; NPAs declined in Q1.

**【Net Interest Margin (NIM) Performance】**
- NIM stabilized at 4.60% after Q1 trough, driven by cost of funds reduction (2.70% → 2.58%).
- Anticipate NIM stability in Q2-Q3, supported by loan growth and core deposit strategy.

**【Share Buyback Strategy】**
- No immediate plans for buybacks due to record capital levels and top-tier ROE.
- Will consider opportunistic purchases if share price declines significantly (e.g., below 1.5x tangible book).

**【M&A Outlook】**
- Disciplined approach to acquisitions, focusing on banks without AOCI overhang.
- Recent offers for local deals rejected as valuations remain high.
- Will continue analyzing opportunities but prioritize capital preservation.

**【Energy-Related Expenses】**
- Oil and gas-related expenses trending down, with Q1 run rate of $8.5 million.
- Remaining asset recovery expected within 12 months, aligning with cash flow projections.


Bank7 (BSVN)-10 Apr 25-2025 Q1 Earnings call transcript

- **Resilient NIM Performance**: Core NIM held steady at 4.7%, with real-time metrics near 4.5% despite rate volatility. 
- **Cost Efficiency**: Q1 expenses under $10M, with 20%+ dividend payout ratio enabling capital flexibility. 
- **Growth Catalysts**: C&I pipeline strength and $160M+ loan redeployment capacity for 2025. 
- **Strategic M&A**: Texas-focused deal pipeline reflects disciplined, value-driven approach.

**【CEO Opening Remarks】**
- Bank7 maintained strong financial resilience amid macroeconomic uncertainty, with a focus on disciplined balance sheet management and stable NIM (Net Interest Margin). 
- CEO emphasized the company's capital strength, including two liquidity backstops with the Fed, and a conservative dividend payout ratio of 20% (vs. industry average of 35%).
- Highlighted cautious optimism about regulatory reforms under the new administration, though cautioned against over-reliance on external factors.

**【CFO Financial Insights】**
- Q4 2024 saw unexpected loan paydowns ($160M+ in energy and hospitality sectors), leading to temporary NIM compression. 
- Core NIM remained resilient at 4.7%, with real-time metrics around 4.5%, reflecting historical stability (low of 4.3% over 10 years). 
- Non-interest expenses for Q1 2025 projected at $9.6M, with $1.4M tied to legacy oil/gas assets, signaling ongoing cost control efforts.

**【Q&A Key Themes】**
- **Loan Growth Outlook**: 2025 expected to see low-single-digit growth, driven by C&I (5%+ annualized) and gradual redeployment of excess liquidity. 
- **NIM Dynamics**: Beta alignment with Fed cuts has maintained margin stability, but future rate pauses may limit further expansion. 
- **M&A Strategy**: Actively pursuing deals in Texas, prioritizing strategic fits over pure scale. 
- **Credit Quality**: Minimal non-accrual loans, with one-time interest recoveries boosting Q4 NIM by ~$600K.

Actual						0.51	0.54	0.48	0.52	0.56	0.67	0.69	0.63	0.68	0.76	0.87	0.91	1.04	1.05	0.85	0.12	1.21	1.23	1.24	1.16	1.08	1.16	1.14	1.12
Forecast						0.3733	0.3167	0.44	0.48	0.5167	0.5667	0.6433	0.6933	0.6867	0.7633	0.8267	0.9667	0.96	0.9567	0.9967	0.0867	1.0533	1.0367	1.04	1.0533	0.9933	0.9933	1.06	1.0467	1.0167
Surprise	0.00%	0.00%	0.00%	0.00%	0.00%	+36.62%	+70.51%	+9.09%	+8.33%	+8.38%	+18.23%	+7.26%	-9.13%	-0.98%	-0.43%	+5.24%	-5.87%	+8.33%	+9.75%	-14.72%	+38.41%	+14.88%	+18.65%	+19.23%	+10.13%	+8.73%	+16.78%	+7.55%	+7.00%	0.00%

BSVN

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BSVN Q1 2026 Earnings Preview

Earnings Call

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BSVN

BSVN fundamentals

BSVN Q1 2026 Earnings Preview

Earnings Call

BSVN Earnings Call Summary for Q1/2026Upcoming11:00 AM on Apr 14, 2026

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BSVN Earnings Call Summary for Q2/202510:00 AM on Jul 17, 2025

BSVN Earnings Call Summary for Q1/202510:00 AM on Apr 10, 2025

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