BSVN Bank7 Corp. - Common stock
NASDAQ · Banking · View on SEC EDGAR ↗ close Oct 2, 2026 10-K/10-Q Aug 10, 2026
$55.48
· of 52w range
· above low
· to high
$38.2952w low
$57.6852w high
Market Cap (MRQ)
$528M
P/E
12.3
EPS
$4.50
your badges
52W Range
$38–$58
Analyst Rating
BUY
Price Target
$61
P/E
12.3
ROE
18.6%
Net Profit Margin
44.7%
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BSVN Stock Snapshot Price, market cap, P/E, EPS, ROE, debt/equity, 52-week range
Price
$55.48
Market Cap (MRQ)
$528M
P/E
12.3
EPS
$4.50
Div Yield
1.8%
ROE
18.6%
52W Range
$38–$58
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10-Year Performance Revenue, net income, margins and EPS trends
EPS$4.502016-12-31 → 2025-12-31
Free Cash Flow$41M2018-12-31 → 2025-12-31
Net margin44.7%2018-12-31 → 2025-12-31
Valuation & Ratios
Valuation P/E, P/S, P/B, EV/EBITDA ratios — is the stock expensive or cheap?
| Metric | 5Y trend | BSVN | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| P/E | 12.35Y avg ≈8.9 | ≈8.9 | 11.2 | Fair value | |
| P/S | 5.45Y avg ≈3.7 | ≈3.7 | 3.9 | Overvalued | |
| P/B (MRQ) | 2.05Y avg ≈1.7 | ≈1.7 | 1.4 | Overvalued | |
| Price / FCF (TTM) | 12.05Y avg ≈7.3 | ≈7.3 | · | · | |
| Price / Cash Flow (TTM) | 10.65Y avg ≈6.9 | ≈6.9 | 10.8 | Undervalued | |
| Price / Tangible Book (MRQ) | 2.05Y avg ≈1.8 | ≈1.8 | · | · | |
| PEG Ratio | ≈0.7 | · | · | · |
Peer median is calculated on a standardized basis per metric and may not always match the TTM/MRQ basis shown for this stock.
Profitability Gross, operating and net margins; ROE, ROA, ROIC
| Metric | 5Y trend | BSVN | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| EBITDA Margin | 1.2%5Y avg ≈1.5% | ≈1.5% | · | · | |
| Pretax Margin | 58.9%5Y avg ≈54.3% | ≈54.3% | 44.8% | In line | |
| Net Profit Margin | 44.7%5Y avg ≈41.0% | ≈41.0% | 37.2% | In line | |
| ROA | 2.3%5Y avg ≈2.1% | ≈2.1% | 1.1% | Top tier | |
| ROE | 18.6%5Y avg ≈19.4% | ≈19.4% | 11.8% | Top tier |
Financial Health Debt, liquidity, solvency — balance sheet strength
No data for this ratio group yet
Not enough fundamentals data to compute this ratio group yet.
Growth Revenue, EPS and net income growth: YoY, 3Y CAGR, 5Y CAGR
| Metric | 5Y trend | BSVN | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Revenue YoY | -1.1%5Y avg ≈15.2% | ≈15.2% | · | · | |
| Revenue CAGR 3Y | 10.0%5Y avg ≈18.0% | ≈18.0% | · | · | |
| Revenue CAGR 5Y | 14.6% | · | · | · | |
| EPS YoY | -7.0%5Y avg ≈19.4% | ≈19.4% | · | · | |
| Net Income YoY | -5.8%5Y avg ≈19.9% | ≈19.9% | · | · | |
| EPS CAGR 3Y | 11.8%5Y avg ≈16.6% | ≈16.6% | · | · | |
| EPS CAGR 5Y | 17.0% | · | · | · | |
| Net Income CAGR 3Y | 13.3%5Y avg ≈17.4% | ≈17.4% | · | · | |
| Net Income CAGR 5Y | 17.5% | · | · | · |
Capital Efficiency Asset turnover, inventory turnover, receivables turnover
| Metric | 5Y trend | BSVN | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Asset Turnover | 0.15Y avg ≈0.1 | ≈0.1 | 0.0 | Top tier |
value · ≈ 5Y avg · industry median · verdict relative to median
Dividends Yield, payout ratio, dividend history, 5Y CAGR
Dividend Yield1.8%
Payout Ratio21.7%
Annualized Payout≈$1.20
5Y Div CAGR≈20.6%
Growth Streak≈5
| Ex-date | Amount | Currency | Yield |
|---|---|---|---|
| Sep 18, 2026 | $0.30 | USD | ≈2.0% |
| Jun 18, 2026 | $0.27 | USD | ≈2.4% |
| Mar 19, 2026 | $0.27 | USD | ≈2.7% |
| Dec 22, 2025 | $0.27 | USD | ≈2.4% |
| Sep 19, 2025 | $0.27 | USD | ≈2.1% |
| Jun 20, 2025 | $0.24 | USD | ≈2.5% |
| Mar 20, 2025 | $0.24 | USD | ≈2.4% |
| Dec 20, 2024 | $0.24 | USD | ≈2.0% |
| Sep 26, 2024 | $0.24 | USD | ≈2.3% |
| Jun 20, 2024 | $0.21 | USD | ≈2.8% |
| Mar 20, 2024 | $0.21 | USD | ≈2.9% |
| Dec 21, 2023 | $0.21 | USD | ≈2.7% |
| Sep 25, 2023 | $0.21 | USD | ≈3.0% |
| Jun 21, 2023 | $0.16 | USD | ≈2.4% |
| Mar 21, 2023 | $0.16 | USD | ≈2.2% |
| Dec 22, 2022 | $0.16 | USD | ≈2.0% |
| Sep 21, 2022 | $0.12 | USD | ≈2.1% |
| Jun 21, 2022 | $0.12 | USD | ≈2.0% |
| Mar 22, 2022 | $0.12 | USD | ≈1.9% |
| Dec 22, 2021 | $0.12 | USD | ≈2.0% |
Earnings History EPS actual vs estimate, surprise %, beat rate, next earnings date
Avg Surprise
5.4%
Next Report
Oct 15, 2026
| Period | Report | EPS Actual | EPS Est | Surprise |
|---|---|---|---|---|
| June 30, 2026 | Jul 15, 2026 | $0.87 | $1.06 | -17.8% |
| March 31, 2026 | $1.25 | $1.03 | 21.0% | |
| Dec. 31, 2025 | $1.12 | $1.07 | 5.0% | |
| Sept. 30, 2025 | $1.13 | $1.09 | 4.1% | |
| June 30, 2025 | $1.16 | $1.02 | 13.7% | |
| March 31, 2025 | $1.08 | $1.01 | 6.6% |
Full Fundamentals All metrics by year — income statement, balance sheet, cash flow
Income Statement
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest Expense | · | · | $39M | $9M | $3M | $6M | $10M | $7M | $5M | $3M | |
| Interest Income | $129M | $132M | $122M | $79M | $56M | $53M | $52M | $47M | $43M | $33M | |
| Pretax Income | $57M | $60M | $37M | $39M | $31M | $26M | $15M | $26M | $24M | $17M | |
| Income Tax | $14M | $15M | $9M | $10M | $8M | $7M | $7M | $797.0K | $0 | $0 | |
| Net Income | $43M | $46M | $28M | $30M | $23M | $19M | $8M | $25M | $24M | $17M | |
| EPS (Basic) | $4.56 | $4.92 | $3.09 | $3.26 | $2.56 | $2.05 | $0.81 | $3.08 | $3.26 | $2.31 | |
| EPS (Diluted) | $4.50 | $4.84 | $3.05 | $3.22 | $2.55 | $2.05 | $0.81 | $3.03 | $3.26 | $2.31 | |
| Shares (Basic) | 9,444,105 | 9,290,051 | 9,161,565 | 9,101,523 | 9,056,117 | 9,378,769 | 10,145,032 | 8,105,856 | 7,287,500 | 7,287,500 | |
| Shares (Diluted) | 9,574,190 | 9,447,751 | 9,264,307 | 9,204,716 | 9,091,536 | 9,379,154 | 10,147,311 | 8,237,638 | 7,287,500 | 7,287,500 | |
| EBITDA | $1M | $1M | $1M | $1M | $1M | $1M | $849.0K | $1M | · | · |
Balance Sheet
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | · | · | · | · | · | · | · | $128M | $100M | $74M | |
| PP&E (Net) | $22M | $18M | $15M | $13M | $17M | $9M | $10M | $8M | $10M | · | |
| PP&E (Gross) | $30M | $25M | $22M | $19M | $22M | $13M | $13M | $11M | $13M | · | |
| Accum. Depreciation | $8M | $7M | $7M | $6M | $5M | $4M | $3M | $3M | $3M | · | |
| Goodwill | $11M | $8M | $8M | $9M | $8M | $1M | $1M | · | · | · | |
| Intangibles | $752.0K | $878.0K | $1M | $1M | $2M | $572.0K | $778.0K | $984.0K | · | · | |
| Total Assets | $1.96B | $1.74B | $1.77B | $1.58B | $1.35B | $1.02B | $866M | $771M | $704M | · | |
| Total Liabilities | $1.71B | $1.53B | $1.60B | $1.44B | $1.22B | $909M | $766M | $682M | $634M | · | |
| Long-term Debt | · | · | · | · | · | · | · | $0 | $6M | · | |
| Common Stock | $95.0K | $94.0K | $92.0K | $91.0K | $91.0K | $90.0K | $101.0K | $102.0K | $73.0K | · | |
| Retained Earnings | $150M | $116M | $79M | $58M | $33M | $14M | $8M | $8M | $62M | · | |
| AOCI | $-3M | $-5M | $-6M | $-9M | $144.0K | $0 | · | · | · | · | |
| Stockholders' Equity | $251M | $213M | $170M | $144M | $127M | $107M | $100M | $88M | $69M | $55M | |
| Liabilities + Equity | $1.96B | $1.74B | $1.77B | $1.58B | $1.35B | $1.02B | $866M | $771M | $704M | · | |
| Shares Outstanding | 9,462,656 | 9,390,211 | 9,197,696 | 9,131,973 | 9,071,417 | 9,044,765 | 10,057,506 | 10,187,500 | 7,287,500 | · |
Cash Flow
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| D&A | $1M | $1M | $1M | $1M | $1M | $1M | $849.0K | $1M | $1M | $799.0K | |
| Stock-based Comp | $3M | $2M | $2M | $1M | $1M | $771.0K | $12M | $154.0K | $0 | $0 | |
| Deferred Tax | $-344.0K | $-144.0K | $-1M | $-1M | $235.0K | $-875.0K | $-20.0K | $-1M | $0 | · | |
| Amort. of Intangibles | $125.0K | $153.0K | $305.0K | $307.0K | $183.0K | $206.0K | $206.0K | $206.0K | $206.0K | $206.0K | |
| Other Non-cash | $-770.0K | $6M | $19M | $9M | $5M | $5M | $-2M | $2M | · | · | |
| Operating Cash Flow | $46M | $55M | $49M | $40M | $30M | $25M | $19M | $27M | $26M | $19M | |
| CapEx | $5M | $4M | $3M | $294.0K | $599.0K | $438.0K | $3M | $378.0K | $4M | $2M | |
| Investing Cash Flow | $-211M | $80M | $-131M | $-343M | $-43M | $-120M | $-108M | $-38M | $-66M | $-44M | |
| Net Debt Issued | · | · | · | · | · | $0 | $0 | $-6M | · | · | |
| Stock Issued | $1.0K | $2.0K | $1.0K | $0 | $1.0K | · | · | $50M | $0 | $0 | |
| Stock Repurchased | · | · | · | · | · | $9M | $3M | $0 | $0 | · | |
| Net Stock Activity | $1.0K | $2.0K | $1.0K | · | · | $-9M | $-3M | $50M | · | · | |
| Dividends Paid | $9M | $8M | $6M | $4M | $4M | $8M | $1M | $56M | $10M | $7M | |
| Financing Cash Flow | $175M | $-82M | $154M | $207M | $64M | $131M | $78M | $39M | $66M | $33M | |
| Net Change in Cash | · | · | · | · | · | · | · | $28M | $26M | $8M | |
| Taxes Paid | $14M | $15M | $11M | $10M | $8M | $8M | $7M | $0 | $0 | · | |
| Free Cash Flow | $41M | $51M | $46M | $39M | $29M | $25M | $16M | $27M | · | · | |
| Levered FCF | · | · | $17M | $32M | $27M | $20M | $11M | $20M | · | · |
Profitability
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Margin | 44.7% | 46.9% | 30.8% | 41.0% | 41.7% | 39.5% | 18.9% | 61.0% | · | · | |
| Pretax Margin | 58.9% | 61.9% | 40.6% | 54.2% | 55.7% | 53.0% | 34.6% | 63.0% | · | · | |
| EBITDA Margin | 1.2% | 1.1% | 1.4% | 1.9% | 1.9% | 2.2% | 1.9% | 2.7% | · | · | |
| ROA | 2.3% | 2.6% | 1.7% | 2.0% | 2.0% | 2.1% | 1.0% | 3.4% | · | · | |
| ROE | 18.6% | 21.9% | 16.7% | 21.2% | 18.5% | 18.1% | 8.2% | 29.2% | · | · |
Efficiency
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Asset Turnover | 0.1 | 0.1 | 0.1 | 0.0 | 0.0 | 0.1 | 0.1 | 0.1 | · | · |
Per Share
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Book Value / Share | $26.52 | $22.71 | $18.52 | $15.78 | $14.04 | $11.87 | $9.96 | $8.68 | · | · | |
| Revenue / Share | $10.07 | $10.31 | $9.91 | $7.86 | $6.10 | $5.21 | $4.29 | $4.97 | · | · | |
| Cash Flow / Share | $4.82 | $5.83 | $5.30 | $4.31 | $3.29 | $2.69 | $1.89 | $3.28 | · | · | |
| Cash / Share | · | · | · | · | · | · | · | $12.57 | · | · | |
| Dividend / Share | $1.02 | $0.89 | $0.74 | $0.52 | $0.45 | $0.41 | $0.60 | $7.71 | $1.34 | $0.96 | |
| EPS (TTM) | $4.50 | $4.84 | $3.05 | $3.22 | $2.55 | $2.05 | $0.81 | $3.03 | · | · |
Growth Rates
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue YoY | -1.1% | 6.2% | 26.8% | 30.4% | 13.6% | · | · | · | · | · | |
| Revenue CAGR 3Y | 10.0% | 20.6% | 23.4% | · | · | · | · | · | · | · | |
| Revenue CAGR 5Y | 14.6% | · | · | · | · | · | · | · | · | · | |
| EPS YoY | -7.0% | 58.7% | -5.3% | 26.3% | 24.4% | · | · | · | · | · | |
| EPS CAGR 3Y | 11.8% | 23.8% | 14.2% | · | · | · | · | · | · | · | |
| EPS CAGR 5Y | 17.0% | · | · | · | · | · | · | · | · | · | |
| Net Income YoY | -5.8% | 61.6% | -4.6% | 28.0% | 20.2% | · | · | · | · | · | |
| Net Income CAGR 3Y | 13.3% | 25.4% | 13.6% | · | · | · | · | · | · | · | |
| Net Income CAGR 5Y | 17.5% | · | · | · | · | · | · | · | · | · | |
| Dividends Paid CAGR 5Y | 3.7% | · | · | · | · | · | · | · | · | · |
Valuation (TTM)
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue TTM | $96M | $97M | $92M | $72M | $55M | $49M | $44M | $41M | · | · | |
| Net Income TTM | $43M | $46M | $28M | $30M | $23M | $19M | $8M | $25M | · | · | |
| Market Cap | $388M | $438M | $252M | $234M | $209M | $128M | $191M | $136M | · | · | |
| P/E | 9.1 | 9.6 | 9.0 | 8.0 | 9.0 | 6.9 | 23.4 | 4.4 | · | · | |
| P/S | 4.0 | 4.5 | 2.7 | 3.2 | 3.8 | 2.6 | 4.4 | 3.3 | · | · | |
| P/B | 1.5 | 2.1 | 1.5 | 1.6 | 1.6 | 1.2 | 1.9 | 1.5 | · | · | |
| P / Tangible Book | 1.6 | 2.1 | 1.6 | 1.7 | 1.8 | 1.2 | · | · | · | · | |
| P / Cash Flow | 8.4 | 8.0 | 5.1 | 5.9 | 7.0 | 5.1 | 9.9 | 5.0 | · | · | |
| P / FCF | 9.4 | 8.6 | 5.4 | 5.9 | 7.1 | 5.2 | 11.9 | 5.1 | · | · | |
| Dividend Yield | 2.4% | 1.8% | 2.5% | 1.9% | 1.9% | 6.1% | 0.53% | 41.3% | · | · | |
| Earnings Yield | 11.0% | 10.4% | 11.2% | 12.6% | 11.1% | 14.4% | 4.3% | 22.7% | · | · | |
| Payout Ratio | 21.7% | 17.6% | 22.4% | 14.7% | 17.2% | 40.5% | 12.2% | 224.6% | · | · | |
| Annual Payout | $9M | $8M | $6M | $4M | $4M | $8M | $1M | $56M | · | · |
Income Statement
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest Expense | · | · | · | · | · | · | · | · | · | $11M | · | $11M | $10M | $7M | · | $3M | |
| Interest Income | $31M | $34M | $33M | $34M | $32M | $30M | $32M | $33M | $32M | $33M | $32M | $32M | $30M | $27M | $25M | $22M | |
| Pretax Income | $11M | $16M | $14M | $14M | $15M | $14M | $15M | $15M | $15M | $15M | $2M | $10M | $13M | $13M | $11M | $10M | |
| Income Tax | $3M | $4M | $3M | $3M | $4M | $3M | $4M | $4M | $4M | $4M | $492.0K | $2M | $3M | $3M | $3M | $2M | |
| Net Income | $8M | $12M | $11M | $11M | $11M | $10M | $11M | $12M | $12M | $11M | $1M | $8M | $10M | $10M | $8M | $8M | |
| EPS (Basic) | $0.88 | $1.26 | $1.13 | $1.15 | $1.18 | $1.10 | $1.19 | $1.26 | $1.25 | $1.22 | $0.12 | $0.86 | $1.06 | $1.05 | $0.93 | $0.88 | |
| EPS (Diluted) | $0.87 | $1.25 | $1.13 | $1.13 | $1.16 | $1.08 | $1.16 | $1.24 | $1.23 | $1.21 | $0.11 | $0.85 | $1.05 | $1.04 | $0.92 | $0.87 | |
| Shares (Basic) | 9,519,335 | 9,491,075 | · | 9,450,984 | 9,449,152 | 9,421,534 | · | 9,323,622 | 9,250,332 | 9,220,154 | · | 9,158,027 | 9,153,077 | 9,146,932 | · | 9,100,789 | |
| Shares (Diluted) | 9,604,143 | 9,596,869 | · | 9,597,914 | 9,545,128 | 9,552,273 | · | 9,498,318 | 9,367,247 | 9,317,813 | · | 9,273,595 | 9,247,101 | 9,264,247 | · | 9,209,754 | |
| EBITDA | · | $290.0K | · | · | · | $251.0K | · | · | · | $295.0K | · | · | · | $326.0K | · | · |
Balance Sheet
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| PP&E (Net) | $26M | $24M | $22M | $21M | $21M | $21M | $18M | $17M | $17M | $15M | · | $15M | $15M | $13M | · | $13M | |
| PP&E (Gross) | · | · | $30M | · | · | · | $25M | · | · | · | · | · | · | · | · | · | |
| Accum. Depreciation | · | · | $8M | · | · | · | $7M | · | · | · | · | · | · | · | · | · | |
| Goodwill | $11M | $11M | $11M | $11M | $11M | $11M | $8M | $8M | $8M | $8M | · | $8M | $8M | $8M | · | $8M | |
| Intangibles | $690.0K | $721.0K | $752.0K | $784.0K | $815.0K | $846.0K | $878.0K | $907.0K | $938.0K | $970.0K | · | $1M | $1M | $1M | · | $1M | |
| Total Assets | $1.91B | $1.95B | $1.96B | $1.89B | $1.84B | $1.79B | $1.74B | $1.74B | $1.68B | $1.77B | · | $1.77B | $1.68B | $1.66B | · | $1.58B | |
| Total Liabilities | $1.65B | $1.69B | $1.71B | $1.65B | $1.60B | $1.56B | $1.53B | $1.54B | $1.49B | $1.59B | · | $1.60B | $1.52B | $1.51B | · | $1.45B | |
| Common Stock | $95.0K | $95.0K | $95.0K | $95.0K | $94.0K | $94.0K | $94.0K | $93.0K | $93.0K | $92.0K | · | $92.0K | $92.0K | $92.0K | · | $91.0K | |
| Retained Earnings | $165M | $159M | $150M | $141M | $133M | $124M | $116M | $107M | $98M | $88M | · | $80M | $74M | $66M | · | $51M | |
| AOCI | $-3M | $-3M | $-3M | $-3M | $-4M | $-4M | $-5M | $-4M | $-6M | $-6M | · | $-9M | $-9M | $-8M | · | $-10M | |
| Stockholders' Equity | $266M | $260M | $251M | $242M | $232M | $222M | $213M | $204M | $191M | $180M | $170M | $168M | $162M | $154M | $144M | $136M | |
| Liabilities + Equity | $1.91B | $1.95B | $1.96B | $1.89B | $1.84B | $1.79B | $1.74B | $1.74B | $1.68B | $1.77B | · | $1.77B | $1.68B | $1.66B | · | $1.58B | |
| Shares Outstanding | 9,519,335 | 9,519,335 | 9,462,656 | 9,451,979 | 9,449,319 | 9,448,237 | 9,390,211 | 9,341,267 | 9,253,038 | 9,238,206 | · | 9,184,975 | 9,154,934 | 9,151,977 | · | 9,115,739 |
Cash Flow
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| D&A | $290.0K | $290.0K | $289.0K | $290.0K | $289.0K | $251.0K | $246.0K | $254.0K | $262.0K | $295.0K | $329.0K | $323.0K | $324.0K | $326.0K | $343.0K | $351.0K | |
| Stock-based Comp | $594.0K | $659.0K | $806.0K | $842.0K | $762.0K | $652.0K | $605.0K | $621.0K | $637.0K | $604.0K | $472.0K | $565.0K | $621.0K | $506.0K | $325.0K | $67.0K | |
| Deferred Tax | $-396.0K | $497.0K | $-369.0K | $-359.0K | $305.0K | $79.0K | $-255.0K | $-386.0K | $622.0K | $-125.0K | $374.0K | $-1M | $-144.0K | $-245.0K | $-1M | $249.0K | |
| Other Non-cash | · | $3M | · | · | · | $-320.0K | · | · | · | $8M | · | · | · | $3M | · | · | |
| Operating Cash Flow | $7M | $17M | $9M | $17M | $9M | $11M | $13M | $13M | $8M | $20M | $16M | $13M | $7M | $14M | $10M | $5M | |
| CapEx | $2M | $2M | $1M | $214.0K | $639.0K | $3M | $1M | $613.0K | $2M | $668.0K | $232.0K | $377.0K | $2M | $219.0K | $21.0K | $45.0K | |
| Investing Cash Flow | $3M | $19M | $-67M | $-34M | $-72M | $-37M | $45M | $-79M | $109M | $5M | $-370.0K | $-122M | $-3M | $-6M | $-39M | $-71M | |
| Stock Issued | · | · | $0 | $1.0K | · | · | $1.0K | $0 | $1.0K | $0 | $0 | $0 | $0 | $1.0K | $0 | $0 | |
| Net Stock Activity | · | · | · | · | · | · | · | · | · | $0 | · | · | · | · | · | · | |
| Dividends Paid | $3M | $3M | $3M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $1M | $1M | $1M | $1M | $1M | |
| Financing Cash Flow | $-36M | $-33M | $61M | $40M | $41M | $33M | $-11M | $43M | $-101M | $-14M | $-4M | $82M | $15M | $61M | $-9M | $90M | |
| Taxes Paid | $6M | $0 | $3M | $3M | $7M | $0 | $4M | $3M | $7M | $97.0K | $188.0K | $4M | $7M | $21.0K | $3M | $5M | |
| Free Cash Flow | · | $14M | · | · | · | $8M | · | · | · | $20M | · | · | · | $13M | · | · | |
| Levered FCF | · | · | · | · | · | · | · | · | · | $11M | · | · | · | $8M | · | · |
Profitability
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Margin | 36.4% | 45.9% | · | 43.0% | 45.4% | 45.7% | · | 47.3% | 47.2% | 47.0% | · | 36.1% | 45.8% | 46.5% | · | 40.4% | |
| Pretax Margin | 48.1% | 60.5% | · | 56.2% | 60.2% | 60.7% | · | 62.3% | 62.5% | 62.0% | · | 46.9% | 60.6% | 60.7% | · | 52.3% | |
| EBITDA Margin | · | 1.1% | · | · | · | 1.1% | · | · | · | 1.2% | · | · | · | 1.6% | · | · | |
| ROA | 0.45% | 0.64% | · | 0.60% | 0.63% | 0.58% | · | 0.67% | 0.69% | 0.66% | · | 0.47% | 0.62% | 0.62% | · | 0.59% | |
| ROE | 3.4% | 5.0% | · | 4.9% | 5.2% | 5.1% | · | 6.3% | 6.5% | 6.8% | · | 5.2% | 6.7% | 6.8% | · | 6.2% |
Efficiency
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Asset Turnover | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 |
Per Share
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Book Value / Share | $27.98 | $27.29 | · | $25.58 | $24.54 | $23.46 | · | $21.86 | $20.62 | $19.53 | · | $18.28 | $17.67 | $16.83 | · | $14.90 | |
| Revenue / Share | $2.39 | $2.73 | · | $2.63 | $2.56 | $2.37 | · | $2.62 | $2.60 | $2.58 | · | $2.35 | $2.30 | $2.23 | · | $2.16 | |
| Cash Flow / Share | · | $1.73 | · | · | · | $1.15 | · | · | · | $2.19 | · | · | · | $1.47 | · | · | |
| Dividend / Share | $0.27 | $0.27 | $0.27 | $0.27 | $0.24 | $0.24 | $0.23 | $0.24 | $0.21 | $0.21 | $0.21 | $0.21 | $0.16 | $0.16 | $0.16 | $0.12 | |
| EPS (TTM) | $4.38 | $4.67 | · | $4.53 | $4.64 | $4.71 | · | $3.79 | $3.40 | $3.22 | · | $3.86 | $3.88 | $3.59 | · | $2.93 |
Valuation (TTM)
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue TTM | $98M | $100M | · | $96M | $96M | $96M | · | $101M | $98M | $95M | · | $85M | $83M | $78M | · | $66M | |
| Net Income TTM | $42M | $45M | · | $43M | $44M | $45M | · | $36M | $32M | $30M | · | $36M | $36M | $33M | · | $27M | |
| Market Cap | $466M | $380M | · | $437M | $395M | $366M | · | $350M | $290M | $261M | · | $207M | $225M | $225M | · | $202M | |
| P/E | 11.2 | 8.5 | · | 10.2 | 9.0 | 8.2 | · | 9.9 | 9.2 | 8.8 | · | 5.8 | 6.3 | 6.8 | · | 7.6 | |
| P/S | 4.7 | 3.8 | · | 4.5 | 4.1 | 3.8 | · | 3.5 | 2.9 | 2.7 | · | 2.4 | 2.7 | 2.9 | · | 3.1 | |
| P/B | 1.7 | 1.5 | · | 1.8 | 1.7 | 1.7 | · | 1.7 | 1.5 | 1.4 | · | 1.2 | 1.4 | 1.5 | · | 1.5 | |
| P / Tangible Book | 1.8 | 1.5 | · | 1.9 | 1.8 | 1.7 | · | 1.8 | 1.6 | 1.5 | · | 1.3 | 1.5 | 1.6 | · | 1.6 | |
| P / Cash Flow | · | 22.8 | · | · | · | 33.3 | · | · | · | 12.7 | · | · | · | 16.6 | · | · | |
| Dividend Yield | 2.1% | 2.5% | · | 2.1% | 2.2% | 2.3% | · | 2.2% | 2.5% | 2.6% | · | 2.6% | 2.3% | 2.1% | · | 2.1% | |
| Earnings Yield | 8.9% | 11.7% | · | 9.8% | 11.1% | 12.2% | · | 10.1% | 10.9% | 11.4% | · | 17.2% | 15.8% | 14.6% | · | 13.2% | |
| Payout Ratio | · | 21.3% | · | · | · | 21.8% | · | · | · | 17.1% | · | · | · | 15.2% | · | · | |
| Annual Payout | $10M | $10M | · | $9M | $9M | $8M | · | $8M | $7M | $7M | · | $5M | $5M | $5M | · | $4M |
Most recent period on the left · null values shown as ·
Financial Statements Income statement, balance sheet, cash flow — annual, last 5 years
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Net Income | $43M | $46M | $28M | $30M | $23M |
| Diluted EPS | $4.50 | $4.84 | $3.05 | $3.22 | $2.55 |
No data for this statement
Not enough fundamentals data to build this statement yet.
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Free Cash Flow | $41M | $51M | $46M | $39M | $29M |
Institutional owners (13F) 98 filers · $167.6M total · As of June 30, 2026
Institutions that report holding this stock in their quarterly SEC Form 13F. Long positions only; a single filer may appear twice for separate option legs. Large offsetting put/call legs typically reflect market-making or hedged inventory, not directional conviction.
Holders
98
Value held
$167.6M
New positions
12
Exited positions
8
Institutional activity — Q2 2026 vs prior quarter
| New positions | Exited positions | Increased | Decreased | Net shares change |
|---|---|---|---|---|
| 12 (-3 vs prior Q) | 8 (+1 vs prior Q) | 35 (+11 vs prior Q) | 22 (-8 vs prior Q) | +51K |
Compared to Q1 2026. SEC Form 13F filings are due within 45 days of quarter-end plus a short buffer for late filers — quarters still inside that window are skipped in favor of the most recent fully-reported pair.
| Institution | Value | Shares | % of tracked 13F | Type |
|---|---|---|---|---|
| BlackRock, Inc. | $28,930,380 | 591,019 | 17.26% | Shares |
| Mink Brook Asset Management LLC | $23,281,110 | 475,610 | 13.89% | Shares |
| MANUFACTURERS LIFE INSURANCE COMPANY, THE | $13,440,544 | 274,577 | 8.02% | Shares |
| Twin Lions Management LLC | $12,491,893 | 255,197 | 7.45% | Shares |
| VANGUARD GROUP INC | $10,070,834 | 245,750 | 6.01% | Shares |
| VANGUARD CAPITAL MANAGEMENT LLC | $9,568,110 | 195,467 | 5.71% | Shares |
| AMERICAN CENTURY COMPANIES INC | $7,143,910 | 145,943 | 4.26% | Shares |
| DIMENSIONAL FUND ADVISORS LP | $6,976,328 | 142,520 | 4.16% | Shares |
| BANC FUNDS CO LLC | $6,291,005 | 128,519 | 3.75% | Shares |
| GEODE CAPITAL MANAGEMENT, LLC | $5,512,739 | 112,583 | 3.29% | Shares |
| NORTHERN TRUST CORP | $3,631,699 | 74,192 | 2.17% | Shares |
| HOTCHKIS & WILEY CAPITAL MANAGEMENT LLC | $3,618,237 | 73,917 | 2.16% | Shares |
| STATE STREET CORP | $3,151,380 | 64,027 | 1.88% | Shares |
| Stonegate Management LLC | $2,504,922 | 53,823 | 1.49% | Shares |
| Connor, Clark & Lunn Investment Management Ltd. | $2,186,205 | 44,662 | 1.30% | Shares |
| Russell Investments Group, Ltd. | $1,704,838 | 34,828 | 1.02% | Shares |
| GOLDMAN SACHS GROUP INC | $1,629,938 | 33,298 | 0.97% | Shares |
| HSBC HOLDINGS PLC | $1,534,272 | 31,641 | 0.92% | Shares |
| VANGUARD PORTFOLIO MANAGEMENT LLC | $1,433,892 | 29,293 | 0.86% | Shares |
| VANGUARD FIDUCIARY TRUST CO | $1,408,879 | 28,782 | 0.84% | Shares |
| Bank of New York Mellon Corp | $1,257,074 | 25,681 | 0.75% | Shares |
| LOS ANGELES CAPITAL MANAGEMENT LLC | $1,168,926 | 23,880 | 0.70% | Shares |
| MORGAN STANLEY | $1,155,758 | 23,611 | 0.69% | Shares |
| Angel Oak Capital Advisors, LLC | $1,076,900 | 22,000 | 0.64% | Shares |
| SEI INVESTMENTS CO | $920,847 | 18,812 | 0.55% | Shares |
| BANK OF AMERICA CORP /DE/ | $909,051 | 18,571 | 0.54% | Shares |
| SummerHaven Investment Management, LLC | $786,186 | 16,061 | 0.47% | Shares |
| Penn Capital Management Company, LLC | $780,606 | 15,947 | 0.47% | Shares |
| RENAISSANCE TECHNOLOGIES LLC | $768,515 | 15,700 | 0.46% | Shares |
| AMERIPRISE FINANCIAL INC | $749,134 | 15,304 | 0.45% | Shares |
| CITADEL ADVISORS LLC | $680,650 | 13,905 | 0.41% | Shares |
| TWO SIGMA INVESTMENTS, LP | $675,363 | 13,797 | 0.40% | Shares |
| BARCLAYS PLC | $674,336 | 13,776 | 0.40% | Shares |
| ARROWSTREET CAPITAL, LIMITED PARTNERSHIP | $647,657 | 13,231 | 0.39% | Shares |
| CHARLES SCHWAB INVESTMENT MANAGEMENT INC | $624,553 | 12,759 | 0.37% | Shares |
| Squarepoint Ops LLC | $563,463 | 11,511 | 0.34% | Shares |
| EMERALD MUTUAL FUND ADVISERS TRUST | $510,793 | 10,435 | 0.30% | Shares |
| STATE OF WISCONSIN INVESTMENT BOARD | $479,710 | 9,800 | 0.29% | Shares |
| Argent Trust Co | $419,991 | 8,580 | 0.25% | Shares |
| R Squared Ltd | $418,816 | 8,556 | 0.25% | Shares |
| Trexquant Investment LP | $412,208 | 8,421 | 0.25% | Shares |
| AQR CAPITAL MANAGEMENT LLC | $398,992 | 8,151 | 0.24% | Shares |
| Nuveen, LLC | $368,642 | 7,531 | 0.22% | Shares |
| MARTINGALE ASSET MANAGEMENT L P | $324,147 | 6,622 | 0.19% | Shares |
| EVERPAR ADVISORS LLC | $290,616 | 5,937 | 0.17% | Shares |
| BNP PARIBAS FINANCIAL MARKETS | $288,609 | 5,896 | 0.17% | Shares |
| JACOBS LEVY EQUITY MANAGEMENT, INC | $273,777 | 5,593 | 0.16% | Shares |
| STIFEL FINANCIAL CORP | $261,884 | 5,350 | 0.16% | Shares |
| MARSHALL WACE, LLP | $260,609 | 5,324 | 0.16% | Shares |
| ZACKS INVESTMENT MANAGEMENT | $241,226 | 4,928 | 0.14% | Shares |
Activists & 5%+ owners 1 position
Investors who filed SEC Schedule 13D — beneficial ownership above 5% with an intent to influence the issuer (activist stakes, board campaigns, M&A). Each row shows the most recent known state of that filer's position.
| Filer | Filed | Stake | Status | Purpose | Filing |
|---|---|---|---|---|---|
| William Bradford Haines Financial Services Trust, Lisa K. Haines Financial Services Trust, Julee S. Lawrence Financial Services Trust, William B. Haines, not individually but solely as the trustee of the William Bradford Haines Financial Services Trust ×5 filings | Dec. 29, 2021 | · | Initial filing | · | SEC |
Purpose is an automated classification of the filer's own stated purpose (SEC Item 4) — not investment advice. "—" means no clear purpose was stated or the text could not be classified.
Company insiders 21 insiders · 10 officers · 10 directors
| Insider | Role | Last activity | Shares owned | Buys 12m | Sells 12m | Net 12m |
|---|---|---|---|---|---|---|
| Thomas L Travis | President & CEO | July 29, 2026 F | 283,610 | 0 | 2 | $-552,065 |
| Kelly J Harris | EVP; CFO | July 29, 2026 F | 15,966 | 0 | 1 | $-205,875 |
| Andrew J Levinson | Regional President - Tulsa | July 29, 2026 A | 48,758 | 0 | 0 | $0 |
| John T Phillips | Sr. EVP; COO; and Secretary | Feb. 19, 2026 G | 228,500 | 0 | 0 | $0 |
| Jason E Estes | Exec. Vice President; CCO | Aug. 4, 2026 S | 103,840 | 0 | 5 | $-372,369 |
| Darrell Lee Mathews Jr. | Executive Vice President | July 29, 2026 A | 9,997 | 0 | 1 | $-43,000 |
| Henry Litchfield | VP; General Counsel | July 29, 2026 A | 14,927 | 0 | 0 | $0 |
| Douglas A Haines | Reg. Pres. of West. OK & KS | July 29, 2026 A | 19,147 | 0 | 1 | $-44,070 |
| Lisa K. Haines | EVP; Chief Marketing Officer | July 18, 2024 M | 3,876 | 0 | 0 | $0 |
| William B. Haines | Chairman | Dec. 27, 2021 S | 1,778,701 | 0 | 0 | $0 |
| Edward Patrick Gray | Director | July 29, 2026 A | 3,330 | 0 | 0 | $0 |
| Gary D Whitcomb | Director | July 29, 2026 A | 6,742 | 0 | 0 | $0 |
| William M Buergler | Director | July 29, 2026 A | 6,741 | 0 | 0 | $0 |
| Teresa L. Dick | Director | July 29, 2026 A | 3,733 | 0 | 0 | $0 |
| Michael J. Sanner | Director | Feb. 15, 2025 A | 5,875 | 0 | 0 | $0 |
| Charles W Brown | Director | Feb. 15, 2023 A | 2,600 | 0 | 0 | $0 |
| Lonny D Wilson | Director | Jan. 4, 2021 A | 6,350 | 0 | 0 | $0 |
| William Bradford Haines Financial Services Trust | 10% owner | Dec. 27, 2021 S | 1,778,701 | 0 | 0 | $0 |
| Julee S. Lawrence Financial Services Trust | 10% owner | Sept. 5, 2019 J | 1,430,864 | 0 | 0 | $0 |
| Lisa K. Haines Financial Services Trust | 10% owner | Sept. 5, 2019 J | 1,430,864 | 0 | 0 | $0 |
| Julee S Thummel | 10% owner | Oct. 17, 2018 S | 1,595,550 | 0 | 0 | $0 |
Insiders from SEC Form 3/4/5 filings; net = open-market P/S only
ETF ownership Held by 22 ETFs
Weight reflects direct equity holdings (N-PORT) only; leveraged or derivative-based funds may hold additional swap exposure not shown.
| Fund | Weight | Units | As of | Source |
|---|---|---|---|---|
| DWAS · Invesco Exchange-Traded Fund Trust … | 0.44% | 32,671 SH | Oct. 2, 2026 | Daily |
| EBIT · Harbor ETF Trust | 0.10% | 233 NS | July 31, 2026 | N-PORT |
| IWC · iShares Trust | 0.06% | 15,375 SH | Sept. 11, 2026 | Daily |
| OMFS · Invesco Exchange-Traded Self-Indexe… | 0.01% | 531 SH | Sept. 30, 2026 | Daily |
| VTWO · VANGUARD SCOTTSDALE FUNDS | 0.01% | 25,069 SH | Aug. 19, 2026 | Daily |
| VTWV · VANGUARD SCOTTSDALE FUNDS | 0.01% | 3,617 SH | Aug. 19, 2026 | Daily |
| IWM · iShares Trust | 0.01% | 124,332 SH | Sept. 11, 2026 | Daily |
| RSSL · Global X Funds | 0.01% | 2,115 NS | July 31, 2026 | N-PORT |
| DFAS · Dimensional ETF Trust | 0.01% | 17,794 NS | July 31, 2026 | N-PORT |
| DFAT · Dimensional ETF Trust | 0.01% | 15,026 NS | July 31, 2026 | N-PORT |
| IWO · iShares Trust | 0.00% | 3,719 SH | Sept. 11, 2026 | Daily |
| DFAU · Dimensional ETF Trust | 0.00% | 1,025 NS | July 31, 2026 | N-PORT |
| DCOR · Dimensional ETF Trust | 0.00% | 251 NS | July 31, 2026 | N-PORT |
| DFAC · Dimensional ETF Trust | 0.00% | 2,655 NS | July 31, 2026 | N-PORT |
| DFUS · Dimensional ETF Trust | 0.00% | 292 NS | July 31, 2026 | N-PORT |
| VXF · VANGUARD INDEX FUNDS | 0.00% | 48,622 SH | Aug. 19, 2026 | Daily |
| VTI · VANGUARD INDEX FUNDS | 0.00% | 142,234 SH | Aug. 19, 2026 | Daily |
| VTWG · VANGUARD SCOTTSDALE FUNDS | 0.00% | 306 SH | Aug. 19, 2026 | Daily |
| VTHR · VANGUARD SCOTTSDALE FUNDS | 0.00% | 301 SH | Aug. 19, 2026 | Daily |
| DFSU · Dimensional ETF Trust | 0.00% | 4 NS | July 31, 2026 | N-PORT |
| DXUV · Dimensional ETF Trust | 0.00% | 4 NS | July 31, 2026 | N-PORT |
| IWN · iShares Trust | · | 48,825 SH | Sept. 11, 2026 | Daily |
BSVN Analyst Consensus Bullish and bearish analyst opinions, 12-month price target, upside
rating · 9 analysts
BUY
Median target
$61.00
+9.9%
2 22.2%
Strong Buy
5 55.6%
Buy
2 22.2%
Hold
0 0.0%
Sell
0 0.0%
Strong Sell
12-Month Price Target
3 analysts · 2026-10-04Mean target $60.67 +9.3%
← Below all targets
Current price $55.48
Low$59.00
Mean$60.67
High$62.00
Peer comparison (GICS sub-industry) Key metrics vs sector peers
FY basis, prices as of each company's last fiscal year-end close.
| Ticker | Market Cap | P/E | Rev YoY | Net Margin | ROE | Gross Margin |
|---|---|---|---|---|---|---|
| BSVN | $388M | 9.1 | -1.1% | 44.7% | 18.6% | · |
| NRIM | $588M | 9.3 | 30.4% | 25.3% | 20.9% | 81.7% |
| UNTY | $516M | 9.1 | 23.1% | 44.0% | 18.1% | · |
| HBCP | $453M | 9.8 | 10.2% | 31.0% | 10.9% | · |
| BWFG | $362M | 10.3 | 44.0% | 1245.5% | 12.0% | · |
| NPB | $579M | 8.0 | 29.2% | 34.5% | 14.2% | · |
| BSRR | $434M | 10.5 | 2.5% | 27.3% | 11.8% | · |
| OBT | $382M | 8.6 | 18.1% | 32.7% | 15.5% | · |
| TFC | $62.13B | 12.9 | 53.0% | 26.1% | 8.2% | · |
Latest News Recent headlines mentioning this company
Trading Signals Recent buy/sell signals with entry price and risk/reward ratio
No open signal right now — no card is filled, and that's honest.
My Metrics Your personal watchlist — selected rows from Full Fundamentals
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Source: SEC 10-Q filed Aug 10, 2026