10-Q · May 11, 2026
Bank7 Corp.'s Q1 2026 performance showed significant growth in revenues and EPS compared to the previous periods, reflecting strong operational efficiency and a focus on strategic lending. Net interest income and…
Earnings analysis · 10-Q
BSVN earnings analysis
Filed August 10, 2026 · Our reading of the company's report
The latest report
Q2 performance was weaker than expected, with revenue of $22.907 million and EPS of $0.87 missing consensus by 5.0% and 16.4%, respectively. The filing does not provide quantitative guidance, segment results,…
Read full summary
Q2 performance was weaker than expected, with revenue of $22.907 million and EPS of $0.87 missing consensus by 5.0% and 16.4%, respectively. The filing does not provide quantitative guidance, segment results, balance-sheet detail, or cash-flow figures in the supplied text. The most material concern is that disclosure controls remained ineffective as of June 30, 2026, with 8 previously identified internal-control weakness areas still undergoing remediation; interest-rate sensitivity also remains significant.
Gross and operating margin
How much of each revenue dollar the business keeps.
One point per quarterly or annual filing. Both margins are shares of that report's revenue.
How we read each report
Our analysis across the last few reports.
Our model's reading of each filing, not the share price or the market's reaction. Annual and quarterly reports each occupy one position.
Reported figures
- Earnings per share
- $0.87
What stood out
-
Revenue and EPS missed estimates
Q2 revenue was $22.907 million versus the $24.1204 million consensus estimate, a 5.0% shortfall. Reported EPS was $0.87 versus the $1.04 estimate, a 16.4% miss.
-
Interest-rate risk is actively monitored
Management reported that interest-rate sensitivity was within established guidelines, while the June 30, 2026 simulation showed net interest income changing by 24.15% and fair value of equity by 22.72% under a +400-basis-point shock.
-
Internal-control remediation progressed
The company continued its control-remediation program during the quarter, including third-party consultant support, redesigned deposit-operation controls, reconciliation procedures, and enhanced IT general controls.
-
No share repurchases preserved capital
The company maintained capital flexibility through an authorized repurchase plan covering up to 750,000 shares; no shares were repurchased during the three months ended June 30, 2026.
What to watch
-
Material internal-control weaknesses remain
Disclosure controls and procedures were not effective as of June 30, 2026 because previously identified material weaknesses had not been fully remediated. The filing lists 8 weakness areas, including deposit operations, reconciliations, financial statement disclosures, segregation of duties, and IT general controls.
-
Earnings remain exposed to rates
The June 30, 2026 rate-sensitivity model indicates that a -200-basis-point shift would reduce estimated net interest income by 6.53%, while a +400-basis-point shift would increase it by 24.15%. Management cautions that model assumptions are inherently uncertain and actual results may differ.
-
No formal risk-factor refresh
The filing states that there were no material changes to the risk factors disclosed in the December 31, 2025 Form 10-K, limiting visibility into whether the existing risk framework has improved despite the unresolved control weaknesses.
Management's outlook
No quantitative revenue or EPS guidance was provided in the supplied 10-Q text; numeric outlook appears deferred to the earnings release or call.
Earlier filings 4
10-K · March 17, 2026
Bank7 Corp. grew its balance sheet to $1.96 billion of total assets with $1.61 billion of loans, $1.70 billion of deposits and $251.0 million of shareholders' equity as of December 31, 2025. The company reiterates a…
10-Q · May 15, 2024
Bank7 reported quarterly net income of $11.288 million and diluted EPS of $1.21 for Q1 2024, driven by higher net interest income of $22.010 million and a jump in noninterest income to $2.008 million. Loans grew…
10-K · March 25, 2024
Bank7 Corp. (Bank7) is a $1.77 billion-asset bank holding company focused on relationship-driven commercial banking with a concentrated footprint (twelve full-service branches across Oklahoma, Texas and Kansas). The…
This is our reading of a public filing, not the filing itself. Analysis can contain errors; check the source document for full context.