Bank7 (BSVN)
Market Price (8/9/2026): $50.57 | Market Cap: $480.0 MilSector: Financials | Industry: Regional Banks
Bank7 (BSVN)
Market Price (8/9/2026): $50.57Market Cap: $480.0 MilSector: FinancialsIndustry: Regional Banks
Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.
Attractive yieldTotal YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 11%, Dividend Yield is 2.0%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 7.0%, FCF Yield is 9.9% Cash is significant % of market capNet D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -59% Attractive cash flow generationCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 52%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 47% Low stock price volatilityVol 12M is 26% Megatrend and thematic driversMegatrends include Fintech & Digital Payments. Themes include Online Banking & Lending, and Digital Payments. | Trading close to highsDist 52W High is -2.4%, Dist 3Y High is -2.4% Weak multi-year price returns2Y Excs Rtn is -8.1% | Key risksBSVN key risks include [1] its geographic market concentration in Oklahoma, Show more. |
| Attractive yieldTotal YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 11%, Dividend Yield is 2.0%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 7.0%, FCF Yield is 9.9% |
| Cash is significant % of market capNet D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -59% |
| Attractive cash flow generationCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 52%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 47% |
| Low stock price volatilityVol 12M is 26% |
| Megatrend and thematic driversMegatrends include Fintech & Digital Payments. Themes include Online Banking & Lending, and Digital Payments. |
| Trading close to highsDist 52W High is -2.4%, Dist 3Y High is -2.4% |
| Weak multi-year price returns2Y Excs Rtn is -8.1% |
| Key risksBSVN key risks include [1] its geographic market concentration in Oklahoma, Show more. |
Qualitative Assessment
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Bank7 (BSVN) stock has gained about 20% since 4/30/2026 because of the following key factors:
1. Strategic Acquisition of Century Financial Services Corporation.
Bank7 announced an agreement on July 2, 2026, to acquire a controlling interest in Century Financial Services Corporation. This strategic move is anticipated to drive earnings accretion and geographic expansion, with the acquisition process expected to conclude around September 3, 2026, as indicated by management.
2. Robust Core Banking Performance and Strong Balance Sheet.
Despite a reported GAAP earnings per share (EPS) of $0.87 for fiscal Q2 2026 (ended June 30, 2026), which missed analyst estimates of $1.04, investors focused on the underlying strength of the bank. The core diluted EPS was $1.06 for the quarter. Bank7 demonstrated solid loan growth of 6.68%, with total loans reaching $1.60 billion, and increased total assets by 4.25% to $1.91 billion. Furthermore, the bank maintained strong asset quality with no provision for loan losses recorded and reported capital levels significantly above regulatory requirements, including a Tier 1 leverage ratio of 13.88% as of June 30, 2026.
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Bank7 (BSVN) stock has gained about 20% since 4/30/2026 because of the following key factors:
1. Strategic Acquisition of Century Financial Services Corporation.
Bank7 announced an agreement on July 2, 2026, to acquire a controlling interest in Century Financial Services Corporation. This strategic move is anticipated to drive earnings accretion and geographic expansion, with the acquisition process expected to conclude around September 3, 2026, as indicated by management.
2. Robust Core Banking Performance and Strong Balance Sheet.
Despite a reported GAAP earnings per share (EPS) of $0.87 for fiscal Q2 2026 (ended June 30, 2026), which missed analyst estimates of $1.04, investors focused on the underlying strength of the bank. The core diluted EPS was $1.06 for the quarter. Bank7 demonstrated solid loan growth of 6.68%, with total loans reaching $1.60 billion, and increased total assets by 4.25% to $1.91 billion. Furthermore, the bank maintained strong asset quality with no provision for loan losses recorded and reported capital levels significantly above regulatory requirements, including a Tier 1 leverage ratio of 13.88% as of June 30, 2026.
3. Non-Recurring Gain from Oil and Gas Asset Recovery.
Fiscal Q2 2026 results included a notable $3.7 million net gain from the successful disposition of oil and gas assets. This recovery exceeded initial expectations from assets originally acquired in fiscal Q4 2023 to offset previous loan losses, showcasing the bank's ability to maximize recoveries on distressed credits and positively impacting the quarter's results.
4. Positive Analyst Sentiment and Outlook.
Following the release of fiscal Q2 2026 earnings, analysts provided supportive commentary and raised price targets for Bank7. For instance, on July 17, 2026, Keefe, Bruyette & Woods increased their price target to $56 while maintaining a "Buy" rating. By July 30, 2026, the consensus average price target had risen to $58.50, reflecting a forecasted upside for the stock. This positive outlook was bolstered by management's constructive guidance for loan fundings, expected to double in fiscal Q3 2026, and projections for continued margin stability.
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Stock Movement Drivers
Fundamental Drivers
The 18.5% change in BSVN stock from 4/30/2026 to 8/8/2026 was primarily driven by a 14.5% change in the company's P/E Multiple.| (LTM values as of) | 4302026 | 8082026 | Change |
|---|---|---|---|
| Stock Price ($) | 42.69 | 50.57 | 18.5% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 96 | 100 | 3.7% |
| Net Income Margin (%) | 44.7% | 44.8% | 0.2% |
| P/E Multiple | 9.4 | 10.7 | 14.5% |
| Shares Outstanding (Mil) | 9 | 9 | -0.4% |
| Cumulative Contribution | 18.5% |
Market Drivers
4/30/2026 to 8/8/2026| Return | Correlation | |
|---|---|---|
| BSVN | 18.5% | |
| Market (SPY) | 7.6% | -2.0% |
| Sector (XLF) | 10.5% | 39.5% |
Fundamental Drivers
The 15.3% change in BSVN stock from 1/31/2026 to 8/8/2026 was primarily driven by a 12.3% change in the company's P/E Multiple.| (LTM values as of) | 1312026 | 8082026 | Change |
|---|---|---|---|
| Stock Price ($) | 43.87 | 50.57 | 15.3% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 96 | 100 | 3.7% |
| Net Income Margin (%) | 45.0% | 44.8% | -0.5% |
| P/E Multiple | 9.6 | 10.7 | 12.3% |
| Shares Outstanding (Mil) | 9 | 9 | -0.4% |
| Cumulative Contribution | 15.3% |
Market Drivers
1/31/2026 to 8/8/2026| Return | Correlation | |
|---|---|---|
| BSVN | 15.3% | |
| Market (SPY) | 12.1% | 13.3% |
| Sector (XLF) | 8.3% | 43.5% |
Fundamental Drivers
The 17.0% change in BSVN stock from 7/31/2025 to 8/8/2026 was primarily driven by a 17.9% change in the company's P/E Multiple.| (LTM values as of) | 7312025 | 8082026 | Change |
|---|---|---|---|
| Stock Price ($) | 43.21 | 50.57 | 17.0% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 96 | 100 | 4.1% |
| Net Income Margin (%) | 46.6% | 44.8% | -3.9% |
| P/E Multiple | 9.1 | 10.7 | 17.9% |
| Shares Outstanding (Mil) | 9 | 9 | -0.7% |
| Cumulative Contribution | 17.0% |
Market Drivers
7/31/2025 to 8/8/2026| Return | Correlation | |
|---|---|---|
| BSVN | 17.0% | |
| Market (SPY) | 23.4% | 21.8% |
| Sector (XLF) | 11.3% | 47.5% |
Fundamental Drivers
The 107.2% change in BSVN stock from 7/31/2023 to 8/8/2026 was primarily driven by a 58.9% change in the company's P/E Multiple.| (LTM values as of) | 7312023 | 8082026 | Change |
|---|---|---|---|
| Stock Price ($) | 24.41 | 50.57 | 107.2% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 78 | 100 | 27.9% |
| Net Income Margin (%) | 42.3% | 44.8% | 5.8% |
| P/E Multiple | 6.8 | 10.7 | 58.9% |
| Shares Outstanding (Mil) | 9 | 9 | -3.6% |
| Cumulative Contribution | 107.2% |
Market Drivers
7/31/2023 to 8/8/2026| Return | Correlation | |
|---|---|---|
| BSVN | 107.2% | |
| Market (SPY) | 74.9% | 34.7% |
| Sector (XLF) | 70.4% | 47.8% |
Price Returns Compared
| 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | Total [1] | |
|---|---|---|---|---|---|---|---|
| Returns | |||||||
| BSVN Return | 66% | 14% | 10% | 75% | -10% | 24% | 307% |
| Peers Return | 31% | -4% | -8% | 23% | 1% | 18% | 72% |
| S&P 500 Return | 27% | -19% | 24% | 23% | 16% | 13% | 105% |
Monthly Win Rates [3] | |||||||
| BSVN Win Rate | 75% | 67% | 50% | 67% | 33% | 75% | |
| Peers Win Rate | 63% | 45% | 45% | 57% | 57% | 60% | |
| S&P 500 Win Rate | 75% | 42% | 67% | 75% | 67% | 50% | |
Max Drawdowns [4] | |||||||
| BSVN Max Drawdown | -19% | -18% | -31% | -13% | -25% | -16% | |
| Peers Max Drawdown | -22% | -29% | -37% | -15% | -24% | -13% | |
| S&P 500 Max Drawdown | -5% | -25% | -10% | -8% | -19% | -9% | |
[1] Cumulative total returns since the beginning of 2021
[2] Peers: FFIN, PB, CFR, BOKF, TCBI.
[3] Win Rate = % of calendar months in which monthly returns were positive
[4] Max drawdown represents maximum peak-to-trough decline within a year
[5] 2026 data is for the year up to 8/7/2026 (YTD)
How Low Can It Go
| Event | BSVN | S&P 500 |
|---|---|---|
| 2025 US Tariff Shock | ||
| % Loss | -18.8% | -18.8% |
| % Gain to Breakeven | 23.2% | 23.1% |
| Time to Breakeven | 81 days | 79 days |
| Summer-Fall 2023 Five Percent Yield Shock | ||
| % Loss | -22.2% | -9.5% |
| % Gain to Breakeven | 28.5% | 10.5% |
| Time to Breakeven | 43 days | 24 days |
| 2023 SVB Regional Banking Crisis | ||
| % Loss | -24.6% | -6.7% |
| % Gain to Breakeven | 32.6% | 7.1% |
| Time to Breakeven | 376 days | 31 days |
| 2020 COVID-19 Crash | ||
| % Loss | -68.6% | -33.7% |
| % Gain to Breakeven | 218.6% | 50.9% |
| Time to Breakeven | 352 days | 140 days |
| Q4 2018 Fed Policy Error / Growth Scare | ||
| % Loss | -36.9% | -19.2% |
| % Gain to Breakeven | 58.6% | 23.8% |
| Time to Breakeven | 313 days | 105 days |
In The Past
Bank7's stock fell -18.8% during the 2025 US Tariff Shock. Such a loss loss requires a 23.2% gain to breakeven.
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Asset Allocation
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| Event | BSVN | S&P 500 |
|---|---|---|
| Summer-Fall 2023 Five Percent Yield Shock | ||
| % Loss | -22.2% | -9.5% |
| % Gain to Breakeven | 28.5% | 10.5% |
| Time to Breakeven | 43 days | 24 days |
| 2023 SVB Regional Banking Crisis | ||
| % Loss | -24.6% | -6.7% |
| % Gain to Breakeven | 32.6% | 7.1% |
| Time to Breakeven | 376 days | 31 days |
| 2020 COVID-19 Crash | ||
| % Loss | -68.6% | -33.7% |
| % Gain to Breakeven | 218.6% | 50.9% |
| Time to Breakeven | 352 days | 140 days |
| Q4 2018 Fed Policy Error / Growth Scare | ||
| % Loss | -36.9% | -19.2% |
| % Gain to Breakeven | 58.6% | 23.8% |
| Time to Breakeven | 313 days | 105 days |
In The Past
Bank7's stock fell -18.8% during the 2025 US Tariff Shock. Such a loss loss requires a 23.2% gain to breakeven.
Preserve Wealth
Limiting losses and compounding gains is essential to preserving wealth.
Asset Allocation
Actively managed asset allocation strategies protect wealth. Learn more.
About Bank7 (BSVN)
Bank7 Corp. (BSVN) is a bank holding company that operates Bank7, providing comprehensive banking and financial services. The company caters to a diverse clientele, including individual consumers and various corporate customers. Its core business involves facilitating deposits and offering a range of lending solutions.
Bank7 offers a variety of deposit services, spanning both commercial and retail needs. Commercial clients can access checking, money market, and other business deposit accounts, while individual customers benefit from certificates of deposit, money market accounts, checking accounts, savings accounts, and ATM access. On the lending side, Bank7 specializes in commercial real estate, hospitality, energy, and general commercial and industrial (C&I) loans. It also provides consumer lending options for individuals, including secured and unsecured term loans, and home improvement loans.
Headquartered in Oklahoma City, Oklahoma, Bank7 has a well-established presence across the Southern Plains. As of March 2022, it operated through a network of twelve full-service branches located in Oklahoma, the Dallas/Fort Worth, Texas metropolitan area, and Kansas, serving its regional customer base effectively.
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Here are 1-3 brief analogies for Bank7:
- Bank7 is like a regional U.S. Bank, serving the Oklahoma, Texas, and Kansas areas.
- Think of Bank7 as a smaller, community-oriented Frost Bank, focused on the Central Plains region.
- Bank7 operates similarly to a regional Comerica Bank, providing commercial and retail banking services across Oklahoma, Texas, and Kansas.
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- Commercial Deposit Accounts: Provides checking, money market, and other deposit accounts tailored for businesses.
- Retail Deposit Accounts: Offers a variety of accounts for individuals, including certificates of deposit, money market, checking, NOW, and savings accounts, along with ATM access.
- Commercial Loans: Extends financing services for commercial real estate, hospitality, energy, and general commercial and industrial purposes.
- Consumer Loans: Provides secured and unsecured term loans, and home improvement loans for personal and household needs.
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Bank7 Corp. (BSVN) provides banking and financial services to both individual and corporate customers. Due to the nature of banking and client confidentiality, specific major corporate customers are not publicly disclosed. Therefore, its major customer base is best described through the following categories:
- Individual Consumers: This category includes individuals and households who utilize Bank7's retail deposit services (such as certificates of deposit, money market accounts, checking accounts, savings accounts, and ATM access) and consumer lending services (including secured and unsecured term loans, and home improvement loans).
- General Commercial and Industrial Businesses: This category encompasses a broad range of corporate customers that engage with Bank7 for commercial deposit services (like commercial checking, money market, and other deposit accounts) and commercial and industrial lending services for their operational and growth needs.
- Specialized Commercial Sector Businesses: Bank7 actively serves corporate customers in specific industry sectors through its specialized lending services. These include businesses involved in commercial real estate, hospitality, and energy, requiring financial solutions tailored to their industry needs.
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Thomas Travis, President and Chief Executive Officer
Mr. Travis was appointed CEO in January 2018 and has served on the company board since 2018 and the bank board since 2014. He brings over 40 years of banking experience across Texas and Oklahoma. His experience includes oversight of major commercial banking functions, insurance, derivative management, investment portfolio management, and extensive experience negotiating and integrating numerous bank merger transactions. Previously, he was President of Bank7 (the bank subsidiary) from 2014-2022, where he led commercial banking, an insurance agency, a swap desk, co-managed a multi-billion MBS portfolio, and negotiated/closed/integrated eight M&A transactions. Prior to joining Bank7, he managed commercial banking functions and held broad operating and market leadership roles at IBC Bank (Texas-based) in Texas and Oklahoma from 1991-2014.
Kelly Harris, Executive Vice President and Chief Financial Officer
Kelly Harris serves as the Executive Vice President and Chief Financial Officer. Information regarding founding or managing other companies, selling companies, or a pattern of managing companies backed by private equity firms was not readily available in the search results.
William B. "Brad" Haines, Chairman of the Board
Mr. Haines is the founder of Bank7 Corp. and has served as Chairman of the board of directors of the Company since its inception in 2004 and the Bank since the Company acquired it in 2004. He previously served as Chief Executive Officer of the Bank from 2004 until 2014. Mr. Haines has owned and operated various private companies in the construction, real estate, ranching, aerospace, aviation, energy, and finance industries. He is also the founder and owner of Haines Capital Group, where he has served as Chief Executive Officer since 1999.
Jason Estes, President
Mr. Estes was promoted to President of Bank7 (the lead subsidiary of Bank7 Corp.) in December 2022. He has over 20 years of experience in the Oklahoma banking community. Prior to his promotion, he was Executive Vice President and Commercial Loan Manager for Bank7.
John T. Phillips, Senior Executive Vice President, Chief Operating Officer and Secretary
Mr. Phillips has served on the board of directors of the Company and Bank since 2004. He has been Senior Executive Vice President and Chief Operating Officer of the Bank since 2015 and Secretary of the Company since 2004. He previously served as President of the Company from 2004 to 2018 and as Chief Financial Officer of the Bank from 2004 to 2015. Mr. Phillips has also served as the Chief Financial Officer of Haines Capital Group since 2003 and as an executive and director of various construction, real estate, ranching, aerospace, aviation, energy, and finance companies.
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Key Risks for Bank7 (BSVN)
1. Net Interest Margin (NIM) Compression and Interest Rate Risk: Bank7 faces a significant risk of its net interest margin (NIM) compressing, which directly impacts profitability. Analysts project a notable decline in the bank's net profit margin over the next three years. While Bank7's variable-rate loan portfolio is positioned to benefit from a declining interest rate environment, the CFO has expressed concerns that NIM could dip to historical lows due to potential rate cuts. The bank also anticipates a slight degradation in NIM as it needs to attract higher-cost deposits to fund loan growth. Changes in economic conditions directly affect interest rates, which are a primary driver of a bank's net interest income.
2. Intense Market Competition and Deposit Pricing Pressure: Bank7 operates in competitive markets, facing pressure from both larger financial institutions with greater resources and other local banks. This intense competition, particularly for deposits, leads to increased deposit pricing pressure. This dynamic forces the bank to offer higher interest rates on deposits to attract and retain customers, which directly contributes to higher funding costs and further compresses its net interest margin.
3. Concentration and Credit Risk in Specific Lending Sectors: While Bank7 generally exhibits strong loan growth and asset quality, it has notable exposure to specific lending sectors, including commercial real estate, hospitality, and energy. The company has acknowledged and is actively restricting certain segments, specifically in the hospitality and energy sectors, to mitigate potential risks. Furthermore, anticipated declines in oil and gas-related revenue have led to reduced expectations for the bank's core fee income. A downturn in any of these concentrated sectors, particularly in its operating regions of Oklahoma, Texas, and Kansas, could lead to increased loan defaults and impact the bank's asset quality and financial performance.
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The clear emerging threat for Bank7 is the increasing competition from digital-only banks and financial technology (fintech) companies. These entities operate with lower overhead costs, offer more competitive rates, and provide superior mobile-first user experiences, challenging traditional branch-based banks like Bank7 in attracting and retaining deposit customers and in certain lending segments.
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Bank7 Corp. (BSVN) is anticipated to drive future revenue growth over the next two to three years through several key strategies:
- Loan Growth: Bank7 has demonstrated consistent loan growth, with expectations for continued expansion, albeit at a modest pace. The company's ability to increase its loan portfolio, as evidenced by a 4.71% increase in total loans compared to the previous year, is a fundamental driver of interest income and overall revenue.
- Net Interest Margin (NIM) Management: Maintaining a strong net interest margin is crucial for profitability. Bank7 has a history of disciplined balance sheet management and aims to keep its NIM within historical ranges, contributing to effective revenue generation despite potential market pressures.
- Strategic Acquisitions and Mergers: The company actively explores strategic acquisitions, including potential mergers of equals (MOE) opportunities. These acquisitions are intended to align with Bank7's core deposit strategy and fundamental banking principles, leveraging excess capital for future expansion.
- Organic Deposit Growth and Broad-Based Relationships: A focus on long-term and broad-based deposit relationships is a cornerstone of Bank7's success. Sustained organic deposit growth strengthens the bank's funding base for lending activities and contributes to overall financial stability and revenue.
- Expansion within Target Markets: Bank7 plans to grow organically by selectively opening additional branches in its target markets, particularly within the Dallas/Fort Worth, Texas metropolitan area, where it already has a presence. This expansion deepens its market penetration and customer base.
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Share Repurchases
- Bank7 Corp. renewed its stock repurchase program on August 25, 2025, authorizing the purchase of up to 750,000 shares of its outstanding common stock over a two-year term.
- As of August 25, 2025, there were 750,000 shares available to be repurchased under the program.
Share Issuance
- On December 9, 2021, a secondary offering of 1,000,000 shares of Bank7 Corp.'s common stock was priced at $22.00 per share by its principal shareholder, the William B. Haines Financial Services Trust. Bank7 Corp. did not sell any shares in this offering and did not receive any proceeds from the sale, though it covered associated costs.
- The number of shares outstanding slightly increased from 9.198 million in 2023 to 9.463 million in 2025.
Outbound Investments
- Bank7 acquired First American Mortgage, Inc., a residential mortgage lending services provider, on February 28, 2025, to enhance its mortgage division.
- Bank7 Corp. completed the acquisition of Watonga Bancshares, Inc., the holding company of Cornerstone Bank, on December 10, 2021. This acquisition added three branches, increased total assets by $254 million to $1.4 billion, total deposits by $228 million to $1.2 billion, and total loans by $118 million to $1 billion as of September 30, 2021.
Capital Expenditures
- Specific dollar values for capital expenditures for Bank7 Corp. are not readily available in the provided information for the 2021-2025 period.
Latest Trefis Analyses
| Title | Date | |
|---|---|---|
| DASHBOARDS | ||
| Is Bank7 Stock Built to Withstand a Pullback? | 10/17/2025 |
| Title | |
|---|---|
| ARTICLES |
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Peer Comparisons
| Peers to compare with: |
Financials
| Median | |
|---|---|
| Name | |
| Mkt Price | 86.64 |
| Mkt Cap | 6.2 |
| Rev LTM | 1,330 |
| Op Inc LTM | - |
| FCF LTM | 506 |
| FCF 3Y Avg | 413 |
| CFO LTM | 554 |
| CFO 3Y Avg | 493 |
Growth & Margins
| Median | |
|---|---|
| Name | |
| Rev Chg LTM | 12.2% |
| Rev Chg 3Y Avg | 7.3% |
| Rev Chg Q | 10.0% |
| QoQ Delta Rev Chg LTM | 2.4% |
| Op Inc Chg LTM | - |
| Op Inc Chg 3Y Avg | - |
| Op Mgn LTM | - |
| Op Mgn 3Y Avg | - |
| QoQ Delta Op Mgn LTM | - |
| CFO/Rev LTM | 49.2% |
| CFO/Rev 3Y Avg | 49.3% |
| FCF/Rev LTM | 45.8% |
| FCF/Rev 3Y Avg | 45.8% |
Price Behavior
| Market Price | $50.57 | |
| Market Cap ($ Bil) | 0.5 | |
| First Trading Date | 09/20/2018 | |
| Distance from 52W High | -2.4% | |
| 50 Days | 200 Days | |
| DMA Price | $48.19 | $43.47 |
| DMA Trend | up | up |
| Distance from DMA | 4.9% | 16.3% |
| 3M | 1YR | |
| Volatility | 26.7% | 26.3% |
| Downside Capture | 1.56 | 46.48 |
| Upside Capture | 65.97 | 53.32 |
| Correlation (SPY) | -4.4% | 20.5% |
| 1M | 2M | 3M | 6M | 1Y | 3Y | |
|---|---|---|---|---|---|---|
| Beta | 0.12 | -0.29 | -0.09 | 0.23 | 0.44 | 0.72 |
| Up Beta | -0.01 | -0.90 | -0.53 | 0.00 | 0.44 | 0.70 |
| Down Beta | -2.44 | -1.13 | -0.94 | -0.51 | 0.21 | 0.77 |
| Up Capture | 120% | 68% | 71% | 62% | 46% | 52% |
| Bmk +ve Days | 11 | 22 | 35 | 67 | 138 | 427 |
| Stock +ve Days | 13 | 26 | 37 | 67 | 132 | 374 |
| Down Capture | 79% | -21% | 1% | 48% | 60% | 85% |
| Bmk -ve Days | 11 | 21 | 28 | 59 | 114 | 326 |
| Stock -ve Days | 9 | 16 | 25 | 57 | 117 | 370 |
[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
Based On 1-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with BSVN | |
|---|---|---|---|---|
| BSVN | 18.4% | 26.3% | 0.61 | - |
| Sector ETF (XLF) | 12.3% | 14.6% | 0.57 | 46.7% |
| Equity (SPY) | 23.3% | 12.8% | 1.36 | 20.4% |
| Gold (GLD) | 28.5% | 28.4% | 0.87 | -2.5% |
| Commodities (DBC) | 32.9% | 19.8% | 1.32 | -18.1% |
| Real Estate (VNQ) | 14.2% | 13.8% | 0.72 | 33.6% |
| Bitcoin (BTCUSD) | -43.7% | 43.0% | -1.21 | 12.9% |
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Based On 5-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with BSVN | |
|---|---|---|---|---|
| BSVN | 23.4% | 35.0% | 0.67 | - |
| Sector ETF (XLF) | 11.4% | 18.4% | 0.48 | 43.5% |
| Equity (SPY) | 13.5% | 17.2% | 0.61 | 34.8% |
| Gold (GLD) | 18.6% | 18.6% | 0.81 | -0.1% |
| Commodities (DBC) | 8.2% | 19.6% | 0.31 | 3.3% |
| Real Estate (VNQ) | 2.3% | 18.9% | 0.02 | 33.4% |
| Bitcoin (BTCUSD) | 9.0% | 53.0% | 0.36 | 19.8% |
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Based On 10-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with BSVN | |
|---|---|---|---|---|
| BSVN | 12.0% | 46.5% | 0.48 | - |
| Sector ETF (XLF) | 13.6% | 22.1% | 0.56 | 47.0% |
| Equity (SPY) | 15.4% | 17.9% | 0.73 | 38.1% |
| Gold (GLD) | 12.1% | 16.2% | 0.61 | -0.9% |
| Commodities (DBC) | 7.4% | 18.0% | 0.33 | 15.6% |
| Real Estate (VNQ) | 4.8% | 20.7% | 0.20 | 37.3% |
| Bitcoin (BTCUSD) | 58.4% | 66.2% | 0.98 | 20.6% |
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Returns Analyses
Earnings Returns History
Updated 7/26/2026| Forward Returns | |||
|---|---|---|---|
| Earnings Date | 1D Returns | 5D Returns | 21D Returns |
| 7/16/2026 | -2.5% | -6.9% | |
| 4/14/2026 | 2.4% | 2.1% | -1.6% |
| 1/15/2026 | 1.3% | 2.4% | 1.8% |
| 10/15/2025 | 0.6% | -6.0% | -8.6% |
| 7/17/2025 | 1.9% | 6.0% | 0.9% |
| 4/10/2025 | -4.8% | -4.5% | 0.5% |
| 1/16/2025 | -3.2% | -6.7% | -6.1% |
| 10/11/2024 | 6.7% | 17.3% | 19.6% |
| ... | |||
| SUMMARY STATS | |||
| # Positive | 18 | 18 | 21 |
| # Negative | 7 | 7 | 3 |
| Median Positive | 2.2% | 6.1% | 7.9% |
| Median Negative | -3.0% | -4.5% | -6.1% |
| Max Positive | 6.9% | 17.3% | 38.4% |
| Max Negative | -4.8% | -6.9% | -8.6% |
| Forward Returns | |||
|---|---|---|---|
| Earnings Date | 1D Returns | 5D Returns | 21D Returns |
| 7/16/2026 | -2.5% | -6.9% | |
| 4/14/2026 | 2.4% | 2.1% | -1.6% |
| 1/15/2026 | 1.3% | 2.4% | 1.8% |
| 10/15/2025 | 0.6% | -6.0% | -8.6% |
| 7/17/2025 | 1.9% | 6.0% | 0.9% |
| 4/10/2025 | -4.8% | -4.5% | 0.5% |
| 1/16/2025 | -3.2% | -6.7% | -6.1% |
| 10/11/2024 | 6.7% | 17.3% | 19.6% |
| 7/11/2024 | 5.6% | 14.2% | 20.1% |
| 4/12/2024 | 2.1% | 1.6% | 7.9% |
| 1/29/2024 | 6.9% | 10.3% | 8.0% |
| 10/26/2023 | -4.2% | -4.5% | 13.4% |
| 7/20/2023 | -1.2% | 14.1% | 6.7% |
| 4/27/2023 | 3.2% | 3.4% | 1.8% |
| 1/26/2023 | -3.0% | 1.5% | 5.7% |
| 10/26/2022 | 5.4% | 6.3% | 10.5% |
| 7/27/2022 | 6.5% | 9.5% | 10.7% |
| 4/26/2022 | 0.3% | 7.3% | 7.9% |
| 1/28/2022 | 1.7% | 0.7% | 4.2% |
| 10/21/2021 | 0.6% | -3.1% | 2.0% |
| 7/29/2021 | -2.3% | 7.3% | 6.7% |
| 4/29/2021 | 0.4% | -0.6% | 4.4% |
| 1/29/2021 | 5.5% | 8.8% | 10.2% |
| 10/29/2020 | 0.4% | 2.7% | 38.4% |
| 7/27/2020 | 5.3% | 4.3% | 10.5% |
| SUMMARY STATS | |||
| # Positive | 18 | 18 | 21 |
| # Negative | 7 | 7 | 3 |
| Median Positive | 2.2% | 6.1% | 7.9% |
| Median Negative | -3.0% | -4.5% | -6.1% |
| Max Positive | 6.9% | 17.3% | 38.4% |
| Max Negative | -4.8% | -6.9% | -8.6% |
SEC Filings
Expand for More| Report Date | Filing Date | Filing |
|---|---|---|
| 03/31/2026 | 05/11/2026 | 10-Q |
| 12/31/2025 | 03/17/2026 | 10-K |
| 09/30/2025 | 11/07/2025 | 10-Q |
| 06/30/2025 | 08/07/2025 | 10-Q |
| 03/31/2025 | 05/12/2025 | 10-Q |
| 12/31/2024 | 03/12/2025 | 10-K |
| 09/30/2024 | 11/05/2024 | 10-Q |
| 06/30/2024 | 08/08/2024 | 10-Q |
| 03/31/2024 | 05/15/2024 | 10-Q |
| 12/31/2023 | 03/25/2024 | 10-K |
| 09/30/2023 | 11/09/2023 | 10-Q |
| 06/30/2023 | 08/09/2023 | 10-Q |
| 03/31/2023 | 05/15/2023 | 10-Q |
| 12/31/2022 | 03/24/2023 | 10-K |
| 09/30/2022 | 11/14/2022 | 10-Q |
| 06/30/2022 | 08/15/2022 | 10-Q |
| Report Date | Filing Date | Filing |
|---|---|---|
| 03/31/2026 | 05/11/2026 | 10-Q |
| 12/31/2025 | 03/17/2026 | 10-K |
| 09/30/2025 | 11/07/2025 | 10-Q |
| 06/30/2025 | 08/07/2025 | 10-Q |
| 03/31/2025 | 05/12/2025 | 10-Q |
| 12/31/2024 | 03/12/2025 | 10-K |
| 09/30/2024 | 11/05/2024 | 10-Q |
| 06/30/2024 | 08/08/2024 | 10-Q |
| 03/31/2024 | 05/15/2024 | 10-Q |
| 12/31/2023 | 03/25/2024 | 10-K |
| 09/30/2023 | 11/09/2023 | 10-Q |
| 06/30/2023 | 08/09/2023 | 10-Q |
| 03/31/2023 | 05/15/2023 | 10-Q |
| 12/31/2022 | 03/24/2023 | 10-K |
| 09/30/2022 | 11/14/2022 | 10-Q |
| 06/30/2022 | 08/15/2022 | 10-Q |
| 03/31/2022 | 05/13/2022 | 10-Q |
| 12/31/2021 | 03/31/2022 | 10-K |
| 09/30/2021 | 11/05/2021 | 10-Q |
| 06/30/2021 | 08/13/2021 | 10-Q |
| 03/31/2021 | 05/11/2021 | 10-Q |
| 12/31/2020 | 03/25/2021 | 10-K |
| 09/30/2020 | 11/16/2020 | 10-Q |
| 06/30/2020 | 08/14/2020 | 10-Q |
| 03/31/2020 | 05/14/2020 | 10-Q |
| 12/31/2019 | 03/30/2020 | 10-K |
| 09/30/2019 | 11/14/2019 | 10-Q |
| 06/30/2019 | 08/13/2019 | 10-Q |
Insider Activity
Updated 8/4/2026| # | Owner | Title | Holding | Action | Filing Date | Price | Shares | Transacted Value | Value of Held Shares | Form |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | Estes, Jason E | Exec. Vice President; CCO | Direct | Sell | 8042026 | 50.17 | 2,077 | 104,205 | 5,209,725 | Form |
| 2 | Estes, Jason E | Exec. Vice President; CCO | Direct | Sell | 8042026 | 51.25 | 400 | 20,500 | 5,428,246 | Form |
| 3 | Travis, Thomas L | President & CEO | Direct | Sell | 7222026 | 48.01 | 6,500 | 312,068 | 12,751,610 | Form |
| 4 | Estes, Jason E | Exec. Vice President; CCO | Direct | Sell | 7222026 | 48.25 | 1,824 | 88,011 | 4,828,731 | Form |
| 5 | Estes, Jason E | Exec. Vice President; CCO | Direct | Sell | 7222026 | 49.51 | 3,225 | 159,658 | 5,044,583 | Form |
| # | Owner | Title | Holding | Action | Filing Date | Price | Shares | Transacted Value | Value of Held Shares | Form |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | Estes, Jason E | Exec. Vice President; CCO | Direct | Sell | 8042026 | 50.17 | 2,077 | 104,205 | 5,209,725 | Form |
| 2 | Estes, Jason E | Exec. Vice President; CCO | Direct | Sell | 8042026 | 51.25 | 400 | 20,500 | 5,428,246 | Form |
| 3 | Travis, Thomas L | President & CEO | Direct | Sell | 7222026 | 48.01 | 6,500 | 312,068 | 12,751,610 | Form |
| 4 | Estes, Jason E | Exec. Vice President; CCO | Direct | Sell | 7222026 | 48.25 | 1,824 | 88,011 | 4,828,731 | Form |
| 5 | Estes, Jason E | Exec. Vice President; CCO | Direct | Sell | 7222026 | 49.51 | 3,225 | 159,658 | 5,044,583 | Form |
| 6 | Haines, Douglas A | Reg. Pres. of West. OK & KS | Direct | Sell | 5282026 | 44.07 | 1,000 | 44,074 | 733,700 | Form |
| 7 | Mathews, Darrell Lee JR | Executive Vice President | Direct | Sell | 5052026 | 43.00 | 1,000 | 43,002 | 279,382 | Form |
| 8 | Travis, Thomas L | President & CEO | Direct | Sell | 3092026 | 40.00 | 6,000 | 240,000 | 10,884,040 | Form |
| 9 | Harris, Kelly J | EVP; CFO | Direct | Sell | 2042026 | 45.75 | 4,500 | 205,867 | 583,565 | Form |
| 10 | Harris, Kelly J | EVP; CFO | Direct | Sell | 9032025 | 48.38 | 3,312 | 160,244 | 850,718 | Form |
| 11 | Harris, Kelly J | EVP; CFO | Direct | Sell | 9032025 | 49.28 | 1,688 | 83,184 | 1,029,695 | Form |
| 12 | Travis, Thomas L | President & CEO | Direct | Sell | 8262025 | 49.36 | 13,084 | 645,782 | 14,130,449 | Form |
Industry Resources
| Financials Resources |
| Federal Reserve Economic Data |
| Federal Reserve |
| FDIC Data |
| American Banker |
| The Banker |
| Banking Technology |
| Regional Banks Resources |
| Bank Director |
| Independent Banker |
| S&P Global Market Intelligence |
External Quote Links
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| MarketWatch | Unusual Whales |
| YCharts | Perplexity Finance |
| FinViz |
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