企業概要
Bank7 Corp. operates as a bank holding company that provides comprehensive banking and financial services to both individual and corporate clients through its subsidiary, Bank7. The firm functions within the Financial Services sector, specifically categorized under the Banks - Regional industry, which typically focuses on serving local communities with tailored deposit and lending products. As of the latest data, the company holds a market capitalization of $413.52M and employs a workforce of 125 individuals to support its operational activities. The annual revenue generated over the trailing twelve months stands at $95.68M, positioning the entity as a mid-sized regional player with a valuation that reflects its established presence in the local banking landscape.
財務健全性
The company reported a revenue of $95.68M and a net income of $43.07M for the trailing twelve months, while EBITDA data is not available in the provided records. The significant disparity between total revenue and net income, where net income constitutes nearly half of the revenue stream, indicates a highly efficient cost structure typical of banking operations with substantial fee-based income or favorable funding spreads. Although free cash flow metrics are not disclosed, the company maintains a robust cash position of $255.09M against a minimal debt load of $2.15M, suggesting ample financial flexibility for liquidity management or strategic deployment without immediate refinancing needs. The company's margin profile is characterized by a gross margin of 0.0%, an operating margin of 59.9%, and a profit margin of 45.0%, highlighting that the core cost of funds and direct lending expenses are fully absorbed within the gross calculation, leaving the remaining revenue to cover operating overheads and generate substantial net profits. In terms of liquidity, the current ratio is not reported, preventing a specific assessment of short-term asset coverage against liabilities, though the high cash-to-debt ratio implicitly suggests strong short-term solvency. The return on equity stands at 18.6% and the return on assets is 2.3%, metrics that reveal the management's effectiveness in leveraging shareholder capital to generate returns while maintaining a conservative asset yield profile relative to the total asset base.
バリュエーション評価
The stock exhibits a trailing P/E ratio of 9.65 and a forward P/E of 9.52, implying that the market expects earnings to remain relatively stable or grow at a modest pace that keeps valuation multiples nearly constant over the coming year. The price-to-book ratio is recorded at 1.64, indicating that the market values the company at a 64% premium over its tangible book value, which may reflect intangible assets, brand equity, or market confidence in the quality of its loan portfolio. Alternative valuation metrics include a price-to-sales ratio of 4.32, while the EV/EBITDA ratio is not applicable given the unavailable EBITDA data, suggesting that analysts rely more heavily on earnings and sales multiples rather than enterprise value measures for this specific financial institution. Regarding price momentum, the stock has traded between a 52-week low of $33.92 and a 52-week high of $50.10, and without the specific current share price, the exact percentage distance from these bounds cannot be calculated, but the range defines the recent volatility envelope for the security. The beta value is 0.94, which indicates that the stock's price volatility is slightly lower than the broader market, suggesting it behaves somewhat as a defensive position within the financial services sector during periods of market fluctuation.
Growth & Income
Over the past year, the company experienced a revenue growth rate of -0.1% and an earnings growth rate of -3.8%, revealing that earnings are declining at a faster pace than revenue, which points to potential margin compression or a one-time reduction in income that is not yet reflected in the top line. As a dividend payer, the company offers a dividend yield of 2.5% with a payout ratio of 22.7%, a low payout level that is highly sustainable given the current earnings generation and allows the firm to retain capital for internal growth or balance sheet strengthening. The modest decline in both revenue and earnings, combined with the conservative payout ratio, paints a picture of a mature regional bank prioritizing capital preservation over aggressive expansion or high dividend growth in the current cycle.