The headline miss is significant but partly one-time; monitor the conference call for clarity on the energy asset sale and expense trajectory. The core EPS of $1.06 suggests the franchise remains profitable, but the revenue decline and margin compression warrant caution. Watch for any guidance updates or changes in loan growth outlook.
Price Chart
Executive Summary
Bank7 Corp. reported Q2 2026 GAAP diluted EPS of $0.87, missing the $1.03 consensus by 15.5%, with net income declining 24.8% YoY to $8.35M. Revenue fell 6.3% YoY to $22.9M, driven by a non-recurring loss on the sale of energy assets and higher noninterest expenses. Core (non-GAAP) EPS was $1.06, suggesting underlying operations were stable, but the headline miss and revenue decline are negative.
Key Financial Metrics
Key Facts
- GAAP diluted EPS of $0.87 missed consensus of $1.03 by 15.5%
- Net income fell 24.8% YoY to $8.35 million
- Total revenue (net interest income + noninterest income) declined 6.3% YoY to $22.9 million
- Non-recurring loss on sale of energy assets depressed reported earnings; core EPS was $1.06
- Net interest margin compressed to 4.81% from 4.96% a year ago
- Noninterest expense rose 22.2% YoY to $11.89 million
- Capital ratios remain well above regulatory minimums (Tier 1 leverage 13.88%)
Financial Impact
EPS miss of $0.16 (15.5%) vs consensus; net income down $2.76M YoY
Risk Factors
- Further non-recurring charges or credit losses from energy portfolio
- Continued net interest margin compression if rate cuts materialize
- Elevated noninterest expense growth outpacing revenue
Market Snapshot
Investment Themes
Documents Analyzed
This report is based on 7 SEC documents filed with EDGAR.
| Document | Accession Number |
|---|---|
| 8-K Filing (Primary) | 0001140361-26-028609 |
| Document: ef20078094_ex99-2.htm | 0001140361-26-028609 |
| Document: ef20078094_8k.htm | 0001140361-26-028609 |
| Document: 0001140361-26-028609-index-headers.html | 0001140361-26-028609 |
| Document: 0001140361-26-028609-index.html | 0001140361-26-028609 |
| Document: 0001140361-26-028609.txt | 0001140361-26-028609 |
| 8-K Data (Synthetic) | 0001140361-26-028609 |
Filters
| Type | Now | ||||
|---|---|---|---|---|---|
Oct 20, 2026 6d ago | 144 | $57.72 | awaiting T+5 | — | $58.90 (+2.04%) |
Oct 15, 2026 12d ago | 8-K | $55.49 $58.80 | ▼ −5.96% | ▼ −6.98% | $58.90 (−6.15%) |
Oct 15, 2026 12d ago | Press Release | $55.49 $58.80 | ▲ +5.96% | ▲ +6.98% | $58.90 (+6.15%) |
Oct 9, 2026 17d ago | 8-K | $54.79 $58.14 | ▲ +6.11% | ▲ +8.08% | $58.90 (+7.50%) |
Oct 6, 2026 21d ago | Press Release | $55.68 $55.20 | ▼ −0.86% | ▼ −0.72% | $58.90 (+5.78%) |
Sep 17, 2026 5w ago | 8-K | $54.56 $55.29 | ▲ +1.34% | ▲ +0.74% | $58.90 (+7.95%) |
Sep 17, 2026 5w ago | Press Release | $54.56 $55.29 | ▲ +1.34% | ▲ +0.74% | $58.90 (+7.95%) |
Jul 23, 2026 13w ago | Insider Cluster | $50.40 $50.00 | ▼ −0.79% | ▼ −1.27% | $58.90 (+16.87%) |
Jul 23, 2026 13w ago | Insider Cluster | $50.40 $50.00 | ▼ −0.79% | ▼ −1.27% | $58.90 (+16.87%) |
Jul 23, 2026 13w ago | Insider Cluster | $50.40 $50.00 | ▼ −0.79% | ▼ −1.27% | $58.90 (+16.87%) |
US Market Status
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