The Century Financial merger closing on Nov 1 is the key catalyst — the 25%+ projected EPS accretion could offset the Q3 miss. Monitor the combined entity's NIM trajectory post-close and any integration costs in Q4.
Price Chart
Executive Summary
Bank7 Corp. reported Q3 2026 GAAP diluted EPS of $1.06 on net income of $10.20M, missing the $1.16 consensus estimate by 8.9%. Revenue (total interest income) of $31.93M also missed the $34.5M consensus. However, sequential QoQ results improved sharply (EPS +22%, net income +22%, pre-provision earnings +24%), and the company confirmed all regulatory and shareholder approvals for the accretive Century Financial acquisition, expected to close November 1, 2026.
Key Financial Metrics
Key Facts
- Q3 2026 GAAP diluted EPS of $1.06 missed consensus of $1.16 by 8.9%
- Total interest income of $31.93M missed consensus revenue estimate of $34.5M
- Net income of $10.20M was down 5.9% YoY from $10.84M in Q3 2025
- Net interest margin compressed to 4.77% from 5.07% a year ago
- Sequential QoQ improvement: EPS +22%, net income +22%, pre-provision earnings +24%
- Century Financial merger approved by regulators and shareholders, expected to close Nov 1, 2026 with 25%+ EPS accretion
- Credit quality remains excellent: NCOs of 4bps, NPAs/TL of 0.45%
- Capital levels well above well-capitalized thresholds: CET1 15.17%, Tier 1 leverage 14.12%
Financial Impact
EPS miss of ~$0.10 (8.9%) vs consensus; revenue miss of ~$2.6M (7.5%) vs consensus; net interest margin compression of 30bps YoY
Risk Factors
- Net interest margin compression of 30bps YoY to 4.77% could continue in a lower rate environment
- YoY net income decline of 5.9% despite sequential improvement
- Integration risk from Century Financial acquisition
Investment Themes
Documents Analyzed
This report is based on 7 SEC documents filed with EDGAR.
| Document | Accession Number |
|---|---|
| 8-K Filing (Primary) | 0001140361-26-039667 |
| Document: ef20083804_ex99-2.htm | 0001140361-26-039667 |
| Document: ef20083804_8k.htm | 0001140361-26-039667 |
| Document: 0001140361-26-039667-index-headers.html | 0001140361-26-039667 |
| Document: 0001140361-26-039667-index.html | 0001140361-26-039667 |
| Document: 0001140361-26-039667.txt | 0001140361-26-039667 |
| 8-K Data (Synthetic) | 0001140361-26-039667 |
Filters
| Type | Now | ||||
|---|---|---|---|---|---|
Oct 20, 2026 6d ago | 144 | $57.72 | awaiting T+5 | — | $58.70 (+1.70%) |
Oct 15, 2026 11d ago | 8-K | $55.49 $58.80 | ▼ −5.96% | ▼ −6.98% | $58.70 (−5.78%) |
Oct 15, 2026 11d ago | Press Release | $55.49 $58.80 | ▲ +5.96% | ▲ +6.98% | $58.70 (+5.78%) |
Oct 9, 2026 17d ago | 8-K | $54.79 $58.14 | ▲ +6.11% | ▲ +8.08% | $58.70 (+7.14%) |
Oct 6, 2026 20d ago | Press Release | $55.68 $55.20 | ▼ −0.86% | ▼ −0.72% | $58.70 (+5.42%) |
Sep 17, 2026 5w ago | 8-K | $54.56 $55.29 | ▲ +1.34% | ▲ +0.74% | $58.70 (+7.59%) |
Sep 17, 2026 5w ago | Press Release | $54.56 $55.29 | ▲ +1.34% | ▲ +0.74% | $58.70 (+7.59%) |
Jul 23, 2026 13w ago | Insider Cluster | $50.40 $50.00 | ▼ −0.79% | ▼ −1.27% | $58.70 (+16.47%) |
Jul 23, 2026 13w ago | Insider Cluster | $50.40 $50.00 | ▼ −0.79% | ▼ −1.27% | $58.70 (+16.47%) |
Jul 23, 2026 13w ago | Insider Cluster | $50.40 $50.00 | ▼ −0.79% | ▼ −1.27% | $58.70 (+16.47%) |
US Market Status
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