The Century merger close on Nov 1 is the primary catalyst — watch for accretion details on the Nov 1 close and any post-merger integration updates. The QoQ earnings improvement is positive, but the YoY decline and NIM compression keep the read-through neutral-to-mixed. Monitor the post-merger combined NIM trajectory and core deposit growth in New Mexico.
Price Chart
Executive Summary
Bank7 Corp. reported Q3 2026 EPS of $1.06, a +1.0% beat vs $1.05 consensus, and net income of $10.2M (+22.25% QoQ). The headline beat is modest, but the sequential improvement in earnings and pre-provision pre-tax earnings (+23.65% QoQ) is notable. The pending Century merger, approved by regulators and shareholders, is expected to close Nov 1, 2026, adding New Mexico operations and core deposit leverage. Net interest margin compressed to 4.77% from 5.07% a year ago, and net income declined 5.9% YoY ($10.2M vs $10.8M), tempering the positive QoQ story.
Key Financial Metrics
Key Facts
- Q3 2026 EPS $1.06 vs consensus $1.05 (+1.0% beat)
- Net income $10.2M, +22.25% QoQ vs Q2 2026, but -5.9% YoY vs Q3 2025
- Pre-provision pre-tax earnings $13.62M, +23.65% QoQ
- Net interest margin 4.77% vs 5.07% a year ago (30 bps compression)
- Total loans $1.63B, +2.22% QoQ; total assets $2.01B, +4.84% QoQ
- Century merger received all regulatory approvals and shareholder approval; expected close Nov 1, 2026
- Bank's Tier 1 leverage ratio 14.12%, well above well-capitalized minimum
- No provision for credit losses in Q3 2026 (vs $700K in Q3 2025)
Financial Impact
EPS beat by $0.01 (+1.0%); net income up 22% QoQ but down 6% YoY; NIM compression of 30 bps YoY
Risk Factors
- Net interest margin compression (4.77% vs 5.07% a year ago) could pressure future earnings if rate environment persists
- YoY net income decline (-5.9% YoY) despite QoQ growth — the business is not accelerating YoY
- Merger integration risk: Century Financial integration may face execution or deposit retention challenges in new market
Investment Themes
Documents Analyzed
This report is based on 1 press release from GlobeNewswire.
| Document | Accession Number |
|---|---|
| PRESS-RELEASE Data (Synthetic) | press-prn-302909255 |
Filters
| Type | Now | ||||
|---|---|---|---|---|---|
Oct 20, 2026 6d ago | 144 | $57.72 | awaiting T+5 | — | $59.06 (+2.32%) |
Oct 15, 2026 12d ago | 8-K | $55.49 $58.80 | ▼ −5.96% | ▼ −6.98% | $59.06 (−6.43%) |
Oct 15, 2026 12d ago | Press Release | $55.49 $58.80 | ▲ +5.96% | ▲ +6.98% | $59.06 (+6.43%) |
Oct 9, 2026 17d ago | 8-K | $54.79 $58.14 | ▲ +6.11% | ▲ +8.08% | $59.06 (+7.79%) |
Oct 6, 2026 21d ago | Press Release | $55.68 $55.20 | ▼ −0.86% | ▼ −0.72% | $59.06 (+6.07%) |
Sep 17, 2026 5w ago | 8-K | $54.56 $55.29 | ▲ +1.34% | ▲ +0.74% | $59.06 (+8.25%) |
Sep 17, 2026 5w ago | Press Release | $54.56 $55.29 | ▲ +1.34% | ▲ +0.74% | $59.06 (+8.25%) |
Jul 23, 2026 13w ago | Insider Cluster | $50.40 $50.00 | ▼ −0.79% | ▼ −1.27% | $59.06 (+17.18%) |
Jul 23, 2026 13w ago | Insider Cluster | $50.40 $50.00 | ▼ −0.79% | ▼ −1.27% | $59.06 (+17.18%) |
Jul 23, 2026 13w ago | Insider Cluster | $50.40 $50.00 | ▼ −0.79% | ▼ −1.27% | $59.06 (+17.18%) |
US Market Status
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