Bank7 Corp. (BSVN) vs Northpointe Bancshares, Inc. (NPB)

Bank7 Corp. and Northpointe Bancshares, Inc. are both Banks Regional companies. Bank7 Corp. and Northpointe Bancshares, Inc. are of similar size ($530.8M and $526.7M). Northpointe Bancshares, Inc. trades at the lower P/E: 6.5× against 12.6×. Northpointe Bancshares, Inc. grew revenue faster over the last twelve months: 19.7% against −0.23%. Bank7 Corp. has the higher net margin (30.4% vs 16.1%) and the higher return on invested capital (78.0% vs 4.38%). Across the 17 metrics below, Northpointe Bancshares, Inc. leads on 9 and Bank7 Corp. on 8.

Valuation

Metric BSVN NPB Banks Regional median
P/E 12.61 6.54 12.15
P/S 3.85 1.05 2.37
P/B 2.00 0.87 1.21
Price to free cash flow 10.81 5.20 10.80
EV/EBITDA n/m n/m —
EV/Sales 2.25 3.21 2.27
Earnings yield 7.93% 15.29% 8.11%
Free cash flow yield 9.25% 19.24% 8.98%

Profitability

Metric BSVN NPB Banks Regional median
Gross margin 71.17% 50.82% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 30.36% 16.10% 18.66%
Free cash flow margin 35.58% 20.29% 21.18%
Return on equity 16.85% 13.41% 10.64%
Return on assets 2.24% 1.17% 1.13%
Return on invested capital 77.98% 4.38% 8.33%

Growth

Metric BSVN NPB Banks Regional median
Revenue growth (TTM) (0.23%) 19.68% 6.61%
EPS growth (last fiscal year) (7.02%) 15.30% —
Revenue growth, 5-year CAGR 20.08% — 12.30%
Net income growth, 5-year CAGR 17.46% — 9.71%

Health

Metric BSVN NPB Banks Regional median
Debt to equity 0.00 2.66 0.22
Current ratio 1.11 1.40 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric BSVN NPB Banks Regional median
Dividend yield 3.14% — 3.75%
Payout ratio 0.16 — 0.27

Size

Metric BSVN NPB Banks Regional median
Market cap 526.68m 530.83m 921.07m

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