Bank7 Corp. (BSVN) vs Southern First Bancshares, Inc. (SFST)

Bank7 Corp. and Southern First Bancshares, Inc. are both Banks Regional companies. Bank7 Corp. and Southern First Bancshares, Inc. are of similar size ($561.9M and $556.7M). Southern First Bancshares, Inc. trades at the lower P/E: 12.0× against 13.2×. Southern First Bancshares, Inc. grew revenue faster over the last twelve months: 8.99% against −0.23%. Bank7 Corp. has the higher net margin (30.4% vs 17.9%) and the higher return on invested capital (78.0% vs 11.0%). Across the 18 metrics below, Bank7 Corp. leads on 12 and Southern First Bancshares, Inc. on 6.

Valuation

Metric BSVN SFST Banks Regional median
P/E 13.17 11.97 12.02
P/S 4.02 2.33 2.36
P/B 2.09 1.21 1.23
Price to free cash flow 11.29 12.22 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 7.59% 8.35% 8.21%
Free cash flow yield 8.86% 8.18% 9.23%

Profitability

Metric BSVN SFST Banks Regional median
Gross margin 71.17% 57.75% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 30.36% 17.93% 18.82%
Free cash flow margin 35.58% 19.03% 17.97%
Return on equity 16.85% 10.55% 10.28%
Return on assets 2.24% 0.93% 1.13%
Return on invested capital 77.98% 10.99% 8.45%

Growth

Metric BSVN SFST Banks Regional median
Revenue growth (TTM) (0.23%) 8.99% 6.37%
EPS growth (last fiscal year) (7.02%) 96.34% 18.85%
Revenue growth, 5-year CAGR 20.08% 12.95% 12.65%
Net income growth, 5-year CAGR 17.46% 10.63% 9.81%

Health

Metric BSVN SFST Banks Regional median
Debt to equity 0.00 0.55 0.17
Current ratio 1.11 1.10 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric BSVN SFST Banks Regional median
Dividend yield 1.90% — 2.49%
Payout ratio 0.25 — 0.29

Size

Metric BSVN SFST Banks Regional median
Market cap 556.69m 561.87m 934.85m

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