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BSVN vs FMBH
Bank7 Corp (BSVN) vs First Mid Bancshares (FMBH) Earnings Preview: Q1 2026 Results in Focus
Key Takeaways
- Bank7 Corp (BSVN) will report Q1 2026 earnings on April 14, 2026, offering insights into loan growth and deposit trends in a competitive regional banking environment.
- First Mid Bancshares (FMBH) follows with Q1 2026 earnings on April 30, 2026, building on record Q4 2025 net income of $23.7 million.
- BSVN boasts superior profitability with 45% profit margins and ROE (return on equity) of 18.56%, compared to FMBH's ROE of 10.17%.
- Both banks show strong balance sheets: BSVN with $1.6 billion in loans and $1.7 billion in deposits; FMBH significantly larger at $6.01 billion loans and $6.40 billion deposits.
- TTM EPS stands at $4.50 for BSVN versus $3.83 for FMBH, highlighting BSVN's per-share efficiency.
- Regional focus in energy and agriculture sectors positions both for interest rate sensitivity, with asset quality remaining strong.
Earnings Context and Why This Comparison Matters
Quarterly earnings reports provide critical visibility into regional banks' net interest income (NII, the difference between interest earned on loans and paid on deposits), loan portfolio health, and deposit stability amid fluctuating interest rates. Bank7 Corp (BSVN), a nimble Oklahoma-based lender focused on commercial loans in energy-rich markets, faces off against First Mid Bancshares (FMBH), a larger Illinois community bank with diversified commercial real estate, agricultural, and consumer lending. This comparison highlights efficiency versus scale, as both navigate credit quality (measured by net charge-offs or NCOs, losses from bad loans) and funding costs in a high-rate environment.
Bank7 Corp Focus
Bank7 Corp (BSVN) schedules its Q1 2026 earnings release before market open on April 14, 2026, followed by a conference call at 10:00 a.m. CT. Investors will watch for continued momentum from Q4 2025, where net income held steady at $10.8 million ($1.12 diluted EPS) and full-year net income reached $43.1 million ($4.50 EPS). Total loans grew to $1.6 billion (up 4.71% QoQ and 14.96% YoY), supported by $1.70 billion in deposits. With ROA (return on assets) at 2.33% TTM and a lean 125-employee operation, BSVN emphasizes high-yield commercial lending. Expectations center on NII stability and low nonperforming loans (0.40% of total), with no specific EPS guidance issued.
First Mid Bancshares Context
First Mid Bancshares (FMBH) plans Q1 2026 earnings around April 30, 2026. The bank's Q4 2025 delivered record net income of $23.7 million GAAP ($0.99 diluted EPS), or adjusted $25.3 million ($1.06 EPS). Loans expanded 3.2% QoQ to $6.01 billion, driven by construction, farm real estate, and commercial segments, while deposits rose 1.7% to $6.40 billion. TTM revenue hit $339.3 million with net income of $91.75 million. Strong capital (CET1 likely above well-capitalized thresholds, based on peers) and diversified noninterest income (29% of revenue) bolster positioning, though seasonal agricultural paydowns warrant monitoring ahead of Q1 results.
Head-to-Head Earnings and Market Comparison
Bank7 Corp (BSVN) edges out in profitability metrics, with TTM PE of 9.08, 45% margins, and superior ROA/ROE versus FMBH's 10.87 PE and 27% margins. BSVN's $396 million market cap reflects efficiency in a $2 billion asset base, while FMBH's $1.11 billion cap supports scale in a $7.7 billion portfolio. Growth drivers favor FMBH's 6% YoY loans/deposits expansion, but BSVN's energy exposure adds volatility risk. Both maintain pristine asset quality (low NCOs), with sentiment tilting toward BSVN for margin resilience amid rate uncertainty.
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Tickeron AI Verdict
Tickeron AI currently favors Bank7 Corp (BSVN) with a 65% probability edge over First Mid Bancshares (FMBH), driven by superior earnings quality, higher ROE/ROA, trend strength in loan growth, and compact positioning ahead of its nearer-term Q1 2026 report.
Disclaimer
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To compare these two companies we present long-term analysis, their fundamental ratings and make comparative short-term technical analysis which are presented below. The conclusion is BSVN is a StrongBuy and FMBH is a Buy.
Long-Term Analysis
It is best to consider a long-term outlook for a ticker by using Fundamental Analysis (FA) ratings. The rating of 1 to 100, where 1 is best and 100 is worst, is divided into thirds. The first third (a green rating of 1-33) indicates that the ticker is undervalued; the second third (a grey number between 34 and 66) means that the ticker is valued fairly; and the last third (red number of 67 to 100) reflects that the ticker is undervalued. We use an FA Score to show how many ratings show the ticker to be undervalued (green) or overvalued (red).
BSVN’s FA Score shows that 1 FA rating(s) are green whileFMBH’s FA Score has 0 green FA rating(s).
- BSVN’s FA Score: 1 green, 4 red.
- FMBH’s FA Score: 0 green, 5 red.
Short-Term Analysis
It is best to consider a short-term outlook for a ticker by using Technical Analysis (TA) indicators. We use Odds of Success as the percentage of outcomes which confirm successful trade signals in the past.
If the Odds of Success (the likelihood of the continuation of a trend) for each indicator are greater than 50%, then the generated signal is confirmed. A green percentage from 90% to 51% indicates that the ticker is in a bullish trend. A red percentage from 90% - 51% indicates that the ticker is in a bearish trend. All grey percentages are below 50% and are considered not to confirm the trend signal.
BSVN’s TA Score shows that 5 TA indicator(s) are bullish while FMBH’s TA Score has 4 bullish TA indicator(s).
- BSVN’s TA Score: 5 bullish, 3 bearish.
- FMBH’s TA Score: 4 bullish, 3 bearish.
Price Growth
BSVN (@Regional Banks) experienced а +2.43% price change this week, while FMBH (@Regional Banks) price change was +2.17% for the same time period.
The average weekly price growth across all stocks in the @Regional Banks industry was +1.31%. For the same industry, the average monthly price growth was +5.64%, and the average quarterly price growth was +13.60%.
Reported Earning Dates
BSVN is expected to report earnings on Jul 23, 2026.
FMBH is expected to report earnings on Jul 23, 2026.
Industries' Descriptions
@Regional Banks (+1.31% weekly)Regional banks have a smaller reach than major banks, and cater mostly to one region of a country, such as a state or within a group of states. They offer services often similar – albeit with some limitations/smaller scale – compared to major banks. Taking deposits, making loans, mortgages, leases, credit cards , fund management, insurance and investment banking. SunTrust Banks, State Street Corp., M&T Bank Corp. are some examples of U.S. regional banks.
| BSVN | FMBH | BSVN / FMBH | |
| Capitalization | 446M | 1.25B | 36% |
| EBITDA | N/A | N/A | - |
| Gain YTD | 15.738 | 21.932 | 72% |
| P/E Ratio | 9.79 | 11.64 | 84% |
| Revenue | 99.9M | 355M | 28% |
| Total Cash | 247M | 16.1M | 1,534% |
| Total Debt | 4.8M | 383M | 1% |
BSVN | FMBH | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 37 | 31 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 51 Fair valued | 93 Overvalued | |
PROFIT vs RISK RATING 1..100 | 19 | 70 | |
SMR RATING 1..100 | 44 | 51 | |
PRICE GROWTH RATING 1..100 | 46 | 44 | |
P/E GROWTH RATING 1..100 | 38 | 45 | |
SEASONALITY SCORE 1..100 | 85 | 85 |
Tickeron ratings are formulated such that a rating of 1 designates the most successful stocks in a given industry, while a rating of 100 points to the least successful stocks for that industry.
BSVN's Valuation (51) in the Regional Banks industry is somewhat better than the same rating for FMBH (93). This means that BSVN’s stock grew somewhat faster than FMBH’s over the last 12 months.
BSVN's Profit vs Risk Rating (19) in the Regional Banks industry is somewhat better than the same rating for FMBH (70). This means that BSVN’s stock grew somewhat faster than FMBH’s over the last 12 months.
BSVN's SMR Rating (44) in the Regional Banks industry is in the same range as FMBH (51). This means that BSVN’s stock grew similarly to FMBH’s over the last 12 months.
FMBH's Price Growth Rating (44) in the Regional Banks industry is in the same range as BSVN (46). This means that FMBH’s stock grew similarly to BSVN’s over the last 12 months.
BSVN's P/E Growth Rating (38) in the Regional Banks industry is in the same range as FMBH (45). This means that BSVN’s stock grew similarly to FMBH’s over the last 12 months.
| BSVN | FMBH | |
|---|---|---|
| RSI ODDS (%) | 1 day ago 71% | 1 day ago 77% |
| Stochastic ODDS (%) | 1 day ago 64% | 1 day ago 69% |
| Momentum ODDS (%) | 1 day ago 73% | 1 day ago 54% |
| MACD ODDS (%) | 1 day ago 67% | 1 day ago 51% |
| TrendWeek ODDS (%) | 1 day ago 72% | 1 day ago 59% |
| TrendMonth ODDS (%) | 1 day ago 64% | 1 day ago 53% |
| Advances ODDS (%) | 2 days ago 68% | 1 day ago 58% |
| Declines ODDS (%) | 23 days ago 59% | N/A |
| BollingerBands ODDS (%) | N/A | 1 day ago 90% |
| Aroon ODDS (%) | 1 day ago 60% | 1 day ago 40% |
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BSVN and
Correlation & Price change
A.I.dvisor indicates that over the last year, BSVN has been closely correlated with FMBH. These tickers have moved in lockstep 71% of the time. This A.I.-generated data suggests there is a high statistical probability that if BSVN jumps, then FMBH could also see price increases.
| Ticker / NAME | Correlation To BSVN | 1D Price Change % | ||
|---|---|---|---|---|
| BSVN | 100% | +2.56% | ||
| FMBH - BSVN | 71% Closely correlated | +2.00% | ||
| SHBI - BSVN | 71% Closely correlated | +1.86% | ||
| MCBS - BSVN | 70% Closely correlated | +1.81% | ||
| AROW - BSVN | 70% Closely correlated | +2.41% | ||
| RBCAA - BSVN | 70% Closely correlated | +1.88% | ||
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FMBH and
Correlation & Price change
A.I.dvisor indicates that over the last year, FMBH has been closely correlated with BY. These tickers have moved in lockstep 87% of the time. This A.I.-generated data suggests there is a high statistical probability that if FMBH jumps, then BY could also see price increases.
| Ticker / NAME | Correlation To FMBH | 1D Price Change % | ||
|---|---|---|---|---|
| FMBH | 100% | +2.00% | ||
| BY - FMBH | 87% Closely correlated | +1.41% | ||
| TCBK - FMBH | 85% Closely correlated | +2.16% | ||
| SHBI - FMBH | 85% Closely correlated | +1.86% | ||
| UVSP - FMBH | 85% Closely correlated | +1.90% | ||
| SRCE - FMBH | 85% Closely correlated | +1.44% | ||
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