Bank7 (BSVN) Beneish M-Score: 0.00 (As of Jun. 26, 2026)


BSVN Bank7 Corp BSVN
71 GF Score
Price $47.16
GF Value $39.28
Valuation Modestly Overvalued
! 4 Warning Signs
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What is Bank7 Beneish M-Score?

Bank7 BSVN +1.16% 71 Beneish M-Score is 0.00 as of Jun. 26, 2026. GuruFocus rates BSVN with a GF Score™ of 71/100 and a GF Value™ of $39.28 (Modestly Overvalued). The stock has 4 warning signs investors should review. Among 1,396 Banks companies, Bank7 ranks worse than 71633.17% on this metric.

Note: Financial institutions were excluded from the sample in Beneish paper when calculating Beneish M-Score. Thus, the prediction might not fit banks and insurance companies.

The zones of discrimination for M-Score is as such:

An M-Score of equal or less than -1.78 suggests that the company is unlikely to be a manipulator.
An M-Score of greater than -1.78 signals that the company is likely to be a manipulator.

The historical rank and industry rank for Bank7's Beneish M-Score or its related term are showing as below:

During the past 10 years, the highest Beneish M-Score of Bank7 was -2.10. The lowest was -2.10. And the median was -2.10.

BSVN
71GF Score
Bank7 Corp BSVN
Beneish M-Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Bank7 Beneish M-Score Calculation

The M-score was created by Professor Messod Beneish. Instead of measuring the bankruptcy risk (Altman Z-Score) or business trend (Piotroski F-Score), M-score can be used to detect the risk of earnings manipulation. This is the original research paper on M-score.

The M-Score Variables:

The M-score of Bank7 for today is based on a combination of the following eight different indices:

M=-4.84+0.92 * DSRI+0.528 * GMI+0.404 * AQI+0.892 * SGI+0.115 * DEPI
=-4.84+0.92 * +0.528 * +0.404 * +0.892 * +0.115 *
-0.172 * SGAI+4.679 * TATA-0.327 * LVGI
-0.172 * +4.679 * -0.327 *
=

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

This Year (Mar26) TTM:Last Year (Mar25) TTM:
Total Receivables was $0.00 Mil.
Revenue was 26.158 + 24.105 + 25.236 + 24.439 = $99.94 Mil.
Gross Profit was 26.158 + 24.105 + 25.236 + 24.439 = $99.94 Mil.
Total Current Assets was $0.00 Mil.
Total Assets was $1,945.08 Mil.
Property, Plant and Equipment(Net PPE) was $24.11 Mil.
Depreciation, Depletion and Amortization(DDA) was $1.16 Mil.
Selling, General, & Admin. Expense(SGA) was $24.58 Mil.
Total Current Liabilities was $0.00 Mil.
Long-Term Debt & Capital Lease Obligation was $0.00 Mil.
Net Income was 12.006 + 10.784 + 10.844 + 11.105 = $44.74 Mil.
Non Operating Income was 0 + 0 + 0 + 0 = $0.00 Mil.
Cash Flow from Operations was 16.649 + 9.059 + 16.629 + 9.45 = $51.79 Mil.
 Total Receivables was $0.00 Mil.
Revenue was 22.595 + 24.139 + 24.894 + 24.397 = $96.03 Mil.
Gross Profit was 22.595 + 24.139 + 24.894 + 24.397 = $96.03 Mil.
Total Current Assets was $0.00 Mil.
Total Assets was $1,785.47 Mil.
Property, Plant and Equipment(Net PPE) was $20.72 Mil.
Depreciation, Depletion and Amortization(DDA) was $1.01 Mil.
Selling, General, & Admin. Expense(SGA) was $21.37 Mil.
Total Current Liabilities was $0.00 Mil.
Long-Term Debt & Capital Lease Obligation was $0.00 Mil.

1. DSRI = Days Sales in Receivables Index

Measured as the ratio of Revenue in Total Receivables in year t to year t-1.

A large increase in DSR could be indicative of revenue inflation.

DSRI=(Receivables_t / Revenue_t) / (Receivables_t-1 / Revenue_t-1)
=(0 / 99.938) / (0 / 96.025)
=0 / 0
=

2. GMI = Gross Margin Index

Measured as the ratio of gross margin in year t-1 to gross margin in year t.

Gross margin has deteriorated when this index is above 1. A firm with poorer prospects is more likely to manipulate earnings.

GMI=GrossMargin_t-1 / GrossMargin_t
=(GrossProfit_t-1 / Revenue_t-1) / (GrossProfit_t / Revenue_t)
=(96.025 / 96.025) / (99.938 / 99.938)
=1 / 1
=

3. AQI = Asset Quality Index

AQI is the ratio of asset quality in year t to year t-1.

Asset quality is measured as the ratio of non-current assets other than Property, Plant and Equipment to Total Assets.

AQI=(1 - (CurrentAssets_t + PPE_t) / TotalAssets_t) / (1 - (CurrentAssets_t-1 + PPE_t-1) / TotalAssets_t-1)
=(1 - (0 + 24.11) / 1945.08) / (1 - (0 + 20.721) / 1785.474)
=0.987605 / 0.988395
=

4. SGI = Sales Growth Index

Ratio of Revenue in year t to sales in year t-1.

Sales growth is not itself a measure of manipulation. However, growth companies are likely to find themselves under pressure to manipulate in order to keep up appearances.

SGI=Sales_t / Sales_t-1
=Revenue_t / Revenue_t-1
=99.938 / 96.025
=

5. DEPI = Depreciation Index

Measured as the ratio of the rate of Depreciation, Depletion and Amortization in year t-1 to the corresponding rate in year t.

DEPI greater than 1 indicates that assets are being depreciated at a slower rate. This suggests that the firm might be revising useful asset life assumptions upwards, or adopting a new method that is income friendly.

DEPI=(Depreciation_t-1 / (Depreciaton_t-1 + PPE_t-1)) / (Depreciation_t / (Depreciaton_t + PPE_t))
=(1.013 / (1.013 + 20.721)) / (1.158 / (1.158 + 24.11))
=0.046609 / 0.045829
=

Note: If the Depreciation, Depletion and Amortization data is not available, we assume that the depreciation rate is constant and set the Depreciation Index to 1.

6. SGAI = Sales, General and Administrative expenses Index

The ratio of Selling, General, & Admin. Expense(SGA) to Sales in year t relative to year t-1.

SGA expenses index > 1 means that the company is becoming less efficient in generate sales.

SGAI=(SGA_t / Sales_t) / (SGA_t-1 /Sales_t-1)
=(24.581 / 99.938) / (21.371 / 96.025)
=0.245962 / 0.222557
=

7. LVGI = Leverage Index

The ratio of total debt to Total Assets in year t relative to yeat t-1.

An LVGI > 1 indicates an increase in leverage

LVGI=((LTD_t + CurrentLiabilities_t) / TotalAssets_t) / ((LTD_t-1 + CurrentLiabilities_t-1) / TotalAssets_t-1)
=((0 + 0) / 1945.08) / ((0 + 0) / 1785.474)
=0 / 0
=

8. TATA = Total Accruals to Total Assets

Total accruals calculated as the change in working capital accounts other than cash less depreciation.

TATA=(IncomefromContinuingOperations_t - CashFlowsfromOperations_t) / TotalAssets_t
=(NetIncome_t - NonOperatingIncome_t - CashFlowsfromOperations_t) / TotalAssets_t
=(44.739 - 0 - 51.787) / 1945.08
=-0.003624

An M-Score of equal or less than -1.78 suggests that the company is unlikely to be a manipulator. An M-Score of greater than -1.78 signals that the company is likely to be a manipulator.

Frequently Asked Questions Learn more about Beneish M-Score →
What does a Beneish M-Score of 0.00 mean?
Bank7 (BSVN) has a Beneish M-Score of 0.00 as of Jun. 26, 2026. The Beneish M-score measures the likelihood of earnings manipulation. View historical data on Bank7 and its competitors. According to the industry distribution chart, Bank7 ranks #999999 out of 1396 companies in the Banks industry.
Is Bank7's Beneish M-Score too high?
Bank7's current Beneish M-Score is 0.00. Based on the distribution chart, Bank7 ranks #999999 out of 1396 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Bank7 has a GF Score™ of 71/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Bank7's Beneish M-Score compare to CBAN and BMRC?
According to the Banks industry distribution chart, Bank7 ranks #999999 out of 1396 companies for Beneish M-Score. This places Bank7 in the lower half of its industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Beneish M-Score for a Banks company?
A good Beneish M-Score depends on the Banks industry context. However, Beneish M-Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Beneish M-Score mean?
A high Beneish M-Score can signal that a stock is expensive relative to its fundamentals. The Beneish M-score measures the likelihood of earnings manipulation. View historical data on Bank7 and its competitors. Bank7's current Beneish M-Score is 0.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Bank7 stock overvalued right now?
Based on GuruFocus' analysis, Bank7 (BSVN) is currently considered Modestly Overvalued. The stock's GF Value™ is $39.28, compared to a current price of $47.16 — trading 20% above its estimated fair value. The current Beneish M-Score is 0.00. Bank7's overall GF Score™ is 71/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Beneish M-Score calculated?
Beneish M-Score is calculated from a company's financial statements. For Bank7 (BSVN), the current Beneish M-Score is 0.00 as of Jun. 26, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Bank7 (BSVN) Overvalued in 2026?

Based on GuruFocus' analysis, Bank7 stock appears to be overvalued. The current stock price of $47.16 is trading 20% above its estimated GF Value™ of $39.28. GuruFocus considers Bank7 to be Modestly Overvalued.

Key valuation signals for BSVN:

  • Beneish M-Score: 0.00
  • GF Value™: $39.28 vs. price of $47.16 (20% above fair value)
  • GF Score™: 71/100 with 4 warning signs

No single metric tells the full story. See the BSVN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Bank7 Business Description

Address 1039 North West 63rd Street, Oklahoma City, OK, USA, 73116-7361
Bank7 Corp is a full-service commercial bank focused on providing customers with exceptional service and meeting their banking needs through a variety of commercial and retail financial services. It offers deposit banking products, including commercial deposit services, commercial checking, money market, and other deposit accounts, and retail deposit services such as certificates of deposit, money market accounts, checking accounts, negotiable order of withdrawal accounts, savings accounts, and automated teller machine access. etc. It generates revenues from interest income from financial instruments and non-interest income and service charges on deposit accounts.
71GF Score

Get the complete analysis for BSVN

Beneish M-Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$47.16
Price
$39.28
GF Value