Axos Financial (NYSE:AX – Get Free Report) and Bank7 (NASDAQ:BSVN – Get Free Report) are both finance companies, but which is the superior stock? We will compare the two companies based on the strength of their earnings, dividends, profitability, analyst recommendations, valuation, risk and institutional ownership.
Valuation & Earnings
This table compares Axos Financial and Bank7″s revenue, earnings per share and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Axos Financial | $2.19 billion | 2.72 | $490.37 million | $8.47 | 12.38 |
| Bank7 | $137.26 million | 3.54 | $43.07 million | $4.37 | 11.67 |
Volatility and Risk
Axos Financial has a beta of 1.22, suggesting that its stock price is 22% more volatile than the S&P 500. Comparatively, Bank7 has a beta of 0.9, suggesting that its stock price is 10% less volatile than the S&P 500.
Institutional & Insider Ownership
83.8% of Axos Financial shares are held by institutional investors. Comparatively, 23.5% of Bank7 shares are held by institutional investors. 4.8% of Axos Financial shares are held by insiders. Comparatively, 25.7% of Bank7 shares are held by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company is poised for long-term growth.
Profitability
This table compares Axos Financial and Bank7’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| Axos Financial | 22.39% | 16.96% | 1.77% |
| Bank7 | 30.36% | 16.74% | 2.17% |
Analyst Recommendations
This is a summary of recent recommendations and price targets for Axos Financial and Bank7, as provided by MarketBeat.com.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Axos Financial | 0 | 2 | 4 | 2 | 3.00 |
| Bank7 | 0 | 1 | 3 | 0 | 2.75 |
Axos Financial currently has a consensus price target of $114.83, indicating a potential upside of 9.47%. Bank7 has a consensus price target of $58.50, indicating a potential upside of 14.68%. Given Bank7’s higher possible upside, analysts clearly believe Bank7 is more favorable than Axos Financial.
Summary
Axos Financial beats Bank7 on 10 of the 15 factors compared between the two stocks.
About Axos Financial
Axos Financial, Inc., together with its subsidiaries, provides consumer and business banking products in the United States. It operates through two segments, Banking Business and Securities Business. The company offers deposits products, including consumer and business checking, demand, savings, time deposit, money market, zero balance, and insured cash sweep accounts. It also provides residential single family, multifamily, and commercial mortgage loans; commercial real estate secured loans; commercial and industrial non-real estate, asset-backed, lines of credit, and term loans; automobile loans; fixed rate unsecured loans; and other loans, such as structure settlements, small business administration consumer loans, and securities-backed loans. In addition, the company offers ACH origination, wire transfer, commercial check printing, business bill pay and account transfer; remote deposit capture, mobile deposit, lockbox, merchant, and online payment portal; concierge banking; mobile and text message banking; and payment services, as well as debit and credit cards, and digital wallets. Further, it provides disclosed clearing services; back-office services, such as record keeping, trade reporting, accounting, general back-office support, securities and margin lending, reorganization assistance, and custody of securities; and financing to brokerage customers. The company was formerly known as BofI Holding, Inc. and changed its name to Axos Financial, Inc. in September 2018. Axos Financial, Inc. was incorporated in 1999 and is based in Las Vegas, Nevada.
About Bank7
Bank7 Corp. operates as a bank holding company for Bank7 that provides banking and financial services to individual and corporate customers. It offers commercial deposit, 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. The company also provides commercial real estate, hospitality, energy, and commercial and industrial lending services; consumer lending services to individuals for personal and household purposes comprising residential real estate loans and mortgage banking services, personal lines of credit, loans for the purchase of automobiles, and other installment loans, as well as secured and unsecured term loans and home improvement loans. It operates through a network of full-service branches in Oklahoma, the Dallas/Fort Worth, Texas metropolitan area, and Kansas. The company was formerly known as Haines Financial Corp. Bank7 Corp. was founded in 1901 and is headquartered in Oklahoma City, Oklahoma.
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