Bank7 (BSVN) Financials

$37.23 -0.31 (-0.83%)

Closing price 05/22/2025 04:00 PM Eastern

Extended Trading

$37.33 +0.10 (+0.27%)

As of 05/22/2025 04:04 PM Eastern

Annual Income Statements for Bank7

This table shows Bank7's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric	2024	2023	2022
Period end date	12/31/2024	12/31/2023	12/31/2022
Net Income / (Loss) Attributable to Common Shareholders	46	28	30
Consolidated Net Income / (Loss)	46	28	30
Net Income / (Loss) Continuing Operations	46	28	30
Total Pre-Tax Income	60	37	39
Total Revenue	97	92	72
Net Interest Income / (Expense)	86	83	69
Total Interest Income	132	122	79
Loans and Leases Interest Income	119	110	74
Investment Securities Interest Income	2.80	3.12	2.67
Deposits and Money Market Investments Interest Income	0.79	0.52	0.05
Other Interest Income	8.54	8.06	1.63
Total Interest Expense	45	39	9.32
Deposits Interest Expense	45	39	9.32
Total Non-Interest Income	11	9.24	2.94
Service Charges on Deposit Accounts	0.98	0.87	0.90
Other Service Charges	9.92	8.06	1.68
Net Realized & Unrealized Capital Gains on Investments	-0.01	-0.02	-0.13
Other Non-Interest Income	0.37	0.33	0.49
Provision for Credit Losses	0.00	21	4.47
Total Non-Interest Expense	37	33	29
Salaries and Employee Benefits	21	17	17
Net Occupancy & Equipment Expense	5.61	5.41	5.87
Marketing Expense	1.82	1.34	1.82
Other Operating Expenses	8.89	9.28	3.91
Income Tax Expense	15	8.95	9.62
Basic Earnings per Share	$4.92	$3.09	$3.26
Weighted Average Basic Shares Outstanding	9.29M	9.16M	9.10M
Diluted Earnings per Share	$4.84	$3.05	$3.22
Weighted Average Diluted Shares Outstanding	9.45M	9.26M	9.20M
Weighted Average Basic & Diluted Shares Outstanding	9.45M	9.24M	9.15M
Cash Dividends to Common per Share	$0.89	$0.74	$0.52

This table shows Bank7's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022	Q3 2022
Period end date	12/31/2024	9/30/2024	6/30/2024	3/31/2024	12/31/2023	9/30/2023	6/30/2023	3/31/2023	12/31/2022	9/30/2022
Net Income / (Loss) Attributable to Common Shareholders	11	12	12	11	1.07	7.85	9.75	9.61	8.39	8.04
Consolidated Net Income / (Loss)	11	12	12	11	1.07	7.85	9.75	9.61	8.39	8.04
Net Income / (Loss) Continuing Operations	11	12	12	11	1.07	7.85	9.75	9.61	8.39	8.04
Total Pre-Tax Income	15	15	15	15	1.56	10	13	13	11	10
Total Revenue	24	25	24	24	28	22	21	21	21	20
Net Interest Income / (Expense)	22	21	21	22	21	21	20	20	20	19
Total Interest Income	32	33	32	33	32	32	30	27	25	22
Loans and Leases Interest Income	30	31	29	30	29	29	27	25	24	20
Investment Securities Interest Income	0.33	0.37	1.02	1.09	0.76	0.78	0.79	0.79	0.78	0.78
Deposits and Money Market Investments Interest Income	0.11	0.18	0.25	0.25	0.25	0.16	0.06	0.05	0.01	0.01
Other Interest Income	2.31	2.15	2.24	1.83	2.66	1.90	2.31	1.19	0.87	0.44
Total Interest Expense	11	12	11	11	11	11	9.54	7.37	5.08	2.65
Deposits Interest Expense	11	12	11	11	11	11	9.54	7.37	5.08	2.65
Total Non-Interest Income	2.40	3.68	3.17	2.01	6.77	1.01	0.79	0.67	0.73	0.84
Service Charges on Deposit Accounts	0.23	0.23	0.26	0.25	0.22	0.21	0.20	0.24	0.22	0.21
Other Service Charges	2.04	3.35	2.83	1.71	6.39	0.80	0.49	0.38	0.42	0.51
Net Realized & Unrealized Capital Gains on Investments	-0.00	-0.00	0.00	0.00	-0.00	-0.01	-0.01	-0.00	-	-0.01
Other Non-Interest Income	0.14	0.10	0.08	0.05	0.16	0.01	0.11	0.05	0.09	0.13
Total Non-Interest Expense	9.42	9.40	9.14	9.14	11	7.39	7.38	7.65	8.13	7.13
Salaries and Employee Benefits	5.04	5.33	5.12	5.29	3.09	4.91	4.71	4.68	4.89	4.00
Net Occupancy & Equipment Expense	1.37	1.47	1.42	1.35	1.40	1.34	1.32	1.35	1.53	1.53
Marketing Expense	0.61	0.43	0.48	0.30	0.32	0.17	0.34	0.51	0.51	0.52
Other Operating Expenses	2.40	2.16	2.13	2.20	6.19	0.97	1.01	1.11	1.19	1.09
Income Tax Expense	3.61	3.72	3.73	3.60	0.49	2.35	3.16	2.95	2.97	2.36
Basic Earnings per Share	$1.19	$1.26	$1.25	$1.22	$0.12	$0.86	$1.06	$1.05	$0.93	$0.88
Weighted Average Basic Shares Outstanding	9.29M	9.32M	9.25M	9.22M	9.16M	9.16M	9.15M	9.15M	9.10M	9.10M
Diluted Earnings per Share	$1.16	$1.24	$1.23	$1.21	$0.11	$0.85	$1.05	$1.04	$0.92	$0.87
Weighted Average Diluted Shares Outstanding	9.45M	9.50M	9.37M	9.32M	9.26M	9.27M	9.25M	9.26M	9.20M	9.21M
Weighted Average Basic & Diluted Shares Outstanding	9.45M	9.34M	9.34M	9.25M	9.24M	9.19M	9.16M	9.15M	9.15M	9.12M

This table details how cash moves in and out of Bank7's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric	2024	2023	2022
Period end date	12/31/2024	12/31/2023	12/31/2022
Net Change in Cash & Equivalents	53	72	-96
Net Cash From Operating Activities	55	49	40
Net Cash From Continuing Operating Activities	55	49	40
Net Income / (Loss) Continuing Operations	46	28	30
Consolidated Net Income / (Loss)	46	28	30
Provision For Loan Losses	0.00	21	4.47
Depreciation Expense	1.06	1.30	1.41
Amortization Expense	-0.77	0.38	0.81
Non-Cash Adjustments to Reconcile Net Income	2.93	0.13	0.53
Changes in Operating Assets and Liabilities, net	6.13	-2.10	2.86
Net Cash From Investing Activities	80	-131	-343
Net Cash From Continuing Investing Activities	80	-131	-343
Purchase of Property, Leasehold Improvements and Equipment	-4.20	-2.83	-0.29
Purchase of Investment Securities	-131	-144	-380
Sale of Property, Leasehold Improvements and Equipment	0.22	0.08	3.37
Sale and/or Maturity of Investments	215	16	34
Other Investing Activities, net	0.00	-0.07	-0.01
Net Cash From Financing Activities	-82	154	207
Net Cash From Continuing Financing Activities	-82	154	207
Net Change in Deposits	-76	160	212
Issuance of Common Equity	0.00	0.00	0.00
Repurchase of Common Equity	-0.67	-0.51	-0.45
Payment of Dividends	-8.06	-6.32	-4.37
Other Financing Activities, Net	2.59	0.50	0.31
Cash Interest Paid	46	38	9.10
Cash Income Taxes Paid	15	11	9.98

This table details how cash moves in and out of Bank7's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022	Q3 2022
Period end date	12/31/2024	9/30/2024	6/30/2024	3/31/2024	12/31/2023	9/30/2023	6/30/2023	3/31/2023	12/31/2022	9/30/2022
Net Change in Cash & Equivalents	47	-23	17	12	12	-27	19	68	-38	24
Net Cash From Operating Activities	13	13	8.15	20	16	13	6.56	14	9.78	5.02
Net Cash From Continuing Operating Activities	13	13	8.15	20	16	13	6.56	14	9.78	5.02
Net Income / (Loss) Continuing Operations	11	12	12	11	1.07	7.85	9.75	9.61	8.39	8.04
Consolidated Net Income / (Loss)	11	12	12	11	1.07	7.85	9.75	9.61	8.39	8.04
Depreciation Expense	0.25	0.25	0.26	0.30	0.33	0.32	0.32	0.33	0.34	0.35
Amortization Expense	0.10	0.07	-0.56	-0.37	0.10	0.10	0.09	0.09	0.16	-2.85
Non-Cash Adjustments to Reconcile Net Income	0.36	0.22	1.15	1.20	1.27	-1.48	0.08	0.26	-0.66	0.76
Changes in Operating Assets and Liabilities, net	1.28	1.04	-4.23	8.04	-2.12	1.89	-4.69	2.81	-0.08	-3.63
Net Cash From Investing Activities	45	-79	109	5.23	-0.37	-122	-2.73	-6.17	-39	-71
Net Cash From Continuing Investing Activities	45	-79	109	5.23	-0.37	-122	-2.73	-6.17	-39	-71
Purchase of Property, Leasehold Improvements and Equipment	-1.31	-0.61	-1.61	-0.67	-0.23	-0.38	-2.01	-0.22	-0.02	-0.05
Purchase of Investment Securities	38	-88	18	-99	-4.74	-125	-4.48	-9.85	-41	-81
Sale of Property, Leasehold Improvements and Equipment	0.08	0.02	-	-	-	0.08	-	-	-	0.24
Sale and/or Maturity of Investments	8.20	9.45	93	105	4.64	3.57	3.78	3.91	2.70	9.77
Other Investing Activities, net	-0.01	-0.00	0.00	0.01	-0.03	-0.01	-0.02	-0.01	-0.02	-0.00
Net Cash From Financing Activities	-11	43	-101	-14	-4.24	82	15	61	-9.24	90
Net Cash From Continuing Financing Activities	-11	43	-101	-14	-4.24	82	15	61	-9.24	90
Net Change in Deposits	-8.75	43	-99	-11	-2.18	83	17	62	-8.04	91
Issuance of Common Equity	0.00	-	0.00	0.00	-	-	-	0.00	-	-
Repurchase of Common Equity	-0.24	-0.01	-0.00	-0.42	-0.15	-0.23	0.00	-0.14	-0.14	-0.31
Payment of Dividends	-2.24	-1.94	-1.94	-1.93	-1.93	-1.46	-1.47	-1.46	-1.09	-1.10
Other Financing Activities, Net	0.69	1.58	0.27	0.07	0.02	0.24	0.03	0.21	0.03	0.28
Cash Interest Paid	11	12	11	11	11	11	9.06	7.06	4.88	2.61
Cash Income Taxes Paid	4.19	3.34	7.43	0.10	0.19	3.56	7.03	0.02	3.14	4.94

This table presents Bank7's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric	2024	2023	2022
Period end date	12/31/2024	12/31/2023	12/31/2022
Total Assets	1,740	1,772	1,584
Cash and Due from Banks	234	181	109
Interest Bearing Deposits at Other Banks	6.72	18	5.47
Trading Account Securities	61	171	174
Loans and Leases, Net of Allowance	0.00	0.00	0.00
Premises and Equipment, Net	18	15	13
Goodwill	8.46	8.46	8.60
Intangible Assets	0.88	1.03	1.34
Other Assets	1,410	1,377	1,272
Total Liabilities & Shareholders' Equity	1,740	1,772	1,584
Total Liabilities	1,527	1,601	1,440
Non-Interest Bearing Deposits	313	482	442
Interest Bearing Deposits	1,202	1,109	990
Accrued Interest Payable	11	9.65	7.62
Other Long-Term Liabilities	0.08	0.30	1.05
Total Equity & Noncontrolling Interests	213	170	144
Total Preferred & Common Equity	213	170	144
Total Common Equity	213	170	144
Common Stock	102	98	95
Retained Earnings	116	79	58
Accumulated Other Comprehensive Income / (Loss)	-4.97	-6.15	-9.30

This table presents Bank7's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric	Q3 2024	Q2 2024	Q1 2024	Q3 2023	Q2 2023	Q1 2023	Q3 2022
Period end date	9/30/2024	6/30/2024	3/31/2024	9/30/2023	6/30/2023	3/31/2023	9/30/2022
Total Assets	1,740	1,683	1,775	1,772	1,681	1,661	1,581
Cash and Due from Banks	187	210	193	169	196	177	147
Interest Bearing Deposits at Other Banks	8.72	12	17	17	10	4.98	1.49
Trading Account Securities	66	68	153	170	172	173	176
Loans and Leases, Net of Allowance	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Premises and Equipment, Net	17	17	15	15	15	13	13
Goodwill	8.46	8.46	8.46	8.46	8.46	8.46	8.07
Intangible Assets	0.91	0.94	0.97	1.11	1.18	1.26	1.41
Other Assets	1,452	1,367	1,387	1,392	1,278	-	1,233
Total Liabilities & Shareholders' Equity	1,740	1,683	1,775	1,772	1,681	1,661	1,581
Total Liabilities	1,536	1,492	1,595	1,604	1,520	1,492	1,445
Non-Interest Bearing Deposits	322	350	452	481	398	424	498
Interest Bearing Deposits	1,202	1,131	1,128	1,113	1,111	1,067	940
Accrued Interest Payable	12	11	10	11	11	-	7.35
Other Long-Term Liabilities	0.43	0.00	3.95	0.42	0.36	-	0.45
Total Equity & Noncontrolling Interests	204	191	180	168	162	154	136
Total Preferred & Common Equity	204	191	180	168	162	154	136
Total Common Equity	204	191	180	168	162	154	136
Common Stock	101	99	98	97	97	96	95
Retained Earnings	107	98	88	80	74	66	51
Accumulated Other Comprehensive Income / (Loss)	-4.12	-5.75	-5.69	-9.08	-8.71	-7.55	-10

This table displays calculated financial ratios and metrics derived from Bank7's official financial filings.

Metric	2024	2023	2022
Period end date	12/31/2024	12/31/2023	12/31/2022
Growth Metrics	-	-	-
Revenue Growth	6.17%	26.84%	30.42%
EBITDA Growth	55.88%	-6.19%	29.71%
EBIT Growth	62.14%	-5.18%	26.99%
NOPAT Growth	61.62%	-4.60%	27.98%
Net Income Growth	61.62%	-4.60%	27.98%
EPS Growth	58.69%	-5.28%	26.27%
Operating Cash Flow Growth	12.05%	23.70%	31.80%
Free Cash Flow Firm Growth	37.19%	-88.99%	816.00%
Invested Capital Growth	25.18%	18.20%	8.28%
Revenue Q/Q Growth	-3.87%	8.20%	9.66%
EBITDA Q/Q Growth	27.48%	-20.23%	10.34%
EBIT Q/Q Growth	27.88%	-20.84%	10.33%
NOPAT Q/Q Growth	28.16%	-20.56%	10.04%
Net Income Q/Q Growth	28.16%	-20.56%	10.04%
EPS Q/Q Growth	27.70%	-20.98%	9.90%
Operating Cash Flow Q/Q Growth	-5.28%	14.92%	7.14%
Free Cash Flow Firm Q/Q Growth	570.85%	-41.57%	37.64%
Invested Capital Q/Q Growth	4.43%	1.44%	6.10%
Profitability Metrics	-	-	-
EBITDA Margin	62.23%	42.39%	57.31%
EBIT Margin	61.93%	40.55%	54.25%
Profit (Net Income) Margin	46.89%	30.80%	40.96%
Tax Burden Percent	75.72%	75.96%	75.50%
Interest Burden Percent	100.00%	100.00%	100.00%
Effective Tax Rate	24.28%	24.04%	24.50%
Return on Invested Capital (ROIC)	23.83%	17.99%	21.39%
ROIC Less NNEP Spread (ROIC-NNEP)	0.00%	0.00%	21.39%
Return on Net Nonoperating Assets (RNNOA)	0.00%	0.00%	0.45%
Return on Equity (ROE)	0.00%	0.00%	21.83%
Cash Return on Invested Capital (CROIC)	1.47%	1.30%	13.43%
Operating Return on Assets (OROA)	3.44%	2.22%	2.68%
Return on Assets (ROA)	2.60%	1.69%	2.02%
Return on Common Equity (ROCE)	0.00%	0.00%	21.83%
Return on Equity Simple (ROE_SIMPLE)	21.43%	16.60%	20.57%
Net Operating Profit after Tax (NOPAT)	46	28	30
NOPAT Margin	46.89%	30.80%	40.96%
Net Nonoperating Expense Percent (NNEP)	0.00%	0.00%	0.00%
SG&A Expenses to Revenue	28.94%	26.30%	34.17%
Operating Expenses to Revenue	38.07%	36.41%	39.58%
Earnings before Interest and Taxes (EBIT)	60	37	39
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	61	39	41
Valuation Ratios	-	-	-
Price to Book Value (P/BV)	2.04	1.44	1.53
Price to Tangible Book Value (P/TBV)	2.14	1.52	1.64
Price to Revenue (P/Rev)	4.47	2.66	3.05
Price to Earnings (P/E)	9.54	8.65	7.44
Dividend Yield	1.93%	2.78%	2.15%
Earnings Yield	10.48%	11.56%	13.44%
Enterprise Value to Invested Capital (EV/IC)	0.91	0.27	0.74
Enterprise Value to Revenue (EV/Rev)	2.00	0.50	1.46
Enterprise Value to EBITDA (EV/EBITDA)	3.22	1.18	2.55
Enterprise Value to EBIT (EV/EBIT)	3.23	1.23	2.70
Enterprise Value to NOPAT (EV/NOPAT)	4.27	1.62	3.57
Enterprise Value to Operating Cash Flow (EV/OCF)	3.54	0.93	2.67
Enterprise Value to Free Cash Flow (EV/FCFF)	69.38	22.35	5.69
Leverage & Solvency	-	-	-
Debt to Equity	0.00	0.00	0.00
Long-Term Debt to Equity	0.00	0.00	0.00
Financial Leverage	0.00	0.00	0.02
Leverage Ratio	9.16	10.67	10.81
Compound Leverage Factor	9.16	10.67	10.81
Debt to Total Capital	0.00%	0.00%	0.00%
Short-Term Debt to Total Capital	0.00%	0.00%	0.00%
Long-Term Debt to Total Capital	0.00%	0.00%	0.00%
Preferred Equity to Total Capital	0.00%	0.00%	0.00%
Noncontrolling Interests to Total Capital	0.00%	0.00%	0.00%
Common Equity to Total Capital	100.00%	100.00%	100.00%
Debt to EBITDA	0.00	0.00	0.00
Net Debt to EBITDA	0.00	0.00	0.00
Long-Term Debt to EBITDA	0.00	0.00	0.00
Debt to NOPAT	0.00	0.00	0.00
Net Debt to NOPAT	0.00	0.00	0.00
Long-Term Debt to NOPAT	0.00	0.00	0.00
Noncontrolling Interest Sharing Ratio	0.00%	0.00%	0.00%
Liquidity Ratios	-	-	-
Cash Flow Metrics	-	-	-
Free Cash Flow to Firm (FCFF)	2.81	2.05	19
Operating Cash Flow to CapEx	1,383.41%	1,782.47%	0.00%
Free Cash Flow to Firm to Interest Expense	0.06	0.05	2.00
Operating Cash Flow to Interest Expense	1.21	1.26	4.26
Operating Cash Flow Less CapEx to Interest Expense	1.13	1.19	4.59
Efficiency Ratios	-	-	-
Asset Turnover	0.06	0.05	0.05
Fixed Asset Turnover	5.89	6.55	4.77
Capital & Investment Metrics	-	-	-
Invested Capital	213	170	144
Invested Capital Turnover	0.51	0.58	0.52
Increase / (Decrease) in Invested Capital	43	26	11
Enterprise Value (EV)	195	46	106
Market Capitalization	436	245	221
Book Value per Share	$22.82	$18.54	$15.81
Tangible Book Value per Share	$21.82	$17.51	$14.72
Total Capital	213	170	144
Total Debt	0.00	0.00	0.00
Total Long-Term Debt	0.00	0.00	0.00
Net Debt	-241	-199	-115
Capital Expenditures (CapEx)	3.98	2.76	-3.08
Net Nonoperating Expense (NNE)	0.00	0.00	0.00
Net Nonoperating Obligations (NNO)	0.00	0.00	0.00
Total Depreciation and Amortization (D&A)	0.29	1.68	2.22
Earnings Adjustments	-	-	-
Adjusted Basic Earnings per Share	$4.92	$3.09	$3.26
Adjusted Weighted Average Basic Shares Outstanding	9.29M	9.16M	9.10M
Adjusted Diluted Earnings per Share	$4.84	$3.05	$3.22
Adjusted Weighted Average Diluted Shares Outstanding	9.45M	9.26M	9.20M
Adjusted Basic & Diluted Earnings per Share	$0.00	$0.00	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	9.45M	9.24M	9.15M
Normalized Net Operating Profit after Tax (NOPAT)	46	28	30
Normalized NOPAT Margin	46.89%	30.80%	40.96%
Pre Tax Income Margin	61.93%	40.55%	54.25%
Debt Service Ratios	-	-	-
EBIT to Interest Expense	1.33	0.95	4.21
NOPAT to Interest Expense	1.01	0.73	3.18
EBIT Less CapEx to Interest Expense	1.24	0.88	4.54
NOPAT Less CapEx to Interest Expense	0.92	0.65	3.51
Payout Ratios	-	-	-
Dividend Payout Ratio	17.63%	22.36%	14.73%
Augmented Payout Ratio	19.09%	24.18%	16.26%

This table displays calculated financial ratios and metrics derived from Bank7's official financial filings.

Metric	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022	Q3 2022
Period end date	12/31/2024	9/30/2024	6/30/2024	3/31/2024	12/31/2023	9/30/2023	6/30/2023	3/31/2023	12/31/2022	9/30/2022
Growth Metrics	-	-	-	-	-	-	-	-	-	-
Revenue Growth	-13.99%	14.44%	14.58%	16.15%	32.93%	9.39%	29.15%	38.94%	43.27%	43.51%
EBITDA Growth	655.95%	48.94%	12.28%	14.12%	-83.20%	34.44%	2.40%	48.98%	48.73%	-7.96%
EBIT Growth	842.99%	51.86%	18.22%	18.55%	-86.26%	-1.92%	38.69%	53.34%	47.79%	24.94%
NOPAT Growth	939.20%	49.97%	18.24%	17.50%	-87.26%	-2.34%	38.75%	55.35%	47.54%	28.37%
Net Income Growth	939.20%	49.97%	18.24%	17.50%	-87.26%	-2.34%	38.75%	55.35%	47.54%	28.37%
EPS Growth	954.55%	45.88%	17.14%	16.35%	-88.04%	-2.30%	38.16%	55.22%	46.03%	26.09%
Operating Cash Flow Growth	-18.98%	4.10%	24.21%	50.64%	65.23%	155.80%	-48.59%	11.62%	37.11%	-11.87%
Free Cash Flow Firm Growth	-26.32%	-1.00%	14.77%	99.63%	-855.45%	-351.39%	-175.17%	-186.24%	86.88%	50.81%
Invested Capital Growth	25.18%	21.59%	17.94%	6.75%	18.20%	23.63%	23.03%	31.35%	8.28%	10.96%
Revenue Q/Q Growth	-3.03%	2.04%	1.58%	-14.42%	29.02%	2.17%	2.97%	-2.06%	6.17%	20.62%
EBITDA Q/Q Growth	-4.77%	5.78%	1.02%	642.80%	-81.24%	-20.25%	2.68%	9.38%	50.11%	-39.26%
EBIT Q/Q Growth	-5.01%	1.58%	2.50%	853.43%	-84.70%	-20.92%	2.79%	10.49%	9.21%	11.82%
NOPAT Q/Q Growth	-5.67%	2.20%	2.09%	955.94%	-86.39%	-19.42%	1.45%	14.52%	4.33%	14.48%
Net Income Q/Q Growth	-5.67%	2.20%	2.09%	955.94%	-86.39%	-19.42%	1.45%	14.52%	4.33%	14.48%
EPS Q/Q Growth	-6.45%	0.81%	1.65%	1,000.00%	-87.06%	-19.05%	0.96%	13.04%	5.75%	14.47%
Operating Cash Flow Q/Q Growth	-2.02%	64.03%	-60.16%	26.54%	25.88%	95.73%	-51.68%	38.80%	94.88%	-60.66%
Free Cash Flow Firm Q/Q Growth	-29.82%	-39.86%	-15,252.63%	99.55%	-3.80%	-18.01%	33.16%	-1,066.92%	50.96%	28.06%
Invested Capital Q/Q Growth	4.43%	7.00%	5.78%	5.90%	1.44%	3.79%	-4.26%	17.27%	6.10%	3.29%
Profitability Metrics	-	-	-	-	-	-	-	-	-	-
EBITDA Margin	62.41%	63.55%	61.30%	61.64%	7.10%	48.83%	62.55%	62.73%	56.18%	39.73%
EBIT Margin	60.98%	62.25%	62.53%	61.97%	5.56%	46.91%	60.60%	60.71%	53.82%	52.32%
Profit (Net Income) Margin	46.02%	47.31%	47.24%	47.00%	3.81%	36.10%	45.77%	46.46%	39.74%	40.44%
Tax Burden Percent	75.47%	76.00%	75.54%	75.84%	68.48%	76.96%	75.53%	76.53%	73.83%	77.29%
Interest Burden Percent	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%
Effective Tax Rate	24.53%	24.00%	24.46%	24.16%	31.52%	23.04%	24.47%	23.47%	26.17%	22.71%
Return on Invested Capital (ROIC)	23.38%	25.78%	26.32%	25.59%	2.22%	20.17%	25.90%	24.40%	20.75%	20.67%
ROIC Less NNEP Spread (ROIC-NNEP)	0.00%	0.00%	0.00%	25.59%	0.00%	0.00%	0.00%	24.40%	20.75%	0.00%
Return on Net Nonoperating Assets (RNNOA)	0.00%	0.00%	0.00%	1.15%	0.00%	0.00%	0.00%	1.29%	0.43%	0.00%
Return on Equity (ROE)	0.00%	0.00%	0.00%	26.74%	0.00%	0.00%	0.00%	25.69%	21.18%	0.00%
Cash Return on Invested Capital (CROIC)	1.47%	-0.32%	1.54%	10.62%	1.30%	2.31%	3.75%	-4.89%	13.43%	10.48%
Operating Return on Assets (OROA)	3.38%	3.59%	3.65%	3.43%	0.30%	2.37%	3.17%	3.08%	2.65%	2.53%
Return on Assets (ROA)	2.55%	2.73%	2.76%	2.60%	0.21%	1.83%	2.40%	2.36%	1.96%	1.96%
Return on Common Equity (ROCE)	0.00%	0.00%	0.00%	26.74%	0.00%	0.00%	0.00%	25.69%	21.18%	0.00%
Return on Equity Simple (ROE_SIMPLE)	0.00%	17.47%	16.63%	16.61%	0.00%	21.20%	22.12%	21.47%	0.00%	19.83%
Net Operating Profit after Tax (NOPAT)	11	12	12	11	1.07	7.85	9.75	9.61	8.39	8.04
NOPAT Margin	46.02%	47.31%	47.24%	47.00%	3.81%	36.10%	45.77%	46.46%	39.74%	40.44%
Net Nonoperating Expense Percent (NNEP)	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
SG&A Expenses to Revenue	29.10%	29.06%	28.75%	28.87%	17.14%	29.53%	29.91%	31.63%	32.83%	30.37%
Operating Expenses to Revenue	39.02%	37.75%	37.47%	38.03%	39.21%	33.97%	34.65%	36.99%	38.49%	35.87%
Earnings before Interest and Taxes (EBIT)	15	15	15	15	1.56	10	13	13	11	10
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	15	16	15	15	1.99	11	13	13	12	7.90
Valuation Ratios	-	-	-	-	-	-	-	-	-	-
Price to Book Value (P/BV)	2.04	1.71	1.52	1.43	1.44	1.19	1.34	1.40	1.53	1.41
Price to Tangible Book Value (P/TBV)	2.14	1.80	1.60	1.51	1.52	1.26	1.43	1.50	1.64	1.52
Price to Revenue (P/Rev)	4.47	3.45	2.95	2.72	2.66	2.36	2.62	2.77	3.05	2.91
Price to Earnings (P/E)	9.54	9.81	9.12	8.63	8.65	5.62	6.08	6.54	7.44	7.12
Dividend Yield	1.93%	2.32%	2.68%	2.82%	2.78%	3.16%	2.53%	2.37%	2.15%	2.28%
Earnings Yield	10.48%	10.19%	10.96%	11.58%	11.56%	17.78%	16.45%	15.29%	13.44%	14.04%
Enterprise Value to Invested Capital (EV/IC)	0.91	0.76	0.35	0.27	0.27	0.08	0.07	0.20	0.74	0.32
Enterprise Value to Revenue (EV/Rev)	2.00	1.52	0.68	0.51	0.50	0.16	0.13	0.43	1.46	0.65
Enterprise Value to EBITDA (EV/EBITDA)	3.22	3.25	1.58	1.18	1.18	0.28	0.23	0.74	2.55	1.15
Enterprise Value to EBIT (EV/EBIT)	3.23	3.27	1.60	1.22	1.23	0.29	0.22	0.78	2.70	1.21
Enterprise Value to NOPAT (EV/NOPAT)	4.27	4.33	2.12	1.61	1.62	0.38	0.30	1.02	3.57	1.60
Enterprise Value to Operating Cash Flow (EV/OCF)	3.54	2.66	1.17	0.86	0.93	0.32	0.30	0.82	2.67	1.16
Enterprise Value to Free Cash Flow (EV/FCFF)	69.38	0.00	24.80	2.60	22.35	3.85	1.93	0.00	5.69	3.19
Leverage & Solvency	-	-	-	-	-	-	-	-	-	-
Debt to Equity	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Long-Term Debt to Equity	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Financial Leverage	0.00	0.00	0.00	0.04	0.00	0.00	0.00	0.05	0.02	0.00
Leverage Ratio	9.16	9.44	9.54	10.27	10.67	11.04	10.80	10.90	10.81	10.56
Compound Leverage Factor	9.16	9.44	9.54	10.27	10.67	11.04	10.80	10.90	10.81	10.56
Debt to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Short-Term Debt to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Long-Term Debt to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Preferred Equity to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Noncontrolling Interests to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Common Equity to Total Capital	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%
Debt to EBITDA	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net Debt to EBITDA	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Long-Term Debt to EBITDA	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Debt to NOPAT	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net Debt to NOPAT	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Long-Term Debt to NOPAT	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Noncontrolling Interest Sharing Ratio	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Liquidity Ratios	-	-	-	-	-	-	-	-	-	-
Cash Flow Metrics	-	-	-	-	-	-	-	-	-	-
Free Cash Flow to Firm (FCFF)	-32	-24	-18	-0.11	-25	-24	-21	-31	-2.63	-5.37
Operating Cash Flow to CapEx	1,063.53%	2,238.19%	505.96%	3,060.78%	6,964.66%	4,292.98%	326.92%	6,197.72%	46,566.67%	0.00%
Free Cash Flow to Firm to Interest Expense	-3.00	-1.99	-1.56	-0.01	-2.27	-2.21	-2.15	-4.17	-0.52	-2.03
Operating Cash Flow to Interest Expense	1.24	1.09	0.73	1.81	1.46	1.17	0.69	1.84	1.92	1.90
Operating Cash Flow Less CapEx to Interest Expense	1.12	1.04	0.58	1.75	1.43	1.14	0.48	1.81	1.92	1.97
Efficiency Ratios	-	-	-	-	-	-	-	-	-	-
Asset Turnover	0.06	0.06	0.06	0.06	0.05	0.05	0.05	0.05	0.05	0.05
Fixed Asset Turnover	5.89	6.32	6.22	6.69	6.55	5.99	5.84	5.82	4.77	5.96
Capital & Investment Metrics	-	-	-	-	-	-	-	-	-	-
Invested Capital	213	204	191	180	170	168	162	169	144	136
Invested Capital Turnover	0.51	0.54	0.56	0.54	0.58	0.56	0.57	0.53	0.52	0.51
Increase / (Decrease) in Invested Capital	43	36	29	11	26	32	30	40	11	13
Enterprise Value (EV)	195	154	67	48	46	13	11	34	106	43
Market Capitalization	436	350	289	259	245	200	218	216	221	192
Book Value per Share	$22.82	$21.86	$20.63	$19.53	$18.54	$18.34	$17.67	$16.83	$15.81	$14.93
Tangible Book Value per Share	$21.82	$20.86	$19.62	$18.51	$17.51	$17.30	$16.62	$15.77	$14.72	$13.88
Total Capital	213	204	191	180	170	168	162	154	144	136
Total Debt	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Total Long-Term Debt	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net Debt	-241	-195	-222	-210	-199	-187	-207	-182	-115	-149
Capital Expenditures (CapEx)	1.23	0.60	1.61	0.67	0.23	0.30	2.01	0.22	0.02	-0.19
Net Nonoperating Expense (NNE)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net Nonoperating Obligations (NNO)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	15	0.00	0.00
Total Depreciation and Amortization (D&A)	0.35	0.32	-0.30	-0.08	0.43	0.42	0.42	0.42	0.50	-2.50
Earnings Adjustments	-	-	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	$1.19	$1.26	$1.25	$1.22	$0.12	$0.86	$1.06	$1.05	$0.93	$0.88
Adjusted Weighted Average Basic Shares Outstanding	9.29M	9.32M	9.25M	9.22M	9.16M	9.16M	9.15M	9.15M	9.10M	9.10M
Adjusted Diluted Earnings per Share	$1.16	$1.24	$1.23	$1.21	$0.11	$0.85	$1.05	$1.04	$0.92	$0.87
Adjusted Weighted Average Diluted Shares Outstanding	9.45M	9.50M	9.37M	9.32M	9.26M	9.27M	9.25M	9.26M	9.20M	9.21M
Adjusted Basic & Diluted Earnings per Share	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	9.45M	9.34M	9.34M	9.25M	9.24M	9.19M	9.16M	9.15M	9.15M	9.12M
Normalized Net Operating Profit after Tax (NOPAT)	11	12	12	11	1.07	7.85	9.75	9.61	8.39	8.04
Normalized NOPAT Margin	46.02%	47.31%	47.24%	47.00%	3.81%	36.10%	45.77%	46.46%	39.74%	40.44%
Pre Tax Income Margin	60.98%	62.25%	62.53%	61.97%	5.56%	46.91%	60.60%	60.71%	53.82%	52.32%
Debt Service Ratios	-	-	-	-	-	-	-	-	-	-
EBIT to Interest Expense	1.39	1.26	1.36	1.32	0.14	0.93	1.35	1.70	2.24	3.93
NOPAT to Interest Expense	1.05	0.96	1.03	1.00	0.10	0.72	1.02	1.30	1.65	3.04
EBIT Less CapEx to Interest Expense	1.27	1.21	1.22	1.26	0.12	0.90	1.14	1.67	2.23	4.00
NOPAT Less CapEx to Interest Expense	0.93	0.91	0.88	0.94	0.08	0.69	0.81	1.27	1.65	3.11
Payout Ratios	-	-	-	-	-	-	-	-	-	-
Dividend Payout Ratio	17.63%	21.73%	22.89%	22.67%	22.36%	15.40%	14.29%	14.34%	14.73%	15.85%
Augmented Payout Ratio	19.09%	23.33%	25.41%	25.32%	24.18%	16.83%	15.93%	15.88%	16.26%	15.85%

Frequently Asked Questions About Bank7's Financials

When does Bank7's financial year end?

According to the most recent income statement we have on file, Bank7's fiscal year ends in December. Their fiscal year 2024 ended on December 31, 2024.

How has Bank7's net income changed over the last 2 years?

Bank7's net income appears to be on an upward trend, with a most recent value of $45.70 million in 2024, rising from $29.64 million in 2022. The previous period was $28.28 million in 2023. Check out Bank7's forecast to explore projected trends and price targets.

How has Bank7 revenue changed over the last 2 years?

Over the last 2 years, Bank7's total revenue changed from $72.37 million in 2022 to $97.45 million in 2024, a change of 34.7%.

How much debt does Bank7 have?

Bank7's total liabilities were at $1.53 billion at the end of 2024, a 4.7% decrease from 2023, and a 6.0% increase since 2022.

How much cash does Bank7 have?

In the past 2 years, Bank7's cash and equivalents has ranged from $109.12 million in 2022 to $234.20 million in 2024, and is currently $234.20 million as of their latest financial filing in 2024.

How has Bank7's book value per share changed over the last 2 years?

Over the last 2 years, Bank7's book value per share changed from 15.81 in 2022 to 22.82 in 2024, a change of 44.4%.

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This page (NASDAQ:BSVN) was last updated on 5/23/2025 by MarketBeat.com Staff

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Bank7 (BSVN) Financials

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Bank7 (BSVN) Financials

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