Bank7 (BSVN) Financials

$37.44 +0.50 (+1.35%)

Closing price 05/2/2025 04:00 PM Eastern

Extended Trading

$37.43 -0.01 (-0.03%)

As of 05/2/2025 04:09 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	2022	2023	2024
Period end date	12/31/2022	12/31/2023	12/31/2024
Net Income / (Loss) Attributable to Common Shareholders	30	28	46
Consolidated Net Income / (Loss)	30	28	46
Net Income / (Loss) Continuing Operations	30	28	46
Total Pre-Tax Income	39	37	60
Total Revenue	72	92	97
Net Interest Income / (Expense)	69	83	86
Total Interest Income	79	122	132
Loans and Leases Interest Income	74	110	119
Investment Securities Interest Income	2.67	3.12	2.80
Deposits and Money Market Investments Interest Income	0.05	0.52	0.79
Other Interest Income	1.63	8.06	8.54
Total Interest Expense	9.32	39	45
Deposits Interest Expense	9.32	39	45
Total Non-Interest Income	2.94	9.24	11
Service Charges on Deposit Accounts	0.90	0.87	0.98
Other Service Charges	1.68	8.06	9.92
Net Realized & Unrealized Capital Gains on Investments	-0.13	-0.02	-0.01
Other Non-Interest Income	0.49	0.33	0.37
Provision for Credit Losses	4.47	21	0.00
Total Non-Interest Expense	29	33	37
Salaries and Employee Benefits	17	17	21
Net Occupancy & Equipment Expense	5.87	5.41	5.61
Marketing Expense	1.82	1.34	1.82
Other Operating Expenses	3.91	9.28	8.89
Income Tax Expense	9.62	8.95	15
Basic Earnings per Share	$3.26	$3.09	$4.92
Weighted Average Basic Shares Outstanding	9.10M	9.16M	9.29M
Diluted Earnings per Share	$3.22	$3.05	$4.84
Weighted Average Diluted Shares Outstanding	9.20M	9.26M	9.45M
Weighted Average Basic & Diluted Shares Outstanding	9.15M	9.24M	9.45M
Cash Dividends to Common per Share	$0.52	$0.74	$0.89

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

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

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

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

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

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

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

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

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

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

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. See where experts think Bank7 is headed by visiting Bank7's forecast page.

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 5/3/2025 by MarketBeat.com Staff

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Bank7 (BSVN) Financials

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Bank7 (BSVN) Financials

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