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Bank7 (BSVN) Financials

Bank7 logo
$43.05 -0.03 (-0.07%)
Closing price 04:00 PM Eastern
Extended Trading
$43.04 -0.01 (-0.02%)
As of 04:10 PM Eastern
Extended trading is trading that happens on electronic markets outside of regular trading hours. This is a fair market value extended hours price provided by Polygon.io. Learn more.
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Annual Income Statements for Bank7

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

Quarterly Income Statements for Bank7

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

Annual Cash Flow Statements for Bank7

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

Quarterly Cash Flow Statements for Bank7

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

Annual Balance Sheets for Bank7

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

Quarterly Balance Sheets for Bank7

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

Annual Metrics And Ratios for Bank7

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%

Quarterly Metrics And Ratios for Bank7

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%

Financials Breakdown Chart

Key Financial Trends

Bank7 Corp. (NASDAQ: BSVN) has demonstrated solid financial performance and growth over the past four years, with its most recent quarterly data from Q4 2024 providing insights into recent trends and operational efficiency.

Highlights and Positive Trends:

  • Consistent Net Interest Income: Bank7’s net interest income has remained strong and stable, with Q4 2024 at approximately $21.7 million, closely aligned with Q3 2024 ($21.2 million) and showing growth compared to earlier years (approx. $20.4 million in Q1 2023 and $20.4 million in Q4 2022).
  • Increasing Non-Interest Income in Recent Quarters: Non-interest income in Q4 2024 was $2.4 million, maintaining a healthy contribution to total revenue. Although fluctuating, this reflects diversification away from pure interest income.
  • Net Income Growth: The company’s quarterly net income rose to approximately $11.1 million in Q4 2024 from $10.7 million in Q4 2023, showing a continuing upward trend from previous years where net income was generally lower (e.g., approximately $8.4 million in Q4 2022).
  • Strong Operating Cash Flow: Bank7 generated $13.1 million in net cash from operating activities in Q4 2024, demonstrating strong cash flow generation capacity from its core banking operations.
  • Equity Growth: Total common equity has increased year-over-year, reaching about $204 million in Q3 2024, up from approximately $180 million in Q1 2024 and $180 million in Q4 2023, supporting its balance sheet strength.
  • Stable Dividend Payments: The company consistently pays out dividends, with quarterly cash dividends per share increasing from $0.12 in early 2023 to $0.24 by Q3 and Q4 2024, indicating confidence in cash flows and profitability.
  • Controlled Expense Growth: Total non-interest expenses have been relatively stable around $9 million per quarter in 2024, marking a manageable cost structure against rising revenues.

Neutral Observations:

  • Investment in Securities: Significant purchases of investment securities have occurred each quarter, with related sales and maturities balancing these, reflecting active asset management to optimize yields.
  • Shares Outstanding: The weighted average diluted shares outstanding have remained steady around 9.3 to 9.4 million shares, indicating low dilution risk from share issuance or repurchases.

Potential Concerns or Negative Trends:

  • Provision for Credit Losses Volatility: The provision for credit losses was very high in Q4 2023 at $15.5 million, severely impacting pre-tax income that quarter. While quieter in 2024 so far, such volatility highlights potential risk exposure in loan quality or economic conditions impacting credit.
  • Decreased Deposits in Q4 2024: Net cash flow from financing activities was negative $10.5 million largely due to an $8.7 million decrease in deposits, which may signal customer withdrawals or tighter liquidity conditions compared to previous quarters.
  • Volatile Investing Cash Flows: The company’s cash flows from investing activities have swung drastically each quarter, ranging from large positive inflows (e.g., nearly $110 million in Q2 2024) to significant outflows (e.g., -$79 million in Q3 2024), indicating potential challenges in timing asset purchases and disposals or market conditions impacting investment securities.

Summary:

Overall, Bank7 displays solid profitability growth, enhanced shareholder equity, and steady income streams from loans and fees. The company effectively manages its cost base and returns capital to shareholders via dividends. However, the significant fluctuation in loan loss provisions and deposit balances suggests continued vigilance is warranted on credit risk and liquidity management. The active management of investment securities portfolio creates variability in cash flows but also opportunities for yield enhancement.

Retail investors might view Bank7 as a steadily growing community bank with improving earnings and cash flow metrics but should be mindful of episodic credit and liquidity pressures impacting quarterly results.

10/20/25 07:01 PM ETAI Generated. May Contain Errors.

Frequently Asked Questions About Bank7's Financials

When does Bank7's fiscal year end?

According to the most recent income statement we have on file, Bank7's financial year ends in December. Their financial 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 Bank7's forecast for analyst expectations on what’s next for the company.

How has Bank7's 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 10/20/2025 by MarketBeat.com Staff
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