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Bank7 (BSVN) Financials

Bank7 logo
$49.67 -2.08 (-4.02%)
Closing price 07/8/2026 04:00 PM Eastern
Extended Trading
$49.95 +0.28 (+0.56%)
As of 07/8/2026 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 Massive. 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 17 24 25 8.23 19 23 30 28 46 43
Consolidated Net Income / (Loss)		 17 24 25 8.23 19 23 30 28 46 43
Net Income / (Loss) Continuing Operations		 17 24 25 8.23 19 23 30 28 46 43
Total Pre-Tax Income 		17 24 26 15 26 31 39 37 60 57
Total Revenue		 31 40 41 44 49 55 72 92 97 96
Net Interest Income / (Expense)		 30 38 40 42 47 53 69 83 86 88
Total Interest Income		 33 43 47 52 53 56 79 122 132 129
Loans and Leases Interest Income		 32 41 44 48 52 56 74 110 119 118
Investment Securities Interest Income		 - - - 0.00 0.00 0.17 2.67 3.12 2.80 1.33
Deposits and Money Market Investments Interest Income		 0.33 0.83 1.93 1.71 0.53 0.17 0.05 0.52 0.79 0.56
Other Interest Income		 - - - 1.80 0.34 0.18 1.63 8.06 8.54 9.35
Total Interest Expense		 3.30 4.74 7.17 9.52 6.15 3.05 9.32 39 45 41
Deposits Interest Expense		 3.04 4.50 6.99 9.52 6.15 3.05 9.32 39 45 41
Total Non-Interest Income		 1.64 1.44 1.33 1.31 1.67 2.25 2.94 9.24 11 8.50
Service Charges on Deposit Accounts		 0.35 0.34 0.35 0.39 0.44 0.55 0.90 0.87 0.98 0.94
Other Service Charges		 1.24 0.92 0.77 0.75 1.05 1.27 1.68 8.06 9.92 6.25
Net Realized & Unrealized Capital Gains on Investments		 - - - - 0.00 0.00 -0.13 -0.02 -0.01 -0.01
Other Non-Interest Income		 0.06 0.18 0.21 0.16 0.18 0.44 0.49 0.33 0.37 1.33
Provision for Credit Losses		 1.55 1.25 0.20 0.00 5.35 4.18 4.47 21 0.00 0.70
Total Non-Interest Expense		 13 15 15 28 18 20 29 33 37 39
Salaries and Employee Benefits		 6.52 7.61 8.11 21 10 12 17 17 21 23
Net Occupancy & Equipment Expense		 2.65 2.77 2.96 3.58 3.92 4.02 5.87 5.41 5.61 5.99
Marketing Expense		 1.32 1.76 1.56 1.71 1.18 1.49 1.82 1.34 1.82 2.11
Other Operating Expenses		 2.64 2.39 2.34 1.87 2.37 2.90 3.91 9.28 8.89 8.18
Income Tax Expense		 0.00 0.00 0.80 6.84 6.62 7.76 9.62 8.95 15 14
Basic Earnings per Share		 $2.31 $3.26 $3.08 $0.81 $2.05 $2.56 $3.26 $3.09 $4.92 $4.56
Weighted Average Basic Shares Outstanding		 7.29M 7.29M 8.11M 10.15M 9.38M 9.06M 9.10M 9.16M 9.29M 9.44M
Diluted Earnings per Share		 $2.31 $3.26 $3.03 $0.81 $2.05 $2.55 $3.22 $3.05 $4.84 $4.50
Weighted Average Diluted Shares Outstanding		 7.29M 7.29M 8.24M 10.15M 9.38M 9.09M 9.20M 9.26M 9.45M 9.57M
Cash Dividends to Common per Share		 $0.96 $1.34 $7.71 $0.60 $0.41 $0.45 $0.52 $0.74 $0.89 $1.02

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 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Income / (Loss) Attributable to Common Shareholders		 7.85 1.07 11 12 12 11 10 11 11 11 12
Consolidated Net Income / (Loss)		 7.85 1.07 11 12 12 11 10 11 11 11 12
Net Income / (Loss) Continuing Operations		 7.85 1.07 11 12 12 11 10 11 11 11 12
Total Pre-Tax Income 		10 1.56 15 15 15 15 14 15 14 14 16
Total Revenue		 22 28 24 24 25 24 23 24 25 24 26
Net Interest Income / (Expense)		 21 21 22 21 21 22 21 22 23 22 24
Total Interest Income		 32 32 33 32 33 32 30 32 34 33 34
Loans and Leases Interest Income		 29 29 30 29 31 30 27 29 31 30 32
Investment Securities Interest Income		 0.78 0.76 1.09 1.02 0.37 0.33 0.35 0.34 0.33 0.32 0.31
Deposits and Money Market Investments Interest Income		 0.16 0.25 0.25 0.25 0.18 0.11 0.10 0.15 0.16 0.16 0.11
Other Interest Income		 1.90 2.66 1.83 2.24 2.15 2.31 2.67 2.33 2.32 2.04 1.75
Total Interest Expense		 11 11 11 11 12 11 9.60 10 11 11 9.59
Deposits Interest Expense		 11 11 11 11 12 11 9.60 10 11 11 9.59
Total Non-Interest Income		 1.01 6.77 2.01 3.17 3.68 2.40 1.76 2.70 2.21 1.84 1.97
Service Charges on Deposit Accounts		 0.21 0.22 0.25 0.26 0.23 0.23 0.22 0.23 0.25 0.24 0.25
Other Service Charges		 0.80 6.39 1.71 2.83 3.35 2.04 1.45 1.95 1.58 1.27 1.34
Other Non-Interest Income		 0.01 0.16 0.05 0.08 0.10 0.14 0.09 0.52 0.39 0.32 0.38
Provision for Credit Losses		 4.16 16 0.00 0.00 0.00 - 0.00 0.00 0.70 - 0.00
Total Non-Interest Expense		 7.39 11 9.14 9.14 9.40 9.42 8.88 9.73 10 9.95 10
Salaries and Employee Benefits		 4.91 3.09 5.29 5.12 5.33 5.04 5.28 5.72 5.83 5.80 6.33
Net Occupancy & Equipment Expense		 1.34 1.40 1.35 1.42 1.47 1.37 1.35 1.58 1.53 1.53 1.57
Marketing Expense		 0.17 0.32 0.30 0.48 0.43 0.61 0.36 0.50 0.55 0.71 0.83
Other Operating Expenses		 0.97 6.19 2.20 2.13 2.16 2.40 1.90 1.93 2.45 1.90 1.61
Income Tax Expense		 2.35 0.49 3.60 3.73 3.72 3.61 3.38 3.60 3.34 3.38 3.82
Basic Earnings per Share		 $0.86 $0.12 $1.22 $1.25 $1.26 $1.19 $1.10 $1.18 $1.15 $1.13 $1.26
Weighted Average Basic Shares Outstanding		 9.16M 9.16M 9.22M 9.25M 9.32M 9.29M 9.42M 9.45M 9.45M 9.44M 9.49M
Diluted Earnings per Share		 $0.85 $0.11 $1.21 $1.23 $1.24 $1.16 $1.08 $1.16 $1.13 $1.13 $1.25
Weighted Average Diluted Shares Outstanding		 9.27M 9.26M 9.32M 9.37M 9.50M 9.45M 9.55M 9.55M 9.60M 9.57M 9.60M
Weighted Average Basic & Diluted Shares Outstanding		 9.19M 9.24M 9.25M 9.34M 9.34M 9.45M 9.45M - - 0.00 9.52M
Cash Dividends to Common per Share		 $0.21 - $0.21 $0.21 $0.24 - $0.24 $0.24 $0.27 - $0.27

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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Change in Cash & Equivalents		 8.07 26 28 -11 37 51 -96 72 53 10
Net Cash From Operating Activities		 19 26 27 19 25 30 40 49 55 46
Net Cash From Continuing Operating Activities		 19 26 27 19 25 30 40 49 55 46
Net Income / (Loss) Continuing Operations		 17 24 25 8.23 19 23 30 28 46 43
Consolidated Net Income / (Loss)		 17 24 25 8.23 19 23 30 28 46 43
Provision For Loan Losses		 1.55 1.25 0.20 0.00 5.35 4.18 4.47 21 0.00 0.70
Depreciation Expense		 0.80 1.09 1.10 0.85 1.09 1.03 1.41 1.30 1.06 1.12
Amortization Expense		 - - - 0.00 0.00 0.03 0.81 0.38 -0.77 0.20
Non-Cash Adjustments to Reconcile Net Income		 -0.30 -0.14 -1.05 11 0.60 1.13 0.53 0.13 2.93 0.65
Changes in Operating Assets and Liabilities, net		 0.49 -0.11 1.75 -1.32 -1.07 0.60 2.86 -2.10 6.13 0.40
Net Cash From Investing Activities		 -44 -66 -38 -108 -120 -43 -343 -131 80 -211
Net Cash From Continuing Investing Activities		 -44 -66 -38 -108 -120 -43 -343 -131 80 -211
Purchase of Property, Leasehold Improvements and Equipment		 -2.32 -3.97 -0.38 -3.10 -0.44 -0.60 -0.29 -2.83 -4.20 -4.74
Purchase of Investment Securities		 -44 -64 -42 -124 -147 -58 -380 -144 -131 -227
Sale of Property, Leasehold Improvements and Equipment		 0.00 0.00 1.34 0.40 0.03 0.02 3.37 0.08 0.22 0.00
Sale and/or Maturity of Investments		 2.39 2.34 3.93 19 28 15 34 16 215 21
Other Investing Activities, net		 - - -0.01 -0.05 -0.07 -0.03 -0.01 -0.07 0.00 -0.04
Net Cash From Financing Activities		 33 66 39 78 131 64 207 154 -82 175
Net Cash From Continuing Financing Activities		 33 66 39 78 131 64 207 154 -82 175
Net Change in Deposits		 41 76 50 82 148 68 212 160 -76 185
Issuance of Common Equity		 0.00 - - -2.65 -9.08 0.00 0.00 0.00 0.00 0.00
Repurchase of Common Equity		 - 0.00 0.00 - - -0.18 -0.45 -0.51 -0.67 -1.28
Payment of Dividends		 -7.00 -9.75 -56 -1.01 -7.80 -3.98 -4.37 -6.32 -8.06 -9.34
Other Financing Activities, Net		 0.00 0.00 50 - 0.00 0.00 0.31 0.50 2.59 0.15
Cash Interest Paid		 3.30 4.74 7.30 9.34 6.50 3.22 9.10 38 46 41
Cash Income Taxes Paid		 - 0.00 0.00 6.78 7.73 7.51 9.98 11 15 14

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 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Change in Cash & Equivalents		 -27 12 12 17 -23 47 6.37 -22 23 2.87 2.07
Net Cash From Operating Activities		 13 16 20 8.15 13 13 11 9.45 17 9.06 17
Net Cash From Continuing Operating Activities		 13 16 20 8.15 13 13 11 9.45 17 9.06 17
Net Income / (Loss) Continuing Operations		 7.85 1.07 11 12 12 11 10 11 11 11 12
Consolidated Net Income / (Loss)		 7.85 1.07 11 12 12 11 10 11 11 11 12
Depreciation Expense		 0.32 0.33 0.30 0.26 0.25 0.25 0.25 0.29 0.29 0.29 0.29
Amortization Expense		 0.10 0.10 -0.37 -0.56 0.07 0.10 0.06 0.05 0.04 0.05 0.04
Non-Cash Adjustments to Reconcile Net Income		 -1.48 1.27 1.20 1.15 0.22 0.36 -1.34 0.59 1.15 0.24 -0.65
Changes in Operating Assets and Liabilities, net		 1.89 -2.12 8.04 -4.23 1.04 1.28 1.69 -2.59 3.60 -2.30 4.96
Net Cash From Investing Activities		 -122 -0.37 5.23 109 -79 45 -37 -72 -34 -67 19
Net Cash From Continuing Investing Activities		 -122 -0.37 5.23 109 -79 45 -37 -72 -34 -68 19
Purchase of Property, Leasehold Improvements and Equipment		 -0.38 -0.23 -0.67 -1.61 -0.61 -1.31 -2.80 -0.64 -0.21 -1.08 -2.49
Purchase of Investment Securities		 -125 -4.74 -99 18 -88 38 -38 -77 -39 -72 13
Sale of Property, Leasehold Improvements and Equipment		 0.08 - - - 0.02 0.08 0.00 - - - 0.02
Sale and/or Maturity of Investments		 3.57 4.64 105 93 9.45 8.20 3.13 6.16 5.44 5.89 8.37
Net Cash From Financing Activities		 82 -4.24 -14 -101 43 -11 33 41 40 61 -33
Net Cash From Continuing Financing Activities		 82 -4.24 -14 -101 43 -11 33 41 40 61 -33
Net Change in Deposits		 83 -2.18 -11 -99 43 -8.75 36 43 43 64 -29
Repurchase of Common Equity		 -0.23 -0.15 -0.42 -0.00 -0.01 -0.24 -1.02 -0.00 -0.01 -0.25 -1.18
Payment of Dividends		 -1.46 -1.93 -1.93 -1.94 -1.94 -2.24 -2.25 -2.27 -2.27 -2.55 -2.56
Other Financing Activities, Net		 0.24 0.02 0.07 0.27 1.58 0.69 0.10 0.02 0.03 - 0.05
Cash Interest Paid		 11 11 11 11 12 11 9.75 10 11 11 9.56
Cash Income Taxes Paid		 3.56 0.19 0.10 7.43 3.34 4.19 0.00 7.24 3.18 3.30 0.00

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 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Total Assets		 704 771 866 1,017 1,351 1,584 1,772 1,740 1,964
Cash and Due from Banks		 100 128 117 154 195 109 181 234 245
Interest Bearing Deposits at Other Banks		 30 32 30 16 3.24 5.47 18 6.72 10
Trading Account Securities		 1.05 1.06 1.10 1.17 85 174 171 61 57
Loans and Leases, Net of Allowance		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 1,379 0.00
Premises and Equipment, Net		 9.60 7.75 9.62 9.15 17 13 15 18 22
Goodwill		 - - - 1.01 8.48 8.60 8.46 8.46 11
Intangible Assets		 2.20 2.00 1.79 0.57 1.64 1.34 1.03 0.88 0.75
Other Assets		 4.79 7.27 6.12 834 - 1,272 1,377 31 1,617
Total Liabilities & Shareholders' Equity		 704 771 866 1,017 1,351 1,584 1,772 1,740 1,964
Total Liabilities		 634 682 766 909 1,217 1,440 1,601 1,527 1,713
Non-Interest Bearing Deposits		 166 201 219 247 367 442 482 313 341
Interest Bearing Deposits		 460 475 538 659 851 990 1,109 1,202 1,359
Accrued Interest Payable		 2.99 4.23 8.43 3.84 - 7.62 9.65 11 11
Other Long-Term Liabilities		 0.00 1.91 0.36 - - 1.05 0.30 0.08 0.59
Total Equity & Noncontrolling Interests		 69 88 100 107 127 144 170 213 251
Total Preferred & Common Equity		 69 88 100 107 127 144 170 213 251
Total Common Equity		 69 88 100 107 127 144 170 213 251
Common Stock		 7.06 80 92 93 94 95 98 102 104
Retained Earnings		 62 8.09 7.63 14 33 58 79 116 150
Accumulated Other Comprehensive Income / (Loss)		 - - - 0.00 0.14 -9.30 -6.15 -4.97 -2.55

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 Q1 2025 Q2 2025 Q3 2025 Q1 2026
Period end date 9/30/2022 3/31/2023 6/30/2023 9/30/2023 3/31/2024 6/30/2024 9/30/2024 3/31/2025 6/30/2025 9/30/2025 3/31/2026
Total Assets		 1,581 1,661 1,681 1,772 1,775 1,683 1,740 1,785 1,836 1,891 1,945
Cash and Due from Banks		 147 177 196 169 193 210 187 241 219 242 247
Interest Bearing Deposits at Other Banks		 1.49 4.98 10 17 17 12 8.72 13 14 15 3.74
Trading Account Securities		 176 173 172 170 153 68 66 63 61 58 57
Loans and Leases, Net of Allowance		 0.00 0.00 0.00 0.00 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 21 21 21 24
Goodwill		 8.07 8.46 8.46 8.46 8.46 8.46 8.46 11 11 11 11
Intangible Assets		 1.41 1.26 1.18 1.11 0.97 0.94 0.91 0.85 0.82 0.78 0.72
Other Assets		 1,233 - 1,278 1,392 1,387 1,367 1,452 1,436 1,509 1,544 1,601
Total Liabilities & Shareholders' Equity		 1,581 1,661 1,681 1,772 1,775 1,683 1,740 1,785 1,836 1,891 1,945
Total Liabilities		 1,445 1,492 1,520 1,604 1,595 1,492 1,536 1,564 1,604 1,650 1,685
Non-Interest Bearing Deposits		 498 424 398 481 452 350 322 328 316 341 337
Interest Bearing Deposits		 940 1,067 1,111 1,113 1,128 1,131 1,202 1,224 1,278 1,296 1,335
Accrued Interest Payable		 7.35 - 11 11 10 11 12 8.96 10 13 9.97
Other Long-Term Liabilities		 0.45 - 0.36 0.42 3.95 0.00 0.43 3.57 0.00 0.15 3.91
Total Equity & Noncontrolling Interests		 136 154 162 168 180 191 204 222 232 242 260
Total Preferred & Common Equity		 136 154 162 168 180 191 204 222 232 242 260
Total Common Equity		 136 154 162 168 180 191 204 222 232 242 260
Common Stock		 95 96 97 97 98 99 101 102 102 103 103
Retained Earnings		 51 66 74 80 88 98 107 124 133 141 159
Accumulated Other Comprehensive Income / (Loss)		 -10 -7.55 -8.71 -9.08 -5.69 -5.75 -4.12 -4.33 -3.74 -3.02 -2.69

Annual Metrics And Ratios for Bank7

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

Metric 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
DEI Shares Outstanding		 0.00 0.00 10,187,500.00 10,057,506.00 9,044,765.00 9,071,417.00 - - - 9,449,237.00
DEI Adjusted Shares Outstanding		 0.00 0.00 10,187,500.00 10,057,506.00 9,044,765.00 9,071,417.00 - - - 9,449,237.00
DEI Earnings Per Adjusted Shares Outstanding		 0.00 0.00 2.45 0.82 2.13 2.55 - - - 4.56
Growth Metrics		 - - - - - - - - - -
Revenue Growth		 0.00% 25.63% 3.53% 6.20% 12.24% 13.64% 30.42% 26.84% 6.17% -1.10%
EBITDA Growth		 0.00% 41.22% 8.11% -40.81% 69.47% 18.53% 29.71% -6.19% 55.88% -4.23%
EBIT Growth		 0.00% 41.46% 8.44% -41.59% 71.77% 19.43% 26.99% -5.18% 62.14% -5.95%
NOPAT Growth		 0.00% 41.46% 5.09% -67.10% 134.24% 20.21% 27.98% -4.60% 61.62% -5.75%
Net Income Growth		 0.00% 41.46% 5.09% -67.10% 134.24% 20.21% 27.98% -4.60% 61.62% -5.75%
EPS Growth		 0.00% 41.13% -7.06% -73.27% 153.09% 24.39% 26.27% -5.28% 58.69% -7.02%
Operating Cash Flow Growth		 0.00% 33.68% 4.34% -28.97% 31.57% 19.41% 31.80% 23.70% 12.05% -16.19%
Free Cash Flow Firm Growth		 0.00% 0.00% 122.18% -130.37% 451.47% -121.54% 816.00% -88.99% 37.19% 88.08%
Invested Capital Growth		 0.00% 0.00% 18.31% 13.18% 7.18% 24.00% 8.28% 18.20% 25.18% 17.72%
Revenue Q/Q Growth		 0.00% 0.00% 0.00% -49.25% 23.73% 196.92% 9.66% 8.20% -3.87% -0.04%
EBITDA Q/Q Growth		 0.00% 0.00% 0.00% -73.00% 37.94% 832.36% 10.34% -20.23% 27.48% -0.98%
EBIT Q/Q Growth		 0.00% 0.00% 0.00% -73.93% 39.58% 670.47% 10.33% -20.84% 27.88% -0.98%
NOPAT Q/Q Growth		 0.00% 0.00% 0.00% -11.42% 1.25% 4.26% 10.04% -20.56% 28.16% -0.75%
Net Income Q/Q Growth		 0.00% 0.00% 0.00% -11.42% 1.25% 4.26% 10.04% -20.56% 28.16% -0.75%
EPS Q/Q Growth		 0.00% 0.00% 0.00% 5.19% 3.54% 4.51% 9.90% -20.98% 27.70% -0.66%
Operating Cash Flow Q/Q Growth		 0.00% 0.00% 6.84% -10.99% 9.59% 1.39% 7.14% 14.92% -5.28% -8.04%
Free Cash Flow Firm Q/Q Growth		 0.00% 0.00% 0.00% 0.00% -16.24% -151.66% 37.64% -41.57% 570.85% -9.16%
Invested Capital Q/Q Growth		 0.00% 0.00% 0.00% -0.49% 1.99% 8.72% 6.10% 1.44% 4.43% 3.83%
Profitability Metrics		 - - - - - - - - - -
EBITDA Margin		 55.94% 62.87% 65.66% 36.59% 55.25% 57.63% 57.31% 42.39% 62.23% 60.27%
EBIT Margin		 53.40% 60.12% 62.98% 34.64% 53.01% 55.72% 54.25% 40.55% 61.93% 58.90%
Profit (Net Income) Margin		 53.40% 60.12% 61.03% 18.91% 39.46% 41.74% 40.96% 30.80% 46.89% 44.69%
Tax Burden Percent		 100.00% 100.00% 96.91% 54.58% 74.43% 74.91% 75.50% 75.96% 75.72% 75.87%
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		 0.00% 0.00% 3.09% 45.42% 25.57% 25.09% 24.50% 24.04% 24.28% 24.13%
Return on Invested Capital (ROIC)		 0.00% 63.63% 30.63% 8.72% 18.57% 19.27% 21.39% 17.99% 23.83% 18.56%
ROIC Less NNEP Spread (ROIC-NNEP)		 0.00% 63.63% 30.63% 0.00% 0.00% 19.27% 21.39% 0.00% 0.00% 0.00%
Return on Net Nonoperating Assets (RNNOA)		 0.00% 5.15% 1.09% 0.00% 0.00% 0.47% 0.45% 0.00% 0.00% 0.00%
Return on Equity (ROE)		 0.00% 68.78% 31.72% 0.00% 0.00% 19.73% 21.83% 0.00% 0.00% 0.00%
Cash Return on Invested Capital (CROIC)		 0.00% -136.37% 13.86% -3.64% 11.64% -2.16% 13.43% 1.30% 1.47% 2.28%
Operating Return on Assets (OROA)		 0.00% 3.38% 3.50% 1.84% 2.75% 2.61% 2.68% 2.22% 3.44% 3.07%
Return on Assets (ROA)		 0.00% 3.38% 3.39% 1.00% 2.05% 1.96% 2.02% 1.69% 2.60% 2.33%
Return on Common Equity (ROCE)		 0.00% 68.78% 31.72% 0.00% 0.00% 19.73% 21.83% 0.00% 0.00% 0.00%
Return on Equity Simple (ROE_SIMPLE)		 0.00% 34.39% 28.26% 8.21% 17.95% 18.18% 20.57% 16.60% 21.43% 17.16%
Net Operating Profit after Tax (NOPAT)		 17 24 25 8.23 19 23 30 28 46 43
NOPAT Margin		 53.40% 60.12% 61.03% 18.91% 39.46% 41.74% 40.96% 30.80% 46.89% 44.69%
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		 33.30% 30.68% 30.83% 61.06% 31.18% 31.53% 34.17% 26.30% 28.94% 31.89%
Operating Expenses to Revenue		 41.67% 36.73% 36.53% 65.36% 36.03% 36.76% 39.58% 36.41% 38.07% 40.37%
Earnings before Interest and Taxes (EBIT)		 17 24 26 15 26 31 39 37 60 57
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 18 25 27 16 27 32 41 39 61 58
Valuation Ratios		 - - - - - - - - - -
Price to Book Value (P/BV)		 0.00 0.93 1.31 1.67 1.09 1.53 1.53 1.44 2.04 0.00
Price to Tangible Book Value (P/TBV)		 0.00 0.96 1.34 1.70 1.11 1.67 1.64 1.52 2.14 0.00
Price to Revenue (P/Rev)		 2.05 1.63 2.82 3.85 2.41 3.52 3.05 2.66 4.47 0.00
Price to Earnings (P/E)		 3.84 2.72 4.63 20.35 6.10 8.43 7.44 8.65 9.54 0.00
Dividend Yield		 0.00% 0.00% 0.00% 1.20% 3.16% 2.09% 2.15% 2.78% 1.93% 2.51%
Earnings Yield		 26.03% 36.83% 21.61% 4.91% 16.40% 11.86% 13.44% 11.56% 10.48% 0.00%
Enterprise Value to Invested Capital (EV/IC)		 0.00 0.00 0.00 0.20 0.00 0.00 0.74 0.27 0.91 0.00
Enterprise Value to Revenue (EV/Rev)		 0.00 0.00 0.00 0.46 0.00 0.00 1.46 0.50 2.00 0.00
Enterprise Value to EBITDA (EV/EBITDA)		 0.00 0.00 0.00 1.26 0.00 0.00 2.55 1.18 3.22 0.00
Enterprise Value to EBIT (EV/EBIT)		 0.00 0.00 0.00 1.33 0.00 0.00 2.70 1.23 3.23 0.00
Enterprise Value to NOPAT (EV/NOPAT)		 0.00 0.00 0.00 2.44 0.00 0.00 3.57 1.62 4.27 0.00
Enterprise Value to Operating Cash Flow (EV/OCF)		 0.00 0.00 0.00 1.05 0.00 0.00 2.67 0.93 3.54 0.00
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 0.00 0.00 0.00 0.00 5.69 22.35 69.38 0.00
Leverage & Solvency		 - - - - - - - - - -
Debt to Equity		 0.00 0.08 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Long-Term Debt to Equity		 0.00 0.08 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Financial Leverage		 0.00 0.08 0.04 0.00 0.00 0.02 0.02 0.00 0.00 0.00
Leverage Ratio		 0.00 10.17 9.35 8.68 9.08 10.09 10.81 10.67 9.16 7.98
Compound Leverage Factor		 0.00 10.17 9.35 8.68 9.08 10.09 10.81 10.67 9.16 7.98
Debt to Total Capital		 0.00% 7.49% 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% 7.49% 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		 0.00% 92.51% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Debt to EBITDA		 0.00 0.23 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Debt to EBITDA		 0.00 -5.01 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Long-Term Debt to EBITDA		 0.00 0.23 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Debt to NOPAT		 0.00 0.24 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Debt to NOPAT		 0.00 -5.24 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Long-Term Debt to NOPAT		 0.00 0.24 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)		 0.00 -51 11 -3.44 12 -2.60 19 2.05 2.81 5.29
Operating Cash Flow to CapEx		 834.71% 651.98% 0.00% 711.16% 6,139.90% 5,177.49% 0.00% 1,782.47% 1,383.41% 973.33%
Free Cash Flow to Firm to Interest Expense		 0.00 -10.76 1.58 -0.36 1.96 -0.85 2.00 0.05 0.06 0.13
Operating Cash Flow to Interest Expense		 5.86 5.46 3.77 2.02 4.10 9.87 4.26 1.26 1.21 1.13
Operating Cash Flow Less CapEx to Interest Expense		 5.16 4.62 3.90 1.73 4.03 9.68 4.59 1.19 1.13 1.01
Efficiency Ratios		 - - - - - - - - - -
Asset Turnover		 0.00 0.06 0.06 0.05 0.05 0.05 0.05 0.05 0.06 0.05
Fixed Asset Turnover		 0.00 4.12 4.72 5.01 5.20 4.20 4.77 6.55 5.89 4.82
Capital & Investment Metrics		 - - - - - - - - - -
Invested Capital		 0.00 75 88 100 107 133 144 170 213 251
Invested Capital Turnover		 0.00 1.06 0.50 0.46 0.47 0.46 0.52 0.58 0.51 0.42
Increase / (Decrease) in Invested Capital		 0.00 75 14 12 7.19 26 11 26 43 38
Enterprise Value (EV)		 0.00 -60 -44 20 -53 -13 106 46 195 0.00
Market Capitalization		 65 65 116 167 117 195 221 245 436 0.00
Book Value per Share		 $0.00 $9.49 $8.68 $9.96 $11.87 $14.05 $15.81 $18.54 $22.82 $26.58
Tangible Book Value per Share		 $0.00 $9.19 $8.49 $9.78 $11.69 $12.93 $14.72 $17.51 $21.82 $25.31
Total Capital		 0.00 75 88 100 107 127 144 170 213 251
Total Debt		 0.00 5.60 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Long-Term Debt		 0.00 5.60 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Debt		 0.00 -125 -160 -147 -170 -208 -115 -199 -241 -255
Capital Expenditures (CapEx)		 2.32 3.97 -0.96 2.70 0.41 0.58 -3.08 2.76 3.98 4.74
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 5.60 0.00 0.00 0.00 5.67 0.00 0.00 0.00 0.00
Total Depreciation and Amortization (D&A)		 0.80 1.09 1.10 0.85 1.09 1.06 2.22 1.68 0.29 1.32
Earnings Adjustments		 - - - - - - - - - -
Adjusted Basic Earnings per Share		 $2.31 $3.26 $3.08 $0.81 $2.05 $2.56 $3.26 $3.09 $4.92 $4.56
Adjusted Weighted Average Basic Shares Outstanding		 7.29M 7.29M 8.11M 10.15M 9.38M 9.06M 9.10M 9.16M 9.29M 9.44M
Adjusted Diluted Earnings per Share		 $2.31 $3.26 $3.03 $0.81 $2.05 $2.55 $3.22 $3.05 $4.84 $4.50
Adjusted Weighted Average Diluted Shares Outstanding		 7.29M 7.29M 8.24M 10.15M 9.38M 9.09M 9.20M 9.26M 9.45M 9.57M
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		 0.00 7.30M 10.19M 9.26M 9.05M 9.09M 9.15M 9.24M 9.45M 0.00
Normalized Net Operating Profit after Tax (NOPAT)		 12 17 25 8.23 19 23 30 28 46 43
Normalized NOPAT Margin		 37.38% 42.09% 61.03% 18.91% 39.46% 41.74% 40.96% 30.80% 46.89% 44.69%
Pre Tax Income Margin		 53.40% 60.12% 62.98% 34.64% 53.01% 55.72% 54.25% 40.55% 61.93% 58.90%
Debt Service Ratios		 - - - - - - - - - -
EBIT to Interest Expense		 5.09 5.02 3.60 1.58 4.21 10.13 4.21 0.95 1.33 1.39
NOPAT to Interest Expense		 5.09 5.02 3.49 0.86 3.13 7.59 3.18 0.73 1.01 1.05
EBIT Less CapEx to Interest Expense		 4.39 4.18 3.73 1.30 4.14 9.94 4.54 0.88 1.24 1.27
NOPAT Less CapEx to Interest Expense		 4.39 4.18 3.62 0.58 3.06 7.40 3.51 0.65 0.92 0.94
Payout Ratios		 - - - - - - - - - -
Dividend Payout Ratio		 41.59% 40.98% 224.62% 12.23% 40.50% 17.19% 14.73% 22.36% 17.63% 21.69%
Augmented Payout Ratio		 41.59% 40.98% 224.62% 12.23% 40.50% 17.96% 16.26% 24.18% 19.09% 24.66%

Quarterly Metrics And Ratios for Bank7

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

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
DEI Shares Outstanding		 - - - - - - 9,448,237.00 9,449,237.00 9,449,237.00 9,449,237.00 9,449,237.00
DEI Adjusted Shares Outstanding		 - - - - - - 9,448,237.00 9,449,237.00 9,449,237.00 9,449,237.00 9,449,237.00
DEI Earnings Per Adjusted Shares Outstanding		 - - - - - - 1.09 1.18 1.15 1.14 1.27
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 9.39% 32.93% 16.15% 14.58% 14.44% -13.99% -5.92% 0.17% 1.37% -0.14% 15.77%
EBITDA Growth		 34.44% -83.20% 14.12% 12.28% 48.94% 655.95% -5.28% 0.62% -8.22% -3.80% 15.17%
EBIT Growth		 -1.92% -86.26% 18.55% 18.22% 51.86% 842.99% -7.86% -3.59% -8.45% -3.81% 15.37%
NOPAT Growth		 -2.34% -87.26% 17.50% 18.24% 49.97% 939.20% -8.43% -3.64% -7.92% -2.93% 16.16%
Net Income Growth		 -2.34% -87.26% 17.50% 18.24% 49.97% 939.20% -8.43% -3.64% -7.92% -2.93% 16.16%
EPS Growth		 -2.30% -88.04% 16.35% 17.14% 45.88% 954.55% -10.74% -5.69% -8.87% -2.59% 15.74%
Operating Cash Flow Growth		 155.80% 65.23% 50.64% 24.21% 4.10% -18.98% -46.21% 16.01% 24.45% -30.81% 51.38%
Free Cash Flow Firm Growth		 -351.39% -855.45% 99.63% 14.77% -1.00% -26.32% -27,042.11% -71.11% -9.20% 15.04% 15.47%
Invested Capital Growth		 23.63% 18.20% 6.75% 17.94% 21.59% 25.18% 22.88% 21.52% 18.40% 17.72% 17.22%
Revenue Q/Q Growth		 2.17% 29.02% -14.42% 1.58% 2.04% -3.03% -6.40% 8.16% 3.26% -4.48% 8.51%
EBITDA Q/Q Growth		 -20.25% -81.24% 642.80% 1.02% 5.78% -4.77% -6.92% 7.30% -3.51% -0.18% 11.43%
EBIT Q/Q Growth		 -20.92% -84.70% 853.43% 2.50% 1.58% -5.01% -6.84% 7.25% -3.54% -0.19% 11.74%
NOPAT Q/Q Growth		 -19.42% -86.39% 955.94% 2.09% 2.20% -5.67% -6.96% 7.44% -2.35% -0.55% 11.33%
Net Income Q/Q Growth		 -19.42% -86.39% 955.94% 2.09% 2.20% -5.67% -6.96% 7.44% -2.35% -0.55% 11.33%
EPS Q/Q Growth		 -19.05% -87.06% 1,000.00% 1.65% 0.81% -6.45% -6.90% 7.41% -2.59% 0.00% 10.62%
Operating Cash Flow Q/Q Growth		 95.73% 25.88% 26.54% -60.16% 64.03% -2.02% -15.99% -14.08% 75.97% -45.52% 83.78%
Free Cash Flow Firm Q/Q Growth		 -18.01% -3.80% 99.55% -15,252.63% -39.86% -29.82% 2.63% 3.21% 10.75% -1.00% 3.12%
Invested Capital Q/Q Growth		 3.79% 1.44% 5.90% 5.78% 7.00% 4.43% 3.96% 4.60% 4.26% 3.83% 3.52%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 48.83% 7.10% 61.64% 61.30% 63.55% 62.41% 62.06% 61.57% 57.53% 60.12% 61.74%
EBIT Margin		 46.91% 5.56% 61.97% 62.53% 62.25% 60.98% 60.69% 60.18% 56.21% 58.74% 60.48%
Profit (Net Income) Margin		 36.10% 3.81% 47.00% 47.24% 47.31% 46.02% 45.74% 45.44% 42.97% 44.74% 45.90%
Tax Burden Percent		 76.96% 68.48% 75.84% 75.54% 76.00% 75.47% 75.37% 75.51% 76.44% 76.16% 75.89%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 23.04% 31.52% 24.16% 24.46% 24.00% 24.53% 24.63% 24.49% 23.56% 23.84% 24.11%
Return on Invested Capital (ROIC)		 20.17% 2.22% 25.59% 26.32% 25.78% 23.38% 21.85% 20.66% 18.58% 18.58% 19.05%
ROIC Less NNEP Spread (ROIC-NNEP)		 0.00% 0.00% 25.59% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Return on Net Nonoperating Assets (RNNOA)		 0.00% 0.00% 1.15% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Return on Equity (ROE)		 0.00% 0.00% 26.74% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Cash Return on Invested Capital (CROIC)		 2.31% 1.30% 10.62% 1.54% -0.32% 1.47% 1.73% 1.55% 2.61% 2.28% 2.73%
Operating Return on Assets (OROA)		 2.37% 0.30% 3.43% 3.65% 3.59% 3.38% 3.27% 3.29% 2.98% 3.06% 3.24%
Return on Assets (ROA)		 1.83% 0.21% 2.60% 2.76% 2.73% 2.55% 2.47% 2.48% 2.28% 2.33% 2.46%
Return on Common Equity (ROCE)		 0.00% 0.00% 26.74% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Return on Equity Simple (ROE_SIMPLE)		 21.20% 0.00% 16.61% 16.63% 17.47% 0.00% 20.19% 19.12% 17.95% 0.00% 17.22%
Net Operating Profit after Tax (NOPAT)		 7.85 1.07 11 12 12 11 10 11 11 11 12
NOPAT Margin		 36.10% 3.81% 47.00% 47.24% 47.31% 46.02% 45.74% 45.44% 42.97% 44.74% 45.90%
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% 0.00%
SG&A Expenses to Revenue		 29.53% 17.14% 28.87% 28.75% 29.06% 29.10% 30.92% 31.93% 31.30% 33.37% 33.37%
Operating Expenses to Revenue		 33.97% 39.21% 38.03% 37.47% 37.75% 39.02% 39.31% 39.82% 41.01% 41.26% 39.52%
Earnings before Interest and Taxes (EBIT)		 10 1.56 15 15 15 15 14 15 14 14 16
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 11 1.99 15 15 16 15 14 15 15 14 16
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 1.19 1.44 1.43 1.52 1.71 2.04 1.61 1.70 1.81 0.00 0.00
Price to Tangible Book Value (P/TBV)		 1.26 1.52 1.51 1.60 1.80 2.14 1.70 1.80 1.90 0.00 0.00
Price to Revenue (P/Rev)		 2.36 2.66 2.72 2.95 3.45 4.47 3.72 4.11 4.54 0.00 0.00
Price to Earnings (P/E)		 5.62 8.65 8.63 9.12 9.81 9.54 7.98 8.92 10.08 0.00 0.00
Dividend Yield		 3.16% 2.78% 2.82% 2.68% 2.32% 1.93% 2.46% 2.30% 2.14% 2.51% 2.63%
Earnings Yield		 17.78% 11.56% 11.58% 10.96% 10.19% 10.48% 12.53% 11.21% 9.93% 0.00% 0.00%
Enterprise Value to Invested Capital (EV/IC)		 0.08 0.27 0.27 0.35 0.76 0.91 0.47 0.70 0.75 0.00 0.00
Enterprise Value to Revenue (EV/Rev)		 0.16 0.50 0.51 0.68 1.52 2.00 1.08 1.69 1.87 0.00 0.00
Enterprise Value to EBITDA (EV/EBITDA)		 0.28 1.18 1.18 1.58 3.25 3.22 1.73 2.71 3.08 0.00 0.00
Enterprise Value to EBIT (EV/EBIT)		 0.29 1.23 1.22 1.60 3.27 3.23 1.75 2.77 3.15 0.00 0.00
Enterprise Value to NOPAT (EV/NOPAT)		 0.38 1.62 1.61 2.12 4.33 4.27 2.31 3.66 4.16 0.00 0.00
Enterprise Value to Operating Cash Flow (EV/OCF)		 0.32 0.93 0.86 1.17 2.66 3.54 2.27 3.46 3.60 0.00 0.00
Enterprise Value to Free Cash Flow (EV/FCFF)		 3.85 22.35 2.60 24.80 0.00 69.38 29.83 49.55 31.02 0.00 0.00
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 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 0.00
Financial Leverage		 0.00 0.00 0.04 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Leverage Ratio		 11.04 10.67 10.27 9.54 9.44 9.16 8.86 8.33 8.15 7.98 7.75
Compound Leverage Factor		 11.04 10.67 10.27 9.54 9.44 9.16 8.86 8.33 8.15 7.98 7.75
Debt to Total Capital		 0.00% 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% 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% 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% 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% 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% 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 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 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 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 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 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 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% 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -24 -25 -0.11 -18 -24 -32 -31 -30 -27 -27 -26
Operating Cash Flow to CapEx		 4,292.98% 6,964.66% 3,060.78% 505.96% 2,238.19% 1,063.53% 392.37% 1,478.87% 7,770.56% 835.70% 674.59%
Free Cash Flow to Firm to Interest Expense		 -2.21 -2.27 -0.01 -1.56 -1.99 -3.00 -3.22 -2.98 -2.50 -2.56 -2.73
Operating Cash Flow to Interest Expense		 1.17 1.46 1.81 0.73 1.09 1.24 1.15 0.94 1.56 0.86 1.74
Operating Cash Flow Less CapEx to Interest Expense		 1.14 1.43 1.75 0.58 1.04 1.12 0.85 0.88 1.54 0.76 1.48
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.05 0.05 0.06 0.06 0.06 0.06 0.05 0.05 0.05 0.05 0.05
Fixed Asset Turnover		 5.99 6.55 6.69 6.22 6.32 5.89 5.32 5.08 5.05 4.82 4.46
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 168 170 180 191 204 213 222 232 242 251 260
Invested Capital Turnover		 0.56 0.58 0.54 0.56 0.54 0.51 0.48 0.45 0.43 0.42 0.42
Increase / (Decrease) in Invested Capital		 32 26 11 29 36 43 41 41 38 38 38
Enterprise Value (EV)		 13 46 48 67 154 195 103 162 181 0.00 0.00
Market Capitalization		 200 245 259 289 350 436 357 395 437 0.00 0.00
Book Value per Share		 $18.34 $18.54 $19.53 $20.63 $21.86 $22.82 $23.46 $24.54 $25.58 $26.58 $27.38
Tangible Book Value per Share		 $17.30 $17.51 $18.51 $19.62 $20.86 $21.82 $22.18 $23.26 $24.31 $25.31 $26.12
Total Capital		 168 170 180 191 204 213 222 232 242 251 260
Total Debt		 0.00 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 0.00
Net Debt		 -187 -199 -210 -222 -195 -241 -254 -233 -257 -255 -250
Capital Expenditures (CapEx)		 0.30 0.23 0.67 1.61 0.60 1.23 2.80 0.64 0.21 1.08 2.47
Net Nonoperating Expense (NNE)		 0.00 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 0.00 0.00 0.00 0.00
Total Depreciation and Amortization (D&A)		 0.42 0.43 -0.08 -0.30 0.32 0.35 0.31 0.34 0.33 0.33 0.33
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.86 $0.12 $1.22 $1.25 $1.26 $1.19 $1.10 $1.18 $1.15 $1.13 $1.26
Adjusted Weighted Average Basic Shares Outstanding		 9.16M 9.16M 9.22M 9.25M 9.32M 9.29M 9.42M 9.45M 9.45M 9.44M 9.49M
Adjusted Diluted Earnings per Share		 $0.85 $0.11 $1.21 $1.23 $1.24 $1.16 $1.08 $1.16 $1.13 $1.13 $1.25
Adjusted Weighted Average Diluted Shares Outstanding		 9.27M 9.26M 9.32M 9.37M 9.50M 9.45M 9.55M 9.55M 9.60M 9.57M 9.60M
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 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 9.19M 9.24M 9.25M 9.34M 9.34M 9.45M 9.45M 0.00 0.00 0.00 9.52M
Normalized Net Operating Profit after Tax (NOPAT)		 7.85 1.07 11 12 12 11 10 11 11 11 12
Normalized NOPAT Margin		 36.10% 3.81% 47.00% 47.24% 47.31% 46.02% 45.74% 45.44% 42.97% 44.74% 45.90%
Pre Tax Income Margin		 46.91% 5.56% 61.97% 62.53% 62.25% 60.98% 60.69% 60.18% 56.21% 58.74% 60.48%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 0.93 0.14 1.32 1.36 1.26 1.39 1.43 1.46 1.33 1.34 1.65
NOPAT to Interest Expense		 0.72 0.10 1.00 1.03 0.96 1.05 1.08 1.11 1.01 1.02 1.25
EBIT Less CapEx to Interest Expense		 0.90 0.12 1.26 1.22 1.21 1.27 1.14 1.40 1.31 1.24 1.39
NOPAT Less CapEx to Interest Expense		 0.69 0.08 0.94 0.88 0.91 0.93 0.78 1.04 0.99 0.92 0.99
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 15.40% 22.36% 22.67% 22.89% 21.73% 17.63% 18.73% 19.64% 20.81% 21.69% 21.55%
Augmented Payout Ratio		 16.83% 24.18% 25.32% 25.41% 23.33% 19.09% 21.55% 22.50% 23.73% 24.66% 24.77%

Financials Breakdown Chart

Key Financial Trends

Bank7 Corp. (NASDAQ: BSVN) showed a solid start to 2026, with earnings, operating cash flow, and deposit-funded balance sheet growth all trending in the right direction versus prior periods. The bank continues to generate strong profitability relative to its size, while maintaining a conservative capital position and ample liquidity. That said, the balance sheet remains heavily deposit-funded, and some expense lines have been a bit volatile quarter to quarter.

  • Net income improved year over year in Q1 2026 to $12.0 million, up from $10.8 million in Q4 2025 and $10.3 million in Q1 2025.
  • Revenue grew sequentially to $26.2 million in Q1 2026 from $24.1 million in Q4 2025, helped by higher net interest income and stronger non-interest income.
  • Net interest income expanded to $24.2 million in Q1 2026, compared with $22.3 million in Q4 2025 and $21.0 million in Q1 2025.
  • Fee and other non-interest income remained a meaningful contributor at $2.0 million, providing diversification beyond spread income.
  • Operating cash flow was strong at $16.6 million in Q1 2026, suggesting earnings are still converting well into cash.
  • Book equity increased to $259.8 million in Q1 2026 from $241.7 million in Q3 2025 and $221.7 million in Q1 2025, reflecting retained earnings growth.
  • Tangible capital appears supported by a relatively low leverage profile with equity representing about 13% of total assets in Q1 2026.
  • Deposits remained a strong funding source, with total deposits of about $1.67 billion providing the backbone of the balance sheet.
  • Provision expense stayed at zero in Q1 2026, indicating management did not see a near-term need to build credit reserves in the quarter.
  • EPS remained healthy at $1.26 basic and $1.25 diluted in Q1 2026, up from Q4 2025 levels.
  • Loan balances are not visible in the provided balance sheet data, so investors cannot assess loan growth from this dataset alone.
  • Interest-bearing deposits at other banks remained modest, indicating a fairly liquid but not exceptionally cash-heavy position.
  • Dividend payments remain consistent at roughly $2.3 million to $2.6 million per quarter, which supports shareholder returns but also reduces retained cash.
  • Share repurchases were small and not a major driver of capital returns or EPS movement.
  • Non-interest expense was still elevated at $10.3 million in Q1 2026, only slightly improved from prior quarters, which limits operating leverage.
  • Interest expense remains meaningful at $9.6 million in Q1 2026, showing funding costs are still a major drag on margin.
  • Other assets make up a very large share of the balance sheet at $1.6 billion, so investors should monitor what is included there and whether asset composition changes over time.
  • Intangible assets and goodwill remain on the books, which reduces tangible balance sheet strength versus reported equity.
  • AOCI remained negative at $(2.7) million in Q1 2026, which is not a major issue, but still a mark against equity.

Longer-term trend: over the last four years, Bank7 has generally grown from a smaller earnings base into a more profitable bank with stronger capital and equity. Quarterly net income has climbed from roughly $8.0 million to $12.0 million, and common equity has expanded steadily. The main watch item is whether the bank can keep growing earnings without letting expenses or funding costs outpace revenue.

Bottom line: Bank7 looks financially stable and profitable, with strong liquidity and improving earnings momentum. For retail investors, the stock appears to offer a conservative banking profile, but future upside will depend on continued net interest margin discipline, expense control, and sustained deposit growth.

07/08/26 10:54 PM ETAI Generated. May Contain Errors.

Bank7 Financials - Frequently Asked Questions

According to the most recent income statement we have on file, Bank7's financial year ends in December. Their financial year 2025 ended on December 31, 2025.

Bank7's net income appears to be on an upward trend, with a most recent value of $43.07 million in 2025, rising from $16.82 million in 2016. The previous period was $45.70 million in 2024. View Bank7's forecast to see where analysts expect Bank7 to go next.

Over the last 9 years, Bank7's total revenue changed from $31.49 million in 2016 to $96.38 million in 2025, a change of 206.0%.

Bank7's total liabilities were at $1.71 billion at the end of 2025, a 12.2% increase from 2024, and a 170.0% increase since 2017.

In the past 8 years, Bank7's cash and equivalents has ranged from $100.05 million in 2017 to $244.64 million in 2025, and is currently $244.64 million as of their latest financial filing in 2025.

Over the last 9 years, Bank7's book value per share changed from 0.00 in 2016 to 26.58 in 2025, a change of 2,657.7%.


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Financial statements for NASDAQ:BSVN last updated on 7/2/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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