Bank7 Corp. (BSVN) 10-Year Financial Performance & Capital Metrics

BSVN • • Banking & Credit

Financial ServicesRegional BanksCommercial & Business BankingCommercial & Corporate Banking

AboutBank7 Corp. operates as a bank holding company for Bank7 that provides banking and financial services to individual and corporate customers. It offers commercial deposit services, including commercial checking, money market, and other deposit accounts; and retail deposit services, such as certificates of deposit, money market accounts, checking accounts, negotiable order of withdrawal accounts, savings accounts, and automated teller machine access. The company also provides commercial real estate, hospitality, energy, and commercial and industrial lending services; consumer lending services to individuals for personal and household purposes comprising secured and unsecured term loans, and home improvement loans. As of March 8, 2022, it operated through a network of twelve full-service branches in Oklahoma, the Dallas/Fort Worth, Texas metropolitan area, and Kansas. The company was formerly known as Haines Financial Corp.Bank7 Corp. was founded in 1901 and is headquartered in Oklahoma City, Oklahoma.Show more

Net Interest Income $86M +4.4%
Total Revenue $143M +9.2%
Net Income $46M +61.6%
Return on Equity 23.83% +32.5%
Net Interest Margin 4.95% +6.3%
Efficiency Ratio 25.98% +1.7%
ROA 2.6% +54.5%
Equity / Assets 12.25% +27.5%
Book Value per Share 22.57 +22.7%
Tangible BV/Share 21.58 +24.3%
Debt/Equity -

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓Excellent 3Y average ROE of 21.2%
✓Strong 5Y profit CAGR of 41.0%
✓Strong NIM of 5.0%
✓Efficient operations: 26.0% efficiency ratio
✓Well capitalized: 12.3% equity/assets

✗Weaknesses

No significant weaknesses identified

Price & Volume

Loading chart...

Growth Metrics

Revenue CAGR

10Y-

5Y21.92%

3Y34.61%

TTM-

Profit (Net Income) CAGR

10Y-

5Y41%

3Y25.43%

TTM21.7%

EPS CAGR

10Y-

5Y42.98%

3Y23.81%

TTM19.21%

ROCE

10Y Avg26.69%

5Y Avg26.45%

3Y Avg27.31%

Latest29.86%

Peer Comparison

Commercial & Corporate Banking

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
TCBITexas Capital Bancshares, Inc.	4.49B	98.37	76.85	-1.72%	4.4%	7.92%	9.27%	0.46
BANCBanc of California, Inc.	3.15B	20.87	40.13	24.65%	6.78%	6.01%	2.04%	0.67
DBDeutsche Bank AG	74.26B	38.87	28.37	11.78%	5.07%	7.18%		1.91
HTHHilltop Holdings Inc.	2.2B	35.83	20.59	2.5%	7.35%	7.2%	12.14%	0.61
SFBSServisFirst Bancshares, Inc.	4.28B	78.31	18.82	17.89%	23.26%	14.33%	5.8%	1.27
CMAComerica Incorporated	11.69B	91.51	18.23	-4.95%	13.98%	10.57%	3.83%	1.02
BOKFBOK Financial Corporation	8.08B	127.69	15.69	10.4%	15.57%	8.91%	15.59%	0.80
CNOBConnectOne Bancorp, Inc.	1.37B	27.26	15.49	6.06%	13.8%	3.98%	4.15%	0.63

Profit & Loss

	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Net Interest Income+	29.85M	38.13M	39.63M	42.19M	47.16M	53.24M	69.43M	82.55M	86.19M
NII Growth %	-	0.28%	0.04%	0.06%	0.12%	0.13%	0.3%	0.19%	0.04%
Net Interest Margin %	-	-	-	-	-	-	-	-	-
Interest Income	33.15M	42.87M	46.8M	51.71M	53.31M	56.29M	78.75M	121.54M	131.54M
Interest Expense	3.3M	4.74M	7.17M	9.52M	6.15M	3.05M	9.32M	39M	45.34M
Loan Loss Provision	1.55M	1.25M	200K	0	5.35M	4.17M	4.47M	21.14M	0
Non-Interest Income+	1.64M	1.44M	1.33M	1.31M	1.67M	2.25M	2.94M	9.24M	11.25M
Non-Interest Income %	-	-	-	-	-	-	-	-	-
Total Revenue+	34.8M	44.3M	48.13M	53.02M	54.98M	58.54M	81.69M	130.79M	142.79M
Revenue Growth %	-	0.27%	0.09%	0.1%	0.04%	0.06%	0.4%	0.6%	0.09%
Non-Interest Expense	13.12M	14.53M	14.96M	28.43M	17.59M	20.4M	28.64M	33.42M	37.09M
Efficiency Ratio	-	-	-	-	-	-	-	-	-
Operating Income+	16.82M	23.79M	25.8M	15.04M	25.88M	30.91M	39.26M	37.22M	60.35M
Operating Margin %	-	-	-	-	-	-	-	-	-
Operating Income Growth %	-	0.41%	0.08%	-0.42%	0.72%	0.19%	0.27%	-0.05%	0.62%
Pretax Income+	16.82M	23.79M	25.8M	15.04M	25.88M	30.91M	39.26M	37.22M	60.35M
Pretax Margin %	-	-	-	-	-	-	-	-	-
Income Tax+	-59	0	797K	6.84M	6.62M	7.75M	9.62M	8.95M	14.66M
Effective Tax Rate %	-	-	-	-	-	-	-	-	-
Net Income+	16.82M	23.79M	25M	8.2M	19.27M	23.16M	29.64M	28.27M	45.7M
Net Margin %	-	-	-	-	-	-	-	-	-
Net Income Growth %	-	0.41%	0.05%	-0.67%	1.35%	0.2%	0.28%	-0.05%	0.62%
Net Income (Continuing)	16.82M	23.79M	25M	8.22M	19.27M	23.16M	29.64M	28.27M	45.7M
EPS (Diluted)+	1.65	2.34	3.03	0.81	2.05	2.55	3.22	3.05	4.84
EPS Growth %	-	0.42%	0.29%	-0.73%	1.53%	0.24%	0.26%	-0.05%	0.59%
EPS (Basic)	1.65	2.34	3.08	0.81	2.05	2.56	3.26	3.09	4.92
Diluted Shares Outstanding	10.19M	10.19M	8.24M	10.15M	9.38M	9.09M	9.21M	9.26M	9.45M

Balance Sheet

	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash & Short Term Investments+	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Cash & Due from Banks	103.67M	130.22M	159.85M	147.28M	170.31M	198.6M	114.59M	198.72M	240.91M
Short Term Investments	0	0	0	0	0	1000K	1000K	1000K	1000K
Total Investments+	496.81M	556.78M	593.64M	701.59M	828.47M	1.1B	1.43B	1.48B	1.41B
Investments Growth %	-	0.12%	0.07%	0.18%	0.18%	0.33%	0.29%	0.04%	-0.05%
Long-Term Investments	496.81M	556.78M	593.64M	701.59M	828.47M	1.02B	1.26B	1.34B	1.38B
Accounts Receivables	1000K	1000K	1000K	1000K	1000K	1000K	1000K	0	0
Goodwill & Intangibles+	-	-	-	-	-	-	-	-	-
Goodwill	1.01M	1.01M	1.01M	1.01M	1.01M	8.48M	8.6M	8.46M	8.46M
Intangible Assets	1.4M	1.19M	984K	778K	572K	1.64M	1.34M	1.03M	878K
PP&E (Net)	6.51M	9.6M	7.75M	9.62M	9.15M	17.26M	13.11M	14.94M	18.14M
Other Assets	103.44K	100K	110K	0	0	9.49M	0	65.68M	58.45M
Total Current Assets	107.94M	134.91M	167.01M	153.39M	177.47M	293.93M	304.19M	338.41M	273.14M
Total Non-Current Assets	505.84M	568.69M	603.5M	713M	839.2M	1.06B	1.28B	1.43B	1.47B
Total Assets+	613.77M	703.59M	770.51M	866.39M	1.02B	1.35B	1.58B	1.77B	1.74B
Asset Growth %	-	0.15%	0.1%	0.12%	0.17%	0.33%	0.17%	0.12%	-0.02%
Return on Assets (ROA)	0.03%	0.04%	0.03%	0.01%	0.02%	0.02%	0.02%	0.02%	0.03%
Accounts Payable	2.68M	2.99M	4.23M	8.43M	3.84M	5.67M	9.71M	0	0
Total Debt+	6.4M	5.6M	0	0	0	0	0	0	0
Net Debt	-97.27M	-124.62M	-159.85M	-147.28M	-170.31M	-198.6M	-114.59M	-198.72M	-240.91M
Long-Term Debt	6.4M	5.6M	0	0	0	0	0	0	0
Short-Term Debt	0	0	0	0	0	0	0	0	0
Other Liabilities	0	0	4.23M	8.43M	0	0	-1.05M	9.65M	11.12M
Total Current Liabilities	552.23M	628.82M	677.82M	757.84M	909.35M	1.22B	1.44B	1.59B	1.52B
Total Non-Current Liabilities	6.4M	5.6M	4.23M	8.43M	0	0	-1.05M	9.65M	11.12M
Total Liabilities	558.63M	634.42M	682.04M	766.27M	909.35M	1.22B	1.44B	1.6B	1.53B
Total Equity+	55.14M	69.18M	88.47M	100.13M	107.32M	127.41M	144.1M	170.33M	213.21M
Equity Growth %	-	0.25%	0.28%	0.13%	0.07%	0.19%	0.13%	0.18%	0.25%
Equity / Assets (Capital Ratio)	-	-	-	-	-	-	-	-	-
Return on Equity (ROE)	0.31%	0.38%	0.32%	0.09%	0.19%	0.2%	0.22%	0.18%	0.24%
Book Value per Share	5.41	6.79	10.74	9.87	11.44	14.01	15.65	18.39	22.57
Tangible BV per Share	-	-	-	-	-	-	-	-	-
Common Stock	72.88K	73K	102K	101K	90K	91K	91K	92K	94K
Additional Paid-in Capital	6.99M	6.99M	80.28M	92.39M	93.16M	94.02M	95.26M	97.42M	101.81M
Retained Earnings	48.08M	62.12M	8.09M	7.61M	14.07M	33.15M	58.05M	78.96M	116.28M
Accumulated OCI	0	0	0	0	0	144K	-9.3M	-6.14M	-4.97M
Treasury Stock	0	0	0	0	0	0	0	0	0
Preferred Stock	0	0	0	0	0	0	0	0	0

Cash Flow

	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash from Operations+	19.36M	25.88M	27M	19.18M	25.23M	30.13M	39.71M	49.13M	55.05M
Operating CF Growth %	-	0.34%	0.04%	-0.29%	0.32%	0.19%	0.32%	0.24%	0.12%
Net Income	16.82M	23.79M	25M	8.22M	19.27M	23.16M	29.64M	28.27M	45.7M
Depreciation & Amortization	799K	1.09M	1.1M	849K	1.09M	1.03M	1.41M	1.3M	1.06M
Deferred Taxes	0	0	-1.07M	-20K	-875K	235K	-1.42M	-1.26M	-144K
Other Non-Cash Items	1.25M	1.11M	69K	-666K	6.05M	4.06M	5.85M	20.75M	-162K
Working Capital Changes	491K	-107K	1.75M	-1.32M	-1.07M	604K	2.86M	-2.1M	6.13M
Cash from Investing+	-44.28M	-65.79M	-37.57M	-108.07M	-119.61M	-43.49M	-342.77M	-130.86M	80.16M
Purchase of Investments	-38K	-6K	-6K	-45K	-72K	-30K	-133.06M	-74K	-83.88M
Sale/Maturity of Investments	0	0	0	0	0	1000K	1000K	1000K	1000K
Net Investment Activity	-	-	-	-	-	-	-	-	-
Acquisitions	0	0	0	0	0	20.43M	0	-16.48M	0
Other Investing	-41.92M	-61.82M	-37.19M	-104.92M	-119.1M	-64.76M	-240.97M	-118.89M	-27.46M
Cash from Financing+	32.99M	65.73M	38.61M	77.93M	131.15M	64.31M	207.32M	153.66M	-82.05M
Dividends Paid	-7M	-9.75M	-56.16M	-1.01M	-7.8M	-3.98M	-4.37M	-6.32M	-8.06M
Share Repurchases	0	0	0	-2.65M	-9.08M	0	0	0	-666K
Stock Issued	0	0	50.15M	0	0	1K	0	1K	2.59M
Net Stock Activity	-	-	-	-	-	-	-	-	-
Debt Issuance (Net)	-800K	-800K	-1000K	0	0	0	0	0	0
Other Financing	40.79M	76.28M	50.21M	81.58M	148.03M	68.29M	211.68M	159.98M	-75.92M
Net Change in Cash+	8.07M	25.81M	28.04M	-10.96M	36.77M	50.95M	-95.74M	71.93M	53.15M
Exchange Rate Effect	0	0	0	0	0	0	0	0	0
Cash at Beginning	66.18M	74.24M	100.05M	128.09M	117.13M	153.9M	204.85M	109.11M	181.04M
Cash at End	74.24M	100.05M	128.09M	117.13M	153.9M	204.85M	109.11M	181.04M	234.2M
Interest Paid	0	0	0	9.34M	6.5M	3.22M	9.1M	37.94M	45.56M
Income Taxes Paid	0	0	0	6.78M	7.73M	7.51M	9.98M	10.8M	15.06M
Free Cash Flow+	17.04M	21.91M	26.62M	16.08M	24.8M	29.53M	39.42M	46.29M	50.85M
FCF Growth %	-	0.29%	0.22%	-0.4%	0.54%	0.19%	0.33%	0.17%	0.1%

Banking Ratios

Metric	2016	2017	2018	2019	2020	2021	2022	2023	2024
Return on Equity (ROE)	30.5%	38.27%	31.72%	8.7%	18.57%	19.73%	21.83%	17.99%	23.83%
Return on Assets (ROA)	2.74%	3.61%	3.39%	1%	2.05%	1.96%	2.02%	1.69%	2.6%
Net Interest Margin	4.86%	5.42%	5.14%	4.87%	4.64%	3.94%	4.38%	4.66%	4.95%
Efficiency Ratio	37.71%	32.8%	31.09%	53.63%	32%	34.84%	35.06%	25.55%	25.98%
Equity / Assets	8.98%	9.83%	11.48%	11.56%	10.56%	9.43%	9.1%	9.61%	12.25%
Book Value / Share	5.41	6.79	10.74	9.87	11.44	14.01	15.65	18.39	22.57
NII Growth	-	27.74%	3.93%	6.46%	11.77%	12.88%	30.41%	18.9%	4.42%
Dividend Payout	41.59%	40.98%	224.62%	12.27%	40.5%	17.19%	14.73%	22.36%	17.63%

Frequently Asked Questions

Valuation & Price

Bank7 Corp. (BSVN) has a price-to-earnings (P/E) ratio of 9.0x. This may indicate the stock is undervalued or faces growth challenges.

Growth & Financials

Bank7 Corp. (BSVN) grew revenue by 9.2% over the past year. This is steady growth.

Yes, Bank7 Corp. (BSVN) is profitable, generating $43.4M in net income for fiscal year 2024 (32.0% net margin).

Dividend & Returns

Yes, Bank7 Corp. (BSVN) pays a dividend with a yield of 1.95%. This makes it attractive for income-focused investors.

Bank7 Corp. (BSVN) has a return on equity (ROE) of 23.8%. This is excellent, indicating efficient use of shareholder capital.

Industry Metrics

Bank7 Corp. (BSVN) has a net interest margin (NIM) of 5.0%. This indicates healthy earnings from lending activities.

Bank7 Corp. (BSVN) has an efficiency ratio of 26.0%. This is excellent, indicating strong cost control.

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Bank7 Corp. (BSVN) 10-Year Financial Performance & Capital Metrics

BSVN • • Banking & Credit

Financial ServicesRegional BanksCommercial & Business BankingCommercial & Corporate Banking

Net Interest Income $86M +4.4%
Total Revenue $143M +9.2%
Net Income $46M +61.6%
Return on Equity 23.83% +32.5%
Net Interest Margin 4.95% +6.3%
Efficiency Ratio 25.98% +1.7%
ROA 2.6% +54.5%
Equity / Assets 12.25% +27.5%
Book Value per Share 22.57 +22.7%
Tangible BV/Share 21.58 +24.3%
Debt/Equity -

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓Excellent 3Y average ROE of 21.2%
✓Strong 5Y profit CAGR of 41.0%
✓Strong NIM of 5.0%
✓Efficient operations: 26.0% efficiency ratio
✓Well capitalized: 12.3% equity/assets

✗Weaknesses

No significant weaknesses identified

Price & Volume

Loading chart...

Growth Metrics

Revenue CAGR

10Y-

5Y21.92%

3Y34.61%

TTM-

Profit (Net Income) CAGR

10Y-

5Y41%

3Y25.43%

TTM21.7%

EPS CAGR

10Y-

5Y42.98%

3Y23.81%

TTM19.21%

ROCE

10Y Avg26.69%

5Y Avg26.45%

3Y Avg27.31%

Latest29.86%

Peer Comparison

Commercial & Corporate Banking

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
TCBITexas Capital Bancshares, Inc.	4.49B	98.37	76.85	-1.72%	4.4%	7.92%	9.27%	0.46
BANCBanc of California, Inc.	3.15B	20.87	40.13	24.65%	6.78%	6.01%	2.04%	0.67
DBDeutsche Bank AG	74.26B	38.87	28.37	11.78%	5.07%	7.18%		1.91
HTHHilltop Holdings Inc.	2.2B	35.83	20.59	2.5%	7.35%	7.2%	12.14%	0.61
SFBSServisFirst Bancshares, Inc.	4.28B	78.31	18.82	17.89%	23.26%	14.33%	5.8%	1.27
CMAComerica Incorporated	11.69B	91.51	18.23	-4.95%	13.98%	10.57%	3.83%	1.02
BOKFBOK Financial Corporation	8.08B	127.69	15.69	10.4%	15.57%	8.91%	15.59%	0.80
CNOBConnectOne Bancorp, Inc.	1.37B	27.26	15.49	6.06%	13.8%	3.98%	4.15%	0.63

Profit & Loss

	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Net Interest Income+	29.85M	38.13M	39.63M	42.19M	47.16M	53.24M	69.43M	82.55M	86.19M
NII Growth %	-	0.28%	0.04%	0.06%	0.12%	0.13%	0.3%	0.19%	0.04%
Net Interest Margin %	-	-	-	-	-	-	-	-	-
Interest Income	33.15M	42.87M	46.8M	51.71M	53.31M	56.29M	78.75M	121.54M	131.54M
Interest Expense	3.3M	4.74M	7.17M	9.52M	6.15M	3.05M	9.32M	39M	45.34M
Loan Loss Provision	1.55M	1.25M	200K	0	5.35M	4.17M	4.47M	21.14M	0
Non-Interest Income+	1.64M	1.44M	1.33M	1.31M	1.67M	2.25M	2.94M	9.24M	11.25M
Non-Interest Income %	-	-	-	-	-	-	-	-	-
Total Revenue+	34.8M	44.3M	48.13M	53.02M	54.98M	58.54M	81.69M	130.79M	142.79M
Revenue Growth %	-	0.27%	0.09%	0.1%	0.04%	0.06%	0.4%	0.6%	0.09%
Non-Interest Expense	13.12M	14.53M	14.96M	28.43M	17.59M	20.4M	28.64M	33.42M	37.09M
Efficiency Ratio	-	-	-	-	-	-	-	-	-
Operating Income+	16.82M	23.79M	25.8M	15.04M	25.88M	30.91M	39.26M	37.22M	60.35M
Operating Margin %	-	-	-	-	-	-	-	-	-
Operating Income Growth %	-	0.41%	0.08%	-0.42%	0.72%	0.19%	0.27%	-0.05%	0.62%
Pretax Income+	16.82M	23.79M	25.8M	15.04M	25.88M	30.91M	39.26M	37.22M	60.35M
Pretax Margin %	-	-	-	-	-	-	-	-	-
Income Tax+	-59	0	797K	6.84M	6.62M	7.75M	9.62M	8.95M	14.66M
Effective Tax Rate %	-	-	-	-	-	-	-	-	-
Net Income+	16.82M	23.79M	25M	8.2M	19.27M	23.16M	29.64M	28.27M	45.7M
Net Margin %	-	-	-	-	-	-	-	-	-
Net Income Growth %	-	0.41%	0.05%	-0.67%	1.35%	0.2%	0.28%	-0.05%	0.62%
Net Income (Continuing)	16.82M	23.79M	25M	8.22M	19.27M	23.16M	29.64M	28.27M	45.7M
EPS (Diluted)+	1.65	2.34	3.03	0.81	2.05	2.55	3.22	3.05	4.84
EPS Growth %	-	0.42%	0.29%	-0.73%	1.53%	0.24%	0.26%	-0.05%	0.59%
EPS (Basic)	1.65	2.34	3.08	0.81	2.05	2.56	3.26	3.09	4.92
Diluted Shares Outstanding	10.19M	10.19M	8.24M	10.15M	9.38M	9.09M	9.21M	9.26M	9.45M

Balance Sheet

	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash & Short Term Investments+	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Cash & Due from Banks	103.67M	130.22M	159.85M	147.28M	170.31M	198.6M	114.59M	198.72M	240.91M
Short Term Investments	0	0	0	0	0	1000K	1000K	1000K	1000K
Total Investments+	496.81M	556.78M	593.64M	701.59M	828.47M	1.1B	1.43B	1.48B	1.41B
Investments Growth %	-	0.12%	0.07%	0.18%	0.18%	0.33%	0.29%	0.04%	-0.05%
Long-Term Investments	496.81M	556.78M	593.64M	701.59M	828.47M	1.02B	1.26B	1.34B	1.38B
Accounts Receivables	1000K	1000K	1000K	1000K	1000K	1000K	1000K	0	0
Goodwill & Intangibles+	-	-	-	-	-	-	-	-	-
Goodwill	1.01M	1.01M	1.01M	1.01M	1.01M	8.48M	8.6M	8.46M	8.46M
Intangible Assets	1.4M	1.19M	984K	778K	572K	1.64M	1.34M	1.03M	878K
PP&E (Net)	6.51M	9.6M	7.75M	9.62M	9.15M	17.26M	13.11M	14.94M	18.14M
Other Assets	103.44K	100K	110K	0	0	9.49M	0	65.68M	58.45M
Total Current Assets	107.94M	134.91M	167.01M	153.39M	177.47M	293.93M	304.19M	338.41M	273.14M
Total Non-Current Assets	505.84M	568.69M	603.5M	713M	839.2M	1.06B	1.28B	1.43B	1.47B
Total Assets+	613.77M	703.59M	770.51M	866.39M	1.02B	1.35B	1.58B	1.77B	1.74B
Asset Growth %	-	0.15%	0.1%	0.12%	0.17%	0.33%	0.17%	0.12%	-0.02%
Return on Assets (ROA)	0.03%	0.04%	0.03%	0.01%	0.02%	0.02%	0.02%	0.02%	0.03%
Accounts Payable	2.68M	2.99M	4.23M	8.43M	3.84M	5.67M	9.71M	0	0
Total Debt+	6.4M	5.6M	0	0	0	0	0	0	0
Net Debt	-97.27M	-124.62M	-159.85M	-147.28M	-170.31M	-198.6M	-114.59M	-198.72M	-240.91M
Long-Term Debt	6.4M	5.6M	0	0	0	0	0	0	0
Short-Term Debt	0	0	0	0	0	0	0	0	0
Other Liabilities	0	0	4.23M	8.43M	0	0	-1.05M	9.65M	11.12M
Total Current Liabilities	552.23M	628.82M	677.82M	757.84M	909.35M	1.22B	1.44B	1.59B	1.52B
Total Non-Current Liabilities	6.4M	5.6M	4.23M	8.43M	0	0	-1.05M	9.65M	11.12M
Total Liabilities	558.63M	634.42M	682.04M	766.27M	909.35M	1.22B	1.44B	1.6B	1.53B
Total Equity+	55.14M	69.18M	88.47M	100.13M	107.32M	127.41M	144.1M	170.33M	213.21M
Equity Growth %	-	0.25%	0.28%	0.13%	0.07%	0.19%	0.13%	0.18%	0.25%
Equity / Assets (Capital Ratio)	-	-	-	-	-	-	-	-	-
Return on Equity (ROE)	0.31%	0.38%	0.32%	0.09%	0.19%	0.2%	0.22%	0.18%	0.24%
Book Value per Share	5.41	6.79	10.74	9.87	11.44	14.01	15.65	18.39	22.57
Tangible BV per Share	-	-	-	-	-	-	-	-	-
Common Stock	72.88K	73K	102K	101K	90K	91K	91K	92K	94K
Additional Paid-in Capital	6.99M	6.99M	80.28M	92.39M	93.16M	94.02M	95.26M	97.42M	101.81M
Retained Earnings	48.08M	62.12M	8.09M	7.61M	14.07M	33.15M	58.05M	78.96M	116.28M
Accumulated OCI	0	0	0	0	0	144K	-9.3M	-6.14M	-4.97M
Treasury Stock	0	0	0	0	0	0	0	0	0
Preferred Stock	0	0	0	0	0	0	0	0	0

Cash Flow

	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash from Operations+	19.36M	25.88M	27M	19.18M	25.23M	30.13M	39.71M	49.13M	55.05M
Operating CF Growth %	-	0.34%	0.04%	-0.29%	0.32%	0.19%	0.32%	0.24%	0.12%
Net Income	16.82M	23.79M	25M	8.22M	19.27M	23.16M	29.64M	28.27M	45.7M
Depreciation & Amortization	799K	1.09M	1.1M	849K	1.09M	1.03M	1.41M	1.3M	1.06M
Deferred Taxes	0	0	-1.07M	-20K	-875K	235K	-1.42M	-1.26M	-144K
Other Non-Cash Items	1.25M	1.11M	69K	-666K	6.05M	4.06M	5.85M	20.75M	-162K
Working Capital Changes	491K	-107K	1.75M	-1.32M	-1.07M	604K	2.86M	-2.1M	6.13M
Cash from Investing+	-44.28M	-65.79M	-37.57M	-108.07M	-119.61M	-43.49M	-342.77M	-130.86M	80.16M
Purchase of Investments	-38K	-6K	-6K	-45K	-72K	-30K	-133.06M	-74K	-83.88M
Sale/Maturity of Investments	0	0	0	0	0	1000K	1000K	1000K	1000K
Net Investment Activity	-	-	-	-	-	-	-	-	-
Acquisitions	0	0	0	0	0	20.43M	0	-16.48M	0
Other Investing	-41.92M	-61.82M	-37.19M	-104.92M	-119.1M	-64.76M	-240.97M	-118.89M	-27.46M
Cash from Financing+	32.99M	65.73M	38.61M	77.93M	131.15M	64.31M	207.32M	153.66M	-82.05M
Dividends Paid	-7M	-9.75M	-56.16M	-1.01M	-7.8M	-3.98M	-4.37M	-6.32M	-8.06M
Share Repurchases	0	0	0	-2.65M	-9.08M	0	0	0	-666K
Stock Issued	0	0	50.15M	0	0	1K	0	1K	2.59M
Net Stock Activity	-	-	-	-	-	-	-	-	-
Debt Issuance (Net)	-800K	-800K	-1000K	0	0	0	0	0	0
Other Financing	40.79M	76.28M	50.21M	81.58M	148.03M	68.29M	211.68M	159.98M	-75.92M
Net Change in Cash+	8.07M	25.81M	28.04M	-10.96M	36.77M	50.95M	-95.74M	71.93M	53.15M
Exchange Rate Effect	0	0	0	0	0	0	0	0	0
Cash at Beginning	66.18M	74.24M	100.05M	128.09M	117.13M	153.9M	204.85M	109.11M	181.04M
Cash at End	74.24M	100.05M	128.09M	117.13M	153.9M	204.85M	109.11M	181.04M	234.2M
Interest Paid	0	0	0	9.34M	6.5M	3.22M	9.1M	37.94M	45.56M
Income Taxes Paid	0	0	0	6.78M	7.73M	7.51M	9.98M	10.8M	15.06M
Free Cash Flow+	17.04M	21.91M	26.62M	16.08M	24.8M	29.53M	39.42M	46.29M	50.85M
FCF Growth %	-	0.29%	0.22%	-0.4%	0.54%	0.19%	0.33%	0.17%	0.1%

Banking Ratios

Metric	2016	2017	2018	2019	2020	2021	2022	2023	2024
Return on Equity (ROE)	30.5%	38.27%	31.72%	8.7%	18.57%	19.73%	21.83%	17.99%	23.83%
Return on Assets (ROA)	2.74%	3.61%	3.39%	1%	2.05%	1.96%	2.02%	1.69%	2.6%
Net Interest Margin	4.86%	5.42%	5.14%	4.87%	4.64%	3.94%	4.38%	4.66%	4.95%
Efficiency Ratio	37.71%	32.8%	31.09%	53.63%	32%	34.84%	35.06%	25.55%	25.98%
Equity / Assets	8.98%	9.83%	11.48%	11.56%	10.56%	9.43%	9.1%	9.61%	12.25%
Book Value / Share	5.41	6.79	10.74	9.87	11.44	14.01	15.65	18.39	22.57
NII Growth	-	27.74%	3.93%	6.46%	11.77%	12.88%	30.41%	18.9%	4.42%
Dividend Payout	41.59%	40.98%	224.62%	12.27%	40.5%	17.19%	14.73%	22.36%	17.63%

Frequently Asked Questions

Valuation & Price

Bank7 Corp. (BSVN) has a price-to-earnings (P/E) ratio of 9.0x. This may indicate the stock is undervalued or faces growth challenges.

Growth & Financials

Bank7 Corp. (BSVN) grew revenue by 9.2% over the past year. This is steady growth.

Yes, Bank7 Corp. (BSVN) is profitable, generating $43.4M in net income for fiscal year 2024 (32.0% net margin).

Dividend & Returns

Yes, Bank7 Corp. (BSVN) pays a dividend with a yield of 1.95%. This makes it attractive for income-focused investors.

Bank7 Corp. (BSVN) has a return on equity (ROE) of 23.8%. This is excellent, indicating efficient use of shareholder capital.

Industry Metrics

Bank7 Corp. (BSVN) has a net interest margin (NIM) of 5.0%. This indicates healthy earnings from lending activities.

Bank7 Corp. (BSVN) has an efficiency ratio of 26.0%. This is excellent, indicating strong cost control.