Bank7 Corp. (BSVN) Financial Ratios
10 years of historical data (2016–2025) · Financial Services · Banks - Regional
EV/EBITDA
↑
2.85
↑+35% vs avg
5yr avg: 2.10
30Y Low0.3·High3.3
P/FCF
↑
8.89
↑+25% vs avg
5yr avg: 7.14
30Y Low4.1·High12.0
P/B Ratio
↓
1.65
-2% vs avg
5yr avg: 1.68
30Y Low1.2·High2.1
ROE
↓
18.6%
-9% vs avg
5yr avg: 20.4%
30Y Low9%·High38%
Debt/EBITDA
N/A
—
5yr avg: N/A
30Y Low0.2·High0.4
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
BSVN Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
Bank7 Corp. trades at 9.6x earnings, 8% above its 5-year average of 8.9x, sitting at the 75th percentile of its historical range. Compared to the Financial Services sector median P/E of 13.3x, the stock trades at a discount of 28%. On a free-cash-flow basis, the stock trades at 8.9x P/FCF, 25% above the 5-year average of 7.1x.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $410M | $392M | $441M | $253M | $236M | $209M | $133M | $192M | $110M | — | — |
| Enterprise Value | $166M | $148M | $200M | $55M | $121M | $11M | $-37129013 | $45M | $-49861647 | — | — |
| P/E Ratio → | 9.63 | 9.11 | 9.64 | 8.97 | 7.95 | 9.02 | 6.93 | 23.41 | 4.41 | — | — |
| P/S Ratio | 2.99 | 2.86 | 3.09 | 1.94 | 2.88 | 3.57 | 2.42 | 3.63 | 2.29 | — | — |
| P/B Ratio | 1.65 | 1.56 | 2.07 | 1.49 | 1.64 | 1.64 | 1.24 | 1.92 | 1.24 | — | — |
| P/FCF | 8.89 | 8.50 | 8.67 | 5.47 | 5.98 | 7.08 | 5.37 | 11.96 | 4.13 | — | — |
| P/OCF | 8.89 | 8.50 | 8.01 | 5.16 | 5.93 | 6.94 | 5.28 | 10.03 | 4.07 | — | — |
P/E links to full P/E history page with 30-year chart
BSVN EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
Bank7 Corp.'s enterprise value stands at 2.9x EBITDA, 35% above its 5-year average of 2.1x. The Financial Services sector median is 11.4x, placing the stock at a 75% discount on an enterprise-value basis.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 1.08 | 1.40 | 0.42 | 1.48 | 0.18 | -0.68 | 0.85 | -1.04 | — | — |
| EV / EBITDA | 2.85 | 2.54 | 3.26 | 1.42 | 2.98 | 0.33 | -1.38 | 2.84 | -1.85 | — | — |
| EV / EBIT | 2.92 | 2.60 | 3.31 | 1.47 | 3.08 | 0.34 | -1.43 | 2.99 | -1.93 | — | — |
| EV / FCF | — | 3.20 | 3.93 | 1.18 | 3.07 | 0.36 | -1.50 | 2.81 | -1.87 | — | — |
BSVN Profitability
Margins and return-on-capital ratios measuring operating efficiency
Bank7 Corp. earns an operating margin of 41.4%, significantly above the Financial Services sector average of 21.4%. Operating margins have expanded from 28.5% to 41.4% over the past 3 years, signaling improving operational efficiency. ROE of 18.6% indicates solid capital efficiency, compared to the sector median of 9.5%. ROIC of 18.3% represents solid returns on invested capital versus a sector median of 5.7%.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 70.2% | 70.2% | 68.2% | 54.0% | 83.1% | 87.7% | 79.1% | 82.0% | 84.7% | 86.5% | 86.0% |
| Operating Margin | 41.4% | 41.4% | 42.3% | 28.5% | 48.1% | 52.8% | 47.1% | 28.4% | 53.6% | 53.7% | 48.3% |
| Net Profit Margin | 31.4% | 31.4% | 32.0% | 21.6% | 36.3% | 39.6% | 35.0% | 15.5% | 51.9% | 53.7% | 48.3% |
Return on Capital
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 18.6% | 18.6% | 23.8% | 18.0% | 21.8% | 19.7% | 18.6% | 8.7% | 31.7% | 38.3% | 30.5% |
| ROA | 2.3% | 2.3% | 2.6% | 1.7% | 2.0% | 2.0% | 2.0% | 1.0% | 3.4% | 3.6% | 2.7% |
| ROIC | 18.3% | 18.3% | 23.6% | 17.8% | 21.7% | 19.8% | 18.7% | 12.0% | 23.7% | 26.2% | 20.5% |
| ROCE | 5.2% | 5.2% | 29.9% | 23.0% | 29.0% | 26.3% | 24.0% | 15.0% | 30.8% | 34.9% | 27.3% |
BSVN Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
The company holds a net cash position — cash of $245M exceeds total debt of $0, providing substantial financial flexibility for buybacks, acquisitions, or weathering downturns. Interest coverage of just 1.4x is concerning — the company has limited headroom to absorb earnings volatility before struggling with debt service.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | — | — | — | — | — | — | — | — | — | 0.08 | 0.12 |
| Debt / EBITDA | — | — | — | — | — | — | — | — | — | 0.23 | 0.36 |
| Net Debt / Equity | — | -0.97 | -1.13 | -1.17 | -0.80 | -1.56 | -1.59 | -1.47 | -1.81 | -1.80 | -1.76 |
| Net Debt / EBITDA | -4.21 | -4.21 | -3.92 | -5.16 | -2.82 | -6.22 | -6.31 | -9.27 | -5.94 | -5.01 | -5.52 |
| Debt / FCF | — | -5.30 | -4.74 | -4.29 | -2.91 | -6.72 | -6.87 | -9.16 | -6.00 | -5.69 | -5.71 |
| Interest Coverage | 1.39 | 1.39 | 1.33 | 0.95 | 4.21 | 10.13 | 4.21 | 1.58 | 3.60 | 5.02 | 5.09 |
Net cash position: cash ($245M) exceeds total debt ($0)
BSVN Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
Bank7 Corp.'s current ratio of 502.78x is well above the 1.0 safety threshold, indicating strong short-term liquidity with ample room to cover current liabilities. The current ratio has improved from 0.21x to 502.78x over the past 3 years.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 502.78 | 502.78 | 0.18 | 0.21 | 0.21 | 0.24 | 0.20 | 0.20 | 0.25 | 0.21 | 0.20 |
| Quick Ratio | 502.78 | 502.78 | 0.18 | 0.21 | 0.21 | 0.24 | 0.20 | 0.20 | 0.25 | 0.21 | 0.20 |
| Cash Ratio | 411.84 | 411.84 | 0.16 | 0.12 | 0.08 | 0.16 | 0.19 | 0.19 | 0.24 | 0.21 | 0.19 |
| Asset Turnover | — | 0.07 | 0.08 | 0.07 | 0.05 | 0.04 | 0.05 | 0.06 | 0.06 | 0.06 | 0.06 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
BSVN Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Bank7 Corp. returns 2.6% to shareholders annually — split between a 2.3% dividend yield and 0.3% buyback yield. The payout ratio of 21.7% is conservative, leaving significant room for dividend growth or reinvestment. The earnings yield of 10.4% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | 2.3% | 2.4% | 1.8% | 2.5% | 1.9% | 1.9% | 5.9% | 0.5% | 51.1% | — | — |
| Payout Ratio | 21.7% | 21.7% | 17.6% | 22.4% | 14.7% | 17.2% | 40.5% | 12.3% | 224.6% | 41.0% | 41.6% |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 10.4% | 11.0% | 10.4% | 11.2% | 12.6% | 11.1% | 14.4% | 4.3% | 22.7% | — | — |
| FCF Yield | 11.2% | 11.8% | 11.5% | 18.3% | 16.7% | 14.1% | 18.6% | 8.4% | 24.2% | — | — |
| Buyback Yield | 0.3% | 0.3% | 0.2% | 0.0% | 0.0% | 0.0% | 6.8% | 1.4% | 0.0% | — | — |
| Total Shareholder Yield | 2.6% | 2.7% | 2.0% | 2.5% | 1.9% | 1.9% | 12.7% | 1.9% | 51.1% | — | — |
| Shares Outstanding | — | $10M | $9M | $9M | $9M | $9M | $9M | $10M | $8M | $10M | $10M |
Peer Comparison
Compare BSVN with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 BSVNYou | $410M | 9.6 | 2.9 | 8.9 | 70.2% | 41.4% | 18.6% | 18.3% | — |
 FFIN | $5B | 20.7 | 14.1 | 15.7 | 70.8% | 36.8% | 14.4% | 11.0% | 0.7 |
 BOKF | $10B | 16.6 | 17.4 | 7.3 | 57.1% | 19.8% | 9.8% | 4.1% | 5.8 |
 SFNC | $3B | -7.3 | — | 6.9 | 5.8% | -84.2% | -11.4% | -9.1% | — |
 IBCP | $690M | 10.3 | 9.3 | 9.8 | 69.6% | 25.8% | 14.3% | 10.2% | 1.4 |
 CADE | $8B | 15.2 | 7.0 | 10.1 | 59.3% | 23.3% | 9.8% | 6.7% | 0.0 |
 HOMB | $5B | 13.3 | 10.1 | 12.5 | 65.6% | 36.0% | 10.4% | 7.2% | 2.2 |
 SBSI | $989M | 14.5 | 16.2 | 13.5 | 55.8% | 19.7% | 8.3% | 3.7% | 8.9 |
 TCBI | $4B | 14.8 | 7.3 | 12.8 | 60.6% | 22.2% | 9.4% | 7.0% | 2.0 |
 FIS | $24B | 62.1 | 7.6 | 9.8 | 36.9% | 16.5% | 2.6% | 6.0% | 1.1 |
 FISV | $31B | 9.0 | 6.7 | 7.1 | 59.4% | 26.9% | 13.0% | 8.1% | 3.3 |
| Financial Services Median | — | 13.3 | 11.4 | 10.6 | 62.9% | 21.4% | 9.5% | 5.7% | 4.1 |
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Start ComparisonBSVN — Frequently Asked Questions
Quick answers to the most common questions about buying BSVN stock.
What is Bank7 Corp.'s P/E ratio?
Bank7 Corp.'s current P/E ratio is 9.6x. The historical average is 9.9x. This places it at the 75th percentile of its historical range.
What is Bank7 Corp.'s EV/EBITDA?
Bank7 Corp.'s current EV/EBITDA is 2.9x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 2.2x.
What is Bank7 Corp.'s ROE?
Bank7 Corp.'s return on equity (ROE) is 18.6%. The historical average is 23.0%.
Is BSVN stock overvalued?
Based on historical data, Bank7 Corp. is trading at a P/E of 9.6x. This is at the 75th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
What is Bank7 Corp.'s dividend yield?
Bank7 Corp.'s current dividend yield is 2.25% with a payout ratio of 21.7%.
What are Bank7 Corp.'s profit margins?
Bank7 Corp. has 70.2% gross margin and 41.4% operating margin. Operating margin above 20% indicates strong pricing power and cost efficiency.