NASDAQ : BSVN
Bank7 Corp. — Financial statements
Financials · Banks - Regional · United States
Last price 59.3 USD (Oct 29, 2026, 4:00 PM EDT) · Market cap 564.88M
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Financial statements
Income statement
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Interest Income on Loans | 120.41M | 117.51M | 119.42M | 109.84M | 74.40M | 55.77M |
| Interest Income on Investments | 9.05M | 11.24M | 12.12M | 11.70M | 4.35M | 521.00K |
| Total Interest Income | 129.46M | 128.76M | 131.54M | 121.54M | 78.75M | 56.29M |
| Interest Paid on Deposits | 38.80M | 40.88M | 45.34M | 39.00M | 9.32M | 3.05M |
| Total Interest Expense | 38.80M | 40.88M | 45.34M | 39.00M | 9.32M | 3.05M |
| Net Interest Income | 90.66M | 87.87M | 86.19M | 82.55M | 69.43M | 53.24M |
| Gain (Loss) on Sale of Investments | -5.00K | -10.00K | -6.00K | -16.00K | -127.00K | |
| Other Non-Interest Income | 4.94M | 7.57M | 10.29M | 8.39M | 2.17M | 1.70M |
| Total Non-Interest Income | 5.88M | 8.50M | 11.25M | 9.24M | 2.94M | 2.25M |
| Revenues Before Loan Losses | 96.54M | 96.38M | 97.45M | 91.79M | 72.37M | 55.49M |
| Provision for Loan Losses | 700.00K | 21.14M | 4.47M | 4.17M | ||
| Revenue | 96.54M | 95.68M | 97.45M | 70.64M | 67.90M | 51.31M |
| Salaries and Employee Benefits | 21.01M | 19.57M | 18.32M | 15.22M | 15.66M | 10.94M |
| Federal Deposit Insurance | 1.05M | 814.00K | 1.20M | 1.54M | 1.34M | 604.00K |
| Selling, General & Administrative | 12.87M | 11.16M | 9.89M | 8.92M | 9.07M | 6.55M |
| Other Non-Interest Expense | 7.01M | 7.36M | 7.69M | 7.74M | 2.57M | 2.30M |
| Total Non-Interest Expense | 41.93M | 38.91M | 37.09M | 33.42M | 28.64M | 20.40M |
| EBT Excluding Unusual Items | 54.61M | 56.77M | 60.35M | 37.22M | 39.26M | 30.91M |
| Pretax Income | 54.61M | 56.77M | 60.35M | 37.22M | 39.26M | 30.91M |
| Income Tax Expense | 13.27M | 13.70M | 14.66M | 8.95M | 9.62M | 7.75M |
| Net Income | 41.34M | 43.07M | 45.70M | 28.27M | 29.64M | 23.16M |
| Net Income to Common | 41.34M | 43.07M | 45.70M | 28.27M | 29.64M | 23.16M |
| Basic Shares Outstanding | 9.50M | 9.44M | 9.29M | 9.16M | 9.10M | 9.06M |
| Diluted Shares Outstanding | 9.61M | 9.57M | 9.45M | 9.26M | 9.20M | 9.09M |
| EPS (Basic) | 4.35 | 4.56 | 4.92 | 3.09 | 3.26 | 2.56 |
| EPS (Diluted) | 4.30 | 4.50 | 4.84 | 3.05 | 3.22 | 2.55 |
| Dividend Per Share | 1.11 | 1.02 | 0.90 | 0.74 | 0.52 | 0.45 |
| Effective Tax Rate | 24.30% | 24.13% | 24.28% | 24.04% | 24.50% | 25.09% |
Balance sheet
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | 277.18M | 244.63M | 234.20M | 181.04M | 109.11M | 204.85M |
| Investment Securities | 48.91M | 40.21M | 37.75M | 153.95M | 141.77M | 56.09M |
| Mortgage-Backed Securities | 25.43M | 30.20M | 34.50M | 38.07M | 33.15M | |
| Total Investments | 48.91M | 65.64M | 67.94M | 188.45M | 179.85M | 89.25M |
| Gross Loans | 1.63B | 1.61B | 1.40B | 1.36B | 1.27B | 1.03B |
| Allowance for Loan Losses | -19.37M | -19.41M | -17.92M | -19.69M | -14.73M | -10.32M |
| Other Adjustments to Gross Loans | -2.94M | -1.91M | -2.76M | -2.78M | -2.58M | |
| Net Loans | 1.61B | 1.59B | 1.38B | 1.34B | 1.26B | 1.02B |
| Property, Plant & Equipment | 27.13M | 23.98M | 18.14M | 14.94M | 13.11M | 17.26M |
| Goodwill | 11.21M | 11.21M | 8.46M | 8.46M | 8.60M | 8.48M |
| Other Intangible Assets | 658.00K | 752.00K | 878.00K | 1.03M | 1.34M | 1.64M |
| Loans Held for Sale | 2.68M | 2.08M | 718.00K | 464.00K | ||
| Accrued Interest Receivable | 25.70M | 8.82M | 8.84M | 8.70M | 8.12M | 4.26M |
| Long-Term Deferred Tax Assets | 5.89M | 5.46M | 1.22M | |||
| Other Long-Term Assets | 19.50M | 21.89M | 21.29M | 2.85M | 5.04M | |
| Total Assets | 2.01B | 1.96B | 1.74B | 1.77B | 1.58B | 1.35B |
| Interest Bearing Deposits | 1.39B | 1.26B | 1.11B | 1.02B | 947.32M | 805.86M |
| Institutional Deposits | 96.22M | 92.34M | 88.09M | 42.57M | 44.91M | |
| Non-Interest Bearing Deposits | 328.11M | 341.42M | 313.26M | 482.35M | 441.51M | 366.70M |
| Total Deposits | 1.72B | 1.70B | 1.52B | 1.59B | 1.43B | 1.22B |
| Current Portion of Leases | 621.00K | 646.00K | 553.00K | |||
| Current Income Taxes Payable | 139.00K | 594.00K | 77.00K | 302.00K | 1.05M | |
| Accrued Interest Payable | 12.06M | 1.12M | 1.18M | 7.31M | 339.00K | 117.00K |
| Long-Term Leases | 1.52M | 1.23M | 1.78M | |||
| Other Long-Term Liabilities | 7.95M | 7.99M | 7.28M | 5.55M | ||
| Total Liabilities | 1.73B | 1.71B | 1.53B | 1.60B | 1.44B | 1.22B |
| Common Stock | 95.00K | 95.00K | 94.00K | 92.00K | 91.00K | 91.00K |
| Additional Paid-In Capital | 104.58M | 103.74M | 101.81M | 97.42M | 95.26M | 94.02M |
| Retained Earnings | 172.26M | 149.71M | 116.28M | 78.96M | 58.05M | 33.15M |
| Comprehensive Income & Other | -3.21M | -2.55M | -4.97M | -6.14M | -9.30M | 144.00K |
| Shareholders' Equity | 273.73M | 251.00M | 213.21M | 170.33M | 144.10M | 127.41M |
| Total Liabilities & Equity | 2.01B | 1.96B | 1.74B | 1.77B | 1.58B | 1.35B |
| Total Debt | 2.15M | 1.87M | 2.34M | |||
| Net Cash (Debt) | 277.18M | 252.95M | 239.04M | 196.38M | 114.59M | 208.09M |
| Net Cash Per Share | 28.84 | 26.42 | 25.30 | 21.20 | 12.45 | 22.89 |
| Filing Date Shares Outstanding | 9.53M | 9.52M | 9.45M | 9.24M | 9.15M | 9.09M |
| Total Common Shares Outstanding | 9.53M | 9.46M | 9.39M | 9.20M | 9.13M | 9.07M |
| Book Value Per Share | 28.73 | 26.52 | 22.71 | 18.52 | 15.78 | 14.04 |
| Tangible Book Value | 261.86M | 239.03M | 203.88M | 160.84M | 134.16M | 117.29M |
| Tangible Book Value Per Share | 27.49 | 25.26 | 21.71 | 17.49 | 14.69 | 12.93 |
Cash flow statement
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Net Income | 43.07M | 45.70M | 28.27M | 29.64M | 23.16M | |
| Depreciation & Amortization | 1.12M | 1.06M | 1.30M | 1.41M | 1.03M | |
| Gain (Loss) on Sale of Assets | -120.00K | -77.00K | -24.00K | -1.00K | ||
| Gain (Loss) on Sale of Investments | 208.00K | -760.00K | 397.00K | 939.00K | 30.00K | |
| Provision for Credit Losses | 700.00K | 21.14M | 4.47M | 4.17M | ||
| Net Decrease (Increase) in Loans Originated / Sold - Operating | -752.00K | 1.09M | -387.00K | 950.00K | 295.00K | |
| Accrued Interest Receivable | 13.00K | 5.28M | -2.54M | -1.86M | 907.00K | |
| Other Operating Activities | -344.00K | -144.00K | -1.26M | -1.42M | 235.00K | |
| Operating Cash Flow | 46.14M | 55.05M | 49.12M | 39.71M | 30.13M | |
| Capital Expenditures | -4.74M | -4.20M | -2.83M | -294.00K | -599.00K | |
| Sale of Property, Plant and Equipment | 218.00K | 78.00K | 3.37M | 17.00K | ||
| Cash Acquisitions | -2.75M | -16.48M | 20.43M | |||
| Investment in Securities | 5.30M | 122.78M | -4.86M | -103.74M | 14.61M | |
| Net Decrease (Increase) in Loans Originated / Sold - Investing | -208.40M | -38.64M | -106.76M | -242.10M | -77.95M | |
| Investing Cash Flow | -210.59M | 80.16M | -130.86M | -342.77M | -43.49M | |
| Issuance of Common Stock | 146.00K | 2.59M | 504.00K | 309.00K | 1.00K | |
| Repurchase of Common Stock | -1.28M | -666.00K | -513.00K | -454.00K | -178.00K | |
| Common Dividends Paid | -9.34M | -8.06M | -6.32M | -4.37M | -3.98M | |
| Net Increase (Decrease) in Deposit Accounts | 185.36M | -75.92M | 159.99M | 211.83M | 68.47M | |
| Financing Cash Flow | 174.89M | -82.05M | 153.66M | 207.32M | 64.31M | |
| Net Cash Flow | 10.44M | 53.15M | 71.93M | -95.74M | 50.95M | |
| Free Cash Flow | 41.40M | 50.85M | 46.29M | 39.42M | 29.53M | |
| Free Cash Flow Margin | 43.27% | 52.18% | 65.53% | 58.06% | 57.56% | |
| Free Cash Flow Per Share | 4.32 | 5.38 | 5.00 | 4.28 | 3.25 | |
| Cash Interest Paid | 40.95M | 45.56M | 37.94M | 9.10M | 3.22M | |
| Cash Income Tax Paid | 13.71M | 15.06M | 10.80M | 9.98M | 7.51M |
Ratios
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Market Capitalization | 558.50M | 387.40M | 435.95M | 251.25M | 233.36M | 208.64M |
| Last Close Price | 58.63 | 40.23 | 44.71 | 25.51 | 23.18 | 20.39 |
| PE Ratio | 13.64 | 8.99 | 9.54 | 8.89 | 7.87 | 9.01 |
| PS Ratio | 5.79 | 4.05 | 4.47 | 3.56 | 3.44 | 4.07 |
| PB Ratio | 2.04 | 1.54 | 2.04 | 1.48 | 1.62 | 1.64 |
| P/FCF Ratio | 12.69 | 9.36 | 8.57 | 5.43 | 5.92 | 7.06 |
| P/OCF Ratio | 11.21 | 8.40 | 7.92 | 5.11 | 5.88 | 6.92 |
| Debt / Equity Ratio | 0.01 | 0.01 | 0.01 | |||
| Debt / FCF Ratio | 0.05 | 0.04 | 0.05 | |||
| Net Debt / Equity Ratio | -1.01 | -1.01 | -1.12 | -1.15 | -0.80 | -1.63 |
| Net Debt / FCF Ratio | -6.11 | -4.70 | -4.24 | -2.91 | -7.05 | |
| Return on Equity (ROE) | 16.04% | 18.56% | 23.83% | 17.98% | 21.83% | 19.73% |
| Return on Assets (ROA) | 2.12% | 2.33% | 2.60% | 1.69% | 2.02% | 1.96% |
| Earnings Yield | 7.33% | 11.12% | 10.48% | 11.25% | 12.70% | 11.10% |
| FCF Yield | 7.88% | 10.69% | 11.66% | 18.43% | 16.89% | 14.16% |
| Dividend Yield | 2.05% | 2.49% | 1.94% | 2.71% | 2.04% | 1.96% |
| Payout Ratio | 27.91% | 21.69% | 17.63% | 22.36% | 14.73% | 17.19% |
| Buyback Yield / Dilution | -0.43% | -1.34% | -1.98% | -0.65% | -1.24% | 3.07% |
| Total Shareholder Return | 1.62% | 1.15% | -0.04% | 2.06% | 0.79% | 5.02% |