Bank7 Financials
Financial Health Signals
Based on FY2024 annual data. Scores normalized against common benchmarks. How we calculate these scores
Bank7's revenue grew 8.2% year-over-year to $131.5M, a solid pace of expansion. This earns a growth score of 52/100.
Bank7 has elevated debt relative to equity (D/E of 7.16), meaning the company relies heavily on borrowed funds. This high leverage results in a low score of 0/100, reflecting increased financial risk.
Bank7 converts 38.7% of revenue into free cash flow ($50.8M). This strong cash generation earns a score of 100/100.
Bank7 earns a strong 21.4% return on equity (ROE), meaning it generates $21 of profit for every $100 of shareholders' equity. This efficient capital use earns a returns score of 86/100. This is up from 16.6% the prior year.
Bank7 passes 5 of 9 financial strength tests. All 4 profitability signals pass (positive income, cash flow, and earnings quality), no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), both operating efficiency signals pass.
For every $1 of reported earnings, Bank7 generates $1.20 in operating cash flow ($55.0M OCF vs $45.7M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.
This page shows Bank7 (BSVN) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 9 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).
Key Financial Metrics
Bank7 generated $131.5M in revenue in fiscal year 2024. This represents an increase of 8.2% from the prior year.
Bank7 generated $50.8M in free cash flow in fiscal year 2024, representing cash available after capex. This represents an increase of 9.8% from the prior year.
Bank7 reported $45.7M in net income in fiscal year 2024. This represents an increase of 61.6% from the prior year.
Bank7 earned $4.84 per diluted share (EPS) in fiscal year 2024. This represents an increase of 58.7% from the prior year.
Bank7 held $234.2M in cash against $0 in long-term debt as of fiscal year 2024.
Bank7 paid $0.89 per share in dividends in fiscal year 2024. This represents an increase of 20.3% from the prior year.
Bank7 had 9M shares outstanding in fiscal year 2024. This represents an increase of 2.1% from the prior year.
Bank7's net profit margin was 34.7% in fiscal year 2024, showing the share of revenue converted to profit. This is up 11.5 percentage points from the prior year.
Bank7's ROE was 21.4% in fiscal year 2024, measuring profit generated per dollar of shareholder equity. This is up 4.8 percentage points from the prior year.
Bank7 spent $666K on share buybacks in fiscal year 2024, returning capital to shareholders by reducing shares outstanding. This represents an increase of 29.8% from the prior year.
Bank7 invested $4.2M in capex in fiscal year 2024, funding long-term assets and infrastructure. This represents an increase of 48.1% from the prior year.
BSVN Income Statement
| Metric | Q3'25 | Q2'25 | Q1'25 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $33.7M+6.1% | $31.8M+4.4% | $30.4M-5.8% | $32.3M-0.3% | $32.4M-2.6% | $33.3M+2.7% | $32.4M+2.1% | $31.7M |
| Cost of Revenue | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Gross Profit | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| R&D Expenses | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A Expenses | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Operating Income | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Interest Expense | $10.7M+6.5% | $10.0M+4.6% | $9.6M-9.4% | $10.6M-5.5% | $11.2M-0.6% | $11.3M+1.6% | $11.1M+1.2% | $11.0M |
| Income Tax | $3.3M-7.2% | $3.6M+6.7% | $3.4M-6.5% | $3.6M-3.2% | $3.7M+3.8% | $3.6M+630.7% | $492K-79.1% | $2.4M |
| Net Income | $10.8M-2.4% | $11.1M+7.4% | $10.3M-7.0% | $11.1M-3.6% | $11.5M+2.1% | $11.3M+955.9% | $1.1M-86.4% | $7.9M |
| EPS (Diluted) | $1.13-2.6% | $1.16+7.4% | $1.08-6.9% | $1.16-5.7% | $1.23+1.7% | $1.21+1000.0% | $0.11-87.1% | $0.85 |
BSVN Balance Sheet
| Metric | Q3'25 | Q2'25 | Q1'25 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $1.9B+3.0% | $1.8B+2.8% | $1.8B+2.6% | $1.7B+3.4% | $1.7B-5.2% | $1.8B+0.2% | $1.8B0.0% | $1.8B |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Cash & Equivalents | $241.8M+10.5% | $218.8M-9.0% | $240.6M+2.7% | $234.2M+11.5% | $210.1M+8.7% | $193.2M+6.7% | $181.0M+6.8% | $169.5M |
| Inventory | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Accounts Receivable | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Goodwill | $11.2M0.0% | $11.2M0.0% | $11.2M+32.5% | $8.5M0.0% | $8.5M0.0% | $8.5M0.0% | $8.5M0.0% | $8.5M |
| Total Liabilities | $1.6B+2.8% | $1.6B+2.6% | $1.6B+2.4% | $1.5B+2.3% | $1.5B-6.4% | $1.6B-0.4% | $1.6B-0.2% | $1.6B |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Long-Term Debt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Total Equity | $241.7M+4.3% | $231.9M+4.6% | $221.7M+4.0% | $213.2M+11.7% | $190.8M+5.8% | $180.4M+5.9% | $170.3M+1.4% | $167.9M |
| Retained Earnings | $141.5M+6.2% | $133.2M+7.1% | $124.3M+6.9% | $116.3M+18.8% | $97.9M+10.8% | $88.3M+11.8% | $79.0M-1.1% | $79.8M |
BSVN Cash Flow Statement
| Metric | Q3'25 | Q2'25 | Q1'25 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $16.6M+76.0% | $9.4M-14.1% | $11.0M-16.0% | $13.1M+60.7% | $8.1M-60.2% | $20.4M+26.5% | $16.2M+25.9% | $12.8M |
| Capital Expenditures | $214K-66.5% | $639K-77.2% | $2.8M+114.6% | $1.3M-18.9% | $1.6M+141.0% | $668K+187.9% | $232K-38.5% | $377K |
| Free Cash Flow | $16.4M+86.3% | $8.8M+7.5% | $8.2M-30.5% | $11.8M+80.3% | $6.5M-67.0% | $19.8M+24.2% | $15.9M+27.8% | $12.5M |
| Investing Cash Flow | -$34.1M+52.4% | -$71.8M-92.6% | -$37.3M-183.0% | $44.9M-58.9% | $109.3M+1988.1% | $5.2M+1514.3% | -$370K+99.7% | -$121.6M |
| Financing Cash Flow | $40.4M-0.4% | $40.6M+24.3% | $32.6M+409.7% | -$10.5M+89.5% | -$100.5M-644.5% | -$13.5M-218.8% | -$4.2M-105.2% | $81.8M |
| Dividends Paid | $2.3M0.0% | $2.3M+0.6% | $2.3M+0.5% | $2.2M+15.6% | $1.9M+0.4% | $1.9M0.0% | $1.9M+32.1% | $1.5M |
| Share Buybacks | $9K+350.0% | $2K-99.8% | $1.0M+321.2% | $241K+24000.0% | $1K-99.8% | $417K+185.6% | $146K-37.6% | $234K |
BSVN Financial Ratios
| Metric | Q3'25 | Q2'25 | Q1'25 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 |
|---|---|---|---|---|---|---|---|---|
| Gross Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Operating Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Net Margin | 32.2%-2.8pp | 34.9%+1.0pp | 34.0%-0.4pp | 34.4%-1.2pp | 35.5%+1.6pp | 33.9%+30.6pp | 3.3%-21.5pp | 24.8% |
| Return on Equity | 4.5%-0.3pp | 4.8%+0.1pp | 4.7%-0.5pp | 5.2%-0.8pp | 6.0%-0.2pp | 6.3%+5.6pp | 0.6%-4.0pp | 4.7% |
| Return on Assets | 0.6%-0.0pp | 0.6%+0.0pp | 0.6%-0.1pp | 0.6%-0.0pp | 0.7%+0.0pp | 0.6%+0.6pp | 0.1%-0.4pp | 0.4% |
| Current Ratio | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Debt-to-Equity | 6.82-0.1 | 6.92-0.1 | 7.05-0.1 | 7.16-0.7 | 7.82-1.0 | 8.84-0.6 | 9.40-0.2 | 9.56 |
| FCF Margin | 48.7%+21.0pp | 27.7%+0.8pp | 26.9%-9.5pp | 36.5%+16.3pp | 20.2%-39.3pp | 59.4%+10.3pp | 49.1%+9.9pp | 39.3% |
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Frequently Asked Questions
What is Bank7's annual revenue?
Bank7 (BSVN) reported $131.5M in total revenue for fiscal year 2024. This represents a 8.2% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.
How fast is Bank7's revenue growing?
Bank7 (BSVN) revenue grew by 8.2% year-over-year, from $121.5M to $131.5M in fiscal year 2024.
Is Bank7 profitable?
Yes, Bank7 (BSVN) reported a net income of $45.7M in fiscal year 2024, with a net profit margin of 34.7%.
What is Bank7's earnings per share (EPS)?
Bank7 (BSVN) reported diluted earnings per share of $4.84 for fiscal year 2024. This represents a 58.7% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.
What is Bank7's net profit margin?
Bank7 (BSVN) had a net profit margin of 34.7% in fiscal year 2024, representing the share of revenue converted into profit after all expenses.
Does Bank7 pay dividends?
Yes, Bank7 (BSVN) paid $0.89 per share in dividends during fiscal year 2024.
What is Bank7's return on equity (ROE)?
Bank7 (BSVN) has a return on equity of 21.4% for fiscal year 2024, measuring how efficiently the company generates profit from shareholder equity.
What is Bank7's free cash flow?
Bank7 (BSVN) generated $50.8M in free cash flow during fiscal year 2024. This represents a 9.8% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.
What is Bank7's operating cash flow?
Bank7 (BSVN) generated $55.0M in operating cash flow during fiscal year 2024, representing cash generated from core business activities.
What are Bank7's total assets?
Bank7 (BSVN) had $1.7B in total assets as of fiscal year 2024, including both current and long-term assets.
What are Bank7's capital expenditures?
Bank7 (BSVN) invested $4.2M in capital expenditures during fiscal year 2024, funding long-term assets and infrastructure.
Does Bank7 buy back shares?
Yes, Bank7 (BSVN) spent $666K on share buybacks during fiscal year 2024, returning capital to shareholders by reducing shares outstanding.
How many shares does Bank7 have outstanding?
Bank7 (BSVN) had 9M shares outstanding as of fiscal year 2024.
What is Bank7's debt-to-equity ratio?
Bank7 (BSVN) had a debt-to-equity ratio of 7.16 as of fiscal year 2024, measuring the company's financial leverage by comparing total debt to shareholder equity.
What is Bank7's return on assets (ROA)?
Bank7 (BSVN) had a return on assets of 2.6% for fiscal year 2024, measuring how efficiently the company uses its assets to generate profit.
What is Bank7's Piotroski F-Score?
Bank7 (BSVN) has a Piotroski F-Score of 5 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
Are Bank7's earnings high quality?
Bank7 (BSVN) has an earnings quality ratio of 1.20x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.
How financially healthy is Bank7?
Bank7 (BSVN) scores 59 out of 100 on our Financial Profile, indicating moderate overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.