Bank7 Financials
This page shows Bank7 (BSVN) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 10 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).
Bank7’s core mechanic is turning a liability-funded balance sheet into strong earnings while gradually lowering leverage through retained capital.
Across the last three fiscal years, debt-to-equity moved from nearly 10x to 6.8x. Yet return on equity still held at17.2% in FY2025, which implies shareholder returns are being sustained with a thicker equity cushion rather than extra balance-sheet strain, and retained earnings are doing more of the funding work.
Operating cash flow of
The balance sheet remains heavily liability funded, with
Financial Health Signals
Based on FY2025 annual data, averaged across the last 3 years for performance metrics (most-recent year weighted highest). How this score is calculated →
Health score ≠ stock price. This rates the quality of Bank7's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.
Bank7's revenue declined 2.1% year-over-year, from $131.5M to $128.8M. This contraction results in a growth score of 38/100.
Bank7 has elevated debt relative to equity (D/E of 6.82), 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 32.1% of revenue into free cash flow ($41.4M). This strong cash generation earns a score of 100/100.
Bank7's ROE of 17.2% shows moderate profitability relative to equity, earning a score of 52/100. This is down from 21.4% the prior year.
Bank7 passes 3 of 9 financial strength tests. 3 of 4 profitability signals pass, no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), neither operating efficiency signal passes.
For every $1 of reported earnings, Bank7 generates $1.07 in operating cash flow ($46.1M OCF vs $43.1M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.
Key Financial Metrics
Earnings & Revenue
Bank7 generated $128.8M in revenue in fiscal year 2025. This represents a decrease of 2.1% from the prior year.
Bank7 reported $43.1M in net income in fiscal year 2025. This represents a decrease of 5.8% from the prior year.
Bank7 earned $4.50 per diluted share (EPS) in fiscal year 2025. This represents a decrease of 7.0% from the prior year.
Cash & Balance Sheet
Bank7 generated $41.4M in free cash flow in fiscal year 2025, representing cash available after capex. This represents a decrease of 18.6% from the prior year.
Bank7 held $244.6M in cash against $0 in long-term debt as of fiscal year 2025.
Bank7 paid $1.02 per share in dividends in fiscal year 2025. This represents an increase of 14.6% from the prior year.
Bank7 had 9M shares outstanding in fiscal year 2025. This represents an increase of 0.8% from the prior year.
Margins & Returns
Bank7's net profit margin was 33.5% in fiscal year 2025, showing the share of revenue converted to profit. This is down 1.3 percentage points from the prior year.
Bank7's ROE was 17.2% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is down 4.3 percentage points from the prior year.
Capital Allocation
Bank7 spent $1.3M on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents an increase of 91.7% from the prior year.
Bank7 invested $4.7M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents an increase of 12.9% from the prior year.
BSVN Income Statement
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $33.8M+2.9% | $32.8M-2.7% | $33.7M+6.1% | $31.8M+4.4% | $30.4M-5.8% | $32.3M-3.5% | $33.5M+3.2% | $32.4M |
| 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 | $6.3M+9.1% | $5.8M-0.4% | $5.8M+1.9% | $5.7M+8.4% | $5.3M+4.7% | $5.0M-5.4% | $5.3M+4.2% | $5.1M |
| Operating Income | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Interest Expense | $9.6M-9.1% | $10.6M-1.3% | $10.7M+6.5% | $10.0M+4.6% | $9.6M-9.4% | $10.6M-13.7% | $12.3M+9.5% | $11.2M |
| Income Tax | $3.8M+13.0% | $3.4M+1.0% | $3.3M-7.2% | $3.6M+6.7% | $3.4M-6.5% | $3.6M-2.9% | $3.7M-0.3% | $3.7M |
| Net Income | $12.0M+11.3% | $10.8M-0.6% | $10.8M-2.4% | $11.1M+7.4% | $10.3M-7.0% | $11.1M-5.7% | $11.8M+2.2% | $11.5M |
| EPS (Diluted) | $1.25 | N/A | $1.13-2.6% | $1.16+7.4% | $1.08 | N/A | $1.24+0.8% | $1.23 |
BSVN Balance Sheet
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $1.9B-0.9% | $2.0B+3.8% | $1.9B+3.0% | $1.8B+2.8% | $1.8B+2.6% | $1.7B0.0% | $1.7B+3.4% | $1.7B |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Cash & Equivalents | $246.7M+0.8% | $244.6M+1.2% | $241.8M+10.5% | $218.8M-9.0% | $240.6M+2.7% | $234.2M+25.4% | $186.7M-11.1% | $210.1M |
| 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% | $11.2M0.0% | $11.2M0.0% | $11.2M+32.5% | $8.5M0.0% | $8.5M0.0% | $8.5M |
| Total Liabilities | $1.7B-1.6% | $1.7B+3.8% | $1.6B+2.8% | $1.6B+2.6% | $1.6B+2.4% | $1.5B-0.6% | $1.5B+3.0% | $1.5B |
| 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 | $259.8M+3.5% | $251.0M+3.8% | $241.7M+4.3% | $231.9M+4.6% | $221.7M+4.0% | $213.2M+4.4% | $204.2M+7.0% | $190.8M |
| Retained Earnings | $159.1M+6.3% | $149.7M+5.8% | $141.5M+6.2% | $133.2M+7.1% | $124.3M+6.9% | $116.3M+8.2% | $107.4M+9.7% | $97.9M |
BSVN Cash Flow Statement
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $16.6M+83.8% | $9.1M-45.5% | $16.6M+76.0% | $9.4M-14.1% | $11.0M-16.0% | $13.1M-2.0% | $13.4M+64.0% | $8.1M |
| Capital Expenditures | $2.5M+129.7% | $1.1M+406.5% | $214K-66.5% | $639K-77.2% | $2.8M+114.6% | $1.3M+113.1% | $613K-61.9% | $1.6M |
| Free Cash Flow | $14.2M+77.5% | $8.0M-51.4% | $16.4M+86.3% | $8.8M+7.5% | $8.2M-30.5% | $11.8M-7.6% | $12.7M+95.1% | $6.5M |
| Investing Cash Flow | $18.6M+127.5% | -$67.4M-97.4% | -$34.1M+52.4% | -$71.8M-92.6% | -$37.3M-183.0% | $44.9M+156.7% | -$79.3M-172.5% | $109.3M |
| Financing Cash Flow | -$33.1M-154.1% | $61.2M+51.3% | $40.4M-0.4% | $40.6M+24.3% | $32.6M+409.7% | -$10.5M-124.8% | $42.5M+142.3% | -$100.5M |
| Dividends Paid | $2.6M+0.1% | $2.6M+12.5% | $2.3M0.0% | $2.3M+0.6% | $2.3M+0.5% | $2.2M+15.3% | $1.9M+0.3% | $1.9M |
| Share Buybacks | $1.2M+368.1% | $251K+2688.9% | $9K+350.0% | $2K-99.8% | $1.0M+321.2% | $241K+3342.9% | $7K+600.0% | $1K |
BSVN Financial Ratios
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| 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 | 35.5%+2.7pp | 32.9%+0.7pp | 32.2%-2.8pp | 34.9%+1.0pp | 34.0%-0.4pp | 34.4%-0.8pp | 35.2%-0.4pp | 35.5% |
| Return on Equity | 4.6%+0.3pp | 4.3%-0.2pp | 4.5%-0.3pp | 4.8%+0.1pp | 4.7%-0.5pp | 5.2%-0.6pp | 5.8%-0.3pp | 6.0% |
| Return on Assets | 0.6%+0.1pp | 0.5%-0.0pp | 0.6%-0.0pp | 0.6%+0.0pp | 0.6%-0.1pp | 0.6%-0.0pp | 0.7%0.0pp | 0.7% |
| Current Ratio | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Debt-to-Equity | 6.49-0.3 | 6.820.0 | 6.82-0.1 | 6.92-0.1 | 7.05-0.1 | 7.16-0.4 | 7.52-0.3 | 7.82 |
| FCF Margin | 41.9%+17.6pp | 24.3%-24.4pp | 48.7%+21.0pp | 27.7%+0.8pp | 26.9%-9.5pp | 36.5%-1.6pp | 38.1%+17.9pp | 20.2% |
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Frequently Asked Questions
What is Bank7's annual revenue?
Bank7 (BSVN) reported $128.8M in total revenue for fiscal year 2025. This represents a -2.1% 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 declined by 2.1% year-over-year, from $131.5M to $128.8M in fiscal year 2025.
Is Bank7 profitable?
Yes, Bank7 (BSVN) reported a net income of $43.1M in fiscal year 2025, with a net profit margin of 33.5%.
What is Bank7's net profit margin?
Bank7 (BSVN) had a net profit margin of 33.5% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.
Does Bank7 pay dividends?
Yes, Bank7 (BSVN) paid $1.02 per share in dividends during fiscal year 2025.
What is Bank7's return on equity (ROE)?
Bank7 (BSVN) has a return on equity of 17.2% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.
What is Bank7's free cash flow?
Bank7 (BSVN) generated $41.4M in free cash flow during fiscal year 2025. This represents a -18.6% 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 $46.1M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
What are Bank7's total assets?
Bank7 (BSVN) had $2.0B in total assets as of fiscal year 2025, including both current and long-term assets.
What are Bank7's capital expenditures?
Bank7 (BSVN) invested $4.7M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.
What is Bank7's debt-to-equity ratio?
Bank7 (BSVN) had a debt-to-equity ratio of 6.82 as of fiscal year 2025, 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 2.2% for fiscal year 2025, 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 3 out of 9, indicating weak 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 to 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 1.07x, 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 32 out of 100 on our Financial Profile, indicating weak 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.