A Business at a Glance
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Company Overview We are Bank7 Corp., a bank holding company headquartered in Oklahoma City, Oklahoma. Through our wholly-owned subsidiary, Bank7, we operate twelve full-service branches in Oklahoma, Texas, and Kansas. We were formed in 2004 in connection with our acquisition of First National Bank of Medford, which was renamed Bank7 (the “Bank”). We are focused on serving business owners and entrepreneurs by delivering fast, consistent and well-designed banking solutions. As of December 31, 2024, we had total assets of $1.74 billion, total loans of $1.40 billion, total deposits of $1.52 billion and total shareholders’ equity of $213.2 million. Our website is: www.bank7.com.
| Metric | TTM | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 |
|---|---|---|---|---|---|---|
| Revenue | 96M | 97M | 92M | 72M | 55M | 49M |
| Net Income | 43M | 46M | 28M | 30M | 23M | 19M |
| EPS | $4.54 | $4.84 | $3.05 | $3.22 | $2.55 | $2.05 |
| Free Cash Flow | 45M | 51M | 46M | 39M | 29M | 25M |
| ROIC | 18.0% | 21.4% | 16.6% | 20.6% | 18.2% | 18.0% |
| Gross Margin | - | - | - | - | - | - |
| Debt/Equity | 0.00 | 7.16 | 9.40 | 9.99 | 9.60 | 8.47 |
| Dividends/Share | $0.96 | $0.85 | $0.68 | $0.47 | $0.44 | $0.83 |
| Operating Income | 7.0M | 9.9M | 8.1M | 1.7M | 1.3M | 1.0M |
| Operating Margin | 7.3% | 10.2% | 8.8% | 2.3% | 2.3% | 2.1% |
| ROE | 18.0% | 23.8% | 16.6% | 21.8% | 18.2% | 18.0% |
| Shares Outstanding | 9M | 9M | 9M | 9M | 9M | 9M |
| Metric | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | |||
|---|---|---|---|---|---|---|---|---|---|
| Income Statement | |||||||||
| Revenue | 40M | 41M | 44M | 49M | 55M | 72M | 92M | 97M | 96M |
| Gross Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| R&D | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| EBIT | 29M | 33M | 752K | 1.0M | 1.3M | 1.7M | 8.1M | 9.9M | 7.0M |
| Op. Margin | 72.1% | 80.5% | 1.7% | 2.1% | 2.3% | 2.3% | 8.8% | 10.2% | 7.3% |
| Net Income | 24M | 25M | 8.2M | 19M | 23M | 30M | 28M | 46M | 43M |
| Net Margin | 60.1% | 61.0% | 18.9% | 39.5% | 41.7% | 41.0% | 30.8% | 46.9% | 45.0% |
| Non-Recurring | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Returns on Capital | |||||||||
| ROIC | 38.2% | 36.1% | 8.2% | 18.0% | 18.2% | 20.6% | 16.6% | 21.4% | 18.0% |
| ROE | 34.4% | 28.3% | 8.2% | 18.0% | 18.2% | 21.8% | 16.6% | 23.8% | 18.0% |
| ROA | 3.4% | 3.2% | 0.9% | 1.9% | 1.7% | 2.0% | 1.6% | 2.6% | 149.9% |
| Cash Flow | |||||||||
| Op. Cash Flow | 26M | 27M | 19M | 25M | 30M | 40M | 49M | 55M | 50M |
| Free Cash Flow | 22M | 27M | 16M | 25M | 29M | 39M | 46M | 51M | 45M |
| Owner Earnings | 25M | 26M | 6.2M | 23M | 28M | 37M | 46M | 52M | 47M |
| CapEx | 4.0M | 378K | 3.1M | 438K | 599K | 294K | 2.8M | 4.2M | 5.0M |
| Maint. CapEx | 1.1M | 1.1M | 849K | 1.1M | 1.0M | 1.4M | 1.3M | 1.1M | 1.1M |
| Growth CapEx | 2.9M | 0 | 2.3M | 0 | 0 | 0 | 1.5M | 3.1M | 3.9M |
| D&A | 1.1M | 1.1M | 849K | 1.1M | 1.0M | 1.4M | 1.3M | 1.1M | 1.1M |
| CapEx/OCF | N/A | 1.4% | 16.2% | 1.7% | 2.0% | 0.7% | 5.8% | 7.6% | 9.9% |
| Capital Allocation | |||||||||
| Dividends Paid | 9.7M | 56M | 1.0M | 7.8M | 4.0M | 4.4M | 6.3M | 8.1M | 9.0M |
| Dividend Yield | N/A | 47.0% | 0.7% | 8.4% | 2.5% | 2.2% | 2.9% | 2.6% | 2.2% |
| Share Buybacks | 0 | 0 | 2.6M | 0 | 0 | 0 | 513K | 666K | 666K |
| Buyback Yield | N/A | N/A | 1.6% | N/A | N/A | N/A | 0.2% | 0.2% | 0.2% |
| Stock-Based Comp | 0 | 154K | 12M | 771K | 862K | 1.4M | 2.2M | 2.5M | 2.5M |
| Debt Repayment | 800K | 5.6M | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Balance Sheet | |||||||||
| Net Debt | 5.6M | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |
| Cash & Equiv. | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Long-Term Debt | 5.6M | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Debt/Equity | 0.08 | 7.71 | 7.65 | 8.47 | 9.60 | 9.99 | 9.40 | 7.16 | 0.00 |
| Interest Coverage | 6.0 | 4.6 | 0.1 | 0.2 | 0.4 | 0.2 | 0.2 | 0.2 | 0.2 |
| Equity | 69M | 88M | 100M | 107M | 127M | 144M | 170M | 213M | 242M |
| Total Assets | 704M | 771M | 866M | 1.0B | 1.4B | 1.6B | 1.8B | 1.7B | 29M |
| Total Liabilities | 634M | 682M | 766M | 909M | 1.2B | 1.4B | 1.6B | 1.5B | 341M |
| Intangibles | 4.4M | 4.0M | 3.6M | 1.6M | 10M | 9.9M | 9.5M | 9.3M | 9.3M |
| Retained Earnings | 62M | 8.1M | 7.6M | 14M | 33M | 58M | 79M | 116M | 116M |
| Working Capital | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Per Share Data | |||||||||
| EPS | 3.26 | 3.03 | 0.81 | 2.05 | 2.55 | 3.22 | 3.05 | 4.84 | 4.54 |
| Owner EPS | 3.40 | 3.12 | 0.61 | 2.49 | 3.09 | 4.01 | 4.93 | 5.46 | 4.93 |
| Book Value | 9.48 | 10.72 | 9.86 | 11.42 | 14.03 | 15.66 | 18.37 | 22.58 | 25.57 |
| Cash Flow/Share | 3.55 | 3.27 | 1.89 | 2.69 | 3.30 | 4.31 | 5.30 | 5.83 | 4.70 |
| Dividends/Share | 1.34 | 6.81 | 0.10 | 0.83 | 0.44 | 0.47 | 0.68 | 0.85 | 0.96 |
| Shares Out. | 7.3M | 8.3M | 10.2M | 9.4M | 9.1M | 9.2M | 9.3M | 9.4M | 9.5M |
| Valuation | |||||||||
| P/E Ratio | N/A | 3.4 | 19.8 | 6.2 | 8.1 | 7.3 | 8.5 | 9.2 | 9.7 |
| P/FCF | N/A | 3.2 | 10.1 | 4.9 | 6.4 | 5.5 | 5.2 | 8.3 | 9.2 |
| EV/EBIT | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 59.3 |
| Price/Book | N/A | 1.0 | 1.6 | 1.1 | 1.5 | 1.5 | 1.4 | 2.0 | 1.7 |
| Price/Sales | N/A | 2.9 | 3.3 | 1.9 | 2.9 | 2.8 | 2.4 | 3.2 | 4.3 |
| FCF Yield | N/A | 31.2% | 9.9% | 20.6% | 15.6% | 18.3% | 19.4% | 12.0% | 10.9% |
| Market Cap | N/A | 85M | 163M | 120M | 189M | 216M | 239M | 422M | 415M |
| Avg. Price | N/A | 14.47 | 14.26 | 9.90 | 17.45 | 21.90 | 23.31 | 33.12 | 43.95 |
| Year-End Price | N/A | 10.34 | 16.06 | 12.80 | 20.77 | 23.47 | 25.79 | 44.70 | 43.95 |
Bank7 Corp. passes 5 of 9 quality checks, suggesting mixed fundamentals.
Bank7 Corp. trades at 9.7x trailing earnings, compared to its 15-year median P/E of 8.1x, suggesting it is currently Fair relative to its historical range. On a free-cash-flow basis, the stock trades at 9.2x vs a median of 5.5x. The company's 5-year average ROIC is 18.9%. Total shareholder yield (dividends + buybacks) is 2.3%. At current prices, the estimated annualized return to fair value is +14.7%.
Bank7 Corp. (BSVN) has a current P/E ratio of 9.7, compared to its historical median P/E of 8.1. The stock is currently considered Fair based on its historical valuation range.
Bank7 Corp. (BSVN) has a 5-year average return on invested capital (ROIC) of 18.9%. This indicates strong capital allocation and a potential competitive advantage.
Bank7 Corp. (BSVN) has a market capitalization of $415M. It is classified as a small-cap stock.
Yes, Bank7 Corp. (BSVN) pays a dividend with a trailing twelve-month yield of 2.17%. The company also returns capital through share buybacks, with a buyback yield of 0.16%.
Based on historical P/E analysis, Bank7 Corp. (BSVN) appears fair. The current P/E of 9.7 is 19% above its historical median of 8.1. The estimated fair value CAGR (P/E method) is 19.2%.
Bank7 Corp. (BSVN) operates in the State Commercial Banks industry, within the Financials sector.
Bank7 Corp. (BSVN) reported annual revenue of $97 million in its most recent fiscal year, based on SEC EDGAR filings.
Bank7 Corp. (BSVN) has a net profit margin of 46.9%. This is a strong margin indicating high profitability.
Bank7 Corp. (BSVN) generated $51 million in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
Bank7 Corp. (BSVN) has a debt-to-equity ratio of 7.16. This indicates higher leverage, which may increase financial risk.
Bank7 Corp. (BSVN) reported earnings per share (EPS) of $4.84 in its most recent fiscal year.
Bank7 Corp. (BSVN) has a return on equity (ROE) of 23.8%. This indicates the company generates strong returns for shareholders.
The Ledger Terminal provides 8 years of financial data for Bank7 Corp. (BSVN), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
Bank7 Corp. (BSVN) has a book value per share of $22.58, based on its most recent annual SEC filing.