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BSVN

Bank7 Corp.

BSVN

Bank7 Corp. • NASDAQ
$41.43 ▼ -1.36% (-0.57)
Market Cap $391.65 M
52w High $50.26
52w Low $32.49
Dividend Yield 0.99%
P/E 9.13
Volume 4.31K
Outstanding Shares 9.45M

Income Statement

Period Revenue Operating Expense Net Income Net Profit Margin Earnings Per Share EBITDA
Q3-2025 $35.927M ▲ $10.35M ▲ $10.844M ▼ 30.183% ▼ $1.15 ▼ $14.476M ▼
Q2-2025 $34.482M ▲ $9.732M ▲ $11.105M ▲ 32.205% ▲ $1.18 ▲ $14.996M ▲
Q1-2025 $32.195M ▼ $8.882M ▼ $10.336M ▼ 32.104% ▲ $1.1 ▼ $13.964M ▼
Q4-2024 $34.732M ▼ $9.419M ▲ $11.109M ▼ 31.985% ▲ $1.19 ▼ $14.966M ▼
Q3-2024 $37.165M $9.398M $11.777M 31.688% $1.26 $15.75M

Balance Statement

Period Cash & Short-term Total Assets Total Liabilities Total Equity
Q3-2025 $296.626M ▲ $1.891B ▲ $1.65B ▲ $241.736M ▲
Q2-2025 $276.009M ▼ $1.836B ▲ $1.604B ▲ $231.859M ▲
Q1-2025 $313.133M ▲ $1.785B ▲ $1.564B ▲ $221.66M ▲
Q4-2024 $273.139M ▲ $1.74B ▼ $1.527B ▼ $213.213M ▲
Q3-2024 $241.328M $1.74B $1.536B $204.162M

Cash Flow Statement

Period Net Income Cash From Operations Cash From Investing Cash From Financing Net Change Free Cash Flow
Q3-2025 $10.844M ▼ $16.629M ▲ $-34.143M ▲ $40.443M ▼ $22.929M ▲ $16.415M ▲
Q2-2025 $11.105M ▲ $9.45M ▼ $-71.774M ▼ $40.593M ▲ $-21.731M ▼ $8.811M ▲
Q1-2025 $10.336M ▼ $10.998M ▼ $-37.274M ▼ $32.65M ▲ $6.374M ▼ $8.195M ▼
Q4-2024 $11.109M ▼ $13.092M ▼ $44.926M ▲ $-10.542M ▼ $47.476M ▲ $11.786M ▼
Q3-2024 $11.777M $13.362M $-79.271M $42.524M $-23.385M $12.749M

Five-Year Company Overview

Income Statement

Income Statement Bank7’s income statement shows a clear story of steady, profitable growth. Revenue and profits have climbed consistently over the last five years, with earnings per share now well above earlier levels. Profit margins look strong for a community bank, suggesting tight cost control and disciplined lending. There was a small step back in per‑share earnings in the middle of the period, but results rebounded to new highs, which hints at resilient core profitability. The main underlying risk is that a lot of this strength depends on maintaining a rich lending margin in a shifting interest‑rate environment and managing credit risk in its niche sectors.

Balance Sheet

Balance Sheet The balance sheet is straightforward and conservative. Assets have grown steadily, equity has built up over time, and the bank shows essentially no reliance on traditional long‑term debt, which lowers financial risk. Cash and liquid resources have increased from earlier years, giving management more flexibility. At the same time, this is still a relatively small, focused institution, so loan concentrations in its chosen industries and regions matter more than they would for a national bank. Overall, it looks like a solid, well‑capitalized base for a community lender, but not a fortress of size and diversification.

Cash Flow

Cash Flow Cash generation tracks the earnings story well. Operating cash flow has been consistently positive and has risen over time, and free cash flow has closely followed, because the business does not require heavy capital spending. That pattern is typical for an efficient bank and suggests that profits are largely backed by real cash, not just accounting entries. Stable and growing free cash flow gives the company room to support dividends, buybacks, or growth initiatives, as long as credit quality and funding conditions remain favorable.

Competitive Edge

Competitive Edge Bank7 appears to punch above its weight among community and regional banks. Its edge comes from very strong core banking metrics: a rich lending margin, tight control of expenses, and attractive returns on assets and equity. On top of that, it has deep expertise in a handful of commercial niches—energy, real estate, construction, and agriculture—where tailored underwriting and relationships matter. The trade‑off is that it lacks the scale, product breadth, and brand of national banks and faces cyclical risk from those same industries. Still, within its chosen lanes, it behaves more like a top‑quartile specialist than an average local bank.

Innovation and R&D

Innovation and R&D This is not a flashy fintech story, but rather a “quiet innovation” model. Bank7 mostly uses standard industry technology—online and mobile banking, digital payments, and treasury services—but seems to execute them cleanly. Its real innovation is organizational: a very lean cost structure, quick decision‑making, and relationship‑driven lending in niche markets. Future development looks focused on incremental moves such as selective branch expansion, disciplined acquisitions, and maintaining a high level of internal efficiency, rather than on big, speculative tech bets.

Summary

Overall, Bank7 comes across as a high‑performing community bank built on strong fundamentals: solid growth in profits, efficient operations, a clean balance sheet, and consistent cash generation. Its focused industry expertise and relationship banking model give it a defensible position in chosen markets, even without distinctive proprietary technology. The main uncertainties to keep in mind relate to credit risk in cyclical sectors, sensitivity to interest‑rate shifts, and the natural limits of scale and diversification for a smaller regional player. For observers, it’s a case study in how disciplined execution and niche focus can produce standout financial performance in traditional banking.

NEWS

October 15, 2025 · 8:00 AM UTC

Bank7 Corp. Announces Q3 2025 Earnings

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October 2, 2025 · 9:00 AM UTC

Bank7 Corp. Announces Third Quarter 2025 Earnings Conference Call

Read more