Bank7 BSVN
$58.39 −$0.05 (-0.09%)
Market closed · Nov 6, 8:10 pm ET · Last extended-hours $58.39 0.00%
Open$57.93
Prev close$58.44
Day range$57.93 – $58.52
Volume42.9K
Market cap$628.19M
P/E (TTM)13.6
Dividend yield1.90%
Fundamentals
Latest reported quarter: Q3, ended Sep 2026
Revenue$23.37M-7.4% YoY
Net profit$10.20M-5.9% YoY
Diluted EPS$1.06-6.2% YoY
Free cash flow$5.45M-38.2% YoY
Operating cash flow$7.49M
Revenue, last 8 quarters
Net profit, last 8 quarters
Diluted EPS by quarter
Free cash flow by quarter
Annual revenue
Profitability & balance sheet
Net margin42.8%
Return on equity16.0%
Return on assets2.1%
Liabilities / assets86.4%
Cash & investments$277.18M
Net cash (debt)$277.18M
Income statement
| Line item | 2026 Q3 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 |
|---|---|---|---|---|---|
| Total Operating Revenue | $23.37M | $22.91M | $26.16M | $96.38M | $24.11M |
| Net Interest Income | $22.30M | $21.91M | $24.19M | $87.87M | $22.27M |
| -Interest Income | $31.93M | $30.93M | $33.78M | $128.76M | $32.82M |
| -Interest Expense | $9.63M | $9.02M | $9.59M | $40.89M | $10.55M |
| Non-Interest Income | $1.07M | $1.00M | $1.97M | $8.50M | $1.84M |
| -Fees and Commissions | $727,000.00 | $691,000.00 | $624,000.00 | $2.27M | $570,000.00 |
| -Other Non-Interest Income | $347,000.00 | $311,000.00 | $1.34M | $6.25M | $1.27M |
| -Gain Loss on Sale of Assets | -$5,000.00 | – | – | -$10,000.00 | $0.00 |
| Credit Losses Provision | $0.00 | $0.00 | $0.00 | -$700,000.00 | $0.00 |
| Non-Interest Expense | $9.76M | $11.89M | $10.34M | $38.91M | $9.95M |
| Occupancy and Equipment | $1.02M | $1.15M | $1.03M | $3.86M | $1.01M |
| Professional Expense and Contract Services Expense | $902,000.00 | $437,000.00 | $585,000.00 | $757,000.00 | $273,000.00 |
| Selling and Admin Expenses | $5.91M | $6.29M | $6.50M | $23.55M | $6.09M |
| -Selling & Marketing Expense | $171,000.00 | $98,000.00 | $172,000.00 | $917,000.00 | $288,000.00 |
| -General & Admin Expense | $5.74M | $6.20M | $6.33M | $22.63M | $5.81M |
| Other Non-Interest Expenses | $1.92M | $4.02M | $2.22M | $10.75M | $2.57M |
| Pretax Profit | $13.62M | $11.02M | $15.82M | $56.77M | $14.16M |
| Tax | $3.41M | $2.67M | $3.82M | $13.70M | $3.37M |
| Net Profit | $10.20M | $8.35M | $12.01M | $43.07M | $10.78M |
| Profit from Continuing Operations | $10.20M | $8.35M | $12.01M | $43.07M | $10.78M |
| Net Income to Parent Company | $10.20M | $8.35M | $12.01M | $43.07M | $10.78M |
| Net Income to Common Stockholders | $10.20M | $8.35M | $12.01M | $43.07M | $10.78M |
| Basic EPS | $1.07 | $0.88 | $1.26 | $4.56 | $1.14 |
| Diluted EPS | $1.06 | $0.87 | $1.25 | $4.50 | $1.12 |
| Dividend Per Share | $0.30 | $0.27 | $0.27 | $1.02 | $0.27 |
Balance sheet
| Line item | 2026 Q3 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 |
|---|---|---|---|---|---|
| Total Assets | $2.01B | $1.91B | $1.95B | $1.96B | $1.96B |
| Cash, Cash Equivalents & Federal Funds Sold | $277.18M | $222.08M | $250.44M | $255.09M | $255.09M |
| -Cash and Cash Equivalents | $277.18M | $222.08M | $250.44M | $255.09M | $255.09M |
| Securities Investment | $48.92M | $35.78M | $36.15M | $37.90M | $37.90M |
| -Available for Sale Securities | $1.38M | $1.18M | $1.16M | $1.17M | $1.17M |
| -Short Term Investments | $47.54M | $34.60M | $34.99M | $36.73M | $36.73M |
| Net Loan | $1.62B | $1.58B | $1.58B | $1.59B | $1.59B |
| -Gross Loan | $1.64B | $1.61B | $1.60B | $1.61B | $1.61B |
| -Allowance for Loans and Lease Losses | $19.37M | $19.51M | $19.45M | $19.41M | $19.41M |
| Net PPE | $27.13M | $25.90M | $24.11M | $21.88M | $21.88M |
| Goodwill and Other Intangible Assets | $11.87M | $11.90M | $11.93M | $11.96M | $11.96M |
| -Goodwill | $11.21M | $11.21M | $11.21M | $11.21M | $11.21M |
| -Other Intangible Assets | $658,000.00 | $690,000.00 | $721,000.00 | $752,000.00 | $752,000.00 |
| Other Assets | $25.70M | $35.68M | $44.22M | $47.71M | $47.71M |
| Total Liabilities | $1.73B | $1.65B | $1.69B | $1.71B | $1.71B |
| Total Deposits | $1.72B | $1.64B | $1.67B | $1.70B | $1.70B |
| Payables | $139,000.00 | $839,000.00 | $3.91M | $594,000.00 | $594,000.00 |
| -Total Tax Payable | $139,000.00 | $839,000.00 | $3.91M | $594,000.00 | $594,000.00 |
| Other Liabilities | $12.06M | $9.38M | $9.97M | $11.22M | $11.22M |
| Total Equity | $273.73M | $266.31M | $259.82M | $251.00M | $251.00M |
| Stockholders' Equity | $273.73M | $266.31M | $259.82M | $251.00M | $251.00M |
| Capital Stock | $95,000.00 | $95,000.00 | $95,000.00 | $95,000.00 | $95,000.00 |
| -Common Stock | $95,000.00 | $95,000.00 | $95,000.00 | $95,000.00 | $95,000.00 |
| Additional Paid-In Capital | $104.58M | $103.87M | $103.27M | $103.74M | $103.74M |
| Retained Earnings | $172.26M | $164.92M | $159.14M | $149.71M | $149.71M |
| Gains/Losses Not Affecting Retained Earnings | -$3.21M | -$2.57M | -$2.69M | -$2.55M | -$2.55M |
| -Unearned Income | – | -$2.79M | -$2.72M | -$2.94M | -$2.94M |
| -Gross PPE | – | – | – | $30.22M | $30.22M |
| -Accumulated Depreciation | – | – | – | -$8.33M | -$8.33M |
Cash flow
| Line item | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 | 2025 Q3 |
|---|---|---|---|---|---|
| Operating Cash Flow | $7.49M | $16.65M | $46.14M | $9.06M | $16.63M |
| Net cash flow from continuing operations | $7.49M | $16.65M | $46.14M | $9.06M | $16.63M |
| Net Income from Continuing Operations | $8.35M | $12.01M | $43.07M | $10.78M | $10.84M |
| Gain/Loss from Continuing Operations | $1.59M | -$392,000.00 | -$1.32M | -$326,000.00 | -$380,000.00 |
| Depreciation & Depletion & Amortization | $290,000.00 | $290,000.00 | $1.12M | $289,000.00 | $290,000.00 |
| Deferred Tax | -$396,000.00 | $497,000.00 | -$344,000.00 | -$369,000.00 | -$359,000.00 |
| Other Non-Cash Items | -$815,000.00 | -$1.41M | -$752,000.00 | $131,000.00 | $1.05M |
| Change in Working Capital | -$2.15M | $4.96M | $400,000.00 | -$2.30M | $3.60M |
| -Change in Receivables | $1.21M | $2.91M | $13,000.00 | -$1.24M | $1.36M |
| -Change in Payables and Accrued Expense | -$3.36M | $2.05M | $387,000.00 | -$1.06M | $2.24M |
| Net cash flow from investing | $2.54M | $18.55M | -$210.59M | -$67.40M | -$34.14M |
| Net Cash Flow from Continuing Investing Activities | $2.54M | $18.55M | -$210.59M | -$67.40M | -$34.14M |
| Proceeds Payment in Interest Bearing Deposits in Bank | $2.24M | $6.72M | -$3.74M | $4.48M | -$747,000.00 |
| Net PPE Purchase and Sale | -$2.03M | -$2.47M | -$4.74M | -$1.08M | -$214,000.00 |
| Net Business Purchase and Sale | $0.00 | $0.00 | -$2.75M | $0.00 | $0.00 |
| Net Investment Purchase and Sale | $620,000.00 | $1.65M | $9.04M | $1.42M | $3.21M |
| Net Income from Loans | -$3.46M | $12.65M | -$208.40M | -$72.20M | -$36.39M |
| Financing Cash Flow | -$36.15M | -$33.14M | $174.89M | $61.20M | $40.44M |
| Net Cash Flow from Continuing Financing Activities | -$36.15M | -$33.14M | $174.89M | $61.20M | $40.44M |
| Increase/Decrease in Deposit | -$33.58M | -$29.45M | $185.36M | $64.01M | $42.69M |
| Cash Dividends Paid | -$2.57M | -$2.56M | -$9.34M | -$2.55M | -$2.27M |
| Proceeds from Stock Option Exercised | $1.18M | -$1.13M | -$1.13M | -$1.28M | $30,000.00 |
| Ending Cash Balance | $220.59M | $246.70M | $244.64M | $244.64M | $241.77M |
| Net Change in Cash | -$26.12M | $2.07M | $10.44M | $2.87M | $22.93M |
| Beginning Cash Balance | $246.70M | $244.64M | $234.20M | $241.77M | $218.84M |
| Free Cash Flow | $5.45M | $14.16M | $41.40M | $7.98M | $16.42M |
| Net Other Financing Activities | – | – | – | – | -$9,000.00 |
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