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BSVN — Fundamentals, Valuation & Ownership | QW Research

Bank7 Corp. (BSVN)

Neutral

Insufficient data to determine institutional momentum.

Data as of Q3 2026

FY2025 basis· bank

$58.63▼ 1.13%

EOD close · as of 2026-10-30

Market Cap

$558.5M

Enterprise Value

$558.5M

P/E

13.0×

Revenue (FY)

—

Rev. growth

—

Gross margin

—

Net margin

—

ROIC

17%

Net debt / EBITDA

n/a for a bank

Revenue—

—

Net Income· FY2025$43.1M

Free Cash Flow· FY2025$41.4M

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Financials

$58.63▼ 1.13%

EOD close · as of 2026-10-30

Market Cap

$558.5M

Enterprise Value

$558.5M

Revenue → Profit Flow

How a revenue dollar becomes profit — FY2025

Not enough income-statement detail for a flow diagram.

No data reported for this breakdown.

Each value shows its share of revenue below it (common-size).

Line Item	FY2025	FY2024	FY2023	FY2022	FY2021	FY2020	FY2019	FY2018	FY2017	FY2016
Interest Expense	—	—	$39.0M	$9.3M	$3.1M	$6.2M	$9.5M	$7.2M	$4.7M	$3.3M
Pretax Income	$56.8M	$60.4M	$37.2M	$39.3M	$30.9M	$25.9M	$15.1M	$25.8M	$23.8M	$16.8M
Income Tax Expense	$13.7M	$14.7M	$8.9M	$9.6M	$7.8M	$6.6M	$6.8M	$797K	$0	$0
Net Income	$43.1M	$45.7M	$28.3M	$29.6M	$23.2M	$19.3M	$8.2M	$25.0M	$23.8M	$16.8M
Per Share
EPS (Basic)	$4.56	$4.92	$3.09	$3.26	$2.56	$2.05	$0.81	$3.08	$3.26	$2.31
EPS (Diluted)	$4.50	$4.84	$3.05	$3.22	$2.55	$2.05	$0.81	$3.03	$3.26	$2.31
Weighted Avg Shares (Basic)	9.4M	9.3M	9.2M	9.1M	9.1M	9.4M	10.1M	8.1M	7.3M	7.3M
Weighted Avg Shares (Diluted)	9.6M	9.4M	9.3M	9.2M	9.1M	9.4M	10.1M	8.2M	7.3M	7.3M

Source: SEC EDGAR XBRL filings (annual, fiscal year). Quarterly flow items are derived from cumulative filings; balance-sheet figures are as-of each period end. Ratios and margins are computed, not reported.

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BSVN vs. State Commercial Banks peers

Ranked against 19 sector peers with collected financials. Valuation from latest close × latest fiscal-year fundamentals; 13F conviction as of 2026-09-30.

Where it ranks

top thirdmiddlebottompeer median

ValuationCheaper than peers scores higher

P / E

BSVN 13.2× · med 14.5× · p25–p75 12.6×–18.2×

70th pct

P / S

BSVN — · med 3.3× · p25–p75 2.8×–3.5×

not enough peer data

—

EV / EBITDA

BSVN — · med 13.5×

not enough peer data

—

P / B

BSVN 2.2× · med 1.2× · p25–p75 1.1×–1.6×

5th pct

GrowthLatest fiscal-year revenue vs prior year

Revenue growth (YoY)

BSVN — · med 7.6% · p25–p75 2.3%–37.8%

not enough peer data

—

ProfitabilityMargins vs the sector

Gross margin

BSVN — · med 54.3%

not enough peer data

—

Operating margin

BSVN —

not enough peer data

—

Net margin

BSVN — · med 21.3% · p25–p75 17.5%–24.2%

not enough peer data

—

FCF margin

BSVN — · med 28.5% · p25–p75 17.9%–34.5%

not enough peer data

—

Returns on capitalHow hard the capital works

Return on equity

BSVN 17.2% · med 9.6% · p25–p75 7.0%–10.3%

100th pct

Return on invested capital

BSVN 17.2% · med 7.1% · p25–p75 5.0%–9.6%

100th pct

LeverageLess debt scores higher

Net debt / EBITDA

BSVN — · med 3.8×

not enough peer data

—

13F convictionInstitutional breadth & ownership

13F holders

BSVN 14 · med 49 · p25–p75 23–140

5th pct

Institutional ownership

BSVN 0.0% · med 1.3% · p25–p75 0.6%–2.6%

7th pct

Percentile is “goodness” within the peer set (100 = best). For valuation and leverage that means cheaper / less-levered ranks higher.

Peer table

Click a column to sort · latest FY

Company	Mkt cap ▼	P/E	EV/EBITDA	P/S	Rev gr	Gross	Net	ROE	ROIC	Net D/EBITDA	13F
STTSTATE STREET CORP	$47.4B	18.5×	—	3.4×	7.3%	—	21.1%	10.6%	10.6%	—	388
NTRSNORTHERN TRUST CORP	$31.6B	19.8×	—	3.9×	-2.5%	—	21.5%	13.4%	13.4%	—	272
CFGCITIZENS FINANCIAL GRO…	$27.7B	17.0×	—	3.4×	5.6%	—	22.2%	7.0%	4.9%	—	319
FCNCAFIRST CITIZENS BANCSHA…	$26.5B	14.4×	—	2.8×	-2.2%	—	23.1%	9.9%	3.8%	—	162
ALLYAlly Financial Inc.	$12.1B	16.7×	—	1.5×	-3.3%	—	10.8%	5.5%	2.5%	—	140
UCBUNITED COMMUNITY BANKS…	$4.5B	14.2×	—	4.2×	11.7%	—	30.9%	9.0%	8.5%	—	84
FBPFIRST BANCORP /PR/	$4.0B	12.4×	—	3.2×	2.4%	—	27.5%	17.5%	15.3%	—	67
FHBFIRST HAWAIIAN, INC.	$3.1B	11.7×	—	3.5×	8.9%	—	31.4%	10.0%	10.0%	—	74
BUSEFIRST BUSEY CORP /NV/	$2.4B	20.1×	—	3.4×	55.7%	—	18.8%	5.5%	5.5%	—	61
GABCGERMAN AMERICAN BANCOR…	$1.9B	16.1×	—	3.8×	37.8%	—	23.1%	9.7%	8.9%	—	39
PEBOPEOPLES BANCORP INC	$1.4B	13.0×	13.5×	16.1×	2.3%	—	—	8.8%	5.5%	3.8×	41
UVSPUNIVEST FINANCIAL Corp	$1.1B	12.6×	—	3.3×	9.6%	—	27.7%	9.6%	9.4%	—	49
FMNBFARMERS NATIONAL BANC …	$934M	10.9×	—	3.3×	3.9%	—	19.5%	11.2%	6.4%	—	33
WASHWASHINGTON TRUST BANCO…	$750M	14.5×	—	3.3×	128%	—	22.8%	9.6%	9.6%	—	39
ACNBACNB CORP	$667M	18.2×	—	3.5×	45.1%	—	19.3%	8.8%	5.0%	—	22
BSVNBank7 Corp.	$565M	13.2×	—	—	—	—	—	17.2%	17.2%	—	14
COFSCHOICEONE FINANCIAL SE…	$523M	17.4×	—	2.3×	63.6%	—	12.4%	6.1%	6.1%	—	23
CFFIC & F FINANCIAL CORP	$362M	13.4×	—	2.6×	10.6%	—	19.1%	10.3%	9.5%	—	11
MYFWFirst Western Financia…	$307M	23.5×	—	3.2×	7.6%	—	13.6%	5.0%	5.0%	—	17
MNSBMainStreet Bancshares,…	$153M	12.2×	—	1.1×	-1.6%	54.3%	11.5%	7.1%	7.1%	—	16

Peers = companies sharing BSVN's sector (State Commercial Banks) with collected SEC financials. Multiples use the most recent end-of-day close and latest fiscal-year fundamentals (trailing, not forward). Missing cells mean the peer never reported that line item, has no collected price, or has a non-positive denominator. Not investment advice.

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Open-market buys

$0 · 0 holders

Discretionary sales

$1.1m · 5 holders

10b5-1 plan sales

$0 · scheduled in advance

Filed late

1 of 37 filings

0 open-market purchases and 7 discretionary sales against the share price · hover a marker

2025-10-31$37.85 – $58.552026-10-23

Shares held by reporting insiders7 → 12 insiders reporting — no comparable change

2025-12-17 · 500,9562026-10-20 · 529,084 (12 insiders)

Last reported position per insider, carried forward. Steps can be a holding disclosed for the first time rather than a trade.

Date	Insider	What it was	Shares	Price	Value
2026-10-20	4 co-filers Executive Vice President	Option exercise	1,750	$18.49	$32k
2026-10-20	4 co-filers Executive Vice President	Exercise & sell	1,614	$57.60	$93k
2026-10-20	4 co-filers Executive Vice President	Exercise & sell	136	$57.79	$8k
2026-10-20	4 co-filers Executive Vice President	Option exercise

How this is measured

Every row is classified by what it MEANT, not by its SEC code. A code is not a meaning: code P (“purchase”) also covers dividend reinvestment and employee stock purchase plans, and code S (“sale”) also covers 10b5-1 plan sales scheduled months earlier and option exercises sold the same day.

Across 30 days of all filings, $5.08bn of insider selling contained $3.50bn of plan sales and $0.46bn of exercise-and-sell. Only 29% was discretionary. Reading an unclassified feed badly overstates how much insiders decided.

Buys and sales are counted separately and never netted. They are different decisions by different people; a company where one officer bought while another sold is not “neutral”.

The holding line carries each insider's last reported position forward, so it shows the total held rather than a sawtooth of whoever traded that day. It covers only insiders who filed in the window.

“Filed late” counts calendar days past the two-business-day deadline with five days' grace, so a Thursday or Friday trade crossing a weekend is never flagged. It describes the company's filing discipline, not the trade.

Insider activity is descriptive. Nothing here is investment advice.

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Deep analysis

Valuation vs. its own history

Cheap or dear — against itself

Where each multiple sits in its own 8-yr range · 94th pct blended

P/E

12.9× now

4.4×19.3×

88th

rich

P/B

2.2× now

1.0×2.0×

100th

rich

Dot = today · shaded = middle 50% · line = median. Lower percentile = cheaper vs its own 8-yr history.

Quality of the business

What backs the price

Is the profit real, and how strong is the balance sheet?

✓

Cash-backed earnings

Operating cash flow 1.1× net income

1.07×

✓

Capital intensity

Reinvests 10% of operating cash flow

light

✓

Returns on capital

ROIC 17%

17%

Income statement

How a revenue dollar becomes profit

FY2025 · every deduction from revenue to net income

Not enough detail.

Returns

Why ROE is 17.2%

DuPont — the three levers

Net margin

—

profit / rev

Asset turns

—

rev / assets

Leverage

7.82×

assets / year-end equity

ROE

17.2%

on year-end equity

ROE 17% against ROIC 17% — 0% of the return on equity comes from leverage and buybacks rather than from the operating business.

Equity is the year-end figure. On average equity over the two year-ends, ROE is 18.6% — the two diverge when buybacks or issuance move equity during the year.

Leverage & liquidity

Debt structure

What the company owes vs. what it holds

Total Debt

—

Cash & Equivalents

—

Net Debt

—

Net debt / EBITDA—

This shows debt/cash structure and net leverage. The year-by-year maturity schedule is on the Debt & Leverage tab.

Operating leverage

How profit responds to sales

Latest year: profit growth vs revenue growth

Revenue Δ

—

Op. income Δ

—

Op. leverage

—

Operating leverage needs meaningful revenue change.

Operating leverage

Common-size income statement

Each line as % of revenue — the trend in color

% of revenue	FY2018	FY2019	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025

Green = margin-favorable vs the row's own range · red = unfavorable.

Track record · FY2016 → FY2025

How the ratios & debt developed

The metrics that matter, over time

ROE

17%

FY2025 · latest

Net margin

—

— · latest

—

ROIC

17%

FY2025 · latest

Gross margin

—

— · latest

—

Current ratio

—

— · latest

—

FCF margin

—

— · latest

—

Free cash flow

$41.4M

FY2025 · latest

Are the earnings real?

Strong

Converts 1.26x of reported profit into free cash flow over 5 years, with accruals negative.

Cash conversion bridge from net income to free cash flow
Step	Amount	Running total
Net income	$43M	$43M
Share-based comp	$3M	$46M
Other non-cash & working capital	$5,000	$46M
Operating cash flow	$46M	$46M
Capex	−$5M	$41M
Free cash flow	$41M	$41M
FCF after SBC	$38M	$38M

Share-based compensation is drawn as its own bar because it is added back in operating cash flow — it inflates every figure to its right. The final bar is the free cash flow left after it.

FCF / net income

1.26×↘ narrowing

5-year average; latest 0.96x

Sloan accruals

-0.2%

(net income − OCF) / assets · negative is better

Share count since FY2019

-5.9%

measured from the first year on file, so a recent listing shows up here as dilution

SBC / revenue

—

not reported

Cash conversion cycle

—

receivables, inventory or cost of revenue not reported

Comparing receivables growth against revenue growth needs receivables for at least three fiscal years — this filer has not reported enough of them.

The cash conversion cycle needs receivables and cost of revenue for at least two fiscal years — this filer has not reported enough of it.

Accruals as a percent of assets, by fiscal year
Fiscal year	Accruals / assets
FY2019	-1.3 percent
FY2020	-0.6 percent
FY2021	-0.5 percent
FY2022	-0.6 percent
FY2023	-1.2 percent
FY2024	-0.5 percent
FY2025	-0.2 percent

●— the company● a top-decile year▬ cohort p25–p75 · -- its median▎its own range

Below zero is better — accruals are profit that has not arrived as cash. Cohort is 365 filers sharing SIC 60xx (latest fiscal year of every filer sharing the 2-digit SIC prefix, excluding |accruals| over 100% of assets, then winsorized at p5/p95). Sloan's result is about rank within a cohort, not about a level. The scale shows the cohort's middle half so this company's own history stays readable — its p10–p90 is wider.

What the stock compensation costsFY2025

SBC / revenue

—

not reported

SBC / operating cash flow

6.6%

share of reported operating cash that exists because the charge was added back

FCF after SBC

$38M

$41M reported, less the $3M charge

FCF per diluted share

$4.32

reported free cash flow, on the fully diluted count

Buyback offset

—

not reported

How this is measured

SBC is added back inside operating cash flow, so reported free cash flow treats shares issued to employees as free. Percent of revenue says how expensive the payroll is; percent of operating cash flow says how much of the cash exists only because the charge was added back. The buyback offset is buybacks over SBC — below 1.0 the repurchase does not cover the shares issued.

Figures are the latest fiscal year (FY2025) from the company's own filings, not a trailing-twelve-month window — Q2 reads fiscal years throughout so the cash-conversion ratios and these share one basis. A blank is a line the filer did not report; it is never read as zero.

The other side

The cash conversion cycle could not be computed — receivables, inventory or cost of revenue is not reported — so the earliest accrual warning is not part of this verdict.

Basis: FY2025Source: SEC EDGAR XBRL

What's priced in?

Undemanding

At $59.30, free cash flow must compound 0.97%/yr for 10 years. It has done 17.07%/yr over 6 years.

Achieved free cash flow growth by year against the growth the price requires
Fiscal year	FCF growth	Price requires
FY2020	54.2%	1.0%
FY2021	19.1%	1.0%
FY2022	33.5%	1.0%
FY2023	17.4%	1.0%
FY2024	9.8%	1.0%
FY2025	−18.6%	1.0%

The rate the price requires sits inside the range this business has delivered — matched or beaten in 5 of 6 years. Shaded band is ±1σ of its own free-cash-flow growth.

Implied FCF growth

1.0%

for 10 years, discounted at 10.0% (published default — this company's cost of capital could not be computed)

Achieved FCF growth

17.1%

6-year CAGR, on the same basis as the requirement above

Required vs achieved

0.06×

above 1 means the price asks for more than the record

Each multiple against its own 8-year history

P/E

12.9× FY · 13.3× TTM

4.4×19.3×

88th

8 yrs

P/B

2.2× FY · 2.1× TTM

1.0×2.0×

100th

8 yrs

last fiscal year TTM medianshaded = middle half

The percentile ranks the FISCAL-YEAR point, because the distribution behind each strip is built from fiscal-year closes — ranking a TTM figure inside it would compare two different bases. TTM basis: TTM.

P / E

13.2× · med 14.5× · 12.6×–18.2×

P / S

not reported for this company

EV / EBITDA

not reported for this company

P / B

2.2× · med 1.2× · 1.1×–1.6×

BSVN cohort median p25–p7519 peersvalues clipped at p1/p99 before rankingeach row scaled to its own range

The other side

The cost of capital could not be computed for this company, so the requirement is solved at the published 10% default — a different rate would move it materially.

Basis: FY2025Source: SEC EDGAR XBRL

Bank7 Corp. (BSVN)

Financials

Revenue → Profit Flow

Reverse DCF — what growth does the price assume?

Is the business good?

Dividends & Returns

Is the payout covered?

Dividends + buybacks, per year

Dividend per share

Capital Allocation

Where the cash went

Reinvest vs. return cash

Return on reinvestment

Deployment per year

Debt & Leverage

Capital structure over time

Debt servicing

Liquidity

Short-term vs long-term debt

Performance vs. S&P 500

Hover the chart to read any quarter

Annual return vs the market

Cumulative lead over the S&P 500

Drawdown from peak · max -16%

BSVN vs. State Commercial Banks peers

Where it ranks

Peer table

Ownership Map

Buy / Sell Volume by Quarter

Institutional Trends (8 Quarters)

Institutional Holders

Institutional Holders

Buy / Sell Volume by Quarter

Institutional Trends (8 Quarters)

BSVN vs. State Commercial Banks peers

Where it ranks

Peer table

Dividends & Returns

Is the payout covered?

Dividends + buybacks, per year

Dividend per share

Capital Allocation

Where the cash went

Reinvest vs. return cash

Return on reinvestment

Deployment per year

Reverse DCF — what growth does the price assume?

Debt & Leverage

Capital structure over time

Debt servicing

Liquidity

Short-term vs long-term debt

Ownership Map

Financials

Revenue → Profit Flow

Performance vs. S&P 500

Hover the chart to read any quarter

Annual return vs the market

Cumulative lead over the S&P 500

Drawdown from peak · max -16%

Is the business good?

Deep analysis

Cheap or dear — against itself

What backs the price

How a revenue dollar becomes profit

Why ROE is 17.2%

Debt structure

How profit responds to sales

Common-size income statement

How the ratios & debt developed

Are the earnings real?

Can it survive?

What's priced in?