Breaking Down Bank7 Corp. (BSVN) Financial Health: Key Insights for Investors

Are you keeping a close watch on your investments and looking for a clear view of Bank7 Corp.'s (BSVN) financial standing? Did you know that in 2024, Bank7 Corp. saw a remarkable surge in net income, jumping by 61.62% to $45.7 million, with earnings per share soaring to $4.84, a 58.69% increase? But how sustainable is this growth, and what are the key factors driving it? Delve into a detailed exploration of BSVN's financial health, uncovering essential insights for making informed investment decisions.

Bank7 Corp. (BSVN) Revenue Analysis

Understanding Bank7 Corp.'s (BSVN) financial health requires a detailed look into its revenue streams. Bank7 Corp. primarily generates revenue from interest income from financial instruments and non-interest income and service charges on deposit accounts.

For the year ended December 31, 2024, Bank7 Corp. reported a total interest income of $131.5 million, compared to $121.5 million in 2023, representing an increase of 8.22%. The company's revenue for the trailing twelve months ending December 31, 2024, was $97.45 million, reflecting a 59.2% year-over-year growth.

Bank7 Corp. reported record annual results for 2024, with net income reaching $45.7 million, a 61.62% increase compared to $28.3 million in the previous year. Earnings per share also saw a significant rise, increasing by 58.69% to $4.84 from $3.05.

Here's a summary of Bank7 Corp.'s financial performance for the year ended December 31, 2024, compared to the previous year:

• Net income: $45.7 million (up 61.62%)
• Earnings per share: $4.84 (up 58.69%)
• Total assets: $1.7 billion (down 1.80%)
• Total loans: $1.4 billion (up 2.69%)
• Total interest income: $131.5 million (up 8.22%)

A more detailed breakdown of Bank7 Corp.'s revenue streams can be seen in the following table:

For more insights into Bank7 Corp.'s values, see Mission Statement, Vision, & Core Values of Bank7 Corp. (BSVN).

Bank7 Corp. (BSVN) Profitability Metrics

Assessing Bank7 Corp. (BSVN)'s financial health requires a close examination of its profitability metrics. These metrics provide insights into how efficiently the company generates profit from its revenue and assets. Here's a detailed analysis:

Gross Profit Margin: This ratio indicates the percentage of revenue remaining after deducting the cost of goods sold (COGS). A higher gross profit margin suggests that Bank7 Corp. (BSVN) is efficient in managing its production costs. For the fiscal year 2024, Bank7 Corp. (BSVN) reported a gross profit of $78.9 million.

Operating Profit Margin: The operating profit margin reflects the percentage of revenue remaining after deducting both the cost of goods sold and operating expenses. It measures Bank7 Corp. (BSVN)'s profitability from its core business operations. Bank7 Corp. (BSVN)'s operating income for 2024 was $54.7 million.

Net Profit Margin: This is the percentage of revenue that remains as net income after all expenses, including interest and taxes, are deducted. It represents Bank7 Corp. (BSVN)'s overall profitability. The net income available to common shareholders for 2024 stood at $41.3 million, or $2.72 per diluted share.

Trends in Profitability Over Time: Analyzing the trends in profitability over several periods can reveal whether Bank7 Corp. (BSVN)'s profitability is improving, declining, or remaining stable. The trend shows a slight decrease, with net income for 2023 reported at $42.4 million compared to $41.3 million in 2024.

Comparison of Profitability Ratios with Industry Averages: Comparing Bank7 Corp. (BSVN)'s profitability ratios with industry averages provides context for assessing its performance. If Bank7 Corp. (BSVN)'s ratios are higher than the industry average, it indicates that the company is more profitable than its peers.

Analysis of Operational Efficiency:

• Cost Management: Monitoring Bank7 Corp. (BSVN)'s cost management practices is crucial for understanding its operational efficiency. Effective cost management can lead to higher profitability.
• Gross Margin Trends: Analyzing the trends in Bank7 Corp. (BSVN)'s gross margin can reveal insights into its ability to control production costs and maintain pricing power.

Here's an overview of Bank7 Corp. (BSVN)'s key financial figures for the fiscal year 2024:

These metrics are essential for investors to gauge Bank7 Corp. (BSVN)'s financial health and make informed investment decisions. For further insights into Bank7 Corp. (BSVN) and its investors, check out Exploring Bank7 Corp. (BSVN) Investor Profile: Who’s Buying and Why?

Bank7 Corp. (BSVN) Debt vs. Equity Structure

Understanding how Bank7 Corp. (BSVN) finances its growth involves analyzing its debt and equity structure. This includes assessing the levels of debt, the debt-to-equity ratio, and any recent financing activities.

As of the fiscal year 2024, Bank7 Corp. (BSVN) reported a total debt of $155.14 million. This figure is composed of both short-term and long-term debt obligations.

• Short-term debt: $29.78 million
• Long-term debt: $125.36 million

The debt-to-equity ratio is a key metric for evaluating a company's financial leverage. As of 2024, Bank7 Corp.'s debt-to-equity ratio stands at 35.81%. This ratio indicates the proportion of debt and equity used to finance the company's assets. A lower ratio generally suggests a more conservative financing approach.

To provide context, comparing Bank7 Corp.'s debt-to-equity ratio to industry standards is essential. While specific industry averages can fluctuate, a debt-to-equity ratio of 35.81% is relatively moderate for a financial institution. Many banks operate with higher leverage, but Bank7 Corp.'s ratio suggests a balanced approach to financing.

Recent financial activities provide insights into Bank7 Corp.'s debt management strategies. Although specific details on recent debt issuances, credit ratings, or refinancing activities are not available, monitoring these factors would offer a more comprehensive view of the company's financial maneuvers.

Balancing debt and equity is crucial for sustainable growth. Bank7 Corp.'s current debt levels and debt-to-equity ratio suggest a strategy that leans towards more equity funding relative to debt. This can provide stability and flexibility in managing its capital structure.

For more insights into the company's strategic direction, explore Mission Statement, Vision, & Core Values of Bank7 Corp. (BSVN).

Bank7 Corp. (BSVN) Liquidity and Solvency

Assessing Bank7 Corp.'s (BSVN) financial health requires a close look at its liquidity and solvency positions. Liquidity refers to the company's ability to meet its short-term obligations, while solvency indicates its ability to meet long-term obligations. Here's an analysis based on available data:

Assessing Bank7 Corp.'s Liquidity:

• Current and Quick Ratios:
• For the year 2024, Bank7 Corp.'s current ratio is reported as 3.82K.
• The quick ratio for the same period is also 3.82K.
• Analysis of Working Capital Trends:
• Net Current Asset Value: For Dec 2024, the Net Current Asset Value is reported as $ -1.23B.
• Cash Flow Statements Overview:
• Operating Cash Flow: The operating cash flow for the 2024 fiscal year was $-0.01M.
• Free Cash Flow: The free cash flow for Q4 2024 was $1.00M. For the 2024 fiscal year, the free cash flow decreased by $M.
• Potential Liquidity Concerns or Strengths:
• Strengths: The company highlights strong capital and liquidity positions, enhanced by securing a second liquidity backstop with the Federal Reserve.
• Steady NIM: Bank7 Corp.'s net interest margin (NIM) remained steady and even saw an increase, showcasing resilience in the current economic landscape.

Capital Levels and Regulatory Compliance:

Bank7 Corp.'s capital levels are significantly above the minimum levels required to be designated as 'well-capitalized' for regulatory purposes.

• On December 31, 2024:
• The Bank's Tier 1 leverage ratio was 12.18%.
• Tier 1 risk-based capital ratio was 13.99%.
• Total risk-based capital ratios were 15.22%.
• On a consolidated basis:
• The Company's Tier 1 leverage ratio was 12.19%.
• Tier 1 risk-based capital ratio was 13.98%.
• Total risk-based capital ratios were 15.21%.

Additional Insights:

• Earnings and Profitability: The company reported record annual results for 2024, with a net income of $45.7 million compared to $28.3 million in the previous year, marking an increase of 61.62%. Earnings per share also increased by 58.69%, from $3.05 to $4.84.
• Total Assets: Total assets amounted to $1.7 billion, a slight decrease of 1.80% compared to the previous year's $1.8 billion.
• Total Loans: Total loans increased by 2.69%, reaching $1.4 billion.

Furthermore, you might be interested in reading about the Mission Statement, Vision, & Core Values of Bank7 Corp. (BSVN).

Bank7 Corp. (BSVN) Valuation Analysis

Assessing whether Bank7 Corp. (BSVN) is overvalued or undervalued requires a multifaceted approach, incorporating key financial ratios, stock performance analysis, and analyst opinions. Let's delve into these aspects using the most recent data available.

To evaluate Bank7 Corp.’s valuation, several key ratios are essential:

• Price-to-Earnings (P/E) Ratio: This ratio indicates how much investors are willing to pay for each dollar of Bank7 Corp.’s earnings.
• Price-to-Book (P/B) Ratio: The P/B ratio compares Bank7 Corp.’s market capitalization to its book value, offering insights into whether the stock is trading at a premium or discount to its net asset value.
• Enterprise Value-to-EBITDA (EV/EBITDA) Ratio: This ratio provides a more comprehensive valuation measure by considering Bank7 Corp.’s debt and cash levels relative to its earnings before interest, taxes, depreciation, and amortization.

Analyzing Bank7 Corp.'s stock price trends over the past year provides context on market sentiment and investor confidence. Recent data indicates:

Bank7 Corp. announced net income of $9.4 million, or $0.39 per diluted share, for the quarter ended March 31, 2024. This compares to net income of $10.9 million, or $0.45 per diluted share, for the quarter ended March 31, 2023. For the three months ended March 31, 2024, net interest income decreased to $22.9 million compared to $24.4 million for the same period in 2023. Non-interest income increased to $2.8 million for the three months ended March 31, 2024, from $2.4 million for the same period in 2023.

As of March 31, 2024, total assets were reported at $1.59 billion, and total deposits were $1.41 billion.

Here's a snapshot of Bank7 Corp.'s financial performance:

For investors, understanding dividend yield and payout ratios is crucial, if applicable. These metrics reveal the portion of earnings distributed as dividends and the sustainability of these payouts. As of now, details on Bank7 Corp.’s dividend specifics should be sourced from their official investor relations disclosures to ensure accuracy.

Analyst consensus plays a significant role in gauging market sentiment. A consensus of buy, hold, or sell recommendations reflects the collective opinion of financial analysts regarding Bank7 Corp.'s stock valuation and future performance. For the most up-to-date analyst ratings, refer to financial news outlets and research platforms.

Keep exploring Bank7 Corp. (BSVN): Exploring Bank7 Corp. (BSVN) Investor Profile: Who’s Buying and Why?

Bank7 Corp. (BSVN) Risk Factors

Understanding the risk factors that Bank7 Corp. (BSVN) faces is crucial for investors. These risks can stem from both internal and external sources, impacting the company's financial health and future performance. Here's an overview of key risk areas:

Industry Competition: The banking industry is highly competitive. Bank7 Corp. (BSVN) competes with other community banks, regional banks, and larger national banks, as well as non-bank financial service providers. This competition can put pressure on interest rates, fees, and the ability to attract and retain customers.

Regulatory Changes: Banks are subject to extensive regulation at both the federal and state levels. Changes in regulations can increase compliance costs, limit the types of products and services Bank7 Corp. (BSVN) can offer, and affect its capital requirements. For example, changes in capital adequacy rules or consumer protection laws could have a significant impact.

Market Conditions: Economic downturns, changes in interest rates, and fluctuations in real estate values can all affect Bank7 Corp. (BSVN). Rising interest rates can decrease demand for loans, while a recession can lead to increased loan defaults. Declines in real estate values can impact the value of the collateral backing the bank's loans.

Operational Risks: These risks relate to the bank's internal processes, systems, and people. They include:

• Credit Risk: The risk that borrowers will default on their loans.
• Liquidity Risk: The risk that the bank will not have enough cash to meet its obligations.
• Cybersecurity Risk: The risk of data breaches and cyberattacks that could disrupt operations and compromise sensitive information.
• Compliance Risk: The risk of failing to comply with laws and regulations.

Financial Risks: These risks are associated with the bank's financial performance and capital structure. They include:

• Interest Rate Risk: The risk that changes in interest rates will negatively affect the bank's earnings.
• Capital Adequacy Risk: The risk that the bank does not have enough capital to absorb losses.

Strategic Risks: These risks relate to the bank's overall business strategy and its ability to adapt to changing market conditions. They include:

• Competition: The intense competition in the financial services industry.
• Market Disruption: New technologies and business models could disrupt the traditional banking industry.

To mitigate these risks, Bank7 Corp. (BSVN) likely employs various strategies, such as:

• Diversifying its loan portfolio to reduce credit risk.
• Maintaining adequate capital levels to absorb losses.
• Investing in cybersecurity to protect against data breaches.
• Developing a strong compliance program to ensure adherence to laws and regulations.
• Monitoring market conditions and adjusting its business strategy as needed.

For further insights into Bank7 Corp. (BSVN)'s financial health, you can explore additional resources here: Breaking Down Bank7 Corp. (BSVN) Financial Health: Key Insights for Investors

Bank7 Corp. (BSVN) Growth Opportunities

Bank7 Corp. (BSVN) possesses several key growth drivers that could influence its future performance. These include strategic initiatives, market expansions, and competitive advantages that could position the company for sustained growth.

Analysis of Bank7 Corp.'s (BSVN) growth prospects reveals several potential avenues for expansion:

• Product Innovations: Continuously updating and diversifying its range of financial products to meet the changing needs of its customer base.
• Market Expansion: Exploring opportunities to extend its presence into new geographic markets, both domestically and potentially internationally.
• Acquisitions: Pursuing strategic acquisitions to increase market share, expand service offerings, or enter new business lines.

Predicting future revenue growth and earnings requires considering various factors. For the fiscal year 2024, Bank7 Corp. reported net income available to common shareholders of $33.9 million, or $2.77 per diluted share. While specific future revenue growth projections are not available, the company's historical performance and strategic initiatives offer insights into potential future performance.

Strategic initiatives and partnerships can significantly drive future growth for Bank7 Corp. (BSVN). These may include:

• Leveraging technology to improve operational efficiency and customer experience.
• Developing strategic alliances to expand its service offerings or reach new markets.
• Focusing on niche markets or specialized financial services to differentiate itself from competitors.

Bank7 Corp. (BSVN) holds several competitive advantages that could bolster its growth prospects:

• Strong customer relationships: Building and maintaining strong relationships with its customer base, leading to increased loyalty and repeat business.
• Efficient operations: Streamlining its operations to reduce costs and improve profitability.
• Adaptability: Remaining agile and adaptable to changing market conditions and customer needs.

Here’s a look at some key financial data from Bank7 Corp.'s (BSVN) recent performance:

To gain more insights into the investors behind Bank7 Corp. (BSVN) and their motivations, check out this related article: Exploring Bank7 Corp. (BSVN) Investor Profile: Who’s Buying and Why?