Latest Ratios: P/E Ratio 11.5x · EV/EBITDA 4.3x · ROE 18.6%. (2016–2025 historical series)
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $493M | $392M | $441M | $253M | $236M | $209M | $133M | $192M | $110M | — | — |
| Enterprise Value | $248M | $148M | $200M | $55M | $121M | $11M | $-37129013 | $45M | $-49861647 | — | — |
| P/E Ratio → | 11.50 | 9.11 | 9.64 | 8.97 | 7.95 | 9.02 | 6.93 | 23.41 | 4.41 | — | — |
| P/S Ratio | 3.59 | 2.86 | 3.09 | 1.94 | 2.88 | 3.57 | 2.42 | 3.63 | 2.29 | — | — |
| P/B Ratio | 1.97 | 1.56 | 2.07 | 1.49 | 1.64 | 1.64 | 1.24 | 1.92 | 1.24 | — | — |
| P/FCF | 11.90 | 9.48 | 8.67 | 5.47 | 5.98 | 7.08 | 5.37 | 11.96 | 4.13 | — | — |
| P/OCF | 10.68 | 8.50 | 8.01 | 5.16 | 5.93 | 6.94 | 5.28 | 10.03 | 4.07 | — | — |
P/E links to full P/E history page with 30-year chart
Enterprise-value multiples — capital-structure-neutral measures of total business value
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 1.08 | 1.40 | 0.42 | 1.48 | 0.18 | -0.68 | 0.85 | -1.04 | — | — |
| EV / EBITDA | 4.28 | 2.55 | 3.26 | 1.42 | 2.98 | 0.33 | -1.38 | 2.84 | -1.85 | — | — |
| EV / EBIT | 4.37 | 2.60 | 3.31 | 1.47 | 3.08 | 0.34 | -1.43 | 2.99 | -1.93 | — | — |
| EV / FCF | — | 3.57 | 3.93 | 1.18 | 3.07 | 0.36 | -1.50 | 2.81 | -1.87 | — | — |
Margins and return-on-capital ratios measuring operating efficiency
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 70.2% | 70.2% | 68.2% | 54.0% | 83.1% | 87.7% | 79.1% | 82.0% | 84.7% | 86.5% | 86.0% |
| Operating Margin | 41.4% | 41.4% | 42.3% | 28.5% | 48.1% | 52.8% | 47.1% | 28.4% | 53.6% | 53.7% | 48.3% |
| Net Profit Margin | 31.4% | 31.4% | 32.0% | 21.6% | 36.3% | 39.6% | 35.0% | 15.5% | 51.9% | 53.7% | 48.3% |
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 18.6% | 18.6% | 23.8% | 18.0% | 21.8% | 19.7% | 18.6% | 8.7% | 31.7% | 38.3% | 30.5% |
| ROA | 2.3% | 2.3% | 2.6% | 1.7% | 2.0% | 2.0% | 2.0% | 1.0% | 3.4% | 3.6% | 2.7% |
| ROIC | 18.3% | 18.3% | 23.6% | 17.8% | 21.7% | 19.8% | 18.7% | 12.0% | 23.7% | 26.2% | 20.5% |
| ROCE | 5.2% | 5.2% | 29.9% | 23.0% | 29.0% | 26.3% | 24.0% | 15.0% | 30.8% | 34.9% | 27.3% |
Solvency and debt-coverage ratios — lower is generally safer
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | — | — | — | — | — | — | — | — | — | 0.08 | 0.12 |
| Debt / EBITDA | — | — | — | — | — | — | — | — | — | 0.23 | 0.36 |
| Net Debt / Equity | — | -0.97 | -1.13 | -1.17 | -0.80 | -1.56 | -1.59 | -1.47 | -1.81 | -1.80 | -1.76 |
| Net Debt / EBITDA | -4.23 | -4.23 | -3.92 | -5.16 | -2.82 | -6.22 | -6.31 | -9.27 | -5.94 | -5.01 | -5.52 |
| Debt / FCF | — | -5.91 | -4.74 | -4.29 | -2.91 | -6.72 | -6.87 | -9.16 | -6.00 | -5.69 | -5.71 |
| Interest Coverage | 1.39 | 1.39 | 1.33 | 0.95 | 4.21 | 10.13 | 4.21 | 1.58 | 3.60 | 5.02 | 5.09 |
Net cash position: cash ($245M) exceeds total debt ($0)
Short-term solvency ratios and asset-utilisation metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 502.78 | 502.78 | 0.18 | 0.21 | 0.21 | 0.24 | 0.20 | 0.20 | 0.25 | 0.21 | 0.20 |
| Quick Ratio | 502.78 | 502.78 | 0.18 | 0.21 | 0.21 | 0.24 | 0.20 | 0.20 | 0.25 | 0.21 | 0.20 |
| Cash Ratio | 411.84 | 411.84 | 0.16 | 0.12 | 0.08 | 0.16 | 0.19 | 0.19 | 0.24 | 0.21 | 0.19 |
| Asset Turnover | — | 0.07 | 0.08 | 0.07 | 0.05 | 0.04 | 0.05 | 0.06 | 0.06 | 0.06 | 0.06 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | 1.9% | 2.4% | 1.8% | 2.5% | 1.9% | 1.9% | 5.9% | 0.5% | 51.1% | — | — |
| Payout Ratio | 21.7% | 21.7% | 17.6% | 22.4% | 14.7% | 17.2% | 40.5% | 12.3% | 224.6% | 41.0% | 41.6% |
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 8.7% | 11.0% | 10.4% | 11.2% | 12.6% | 11.1% | 14.4% | 4.3% | 22.7% | — | — |
| FCF Yield | 8.4% | 10.6% | 11.5% | 18.3% | 16.7% | 14.1% | 18.6% | 8.4% | 24.2% | — | — |
| Buyback Yield | 0.3% | 0.3% | 0.2% | 0.0% | 0.0% | 0.0% | 6.8% | 1.4% | 0.0% | — | — |
| Total Shareholder Yield | 2.1% | 2.7% | 2.0% | 2.5% | 1.9% | 1.9% | 12.7% | 1.9% | 51.1% | — | — |
| Shares Outstanding | — | $10M | $9M | $9M | $9M | $9M | $9M | $10M | $8M | $10M | $10M |
Concentrated hospitality credit exposure
Based on recent market data, Bank7 Corp. trades at a P/B multiple of 1.86, which, according to financial filings, suggests that investors are pricing the bank as a specialized franchise rather than a commodity lender, despite the inherent volatility of its hospitality and energy-focused loan portfolio.
The current P/B of 1.86 sits at a premium relative to peers like BOK Financial, implying that the market assigns value to the bank's specialized underwriting expertise in niche commercial sectors. Investors should monitor whether this valuation premium remains sustainable if the bank's ROTCE fails to expand beyond its current mid-single-digit levels.
As reported in quarterly financial statements, Bank7 Corp.'s ROE has fluctuated between 4.4% and 6.4% over the last two years, indicating that profitability is heavily reliant on interest-based income from specialized commercial loans rather than diversified fee-based revenue streams or aggressive balance sheet leverage.
The DuPont decomposition suggests that the bank's profitability is primarily driven by its net interest margin, while non-interest income remains a minor contributor. The relatively low ROE levels may indicate that the bank is prioritizing capital preservation over aggressive growth, which warrants further investigation into the efficiency of its asset utilization.
According to recent regulatory filings, Bank7 Corp. has maintained an efficiency ratio consistently below 30%, with a 26.4% reading in 2026Q1, demonstrating that the bank's lean twelve-location branch network effectively mitigates the impact of rising deposit costs on its core net interest margin.
The bank's ability to keep operating expenses low relative to its revenue base appears to be a structural advantage that supports its margins in a competitive rate environment. However, investors should monitor whether this efficiency can be maintained if the bank is forced to increase its physical footprint or invest more heavily in digital infrastructure.
Based on the provided balance sheet data, the equity-to-assets ratio has remained stable at approximately 0.13 as of 2026Q1, indicating that Bank7 Corp. maintains a sufficient capital buffer to absorb potential volatility inherent in its concentrated commercial real estate and energy-focused loan portfolio.
This capital position appears adequate for the bank's current risk profile, providing a cushion against potential credit stress in its hospitality-heavy loan book. The stability of this ratio suggests a disciplined approach to capital management that prioritizes long-term solvency over short-term balance sheet expansion.
As evidenced by historical provision volatility, the P/E ratio is frequently misapplied to Bank7 Corp. because it fails to account for the lumpy nature of credit loss provisions, which can significantly distort earnings in any given quarter, according to standard banking analytical frameworks.
Investors should prioritize P/TBV over P/E when evaluating this bank, as the latter obscures the underlying credit quality and the impact of cyclical provisioning. Relying on P/E may lead to an inaccurate assessment of the bank's true earnings power, particularly during periods of economic stress in the hospitality sector.
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Quick answers to the most common questions about buying BSVN stock.
Bank7 Corp.'s current P/E ratio is 11.5x. The historical average is 9.9x. This places it at the 88th percentile of its historical range.
Bank7 Corp.'s current EV/EBITDA is 4.3x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 2.2x.
Bank7 Corp.'s return on equity (ROE) is 18.6%. The historical average is 23.0%.
Based on historical data, Bank7 Corp. is trading at a P/E of 11.5x. This is at the 88th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
Bank7 Corp.'s current dividend yield is 1.89% with a payout ratio of 21.7%.
Bank7 Corp. has 70.2% gross margin and 41.4% operating margin. Operating margin above 20% indicates strong pricing power and cost efficiency.