Bank7 Corp. (BSVN) Valuation

Valuation

Model-based estimates, not advice. The DCF is the discounted-cash-flow value per share; compare it with the price, not as a target.

DCF fair value

+239.9%

$199.32

vs $58.64 price

Levered DCF

$252.19

After debt service

Piotroski score

4 / 9

Average

Altman Z-score

-0.35

Distress zone

Rating

B+

Overall 3 / 5

Ratios by fiscal year

Margins and yields are shares of revenue, equity or price; multiples are ×.

Metric	FY2025	FY2024	FY2023	FY2022	FY2021	FY2020	FY2019	FY2018
P/E	8.99×	9.48×	8.85×	7.85×	8.98×	6.93×	23.41×	4.33×
P/B	1.54×	2.03×	1.47×	1.62×	1.63×	1.24×	1.92×	1.22×
P/S	2.82×	3.04×	1.92×	2.85×	3.56×	2.42×	3.63×	2.25×
EV / EBITDA	2.46×	3.14×	1.35×	2.91×	0.3×	-1.38×	2.83×	-1.92×
Gross margin	70.2%	68.2%	54.0%	83.1%	87.7%	79.1%	82.0%	84.7%
Operating margin	41.4%	42.3%	28.5%	48.1%	52.8%	47.1%	28.4%	53.6%
Net margin	31.4%	32.0%	21.6%	36.3%	39.6%	35.0%	15.5%	51.9%
Current ratio	502.78×	0.18×	0.21×	0.21×	0.24×	0.2×	0.2×	0.25×
Debt / equity	0×	0×	0×	0×	0×	0×	0×	0×
Interest coverage	1.39×	1.33×	0.95×	4.21×	10.13×	4.21×	1.58×	3.6×
Dividend yield	2.4%	1.9%	2.5%	1.9%	1.9%	5.9%	0.5%	51.9%
Payout ratio	21.7%	17.6%	22.4%	14.7%	17.2%	40.5%	12.3%	224.6%

Key metrics by fiscal year

Metric	FY2025	FY2024	FY2023	FY2022	FY2021	FY2020	FY2019	FY2018
Return on equity	17.2%	21.4%	16.6%	20.6%	18.2%	18.0%	8.2%	28.3%
Return on invested capital	13.0%	20.4%	15.7%	20.7%	18.2%	18.0%	7.6%	27.0%
Return on assets	2.2%	2.6%	1.6%	1.9%	1.7%	1.9%	0.9%	3.2%
Free cash flow yield	10.7%	11.7%	18.5%	16.9%	14.2%	18.6%	8.4%	24.6%
Earnings yield	11.1%	10.5%	11.3%	12.7%	11.1%	14.5%	4.3%	23.1%
Enterprise value	$142.4M	$192.6M	$51.9M	$118.4M	$9.7M	-$37.1M	$45.1M	-$51.6M
Net debt / EBITDA	-4.23×	-3.92×	-5.16×	-2.82×	-6.22×	-6.31×	-9.25×	-5.94×
Cash conversion cycle (days)	0	0	0	-184	-221	-74	-281	-155