Bank7 Corp. Financial Ratios — BSVN Stock

Profitability (USD)

	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Return on Common Equity (%)	- -	43.12	71.04	103.29	176.01	97.72	64.87	41.22	46.77	32.36
Return on Assets (%)	- -	3.61	3.39	1	2.05	1.96	2.02	1.69	2.6	2.33
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	2.54	2.75	2.68	1.95	2.24	1.86	1.94	1.42	1.08	1.16
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	53.4	60.12	62.98	34.64	53.01	55.71	54.25	40.55	61.93	58.9
Profit Margin (%)	53.4	60.12	61.03	18.91	39.46	41.74	40.96	30.8	46.89	44.69
Net Income to Common Margin (%)	53.4	60.12	61.03	18.91	39.46	41.74	40.96	30.8	46.89	44.69
Effective Tax Rate (%)	- -	- -	3.09	45.42	25.57	25.09	24.5	24.04	24.28	24.13
Dvd Payout Ratio (%)	41.59	40.98	224.62	12.23	40.5	17.19	14.73	22.36	17.63	21.69
Sustainable Growth Rate (%)	- -	25.45	-88.53	90.66	104.72	80.92	55.31	32	38.52	25.34

Credit (USD)

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	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Debt	6	6	- -	- -	- -	- -	- -	- -	- -	- -
ST Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
LT Debt	6	6	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt/EBITDA	8.01	5.15	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBITDA	-121.73	-114.54	-145.71	-173.47	-155.82	-192.62	-81.5	-152.63	-227.92	-227.96
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	7.84	8.84	1.06	0.89	1.39	2.46	3.67	4.46	6.69	7.63
Long-Term Debt/Equity (%)	11.61	8.1	- -	- -	- -	- -	- -	- -	- -	- -
Long-Term Debt/Capital (%)	11.73	8.26	- -	- -	- -	- -	- -	- -	- -	- -
Long-Term Debt/Total Assets (%)	1.04	0.8	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt/Equity (%)	11.61	8.1	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt/Capital (%)	11.73	8.26	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt/Total Assets (%)	1.04	0.8	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt to Equity	-176.41	-180.15	-180.69	-147.09	-158.7	-155.87	-79.52	-116.67	-112.99	-101.63
Net Debt/Capital (%)	198.03	199.61	105.4	105.54	109.07	120.1	203	166.06	193.44	242.28
EBITDA	1	1	1	1	1	1	1	1	1	1
EBITDA-CapEx	-2	-3	1	-2	1	- -	1	-2	-3	-4
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

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	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	7.84	8.84	1.06	0.89	1.39	2.46	3.67	4.46	6.69	7.63
Long-Term Debt/Equity (%)	11.61	8.1	- -	- -	- -	- -	- -	- -	- -	- -
Long-Term Debt/Capital (%)	11.73	8.26	- -	- -	- -	- -	- -	- -	- -	- -
Long-Term Debt/Total Assets (%)	1.04	0.8	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt/Equity (%)	11.61	8.1	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt/Capital (%)	11.73	8.26	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt/Total Assets (%)	1.04	0.8	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Total Liabilities	3.47	4.08	3.96	2.5	2.78	2.46	2.76	3.07	3.61	2.69
CFO/CapEx	8.35	6.52	71.43	6.19	57.61	50.31	135.08	17.33	13.12	9.73
Altman's Z-Score	0.16	0.18	0.16	0.21	0.16	0.18	0.19	0.21	0.32	0.29

Working Capital (USD)

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	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Accounts Receivable Turnover	- -	8.84	6.92	6.55	7.36	6.28	5.37	11.17	- -	- -
Days Sales Outstanding	- -	41.31	52.77	55.69	49.59	58.13	67.99	32.69	- -	- -
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

API ChatGPT

	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	- -	- -	108	192	133	208	233	251	433	387
- Cash & Cash Equivalents	104	130	160	147	170	199	115	199	241	255
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	6	6	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	-97	-125	-52	45	-37	-75	-55	-88	152	95
Total Capital	55	68	8	8	14	33	58	79	116	150
Total Debt/Capital (%)	11.73	8.26	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt / EV	-0.07	-0.04	- -	- -	- -	- -	- -	- -	- -	- -
EV/Sales	- -	- -	- -	1.04	- -	- -	- -	- -	1.56	0.99
EV/EBITDA	- -	- -	- -	53.09	- -	- -	- -	- -	143.51	85.07
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	2.35	- -	- -	- -	- -	2.76	2.06
EV/Free Cash Flow to Firm	- -	- -	- -	2.02	- -	- -	- -	- -	2.56	1.87
Diluted Market Cap	- -	- -	110	192	133	209	236	253	441	392
Diluted Enterprise Value	-97	-125	-50	45	-37	11	121	55	200	137
EV per Share	- -	- -	- -	4.44	- -	- -	- -	- -	16.33	10.08
TTM Sales	31	40	41	44	49	55	72	92	97	96
TTM EBITDA	1	1	1	1	1	1	1	1	1	1
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	19	26	27	19	25	30	40	49	55	46
TTM Free Cash Flow to Firm	22	30	27	22	26	31	40	52	59	51

Multiples (USD)

API ChatGPT

	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Price/Free Cash Flow	- -	- -	4.02	8.64	5.19	6.8	5.89	4.88	7.44	7.71
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	-97	-125	-52	45	-37	-75	-55	-88	152	95
Low Price	- -	- -	10.85	12.9	5.58	13.84	21.08	19.53	24.45	32.49
EV/Sales	- -	- -	- -	1.04	- -	- -	- -	- -	1.56	0.99
EV/EBITDA	- -	- -	- -	53.09	- -	- -	- -	- -	143.51	85.07
Price/Earnings	- -	- -	4.33	23.39	6.91	8.99	7.86	8.86	9.49	8.99
Price/Earnings Average	- -	- -	5.7	21.46	5.59	7.7	7.4	8.1	7.02	9.28
Price/Earnings High	- -	- -	6.72	24.72	9.36	10.67	8.91	10	10.05	11.02
Price/Earnings Low	- -	- -	3.52	15.91	2.72	5.41	6.47	6.33	4.97	7.12
Price/Book Value	- -	- -	13.21	24.87	9.41	6.27	4.01	3.17	3.72	2.58
Price/Book Value Average	- -	- -	17.39	22.82	7.61	5.37	3.77	2.9	2.76	2.67
Price/Book Value High	- -	- -	20.52	26.28	12.74	7.43	4.54	3.58	3.95	3.17
Price/Book Value Low	- -	- -	10.74	16.92	3.7	3.77	3.3	2.26	1.95	2.05
Price/Tangible Book Value	- -	- -	1.25	1.96	1.26	1.78	1.74	1.56	2.13	1.62
Price/Tangible Book Value Average	- -	- -	1.65	1.79	1.02	1.52	1.63	1.42	1.57	1.67
Price/Tangible Book Value High	- -	- -	1.94	2.07	1.71	2.11	1.97	1.76	2.25	1.99
Price/Tangible Book Value Low	- -	- -	1.02	1.33	0.49	1.07	1.43	1.11	1.11	1.28
Price/Sales	- -	- -	2.64	4.42	2.73	3.75	3.22	2.73	4.45	4.02
Price/Sales Average	- -	- -	3.48	4.06	2.21	3.21	3.03	2.5	3.29	4.15
Price/Sales High	- -	- -	4.1	4.67	3.69	4.45	3.65	3.08	4.71	4.93
Price/Sales Low	- -	- -	2.15	3.01	1.07	2.26	2.65	1.95	2.33	3.18
Price/Cash Flow	- -	- -	4.01	10.03	5.28	6.91	5.87	5.1	7.87	8.39
Price/Cash Flow Average	- -	- -	5.28	9.2	4.27	5.92	5.52	4.66	5.83	8.66
Price/Cash Flow High	- -	- -	6.23	10.6	7.15	8.2	6.65	5.76	8.34	10.29
Price/Cash Flow Low	- -	- -	3.26	6.82	2.07	4.16	4.83	3.64	4.13	6.65
Price/Free Cash Flow Average	- -	- -	5.29	7.92	4.2	5.83	5.54	4.46	5.51	7.96
Price/Free Cash Flow High	- -	- -	6.24	9.13	7.03	8.07	6.67	5.5	7.88	9.46
Price/Free Cash Flow Low	- -	- -	3.26	5.88	2.04	4.09	4.85	3.48	3.9	6.11
EV/Sales Average	- -	- -	- -	0.67	- -	- -	1.45	0.33	0.82	1.5
EV/Sales High	- -	- -	0.2	1.29	0.21	0.87	2.07	0.92	2.24	2.28
EV/Sales Low	- -	- -	- -	- -	- -	- -	1.07	- -	- -	0.54
EV/EBITDA Average	-121.73	-114.54	-15.86	34.43	-57.24	-19.6	74.43	23.32	75.52	129.24
EV/EBITDA High	-121.73	-114.54	7.54	66	9.19	47	106.29	64.52	206.43	196.22
EV/EBITDA Low	-121.73	-114.54	-65.54	-19.32	-107.94	-71.06	54.96	-15.2	-13.03	46.24
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	- -	- -	13.35	18.96	14.2	23	25.6	27.35	46.66	40.98
High Price	- -	- -	20.74	20.04	19.23	27.28	29.01	30.86	49.42	50.26
Enterprise Value Average	-97	-125	-17	29	-63	-20	105	30	80	145
Enterprise Value High	-97	-125	8	56	10	48	149	84	218	220
Enterprise Value Low	-97	-125	-72	-16	-118	-73	77	-20	-14	52

Shares Outstanding	10	10	10	10	9	9	9	9	9	9
Diluted Weighted Avg Shares	10	10	8	10	9	9	9	9	9	10
Basic Weighted Avg Shares	10	10	8	10	9	9	9	9	9	9
Revenue per Share	3.09	3.88	5.05	4.29	5.21	6.13	7.95	10.02	10.49	10.2
EBITDA per Share	0.08	0.11	0.14	0.08	0.12	0.11	0.15	0.14	0.11	0.12
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	1.65	2.34	3.08	0.81	2.05	2.56	3.26	3.09	4.92	4.56
Basic EPS from Cont Ops	1.65	2.34	3.08	0.81	2.05	2.56	3.26	3.09	4.92	4.56
Diluted EPS, GAAP	1.65	2.34	3.03	0.81	2.05	2.55	3.22	3.05	4.84	4.5
Diluted EPS from Cont Ops	1.65	2.34	3.03	0.81	2.05	2.55	3.22	3.05	4.84	4.5
Dividend per Share	0.69	0.96	6.93	0.1	0.83	0.44	0.48	0.69	0.87	0.99
Cash Flow per Share	1.9	2.54	3.33	1.89	2.69	3.33	4.36	5.36	5.93	4.89
Free Cash Flow per Basic Share	1.67	2.15	3.28	1.59	2.64	3.26	4.33	5.05	5.47	4.38
Cash & Equivalents per Share	10.18	12.78	19.72	14.52	18.16	31.29	31.62	36.94	30.33	30.9
Book Value per Share	4.73	6.1	1.01	0.76	1.51	3.67	6.39	8.63	12.53	15.86
Tangible Book Value per Share	5.18	6.57	10.67	9.69	11.27	12.95	14.74	17.56	21.95	25.31

Bank7 Corp.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)