Bank7 (BSVN) Cash Flow: Operating & Free Cash Flow

Bank7 (BSVN) Cash Flow Statement

In fiscal 2025 (fiscal year ended Dec 31, 2025), Bank7 generated $46.14M of operating cash flow and spent $4.74M on capital expenditures. That left free cash flow of $41.40M, down 18.6% from $50.85M a year earlier, or 43.0% of revenue. It returned $10.62M to shareholders through $9.34M in dividends and $1.28M in share buybacks.

Bank7 Cash Flow Statement Analysis

Values in millions USD

Income Statement Balance Sheet Cash Flow Ratios

Scale:

Scroll to see more

Cash flow statement showing operating, investing, and financing activities for Bank7 Corp. (BSVN) - Annual data in millions USD
Breakdown	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017
Period ending	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019	Dec 2018	Dec 2017
Operating Activities
Net Income	43.07	45.70	28.28	29.64	23.16	19.27	8.23	25.00	23.79
Depreciation & Amortization	1.12	1.06	1.30	1.41	1.03	1.09	0.85	1.10	1.09
Deferred Income Tax	-0.34	-0.14	-1.26	-1.42	0.24	-0.88	-0.02	-1.07	0.00
Stock Based Compensation	3.06	2.47	2.16	1.38	1.04	0.77	12.12	0.15	0.00
Change in Working Capital	0.40	6.13	-2.10	2.86	0.60	-1.07	-1.32	1.75	-0.11
Change in Accounts Receivable	0.01	5.28	-2.54	-1.87	0.91	-0.16	1.06	-1.41	-0.42
Change in Accounts Payable	0.39	0.85	0.43	4.73	-0.30	-0.91	-2.39	3.16	0.31
Change in Other Working Capital	-0.75	1.09	-0.39	0.95	0.00	0.00	0.00	0.00	0.00
Other Operating Activities	-1.46	1.09	-0.39	0.95	4.06	6.05	-0.67	0.07	1.11
Net Cash from Operating Activities	46.14	55.05	49.13	39.71	30.13	25.24	19.18	27.00	25.88
Investing Activities
Capital Expenditures	-4.74	-4.20	-2.83	-0.29	-0.60	-0.44	-3.10	-0.38	-3.97
Acquisitions	-2.75	0.00	-16.48	0.00	20.43	0.00	0.00	0.00	0.00
Purchases of Investments	-0.04	-83.88	-0.07	-133.06	-0.03	-0.07	-0.05	-0.01	-0.01
Sales/Maturities of Investments	9.08	195.69	7.42	31.56	1.46	0.00	0.00	0.00	0.00
Other Investing Activities	0.16	-27.46	-118.89	-0.01	-64.76	-119.10	-104.93	-37.19	-61.82
Net Cash from Investing Activities	-210.59	80.16	-130.86	-342.77	-43.49	-119.61	-108.07	-37.57	-65.79
Financing Activities
Debt Repayment	0.00	0.00	0.00	0.00	0.00	0.00	0.00	-5.60	-0.80
Common Stock Issued	0.15	2.59	0.00	0.00	0.00	0.00	0.00	50.15	0.00
Common Stock Repurchased	-1.28	-0.67	-0.51	-0.45	0.00	-9.08	-2.65	0.00	0.00
Dividends Paid	-9.34	-8.06	-6.32	-4.37	-3.98	-7.80	-1.01	-56.16	-9.75
Other Financing Activities	0.15	2.59	-0.51	-0.15	68.29	148.03	81.58	50.21	76.28
Net Cash from Financing Activities	174.89	-82.05	153.66	207.32	64.31	131.15	77.93	38.61	65.73
Summary
Net Change in Cash	10.44	53.15	71.93	-95.74	50.95	36.77	-10.96	28.04	25.81
Cash at Beginning of Period	234.20	181.04	109.12	204.85	153.90	117.13	128.09	100.05	74.24
Cash at End of Period	244.64	234.20	181.04	109.12	204.85	153.90	117.13	128.09	100.05
Free Cash Flow	41.40	50.85	46.29	39.42	29.53	24.80	16.08	26.62	21.91
Supplemental Disclosures
Interest Paid	-	45.57	37.94	9.10	3.22	-	-	-	-
Income Taxes Paid	-	15.06	10.80	9.98	7.51	-	-	-	-

Source: Company financial statements from annual and quarterly filings. Data as of Sep 30, 2026. Data sources and methodology

Frequently Asked Questions About Bank7 Cash Flow

What is Bank7's free cash flow?

Bank7 generated free cash flow of $41.40M in fiscal 2025 (fiscal year ended Dec 31, 2025), operating cash flow of $46.14M minus $4.74M of capital expenditures. That was down 18.6% from $50.85M a year earlier. Free cash flow equaled 43.0% of revenue.

How much does Bank7 spend on capital expenditures?

Bank7 spent $4.74M on capital expenditures in fiscal 2025, compared with $4.20M a year earlier. That equals 10.3% of operating cash flow.

Does Bank7 pay dividends or buy back shares?

Yes. In fiscal 2025 Bank7 returned $9.34M in dividends and $1.28M in share buybacks to shareholders, according to its cash flow statement.

What is free cash flow?

Free cash flow is operating cash flow minus capital expenditures. It is the cash a company has left for dividends, buybacks, debt repayment or acquisitions after funding its operations and investment. Full definition