Demonstrações financeiras detalhadas de Bank7 Corp. (BSVN): demonstração de resultados, balanço patrimonial e fluxo de caixa. Acompanhe a evolução de margens, dívida, liquidez e rentabilidade ano a ano com até 20 anos de histórico.
Resumo da Análise
Bank7 Corp. registou receitas de $137.3M no último exercício, com um CAGR de 5 anos de 20.1%. O lucro líquido atingiu $43.1M, com CAGR de 5 anos de 17.5%.
Margens dos últimos 12 meses: margem bruta 70.0%, margem operacional 41.5%, margem líquida 31.0%. O fluxo de caixa livre cresceu a CAGR de 10.8% em 5 anos.
Ao preço atual de $54.37, BSVN negocia a um P/L de 11.73 e um ROE de 16.48%. A capitalização de mercado é de $518M.
Demonstração de Resultados (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Receita | $34.8M | $44.3M | $48.1M | $53.0M | $55.0M | $58.5M | $81.7M | $130.8M | $142.8M | $137.3M |
| Custo da Receita | $4.9M | $6.0M | $7.4M | $9.5M | $11.5M | $7.2M | $13.8M | $60.1M | $45.3M | $40.9M |
| Lucro Bruto | $29.9M | $38.3M | $40.8M | $43.5M | $43.5M | $51.3M | $67.9M | $70.6M | $97.4M | $96.4M |
| P&D | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Despesas Gerais e Administrativas | $7.0M | $8.0M | $8.7M | $21.9M | $10.5M | $12.3M | $17.5M | $17.8M | $21.3M | $23.6M |
| Despesas Operacionais | $13.1M | $14.5M | $15.0M | $28.4M | $17.6M | $20.4M | $28.6M | $33.4M | $37.1M | $39.6M |
| Lucro Operacional | $16.8M | $23.8M | $25.8M | $15.0M | $25.9M | $30.9M | $39.3M | $37.2M | $60.4M | $56.8M |
| EBITDA | $17.6M | $24.9M | $26.9M | $15.9M | $27.0M | $31.9M | $40.7M | $38.5M | $61.4M | $57.9M |
| Despesas com Juros | $3.3M | $4.7M | $7.2M | $9.5M | $6.2M | $3.1M | $9.3M | $39.0M | $45.3M | $40.9M |
| Lucro Antes de Impostos | $16.8M | $23.8M | $25.8M | $15.0M | $25.9M | $30.9M | $39.3M | $37.2M | $60.4M | $56.8M |
| Imposto | -$59 | 0 | $797000 | $6.8M | $6.6M | $7.8M | $9.6M | $8.9M | $14.7M | $13.7M |
| Lucro Líquido | $16.8M | $23.8M | $25.0M | $8.2M | $19.3M | $23.2M | $29.6M | $28.3M | $45.7M | $43.1M |
| LPA | $1.65 | $2.34 | $3.08 | $0.81 | $2.05 | $2.56 | $3.26 | $3.09 | $4.92 | $4.56 |
| LPA Diluído | $1.65 | $2.34 | $3.03 | $0.81 | $2.05 | $2.55 | $3.22 | $3.05 | $4.84 | $4.50 |
| Ações em Circulação (Diluídas) | $10.2M | $10.2M | $8.2M | $10.1M | $9.4M | $9.1M | $9.2M | $9.3M | $9.4M | $9.6M |
Demonstração de Resultados (Trimestral)
| Ano | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Receita | $35.9M | $34.7M | $35.7M | $29.0M |
| Lucro Bruto | $24.5M | $24.1M | $26.2M | $19.9M |
| Lucro Operacional | $14.2M | $14.2M | $16.7M | $11.0M |
| EBITDA | $14.5M | $14.4M | $17.0M | $11.3M |
| Lucro Líquido | $10.8M | $10.8M | $12.0M | $8.3M |
| LPA | $1.15 | $1.14 | $1.26 | $0.88 |
| LPA Diluído | $1.13 | $1.12 | $1.25 | $0.87 |
Balanço (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Caixa e Equivalentes | $103.7M | $130.2M | $159.8M | $147.3M | $170.3M | $198.6M | $114.6M | $198.7M | $240.9M | $244.6M |
| Investimentos de Curto Prazo | 0 | 0 | 0 | 0 | 0 | $84.8M | $173.2M | $139.7M | $32.2M | $10.5M |
| Contas a Receber | $4.3M | $4.7M | $7.2M | $6.1M | $7.2M | $10.5M | $16.4M | 0 | 0 | 0 |
| Estoque | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Ativos Circulantes | $107.9M | $134.9M | $167.0M | $153.4M | $177.5M | $293.9M | $304.2M | $338.4M | $273.1M | $298.7M |
| Imobilizado | $6.5M | $9.6M | $7.8M | $9.6M | $9.2M | $17.3M | $13.1M | $14.9M | $18.1M | $21.9M |
| Ágio | $1.0M | $1.0M | $1.0M | $1.0M | $1.0M | $8.5M | $8.6M | $8.5M | $8.5M | $11.2M |
| Ativos Intangíveis | $1.4M | $1.2M | $984000 | $778000 | $572000 | $1.6M | $1.3M | $1.0M | $878000 | $752000 |
| Ativos Totais | $613.8M | $703.6M | $770.5M | $866.4M | $1.02B | $1.35B | $1.58B | $1.77B | $1.74B | $1.96B |
| Contas a Pagar | $2.7M | $3.0M | $4.2M | $8.4M | $3.8M | $5.7M | $9.7M | 0 | 0 | 0 |
| Dívida de Curto Prazo | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Passivos Circulantes | $552.2M | $628.8M | $677.8M | $757.8M | $909.4M | $1.22B | $1.44B | $1.59B | $1.52B | $594000 |
| Dívida de Longo Prazo | $6.4M | $5.6M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Passivos Totais | $558.6M | $634.4M | $682.0M | $766.3M | $909.4M | $1.22B | $1.44B | $1.60B | $1.53B | $1.71B |
| Reservas | $48.1M | $62.1M | $8.1M | $7.6M | $14.1M | $33.1M | $58.0M | $79.0M | $116.3M | $149.7M |
| Patrimônio Líquido | $55.1M | $69.2M | $88.5M | $100.1M | $107.3M | $127.4M | $144.1M | $170.3M | $213.2M | $251.0M |
| Dívida Total | $6.4M | $5.6M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Dívida Líquida | -$97.3M | -$124.6M | -$159.8M | -$147.3M | -$170.3M | -$283.4M | -$287.8M | -$338.4M | -$273.1M | -$255.1M |
| Capital de Giro | -$444.3M | -$493.9M | -$510.8M | -$604.5M | -$731.9M | -$929.2M | -$1.14B | -$1.25B | -$1.24B | $298.1M |
Balanço (Trimestral)
| Ano | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Caixa e Equivalentes | $256.7M | $244.6M | $246.7M | $220.6M |
| Ativos Totais | $1.89B | $1.96B | $1.95B | $1.91B |
| Passivos Totais | $1.65B | $1.71B | $1.69B | $1.65B |
| Patrimônio Líquido | $241.7M | $251.0M | $259.8M | $266.3M |
| Dívida Total | 0 | 0 | 0 | 0 |
Fluxo de Caixa (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Lucro Líquido | $16.8M | $23.8M | $25.0M | $8.2M | $19.3M | $23.2M | $29.6M | $28.3M | $45.7M | $43.1M |
| Depreciação e Amortização | $799000 | $1.1M | $1.1M | $849000 | $1.1M | $1.0M | $1.4M | $1.3M | $1.1M | $1.3M |
| Compensação em Ações | 0 | 0 | $154000 | $12.1M | $771000 | $1.0M | $1.4M | $2.2M | $2.5M | $3.1M |
| Variação Capital de Giro | $491000 | -$107000 | $1.8M | -$1.3M | -$1.1M | $604000 | $2.9M | -$2.1M | $6.1M | $400000 |
| Fluxo de Caixa Operacional | $19.4M | $25.9M | $27.0M | $19.2M | $25.2M | $30.1M | $39.7M | $49.1M | $55.0M | $46.1M |
| CapEx | -$2.3M | -$4.0M | -$378000 | -$3.1M | -$438000 | -$599000 | -$294000 | -$2.8M | -$4.2M | -$4.7M |
| Aquisições | 0 | 0 | 0 | 0 | 0 | $20.4M | 0 | -$16.5M | 0 | -$2.8M |
| Recompra de Ações | 0 | 0 | 0 | -$2.6M | -$9.1M | 0 | 0 | 0 | -$666000 | -$1.3M |
| Dividendos Pagos | -$7.0M | -$9.7M | -$56.2M | -$1.0M | -$7.8M | -$4.0M | -$4.4M | -$6.3M | -$8.1M | -$9.3M |
| Fluxo de Caixa Livre | $17.0M | $21.9M | $26.6M | $16.1M | $24.8M | $29.5M | $39.4M | $46.3M | $50.8M | $41.4M |
Fluxo de Caixa (Trimestral)
| Ano | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Fluxo de Caixa Operacional | $16.6M | $9.1M | $16.6M | $7.5M |
| CapEx | -$214000 | -$6.2M | -$2.5M | $2.5M |
| Fluxo de Caixa Livre | $16.4M | $2.8M | $14.2M | $10.0M |
| Dividendos Pagos | -$2.3M | -$2.6M | -$2.6M | -$2.6M |
| Compensação em Ações | $842000 | $806000 | $659000 | 0 |
Crescimento e Margens (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Crescimento Receita (anual) | | +27.3% | +8.6% | +10.2% | +3.7% | +6.5% | +39.5% | +60.1% | +9.2% | -3.9% |
| Crescimento Lucro Líquido (anual) | | +41.5% | +5.1% | -67.2% | +134.9% | +20.2% | +28.0% | -4.6% | +61.6% | -5.8% |
| Crescimento LPA (anual) | | +41.8% | +31.6% | -73.7% | +153.1% | +24.9% | +27.3% | -5.2% | +59.2% | -7.3% |
| Variação de Ações (anual) | | +0.0% | -19.1% | +23.2% | -7.6% | -3.1% | +1.2% | +0.6% | +2.0% | +1.3% |
| Crescimento FCF (anual) | | +28.6% | +21.5% | -39.6% | +54.2% | +19.1% | +33.5% | +17.4% | +9.8% | -18.6% |
| Margem Bruta | 86.0% | 86.5% | 84.7% | 82.0% | 79.1% | 87.7% | 83.1% | 54.0% | 68.2% | 70.2% |
| Margem Operacional | 48.3% | 53.7% | 53.6% | 28.4% | 47.1% | 52.8% | 48.1% | 28.5% | 42.3% | 41.4% |
| Margem EBITDA | 50.6% | 56.1% | 55.9% | 30.0% | 49.1% | 54.6% | 49.8% | 29.5% | 43.0% | 42.2% |
| Margem Líquida | 48.3% | 53.7% | 51.9% | 15.5% | 35.0% | 39.6% | 36.3% | 21.6% | 32.0% | 31.4% |
| Margem FCF | 49.0% | 49.4% | 55.3% | 30.3% | 45.1% | 50.5% | 48.3% | 35.4% | 35.6% | 30.2% |
| Taxa Efetiva de Imposto | -0.0% | 0.0% | 3.1% | 45.5% | 25.6% | 25.1% | 24.5% | 24.0% | 24.3% | 24.1% |
Dados por Ação (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| FCF por Ação | $1.67 | $2.15 | $3.23 | $1.58 | $2.64 | $3.25 | $4.28 | $5.00 | $5.38 | $4.32 |
| Dividendo por Ação | $0.69 | $0.96 | $6.82 | $0.10 | $0.83 | $0.44 | $0.47 | $0.68 | $0.85 | $0.98 |
| Ações em Circulação (Básicas) | $10.2M | $10.2M | $8.1M | $10.1M | $9.4M | $9.1M | $9.1M | $9.2M | $9.3M | $9.4M |
O que olhar em empresas de Financial Services
- Efficiency Ratio (≤55%) — Despesas operacionais / receita. Bancos top abaixo de 55%.
- ROA (≥1%) — Quanto ganham por cada euro de ativos. ROE engana em bancos pela alavancagem.
- ROTCE (≥12%) — Rentabilidade sobre Capital Tangível. Exclui goodwill e intangíveis.
- Capital / Ativos (proxy Tier 1) (≥8%) — Proxy do rácio de capital. FMP não expõe Tier 1 regulatório direto.
- P/B (1,0-1,5x) — Métrica clássica bancária. <1x pode ser oportunidade ou distress.
- Dividend yield sustentável (≥2%, <8%) — Bancos UE pagam 5-7% sem stress. >8% é sinal de distress.
Rentabilidade
| Retorno sobre patrimônio | 16.48% |
| Retorno sobre capital investido | 13.80% |
| Retorno sobre ativos | 2.19% |
| Margem bruta | 70.02% |
| Margem operacional | 41.46% |
| Margem líquida | 31.03% |
Saúde financeira
| Dívida / Patrimônio | 0.00 |
| Liquidez corrente | 324.44 |
Índices Chave (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| P/L | 11.57 | 8.16 | 4.33 | 23.41 | 6.93 | 8.98 | 7.85 | 8.85 | 9.48 | 8.99 |
| P/VP | 3.53 | 2.81 | 1.22 | 1.92 | 1.24 | 1.63 | 1.62 | 1.47 | 2.03 | 1.54 |
| P/V | 5.59 | 4.39 | 2.25 | 3.63 | 2.42 | 3.56 | 2.85 | 1.92 | 3.04 | 2.82 |
| Margem Bruta | 86.0% | 86.5% | 84.7% | 82.0% | 79.1% | 87.7% | 83.1% | 54.0% | 68.2% | 70.2% |
| Margem Operacional | 48.3% | 53.7% | 53.6% | 28.4% | 47.1% | 52.8% | 48.1% | 28.5% | 42.3% | 41.4% |
| Margem Líquida | 48.3% | 53.7% | 51.9% | 15.5% | 35.0% | 39.6% | 36.3% | 21.6% | 32.0% | 31.4% |