BANNER CORPORATION(NASDAQ:BANR) stock Fundamental Analysis

Fundamental Rating

Taking everything into account, BANR scores 4 out of 10 in our fundamental rating. BANR was compared to 402 industry peers in the Banks industry. There are concerns on the financial health of BANR while its profitability can be described as average. BANR has a correct valuation and a medium growth rate.

Quickly go to:

1. Profitability

1.1 Basic Checks

BANR had positive earnings in the past year.

In the past year BANR had a positive cash flow from operations.

BANR had positive earnings in each of the past 5 years.

BANR had a positive operating cash flow in each of the past 5 years.

1.2 Ratios

BANR has a better Return On Assets (1.04%) than 71.53% of its industry peers.

BANR's Return On Equity of 9.52% is fine compared to the rest of the industry. BANR outperforms 62.87% of its industry peers.

		Industry Rank	Sector Rank
ROA	1.04%
ROE	9.52%
ROIC	N/A

ROA(3y)1.15%

ROA(5y)1.08%

ROE(3y)11.35%

ROE(5y)10.58%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

BANR has a better Profit Margin (27.75%) than 75.00% of its industry peers.

In the last couple of years the Profit Margin of BANR has remained more or less at the same level.

BANR does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	27.75%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-6.43%

PM growth 5Y0.88%

GM growth 3YN/A

GM growth 5YN/A

More info and screens

ROA

ROE

ROIC

Operating and Profit Margin

Show most profitable peers

2. Health

2.1 Basic Checks

BANR does not have a ROIC to compare to the WACC, probably because it is not profitable.

BANR has more shares outstanding than it did 1 year ago.

BANR has less shares outstanding than it did 5 years ago.

The debt/assets ratio for BANR has been reduced compared to a year ago.

2.2 Solvency

BANR has a debt to FCF ratio of 0.98. This is a very positive value and a sign of high solvency as it would only need 0.98 years to pay back of all of its debts.

Looking at the Debt to FCF ratio, with a value of 0.98, BANR is in the better half of the industry, outperforming 77.48% of the companies in the same industry.

A Debt/Equity ratio of 0.15 indicates that BANR is not too dependend on debt financing.

BANR has a Debt to Equity ratio (0.15) which is comparable to the rest of the industry.

		Industry Rank	Sector Rank
Debt/Equity	0.15
Debt/FCF	0.98
Altman-Z	N/A

ROIC/WACCN/A

WACC10.39%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

More info and screens

WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

Show peers with great health

3. Growth

3.1 Past

The earnings per share for BANR have decreased by -8.44% in the last year.

BANR shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 3.10% yearly.

BANR shows a decrease in Revenue. In the last year, the revenue decreased by -1.91%.

BANR shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 2.02% yearly.

EPS 1Y (TTM)-8.44%

EPS 3Y-5.43%

EPS 5Y3.1%

EPS Q2Q%8.06%

Revenue 1Y (TTM)-1.91%

Revenue growth 3Y0.85%

Revenue growth 5Y2.02%

Sales Q2Q%1.54%

3.2 Future

The Earnings Per Share is expected to grow by 8.54% on average over the next years. This is quite good.

Based on estimates for the next years, BANR will show a quite strong growth in Revenue. The Revenue will grow by 8.13% on average per year.

EPS Next Y8.18%

EPS Next 2Y8.54%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year9.94%

Revenue Next 2Y8.13%

Revenue Next 3YN/A

Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.

When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.

More info and screens

Find the best growth stocks

Show best growing peers

4. Valuation

4.1 Price/Earnings Ratio

BANR is valuated correctly with a Price/Earnings ratio of 13.10.

BANR's Price/Earnings ratio is in line with the industry average.

The average S&P500 Price/Earnings ratio is at 29.35. BANR is valued rather cheaply when compared to this.

Based on the Price/Forward Earnings ratio of 12.11, the valuation of BANR can be described as correct.

Compared to the rest of the industry, the Price/Forward Earnings ratio of BANR is on the same level as its industry peers.

BANR's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 22.10.

		Industry Rank	Sector Rank
PE	13.1
Fwd PE	12.11

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, BANR is valued cheaply inside the industry as 81.19% of the companies are valued more expensively.

		Industry Rank	Sector Rank
P/FCF	7.88
EV/EBITDA	N/A

4.3 Compensation for Growth

The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.

PEG (NY)1.6

PEG (5Y)4.23

EPS Next 2Y8.54%

EPS Next 3YN/A

More info and screens

Show best valued peers

5. Dividend

5.1 Amount

BANR has a Yearly Dividend Yield of 3.00%.

Compared to an average industry Dividend Yield of 3.37, BANR has a dividend in line with its industry peers.

Compared to an average S&P500 Dividend Yield of 2.33, BANR pays a bit more dividend than the S&P500 average.

		Industry Rank	Sector Rank
Dividend Yield	3%

5.2 History

The dividend of BANR has a limited annual growth rate of 4.18%.

BANR has paid a dividend for at least 10 years, which is a reliable track record.

BANR has not decreased its dividend in the last 3 years.

Dividend Growth(5Y)4.18%

Div Incr Years2

Div Non Decr Years3

5.3 Sustainability

39.51% of the earnings are spent on dividend by BANR. This is a low number and sustainable payout ratio.

BANR's earnings are growing more than its dividend. This makes the dividend growth sustainable.

DP39.51%

EPS Next 2Y8.54%

EPS Next 3YN/A

More info and screens

Find the best dividend stocks

Show peers with best dividend

BANNER CORPORATION

NASDAQ:BANR (3/7/2025, 8:06:41 PM)

After market: 63.92 0 (0%)

63.92

-0.08 (-0.12%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)01-22 2025-01-22/amc

Earnings (Next)04-15 2025-04-15/amc

Inst Owners94.48%

Inst Owner Change1.49%

Ins Owners2.12%

Ins Owner Change0.18%

Market Cap2.20B

Analysts78.33

Price Target79.22 (23.94%)

Short Float %2.7%

Short Ratio4.1

Dividend

		Industry Rank	Sector Rank
Dividend Yield	3%

Yearly Dividend1.94

Dividend Growth(5Y)4.18%

DP39.51%

Div Incr Years2

Div Non Decr Years3

Ex-Date02-04 2025-02-04 (0.48)

Surprises & Revisions

EPS beat(2)2

Avg EPS beat(2)9.28%

Min EPS beat(2)8.93%

Max EPS beat(2)9.62%

EPS beat(4)2

Avg EPS beat(4)3.14%

Min EPS beat(4)-5.38%

Max EPS beat(4)9.62%

EPS beat(8)3

Avg EPS beat(8)-3.09%

EPS beat(12)5

Avg EPS beat(12)-1.55%

EPS beat(16)9

Avg EPS beat(16)5.64%

Revenue beat(2)1

Avg Revenue beat(2)-0.91%

Min Revenue beat(2)-2.01%

Max Revenue beat(2)0.2%

Revenue beat(4)1

Avg Revenue beat(4)-2.16%

Min Revenue beat(4)-3.99%

Max Revenue beat(4)0.2%

Revenue beat(8)2

Avg Revenue beat(8)-2.42%

Revenue beat(12)6

Avg Revenue beat(12)3.64%

Revenue beat(16)10

Avg Revenue beat(16)6.87%

PT rev (1m)1.3%

PT rev (3m)10.69%

EPS NQ rev (1m)-1.09%

EPS NQ rev (3m)5.95%

EPS NY rev (1m)0.1%

EPS NY rev (3m)5.42%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)6.03%

Revenue NY rev (1m)0%

Revenue NY rev (3m)5.7%

Valuation

		Industry Rank	Sector Rank
PE	13.1
Fwd PE	12.11
P/S	3.62
P/FCF	7.88
P/OCF	7.51
P/B	1.24
P/tB	1.58
EV/EBITDA	N/A

EPS(TTM)4.88

EY7.63%

EPS(NY)5.28

Fwd EY8.26%

FCF(TTM)8.11

FCFY12.69%

OCF(TTM)8.51

OCFY13.31%

SpS17.66

BVpS51.49

TBVpS40.57

PEG (NY)1.6

PEG (5Y)4.23

Profitability

		Industry Rank	Sector Rank
ROA	1.04%
ROE	9.52%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	27.75%
GM	N/A
FCFM	45.91%

ROA(3y)1.15%

ROA(5y)1.08%

ROE(3y)11.35%

ROE(5y)10.58%

ROIC(3y)N/A

ROIC(5y)N/A

ROICexc(3y)N/A

ROICexc(5y)N/A

ROICexgc(3y)N/A

ROICexgc(5y)N/A

ROCE(3y)N/A

ROCE(5y)N/A

ROICexcg growth 3YN/A

ROICexcg growth 5YN/A

ROICexc growth 3YN/A

ROICexc growth 5YN/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-6.43%

PM growth 5Y0.88%

GM growth 3YN/A

GM growth 5YN/A

F-Score5

Asset Turnover0.04

Health

		Industry Rank	Sector Rank
Debt/Equity	0.15
Debt/FCF	0.98
Debt/EBITDA	N/A
Cap/Depr	66.4%
Cap/Sales	2.26%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	165.45%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score5

WACC10.39%

ROIC/WACCN/A

Cap/Depr(3y)66.79%

Cap/Depr(5y)58.78%

Cap/Sales(3y)2.32%

Cap/Sales(5y)2.19%

Profit Quality(3y)137.29%

Profit Quality(5y)130.77%

High Growth Momentum

Growth

EPS 1Y (TTM)-8.44%

EPS 3Y-5.43%

EPS 5Y3.1%

EPS Q2Q%8.06%

EPS Next Y8.18%

EPS Next 2Y8.54%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)-1.91%

Revenue growth 3Y0.85%

Revenue growth 5Y2.02%

Sales Q2Q%1.54%

Revenue Next Year9.94%

Revenue Next 2Y8.13%

Revenue Next 3YN/A

Revenue Next 5YN/A

EBIT growth 1YN/A

EBIT growth 3YN/A

EBIT growth 5YN/A

EBIT Next YearN/A

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y15.21%

FCF growth 3Y-1.35%

FCF growth 5Y17.61%

OCF growth 1Y13.99%

OCF growth 3Y-0.94%

OCF growth 5Y14.51%

BANNER CORPORATION (BANR) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens