BANNER CORPORATION (BANR)

US06652V2088 - Common Stock

57.2  -1.04 (-1.79%)

After market: 57.2 0 (0%)

Fundamental Rating

3

BANR gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 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 valuation in line with the averages, but it does not seem to be growing.



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4

1. Profitability

1.1 Basic Checks

In the past year BANR was profitable.
BANR had a positive operating cash flow in the past year.
Each year in the past 5 years BANR has been profitable.
BANR had a positive operating cash flow in each of the past 5 years.

1.2 Ratios

BANR has a better Return On Assets (1.05%) than 73.63% of its industry peers.
With a decent Return On Equity value of 9.81%, BANR is doing good in the industry, outperforming 65.17% of the companies in the same industry.
Industry RankSector Rank
ROA 1.05%
ROE 9.81%
ROIC N/A
ROA(3y)1.2%
ROA(5y)1.11%
ROE(3y)12.14%
ROE(5y)10.51%
ROIC(3y)N/A
ROIC(5y)N/A

1.3 Margins

Looking at the Profit Margin, with a value of 27.59%, BANR is in the better half of the industry, outperforming 74.13% of the companies in the same industry.
In the last couple of years the Profit Margin of BANR has grown nicely.
BANR does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 27.59%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y13.98%
PM growth 5Y2.23%
GM growth 3YN/A
GM growth 5YN/A

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3

2. Health

2.1 Basic Checks

BANR does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for BANR has been increased compared to 1 year ago.
BANR has less shares outstanding than it did 5 years ago.
Compared to 1 year ago, BANR has an improved debt to assets ratio.

2.2 Solvency

The Debt to FCF ratio of BANR is 1.27, which is an excellent value as it means it would take BANR, only 1.27 years of fcf income to pay off all of its debts.
The Debt to FCF ratio of BANR (1.27) is better than 72.39% of its industry peers.
A Debt/Equity ratio of 0.19 indicates that BANR is not too dependend on debt financing.
BANR has a Debt to Equity ratio (0.19) which is in line with its industry peers.
Industry RankSector Rank
Debt/Equity 0.19
Debt/FCF 1.27
Altman-Z N/A
ROIC/WACCN/A
WACC10.06%

2.3 Liquidity

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

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2

3. Growth

3.1 Past

BANR shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -16.64%.
BANR shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 5.39% yearly.
Looking at the last year, BANR shows a decrease in Revenue. The Revenue has decreased by -7.17% in the last year.
The Revenue has been growing slightly by 3.79% on average over the past years.
EPS 1Y (TTM)-16.64%
EPS 3Y17.57%
EPS 5Y5.39%
EPS Q2Q%0%
Revenue 1Y (TTM)-7.17%
Revenue growth 3Y2.28%
Revenue growth 5Y3.79%
Sales Q2Q%-7%

3.2 Future

BANR is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -2.98% yearly.
BANR is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 0.02% yearly.
EPS Next Y-12.24%
EPS Next 2Y-2.98%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-4.96%
Revenue Next 2Y0.02%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

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

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4

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 11.89 indicates a reasonable valuation of BANR.
BANR's Price/Earnings ratio is in line with the industry average.
When comparing the Price/Earnings ratio of BANR to the average of the S&P500 Index (29.62), we can say BANR is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 11.40, the valuation of BANR can be described as reasonable.
BANR's Price/Forward Earnings ratio is in line with the industry average.
Compared to an average S&P500 Price/Forward Earnings ratio of 21.22, BANR is valued a bit cheaper.
Industry RankSector Rank
PE 11.89
Fwd PE 11.4

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, BANR is valued a bit cheaper than 76.62% of the companies in the same industry.
Industry RankSector Rank
P/FCF 7.77
EV/EBITDA N/A

4.3 Compensation for Growth

A cheap valuation may be justified as BANR's earnings are expected to decrease with -2.98% in the coming years.
PEG (NY)N/A
PEG (5Y)2.21
EPS Next 2Y-2.98%
EPS Next 3YN/A

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4

5. Dividend

5.1 Amount

BANR has a Yearly Dividend Yield of 3.30%.
BANR's Dividend Yield is comparable with the industry average which is at 3.35.
Compared to an average S&P500 Dividend Yield of 2.26, BANR pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 3.3%

5.2 History

The dividend of BANR has a limited annual growth rate of 2.30%.
BANR has paid a dividend for at least 10 years, which is a reliable track record.
The dividend of BANR decreased in the last 3 years.
Dividend Growth(5Y)2.3%
Div Incr Years2
Div Non Decr Years2

5.3 Sustainability

40.14% of the earnings are spent on dividend by BANR. This is a bit on the high side, but may be sustainable.
DP40.14%
EPS Next 2Y-2.98%
EPS Next 3YN/A

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BANNER CORPORATION

NASDAQ:BANR (9/6/2024, 8:01:08 PM)

After market: 57.2 0 (0%)

57.2

-1.04 (-1.79%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap1.97B
Analysts
Price Target
Dividend
Industry RankSector Rank
Dividend Yield 3.3%
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
Industry RankSector Rank
PE 11.89
Fwd PE 11.4
P/S
P/FCF
P/OCF
P/B
P/tB
EV/EBITDA
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)2.21
Profitability
Industry RankSector Rank
ROA 1.05%
ROE 9.81%
ROCE
ROIC
ROICexc
ROICexgc
OM N/A
PM (TTM) 27.59%
GM N/A
FCFM
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.19
Debt/FCF
Debt/EBITDA
Cap/Depr
Cap/Sales
Interest Coverage
Cash Conversion
Profit Quality
Current Ratio N/A
Quick Ratio N/A
Altman-Z
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
High Growth Momentum
Growth
EPS 1Y (TTM)-16.64%
EPS 3Y17.57%
EPS 5Y
EPS Q2Q%
EPS Next Y-12.24%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)-7.17%
Revenue growth 3Y2.28%
Revenue growth 5Y
Sales Q2Q%
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y