65.24 USD
-0.63 (-0.96%)
65.24 USD
0 (0%)
Taking everything into account, BANR scores 5 out of 10 in our fundamental rating. BANR was compared to 388 industry peers in the Banks industry. BANR has a medium profitability rating, but doesn't score so well on its financial health evaluation. BANR has a correct valuation and a medium growth rate.
1. Profitability
1.1 Basic Checks
In the past year BANR was profitable.
BANR had a positive operating cash flow in the past year.
In the past 5 years BANR has always been profitable.
Each year in the past 5 years BANR had a positive operating cash flow.
1.2 Ratios
The Return On Assets of BANR (1.15%) is better than 72.94% of its industry peers.
BANR has a Return On Equity of 9.94%. This is in the better half of the industry: BANR outperforms 63.14% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.15% | ||
| ROE | 9.94% | ||
| 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
With a decent Profit Margin value of 29.09%, BANR is doing good in the industry, outperforming 75.00% of the companies in the same industry.
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) | 29.09% | ||
| 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
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.
Compared to 5 years ago, BANR has less shares outstanding
BANR has a better debt/assets ratio than last year.
2.2 Solvency
BANR has a debt to FCF ratio of 0.61. This is a very positive value and a sign of high solvency as it would only need 0.61 years to pay back of all of its debts.
With a decent Debt to FCF ratio value of 0.61, BANR is doing good in the industry, outperforming 78.09% of the companies in the same industry.
A Debt/Equity ratio of 0.10 indicates that BANR is not too dependend on debt financing.
With a decent Debt to Equity ratio value of 0.10, BANR is doing good in the industry, outperforming 66.75% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.1 | ||
| Debt/FCF | 0.61 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC13.3%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an nice 14.85% over the past year.
BANR shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 3.10% yearly.
Looking at the last year, BANR shows a quite strong growth in Revenue. The Revenue has grown by 8.85% in the last year.
Measured over the past years, BANR shows a small growth in Revenue. The Revenue has been growing by 2.02% on average per year.
EPS 1Y (TTM)14.85%
EPS 3Y-5.43%
EPS 5Y3.1%
EPS Q2Q%18.46%
Revenue 1Y (TTM)8.85%
Revenue growth 3Y0.85%
Revenue growth 5Y2.02%
Sales Q2Q%10.55%
3.2 Future
BANR is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 12.62% yearly.
Based on estimates for the next years, BANR will show a quite strong growth in Revenue. The Revenue will grow by 8.35% on average per year.
EPS Next Y17.18%
EPS Next 2Y11.48%
EPS Next 3Y12.62%
EPS Next 5YN/A
Revenue Next Year9.49%
Revenue Next 2Y9.7%
Revenue Next 3Y8.35%
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 accelerating.
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.
4. Valuation
4.1 Price/Earnings Ratio
BANR is valuated reasonably with a Price/Earnings ratio of 11.88.
Based on the Price/Earnings ratio, BANR is valued a bit cheaper than 60.31% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 26.61, BANR is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 10.76, the valuation of BANR can be described as reasonable.
BANR's Price/Forward Earnings is on the same level as the industry average.
When comparing the Price/Forward Earnings ratio of BANR to the average of the S&P500 Index (24.01), we can say BANR is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.88 | ||
| Fwd PE | 10.76 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, BANR is valued cheaply inside the industry as 86.08% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 6.92 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
BANR's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
BANR's earnings are expected to grow with 12.62% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.69
PEG (5Y)3.84
EPS Next 2Y11.48%
EPS Next 3Y12.62%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 2.96%, BANR has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 2.74, BANR has a dividend in line with its industry peers.
BANR's Dividend Yield is rather good when compared to the S&P500 average which is at 1.87.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.96% |
5.2 History
The dividend of BANR has a limited annual growth rate of 4.18%.
BANR has been paying a dividend for at least 10 years, so it has a reliable track record.
BANR has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)4.18%
Div Incr Years0
Div Non Decr Years3
5.3 Sustainability
BANR pays out 35.45% of its income as dividend. This is a sustainable payout ratio.
BANR's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP35.45%
EPS Next 2Y11.48%
EPS Next 3Y12.62%
65.24
-0.63 (-0.96%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners94.38%
Inst Owner Change-1.13%
Ins Owners2.39%
Ins Owner Change0.06%
Market Cap2.22B
Revenue(TTM)653.63M
Net Income(TTM)190.13M
Analysts81.82
Price Target73.44 (12.57%)
Short Float %2.09%
Short Ratio3.21
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.96% |
Yearly Dividend1.94
Dividend Growth(5Y)4.18%
DP35.45%
Div Incr Years0
Div Non Decr Years3
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)2.78%
Min EPS beat(2)-2.26%
Max EPS beat(2)7.83%
EPS beat(4)3
Avg EPS beat(4)4.76%
Min EPS beat(4)-2.26%
Max EPS beat(4)8.93%
EPS beat(8)4
Avg EPS beat(8)2.01%
EPS beat(12)5
Avg EPS beat(12)-1.44%
EPS beat(16)8
Avg EPS beat(16)0.76%
Revenue beat(2)0
Avg Revenue beat(2)-3.52%
Min Revenue beat(2)-3.91%
Max Revenue beat(2)-3.14%
Revenue beat(4)1
Avg Revenue beat(4)-2.03%
Min Revenue beat(4)-3.91%
Max Revenue beat(4)0.2%
Revenue beat(8)1
Avg Revenue beat(8)-2.54%
Revenue beat(12)3
Avg Revenue beat(12)-1.48%
Revenue beat(16)7
Avg Revenue beat(16)3.19%
PT rev (1m)-0.55%
PT rev (3m)-1.91%
EPS NQ rev (1m)0.4%
EPS NQ rev (3m)2.45%
EPS NY rev (1m)0.09%
EPS NY rev (3m)3.38%
Revenue NQ rev (1m)-0.11%
Revenue NQ rev (3m)1.42%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.26%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.88 | ||
| Fwd PE | 10.76 | ||
| P/S | 3.4 | ||
| P/FCF | 6.92 | ||
| P/OCF | 6.71 | ||
| P/B | 1.16 | ||
| P/tB | 1.45 | ||
| EV/EBITDA | N/A |
EPS(TTM)5.49
EY8.42%
EPS(NY)6.06
Fwd EY9.3%
FCF(TTM)9.43
FCFY14.45%
OCF(TTM)9.72
OCFY14.91%
SpS19.17
BVpS56.11
TBVpS45.11
PEG (NY)0.69
PEG (5Y)3.84
Graham Number83.25
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.15% | ||
| ROE | 9.94% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 29.09% | ||
| GM | N/A | ||
| FCFM | 49.16% |
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
ROICexgc growth 3YN/A
ROICexgc 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-Score8
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.1 | ||
| Debt/FCF | 0.61 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 55.59% | ||
| Cap/Sales | 1.56% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 168.99% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score8
WACC13.3%
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)14.85%
EPS 3Y-5.43%
EPS 5Y3.1%
EPS Q2Q%18.46%
EPS Next Y17.18%
EPS Next 2Y11.48%
EPS Next 3Y12.62%
EPS Next 5YN/A
Revenue 1Y (TTM)8.85%
Revenue growth 3Y0.85%
Revenue growth 5Y2.02%
Sales Q2Q%10.55%
Revenue Next Year9.49%
Revenue Next 2Y9.7%
Revenue Next 3Y8.35%
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 1Y25.41%
FCF growth 3Y-1.35%
FCF growth 5Y17.61%
OCF growth 1Y22.65%
OCF growth 3Y-0.94%
OCF growth 5Y14.51%
BANNER CORPORATION / BANR FAQ
Can you provide the ChartMill fundamental rating for BANNER CORPORATION?
ChartMill assigns a fundamental rating of 5 / 10 to BANR.
What is the valuation status for BANR stock?
ChartMill assigns a valuation rating of 6 / 10 to BANNER CORPORATION (BANR). This can be considered as Fairly Valued.
How profitable is BANNER CORPORATION (BANR) stock?
BANNER CORPORATION (BANR) has a profitability rating of 4 / 10.
Can you provide the expected EPS growth for BANR stock?
The Earnings per Share (EPS) of BANNER CORPORATION (BANR) is expected to grow by 17.18% in the next year.
Can you provide the dividend sustainability for BANR stock?
The dividend rating of BANNER CORPORATION (BANR) is 6 / 10 and the dividend payout ratio is 35.45%.