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BANNER CORPORATION (BANR) Stock Fundamental Analysis

NASDAQ:BANR - Nasdaq - US06652V2088 - Common Stock

69.325  -1.34 (-1.9%)

Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to BANR. BANR was compared to 405 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 expensive valuation and it also scores bad on growth.


Dividend Valuation Growth Profitability Health

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4

1. Profitability

1.1 Basic Checks

In the past year BANR was profitable.
In the past year BANR had a positive cash flow from operations.
BANR had positive earnings in each of the past 5 years.
Each year in the past 5 years BANR had a positive operating cash flow.
BANR Yearly Net Income VS EBIT VS OCF VS FCFBANR Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 100M 200M 300M

1.2 Ratios

The Return On Assets of BANR (1.02%) is better than 71.86% of its industry peers.
BANR's Return On Equity of 9.21% is fine compared to the rest of the industry. BANR outperforms 62.81% of its industry peers.
Industry RankSector Rank
ROA 1.02%
ROE 9.21%
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
BANR Yearly ROA, ROE, ROICBANR Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2 4 6 8 10

1.3 Margins

BANR has a Profit Margin of 27.50%. This is in the better half of the industry: BANR outperforms 75.13% of its industry peers.
BANR's Profit Margin has improved in the last couple of years.
The Operating Margin and Gross Margin are not available for BANR so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 27.5%
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
BANR Yearly Profit, Operating, Gross MarginsBANR Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 10 20 30

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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.
BANR has a better debt/assets ratio than last year.
BANR Yearly Shares OutstandingBANR Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 10M 20M 30M
BANR Yearly Total Debt VS Total AssetsBANR Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 5B 10B 15B

2.2 Solvency

BANR has a debt to FCF ratio of 1.21. This is a very positive value and a sign of high solvency as it would only need 1.21 years to pay back of all of its debts.
The Debt to FCF ratio of BANR (1.21) is better than 73.12% of its industry peers.
BANR has a Debt/Equity ratio of 0.17. This is a healthy value indicating a solid balance between debt and equity.
The Debt to Equity ratio of BANR (0.17) is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 0.17
Debt/FCF 1.21
Altman-Z N/A
ROIC/WACCN/A
WACC10.51%
BANR Yearly LT Debt VS Equity VS FCFBANR Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 500M 1B 1.5B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
BANR Yearly Current Assets VS Current LiabilitesBANR Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 100M 200M 300M 400M

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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 -15.70%.
BANR shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 5.39% yearly.
The Revenue has decreased by -6.20% in the past year.
Measured over the past years, BANR shows a small growth in Revenue. The Revenue has been growing by 3.79% on average per year.
EPS 1Y (TTM)-15.7%
EPS 3Y17.57%
EPS 5Y5.39%
EPS Q2Q%-2.26%
Revenue 1Y (TTM)-6.2%
Revenue growth 3Y2.28%
Revenue growth 5Y3.79%
Sales Q2Q%-4.3%

3.2 Future

Based on estimates for the next years, BANR will show a small growth in Earnings Per Share. The EPS will grow by 2.45% on average per year.
BANR is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 1.34% yearly.
EPS Next Y-9.04%
EPS Next 2Y-3%
EPS Next 3Y2.45%
EPS Next 5YN/A
Revenue Next Year-6.73%
Revenue Next 2Y-1.46%
Revenue Next 3Y1.34%
Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is decreasing: in the next years the growth will be less 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 decreasing.
BANR Yearly Revenue VS EstimatesBANR Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 200M 400M 600M
BANR Yearly EPS VS EstimatesBANR Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 1 2 3 4 5

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3

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 14.50, BANR is valued correctly.
Compared to the rest of the industry, the Price/Earnings ratio of BANR indicates a slightly more expensive valuation: BANR is more expensive than 61.06% of the companies listed in the same industry.
BANR's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 28.29.
The Price/Forward Earnings ratio is 13.82, which indicates a correct valuation of BANR.
Based on the Price/Forward Earnings ratio, BANR is valued a bit more expensive than the industry average as 64.57% of the companies are valued more cheaply.
BANR's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 24.44.
Industry RankSector Rank
PE 14.5
Fwd PE 13.82
BANR Price Earnings VS Forward Price EarningsBANR Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

70.60% of the companies in the same industry are more expensive than BANR, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 9.61
EV/EBITDA N/A
BANR Per share dataBANR EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30 40 50

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)2.69
EPS Next 2Y-3%
EPS Next 3Y2.45%

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5

5. Dividend

5.1 Amount

BANR has a Yearly Dividend Yield of 2.75%.
BANR's Dividend Yield is comparable with the industry average which is at 3.22.
Compared to an average S&P500 Dividend Yield of 2.28, BANR pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 2.75%

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.
BANR has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)2.3%
Div Incr Years2
Div Non Decr Years3
BANR Yearly Dividends per shareBANR Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0.5 1 1.5 2 2.5

5.3 Sustainability

BANR pays out 40.35% of its income as dividend. This is a bit on the high side, but may be sustainable.
The dividend of BANR is growing around the same rate as the earnings are growing. If this keeps up the dividend growth is sustainable.
DP40.35%
EPS Next 2Y-3%
EPS Next 3Y2.45%
BANR Yearly Income VS Free CF VS DividendBANR Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 100M 200M 300M
BANR Dividend Payout.BANR Dividend Payout, showing the Payout Ratio.BANR Dividend Payout.PayoutRetained Earnings

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BANNER CORPORATION

NASDAQ:BANR (1/22/2025, 11:40:48 AM)

69.325

-1.34 (-1.9%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-16 2024-10-16/amc
Earnings (Next)01-22 2025-01-22/amc
Inst Owners90.25%
Inst Owner Change-0.48%
Ins Owners2.11%
Ins Owner Change0.24%
Market Cap2.39B
Analysts78.33
Price Target74.8 (7.9%)
Short Float %2.99%
Short Ratio4.47
Dividend
Industry RankSector Rank
Dividend Yield 2.75%
Yearly Dividend1.95
Dividend Growth(5Y)2.3%
DP40.35%
Div Incr Years2
Div Non Decr Years3
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)4.5%
Min EPS beat(2)-0.62%
Max EPS beat(2)9.62%
EPS beat(4)1
Avg EPS beat(4)-0.75%
Min EPS beat(4)-6.61%
Max EPS beat(4)9.62%
EPS beat(8)2
Avg EPS beat(8)-4.54%
EPS beat(12)5
Avg EPS beat(12)-0.57%
EPS beat(16)9
Avg EPS beat(16)6.13%
Revenue beat(2)0
Avg Revenue beat(2)-2.42%
Min Revenue beat(2)-2.83%
Max Revenue beat(2)-2.01%
Revenue beat(4)0
Avg Revenue beat(4)-3.05%
Min Revenue beat(4)-3.99%
Max Revenue beat(4)-2.01%
Revenue beat(8)2
Avg Revenue beat(8)-1.2%
Revenue beat(12)6
Avg Revenue beat(12)4.93%
Revenue beat(16)10
Avg Revenue beat(16)7.9%
PT rev (1m)4.51%
PT rev (3m)18.6%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0.78%
EPS NY rev (1m)0%
EPS NY rev (3m)3.65%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-1.76%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-1.86%
Valuation
Industry RankSector Rank
PE 14.5
Fwd PE 13.82
P/S 3.98
P/FCF 9.61
P/OCF 9.14
P/B 1.33
P/tB 1.69
EV/EBITDA N/A
EPS(TTM)4.78
EY6.9%
EPS(NY)5.01
Fwd EY7.23%
FCF(TTM)7.21
FCFY10.4%
OCF(TTM)7.59
OCFY10.95%
SpS17.43
BVpS52.05
TBVpS41.12
PEG (NY)N/A
PEG (5Y)2.69
Profitability
Industry RankSector Rank
ROA 1.02%
ROE 9.21%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 27.5%
GM N/A
FCFM 41.38%
ROA(3y)1.2%
ROA(5y)1.11%
ROE(3y)12.14%
ROE(5y)10.51%
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 3Y13.98%
PM growth 5Y2.23%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.17
Debt/FCF 1.21
Debt/EBITDA N/A
Cap/Depr 61.69%
Cap/Sales 2.17%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 150.49%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC10.51%
ROIC/WACCN/A
Cap/Depr(3y)59.3%
Cap/Depr(5y)64.87%
Cap/Sales(3y)2.16%
Cap/Sales(5y)2.63%
Profit Quality(3y)130.42%
Profit Quality(5y)114.66%
High Growth Momentum
Growth
EPS 1Y (TTM)-15.7%
EPS 3Y17.57%
EPS 5Y5.39%
EPS Q2Q%-2.26%
EPS Next Y-9.04%
EPS Next 2Y-3%
EPS Next 3Y2.45%
EPS Next 5YN/A
Revenue 1Y (TTM)-6.2%
Revenue growth 3Y2.28%
Revenue growth 5Y3.79%
Sales Q2Q%-4.3%
Revenue Next Year-6.73%
Revenue Next 2Y-1.46%
Revenue Next 3Y1.34%
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 1Y119.91%
FCF growth 3Y29.15%
FCF growth 5Y99.37%
OCF growth 1Y102.25%
OCF growth 3Y27.05%
OCF growth 5Y52.88%