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BANNER CORPORATION (BANR) Stock Fundamental Analysis

NASDAQ:BANR - Nasdaq - US06652V2088 - Common Stock - Currency: USD

61.52  -0.82 (-1.32%)

After market: 61.52 0 (0%)

Fundamental Rating

4

Overall BANR gets a fundamental rating of 4 out of 10. We evaluated BANR against 395 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 decent growth rate and is not valued too expensively.


Dividend Valuation Growth Profitability Health

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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.
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.
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 2024 0 100M 200M 300M

1.2 Ratios

BANR has a better Return On Assets (1.09%) than 72.47% of its industry peers.
BANR has a Return On Equity of 9.63%. This is in the better half of the industry: BANR outperforms 63.38% of its industry peers.
Industry RankSector Rank
ROA 1.09%
ROE 9.63%
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
BANR Yearly ROA, ROE, ROICBANR Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

The Profit Margin of BANR (28.27%) is better than 76.26% of its industry peers.
BANR's Profit Margin has been stable 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) 28.27%
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
BANR Yearly Profit, Operating, Gross MarginsBANR Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 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.
Compared to 1 year ago, BANR has more shares outstanding
Compared to 5 years ago, BANR has less shares outstanding
The debt/assets ratio for BANR has been reduced compared to a year ago.
BANR Yearly Shares OutstandingBANR Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 2024 5B 10B 15B

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.
With a decent Debt to FCF ratio value of 0.98, BANR is doing good in the industry, outperforming 73.48% 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 in line with its industry peers.
Industry RankSector Rank
Debt/Equity 0.15
Debt/FCF 0.98
Altman-Z N/A
ROIC/WACCN/A
WACC13.88%
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 2024 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 2024 100M 200M 300M 400M

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5

3. Growth

3.1 Past

The Earnings Per Share has been growing slightly by 5.82% 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.
BANR shows a small growth in Revenue. In the last year, the Revenue has grown by 3.62%.
BANR shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 2.02% yearly.
EPS 1Y (TTM)5.82%
EPS 3Y-5.43%
EPS 5Y3.1%
EPS Q2Q%19.27%
Revenue 1Y (TTM)3.62%
Revenue growth 3Y0.85%
Revenue growth 5Y2.02%
Sales Q2Q%6.48%

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 9.64% yearly.
BANR is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 10.33% yearly.
EPS Next Y12.45%
EPS Next 2Y9.64%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year15.5%
Revenue Next 2Y10.33%
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.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
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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5

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 12.09, which indicates a correct valuation of BANR.
Compared to the rest of the industry, the Price/Earnings ratio of BANR is on the same level as its industry peers.
The average S&P500 Price/Earnings ratio is at 26.32. BANR is valued rather cheaply when compared to this.
BANR is valuated reasonably with a Price/Forward Earnings ratio of 10.49.
Based on the Price/Forward Earnings ratio, BANR is valued a bit more expensive than 60.86% of the companies in the same industry.
BANR's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.13.
Industry RankSector Rank
PE 12.09
Fwd PE 10.49
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

Compared to the rest of the industry, the Price/Free Cash Flow ratio of BANR indicates a rather cheap valuation: BANR is cheaper than 81.06% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 7.44
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

BANR's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.97
PEG (5Y)3.9
EPS Next 2Y9.64%
EPS Next 3YN/A

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6

5. Dividend

5.1 Amount

BANR has a Yearly Dividend Yield of 3.08%.
Compared to an average industry Dividend Yield of 3.46, BANR has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 2.40, BANR pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 3.08%

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
BANR Yearly Dividends per shareBANR Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.5 1 1.5 2 2.5

5.3 Sustainability

BANR pays out 37.87% of its income as dividend. This is a sustainable payout ratio.
The dividend of BANR is growing, but earnings are growing more, so the dividend growth is sustainable.
DP37.87%
EPS Next 2Y9.64%
EPS Next 3YN/A
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 2024 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 (6/13/2025, 8:00:01 PM)

After market: 61.52 0 (0%)

61.52

-0.82 (-1.32%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-16 2025-04-16/amc
Earnings (Next)07-15 2025-07-15/amc
Inst Owners93.63%
Inst Owner Change1.39%
Ins Owners2.34%
Ins Owner Change7.74%
Market Cap2.13B
Analysts81.67
Price Target71.4 (16.06%)
Short Float %3.04%
Short Ratio4.64
Dividend
Industry RankSector Rank
Dividend Yield 3.08%
Yearly Dividend1.94
Dividend Growth(5Y)4.18%
DP37.87%
Div Incr Years0
Div Non Decr Years3
Ex-Date04-29 2025-04-29 (0.48)
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)6.74%
Min EPS beat(2)4.55%
Max EPS beat(2)8.93%
EPS beat(4)3
Avg EPS beat(4)5.62%
Min EPS beat(4)-0.62%
Max EPS beat(4)9.62%
EPS beat(8)3
Avg EPS beat(8)-2.52%
EPS beat(12)5
Avg EPS beat(12)-2.31%
EPS beat(16)9
Avg EPS beat(16)4.17%
Revenue beat(2)1
Avg Revenue beat(2)-0.54%
Min Revenue beat(2)-1.28%
Max Revenue beat(2)0.2%
Revenue beat(4)1
Avg Revenue beat(4)-1.48%
Min Revenue beat(4)-2.83%
Max Revenue beat(4)0.2%
Revenue beat(8)1
Avg Revenue beat(8)-2.93%
Revenue beat(12)5
Avg Revenue beat(12)2.36%
Revenue beat(16)9
Avg Revenue beat(16)6.39%
PT rev (1m)0%
PT rev (3m)-9.87%
EPS NQ rev (1m)0.67%
EPS NQ rev (3m)3.93%
EPS NY rev (1m)0%
EPS NY rev (3m)3.95%
Revenue NQ rev (1m)-1.1%
Revenue NQ rev (3m)4.32%
Revenue NY rev (1m)0%
Revenue NY rev (3m)5.06%
Valuation
Industry RankSector Rank
PE 12.09
Fwd PE 10.49
P/S 3.41
P/FCF 7.44
P/OCF 7.12
P/B 1.16
P/tB 1.46
EV/EBITDA N/A
EPS(TTM)5.09
EY8.27%
EPS(NY)5.87
Fwd EY9.53%
FCF(TTM)8.26
FCFY13.43%
OCF(TTM)8.65
OCFY14.05%
SpS18.05
BVpS53.02
TBVpS42.16
PEG (NY)0.97
PEG (5Y)3.9
Profitability
Industry RankSector Rank
ROA 1.09%
ROE 9.63%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 28.27%
GM N/A
FCFM 45.78%
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-Score7
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.15
Debt/FCF 0.98
Debt/EBITDA N/A
Cap/Depr 65.35%
Cap/Sales 2.11%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 161.94%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC13.88%
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)5.82%
EPS 3Y-5.43%
EPS 5Y3.1%
EPS Q2Q%19.27%
EPS Next Y12.45%
EPS Next 2Y9.64%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)3.62%
Revenue growth 3Y0.85%
Revenue growth 5Y2.02%
Sales Q2Q%6.48%
Revenue Next Year15.5%
Revenue Next 2Y10.33%
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 1Y14.91%
FCF growth 3Y-1.35%
FCF growth 5Y17.61%
OCF growth 1Y14.06%
OCF growth 3Y-0.94%
OCF growth 5Y14.51%