BANNER CORPORATION (BANR) Stock Fundamental Analysis
NASDAQ:BANR - Nasdaq - US06652V2088 - Common Stock - Currency: USD
Taking everything into account, BANR scores 4 out of 10 in our fundamental rating. BANR was compared to 395 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 decent growth rate and is not valued too expensively.
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.
In the past 5 years BANR always reported a positive cash flow from operatings.
1.2 Ratios
BANR has a Return On Assets of 1.09%. This is in the better half of the industry: BANR outperforms 72.41% of its industry peers.
BANR's Return On Equity of 9.63% is fine compared to the rest of the industry. BANR outperforms 63.54% of its industry peers.
| Industry Rank | Sector 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
1.3 Margins
BANR has a better Profit Margin (28.27%) than 76.20% of its industry peers.
BANR's Profit Margin has been stable in the last couple of years.
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) | 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
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.
The number of shares outstanding for BANR has been reduced compared to 5 years ago.
BANR has a better debt/assets ratio than last year.
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 73.67% 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 of 0.15. This is comparable to the rest of the industry: BANR outperforms 55.70% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.15 | ||
| Debt/FCF | 0.98 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC13.69%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
BANR shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 5.82%.
BANR shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 3.10% yearly.
The Revenue has been growing slightly by 3.62% in the past 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)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
Based on estimates for the next years, BANR will show a quite strong growth in Earnings Per Share. The EPS will grow by 10.17% on average per year.
BANR is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 9.02% yearly.
EPS Next Y13.54%
EPS Next 2Y10.17%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year12.79%
Revenue Next 2Y9.02%
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.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 13.30 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.
BANR's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.28.
With a Price/Forward Earnings ratio of 11.43, the valuation of BANR can be described as very reasonable.
61.52% of the companies in the same industry are cheaper than BANR, based on the Price/Forward Earnings ratio.
When comparing the Price/Forward Earnings ratio of BANR to the average of the S&P500 Index (21.76), we can say BANR is valued slightly cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.3 | ||
| Fwd PE | 11.43 |
4.2 Price Multiples
BANR's Price/Free Cash Flow ratio is rather cheap when compared to the industry. BANR is cheaper than 81.52% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 8.19 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.98
PEG (5Y)4.3
EPS Next 2Y10.17%
EPS Next 3YN/A
5. Dividend
5.1 Amount
BANR has a Yearly Dividend Yield of 2.98%. Purely for dividend investing, there may be better candidates out there.
BANR's Dividend Yield is comparable with the industry average which is at 3.47.
BANR's Dividend Yield is a higher than the S&P500 average which is at 2.42.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.98% |
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
37.87% 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.
DP37.87%
EPS Next 2Y10.17%
EPS Next 3YN/A
67.71
+1.07 (+1.61%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners93.63%
Inst Owner Change1.39%
Ins Owners2.34%
Ins Owner Change7.66%
Market Cap2.34B
Analysts81.67
Price Target71.4 (5.45%)
Short Float %2.73%
Short Ratio4.69
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.98% |
Yearly Dividend1.94
Dividend Growth(5Y)4.18%
DP37.87%
Div Incr Years0
Div Non Decr Years3
Ex-Date
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)0.97%
EPS NY rev (3m)4.95%
Revenue NQ rev (1m)-1.1%
Revenue NQ rev (3m)4.32%
Revenue NY rev (1m)-2.35%
Revenue NY rev (3m)2.59%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.3 | ||
| Fwd PE | 11.43 | ||
| P/S | 3.75 | ||
| P/FCF | 8.19 | ||
| P/OCF | 7.83 | ||
| P/B | 1.28 | ||
| P/tB | 1.61 | ||
| EV/EBITDA | N/A |
EPS(TTM)5.09
EY7.52%
EPS(NY)5.92
Fwd EY8.75%
FCF(TTM)8.26
FCFY12.21%
OCF(TTM)8.65
OCFY12.77%
SpS18.05
BVpS53.02
TBVpS42.16
PEG (NY)0.98
PEG (5Y)4.3
Profitability
| Industry Rank | Sector 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 Rank | Sector 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
WACC13.69%
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 Y13.54%
EPS Next 2Y10.17%
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 Year12.79%
Revenue Next 2Y9.02%
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%