BANNER CORPORATION (BANR) Stock Fundamental Analysis
NASDAQ:BANR - US06652V2088 - Common Stock
67.64 USD
+0.21 (+0.31%)
67.64 USD
0 (0%)
BANR gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 393 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
BANR had positive earnings in the past year.
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
Looking at the Return On Assets, with a value of 1.11%, BANR is in the better half of the industry, outperforming 74.55% of the companies in the same industry.
BANR has a Return On Equity of 9.76%. This is in the better half of the industry: BANR outperforms 64.12% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.11% | ||
| ROE | 9.76% | ||
| 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
The Profit Margin of BANR (28.61%) is better than 76.84% of its industry peers.
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) | 28.61% | ||
| 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.
BANR has more shares outstanding than it did 1 year ago.
The number of shares outstanding for BANR has been reduced compared to 5 years ago.
Compared to 1 year ago, BANR has an improved debt to assets ratio.
2.2 Solvency
BANR has a debt to FCF ratio of 0.72. This is a very positive value and a sign of high solvency as it would only need 0.72 years to pay back of all of its debts.
BANR has a better Debt to FCF ratio (0.72) than 79.64% of its industry peers.
BANR has a Debt/Equity ratio of 0.10. This is a healthy value indicating a solid balance between debt and equity.
BANR's Debt to Equity ratio of 0.10 is fine compared to the rest of the industry. BANR outperforms 69.72% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.1 | ||
| Debt/FCF | 0.72 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC13.2%
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 9.15% over the past year.
Measured over the past 5 years, BANR shows a small growth in Earnings Per Share. The EPS has been growing by 3.10% on average per year.
BANR shows a small growth in Revenue. In the last year, the Revenue has grown by 5.89%.
BANR shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 2.02% yearly.
EPS 1Y (TTM)9.15%
EPS 3Y-5.43%
EPS 5Y3.1%
EPS Q2Q%13.91%
Revenue 1Y (TTM)5.89%
Revenue growth 3Y0.85%
Revenue growth 5Y2.02%
Sales Q2Q%8.94%
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 8.76% on average per year.
Based on estimates for the next years, BANR will show a quite strong growth in Revenue. The Revenue will grow by 10.46% on average per year.
EPS Next Y13.35%
EPS Next 2Y10.53%
EPS Next 3Y8.76%
EPS Next 5YN/A
Revenue Next Year9.78%
Revenue Next 2Y8.12%
Revenue Next 3Y10.46%
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
Based on the Price/Earnings ratio of 12.88, the valuation of BANR can be described as correct.
BANR's Price/Earnings is on the same level as the industry average.
BANR's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.14.
Based on the Price/Forward Earnings ratio of 11.35, the valuation of BANR can be described as reasonable.
BANR's Price/Forward Earnings ratio is in line with the industry average.
The average S&P500 Price/Forward Earnings ratio is at 22.80. BANR is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.88 | ||
| Fwd PE | 11.35 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, BANR is valued a bit cheaper than the industry average as 77.86% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 8.87 | ||
| 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.
PEG (NY)0.97
PEG (5Y)4.16
EPS Next 2Y10.53%
EPS Next 3Y8.76%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 3.01%, BANR has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 3.30, BANR has a dividend in line with its industry peers.
BANR's Dividend Yield is a higher than the S&P500 average which is at 2.34.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.01% |
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 36.75% 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.
DP36.75%
EPS Next 2Y10.53%
EPS Next 3Y8.76%
67.64
+0.21 (+0.31%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners94.23%
Inst Owner Change-0.96%
Ins Owners2.34%
Ins Owner Change7.96%
Market Cap2.34B
Analysts81.82
Price Target74.87 (10.69%)
Short Float %2.38%
Short Ratio3.56
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.01% |
Yearly Dividend1.94
Dividend Growth(5Y)4.18%
DP36.75%
Div Incr Years0
Div Non Decr Years3
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)1.15%
Min EPS beat(2)-2.26%
Max EPS beat(2)4.55%
EPS beat(4)3
Avg EPS beat(4)5.21%
Min EPS beat(4)-2.26%
Max EPS beat(4)9.62%
EPS beat(8)3
Avg EPS beat(8)0.59%
EPS beat(12)5
Avg EPS beat(12)-2%
EPS beat(16)8
Avg EPS beat(16)1.7%
Revenue beat(2)0
Avg Revenue beat(2)-2.59%
Min Revenue beat(2)-3.91%
Max Revenue beat(2)-1.28%
Revenue beat(4)1
Avg Revenue beat(4)-1.75%
Min Revenue beat(4)-3.91%
Max Revenue beat(4)0.2%
Revenue beat(8)1
Avg Revenue beat(8)-2.45%
Revenue beat(12)4
Avg Revenue beat(12)0.11%
Revenue beat(16)8
Avg Revenue beat(16)4.9%
PT rev (1m)4.86%
PT rev (3m)4.86%
EPS NQ rev (1m)0%
EPS NQ rev (3m)5.45%
EPS NY rev (1m)0.39%
EPS NY rev (3m)0.8%
Revenue NQ rev (1m)0.68%
Revenue NQ rev (3m)0.77%
Revenue NY rev (1m)0.05%
Revenue NY rev (3m)-4.95%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.88 | ||
| Fwd PE | 11.35 | ||
| P/S | 3.67 | ||
| P/FCF | 8.87 | ||
| P/OCF | 8.5 | ||
| P/B | 1.25 | ||
| P/tB | 1.57 | ||
| EV/EBITDA | N/A |
EPS(TTM)5.25
EY7.76%
EPS(NY)5.96
Fwd EY8.81%
FCF(TTM)7.62
FCFY11.27%
OCF(TTM)7.96
OCFY11.76%
SpS18.41
BVpS53.95
TBVpS43.1
PEG (NY)0.97
PEG (5Y)4.16
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.11% | ||
| ROE | 9.76% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 28.61% | ||
| GM | N/A | ||
| FCFM | 41.4% |
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-Score8
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.1 | ||
| Debt/FCF | 0.72 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 58.9% | ||
| Cap/Sales | 1.81% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 144.7% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score8
WACC13.2%
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)9.15%
EPS 3Y-5.43%
EPS 5Y3.1%
EPS Q2Q%13.91%
EPS Next Y13.35%
EPS Next 2Y10.53%
EPS Next 3Y8.76%
EPS Next 5YN/A
Revenue 1Y (TTM)5.89%
Revenue growth 3Y0.85%
Revenue growth 5Y2.02%
Sales Q2Q%8.94%
Revenue Next Year9.78%
Revenue Next 2Y8.12%
Revenue Next 3Y10.46%
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 1Y15.67%
FCF growth 3Y-1.35%
FCF growth 5Y17.61%
OCF growth 1Y14.3%
OCF growth 3Y-0.94%
OCF growth 5Y14.51%