BANNER CORPORATION (BANR) Stock Fundamental Analysis
USA - NASDAQ:BANR - US06652V2088 - Common Stock
59.64 USD
-0.77 (-1.27%)
59.64 USD
0 (0%)
BANR gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 390 industry peers in the Banks industry. There are concerns on the financial health of BANR while its profitability can be described as average. BANR is not valued too expensively and it also shows a decent growth rate.
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.
BANR had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
BANR has a Return On Assets of 1.11%. This is in the better half of the industry: BANR outperforms 74.36% of its industry peers.
Looking at the Return On Equity, with a value of 9.76%, BANR is in the better half of the industry, outperforming 62.31% of the companies in the same industry.
| 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
BANR has a Profit Margin of 28.61%. This is in the better half of the industry: BANR outperforms 76.92% 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 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.
BANR has less shares outstanding than it did 5 years ago.
BANR has a better debt/assets ratio than last year.
2.2 Solvency
BANR has a debt to FCF ratio of 0.72. 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's Debt to FCF ratio of 0.72 is fine compared to the rest of the industry. BANR outperforms 78.46% of its industry peers.
A Debt/Equity ratio of 0.10 indicates that BANR is not too dependend on debt financing.
BANR has a Debt to Equity ratio of 0.10. This is in the better half of the industry: BANR outperforms 68.72% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.1 | ||
| Debt/FCF | 0.72 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC13.6%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
BANR shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 14.85%, which is quite good.
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 grown by 8.85% in the past year. This is quite good.
The Revenue has been growing slightly by 2.02% on average over the past years.
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
Based on estimates for the next years, BANR will show a quite strong growth in Earnings Per Share. The EPS will grow by 12.77% on average per year.
BANR is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 7.63% yearly.
EPS Next Y17.08%
EPS Next 2Y11.19%
EPS Next 3Y12.77%
EPS Next 5YN/A
Revenue Next Year9.49%
Revenue Next 2Y8.66%
Revenue Next 3Y7.63%
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 10.86.
BANR's Price/Earnings ratio is in line with the industry average.
Compared to an average S&P500 Price/Earnings ratio of 25.67, BANR is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 9.89, the valuation of BANR can be described as reasonable.
The rest of the industry has a similar Price/Forward Earnings ratio as BANR.
When comparing the Price/Forward Earnings ratio of BANR to the average of the S&P500 Index (31.86), we can say BANR is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.86 | ||
| Fwd PE | 9.89 |
4.2 Price Multiples
BANR's Price/Free Cash Flow ratio is rather cheap when compared to the industry. BANR is cheaper than 82.82% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 7.77 | ||
| 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.
A more expensive valuation may be justified as BANR's earnings are expected to grow with 12.77% in the coming years.
PEG (NY)0.64
PEG (5Y)3.51
EPS Next 2Y11.19%
EPS Next 3Y12.77%
5. Dividend
5.1 Amount
BANR has a Yearly Dividend Yield of 3.29%.
BANR's Dividend Yield is comparable with the industry average which is at 3.42.
Compared to an average S&P500 Dividend Yield of 2.40, BANR pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.29% |
5.2 History
The dividend of BANR has a limited annual growth rate of 4.18%.
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)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 2Y11.19%
EPS Next 3Y12.77%
59.64
-0.77 (-1.27%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners93.96%
Inst Owner Change0.26%
Ins Owners2.35%
Ins Owner Change0.85%
Market Cap2.05B
Revenue(TTM)653.63M
Net Income(TTM)182.18M
Analysts81.82
Price Target73.85 (23.83%)
Short Float %2.19%
Short Ratio3.54
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.29% |
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)-1.36%
PT rev (3m)3.43%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)3.29%
EPS NY rev (3m)3.69%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)-0.26%
Revenue NY rev (3m)-0.26%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.86 | ||
| Fwd PE | 9.89 | ||
| P/S | 3.22 | ||
| P/FCF | 7.77 | ||
| P/OCF | 7.44 | ||
| P/B | 1.1 | ||
| P/tB | 1.37 | ||
| EV/EBITDA | N/A |
EPS(TTM)5.49
EY9.21%
EPS(NY)6.03
Fwd EY10.12%
FCF(TTM)7.68
FCFY12.87%
OCF(TTM)8.01
OCFY13.43%
SpS18.54
BVpS54.33
TBVpS43.4
PEG (NY)0.64
PEG (5Y)3.51
Graham Number81.92
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
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 | 0.72 | ||
| 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
WACC13.6%
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 Y17.08%
EPS Next 2Y11.19%
EPS Next 3Y12.77%
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 2Y8.66%
Revenue Next 3Y7.63%
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%
BANNER CORPORATION / BANR FAQ
Can you provide the ChartMill fundamental rating for BANNER CORPORATION?
ChartMill assigns a fundamental rating of 4 / 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 17.08% 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 36.75%.