BANNER CORPORATION (BANR)
US06652V2088 - Common Stock
BANR gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 411 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 valued correctly, but it does not seem to be growing.
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.
Each year in the past 5 years BANR has been profitable.
BANR had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
With a decent Return On Assets value of 1.17%, BANR is doing good in the industry, outperforming 75.67% of the companies in the same industry.
BANR's Return On Equity of 11.12% is fine compared to the rest of the industry. BANR outperforms 70.32% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.17% | ||
| ROE | 11.12% | ||
| 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
1.3 Margins
Looking at the Profit Margin, with a value of 29.61%, BANR is in the better half of the industry, outperforming 73.97% of the companies in the same industry.
BANR's Profit Margin has improved 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) | 29.61% | ||
| 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
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
BANR has less shares outstanding than it did 5 years ago.
The debt/assets ratio for BANR has been reduced compared to a year ago.
2.2 Solvency
The Debt to FCF ratio of BANR is 1.41, which is an excellent value as it means it would take BANR, only 1.41 years of fcf income to pay off all of its debts.
BANR has a Debt to FCF ratio of 1.41. This is in the better half of the industry: BANR outperforms 69.59% of its industry peers.
A Debt/Equity ratio of 0.21 indicates that BANR is not too dependend on debt financing.
BANR has a Debt to Equity ratio (0.21) which is in line with its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.21 | ||
| Debt/FCF | 1.41 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC11.9%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
BANR shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -2.20%.
BANR shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 5.39% yearly.
BANR shows a decrease in Revenue. In the last year, the revenue decreased by -1.28%.
BANR shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 3.79% yearly.
EPS 1Y (TTM)-2.2%
EPS 3Y17.57%
EPS 5Y5.39%
EPS growth Q2Q-21.52%
Revenue 1Y (TTM)-1.28%
Revenue growth 3Y2.28%
Revenue growth 5Y3.79%
Revenue growth Q2Q-11.46%
3.2 Future
Based on estimates for the next years, BANR will show a decrease in Earnings Per Share. The EPS will decrease by -1.87% on average per year.
The Revenue is expected to decrease by -0.27% on average over the next years.
EPS Next Y-11.26%
EPS Next 2Y-1.87%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-5.21%
Revenue Next 2Y-0.27%
Revenue Next 3YN/A
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 decreasing.
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.
4. Valuation
4.1 Price/Earnings Ratio
BANR is valuated reasonably with a Price/Earnings ratio of 8.53.
Based on the Price/Earnings ratio, BANR is valued a bit cheaper than the industry average as 65.21% of the companies are valued more expensively.
BANR's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 25.25.
Based on the Price/Forward Earnings ratio of 9.61, the valuation of BANR can be described as reasonable.
Based on the Price/Forward Earnings ratio, BANR is valued a bit cheaper than the industry average as 64.72% of the companies are valued more expensively.
BANR's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 21.67.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.53 | ||
| Fwd PE | 9.61 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, BANR is valued a bit cheaper than the industry average as 74.70% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 6.44 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)1.58
EPS Next 2Y-1.87%
EPS Next 3YN/A
5. Dividend
5.1 Amount
BANR has a Yearly Dividend Yield of 4.17%, which is a nice return.
Compared to an average industry Dividend Yield of 3.89, BANR pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.45, BANR pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.17% |
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 decreased its dividend in the last 3 years.
Dividend Growth(5Y)2.3%
Div Incr Years2
Div Non Decr Years2
5.3 Sustainability
BANR pays out 36.34% of its income as dividend. This is a sustainable payout ratio.
DP36.34%
EPS Next 2Y-1.87%
EPS Next 3YN/A
BANNER CORPORATION
NASDAQ:BANR (4/25/2024, 2:44:11 PM)
45.44
-0.71 (-1.54%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap1.56B
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.17% |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.53 | ||
| Fwd PE | 9.61 | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)1.58
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.17% | ||
| ROE | 11.12% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | 29.61% | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.21 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)-2.2%
EPS 3Y17.57%
EPS 5Y
EPS growth Q2Q
EPS Next Y-11.26%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)-1.28%
Revenue growth 3Y2.28%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y