BANNER CORPORATION (BANR) Stock Fundamental Analysis
USA - NASDAQ:BANR - US06652V2088 - Common Stock
61.665 USD
+0.63 (+1.02%)
61.665 USD
0 (0%)
We assign a fundamental rating of 5 out of 10 to BANR. BANR was compared to 391 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.
1. Profitability
1.1 Basic Checks
In the past year BANR was profitable.
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 better Return On Assets (1.11%) than 74.42% of its industry peers.
BANR's Return On Equity of 9.76% is fine compared to the rest of the industry. BANR outperforms 63.43% 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
BANR has a Profit Margin of 28.61%. This is in the better half of the industry: BANR outperforms 76.73% 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.
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
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 78.77% of its industry peers.
A Debt/Equity ratio of 0.10 indicates that BANR is not too dependend on debt financing.
The Debt to Equity ratio of BANR (0.10) is better than 68.54% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.1 | ||
| Debt/FCF | 0.72 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC13.36%
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.
The Earnings Per Share has been growing slightly by 3.10% on average over the past years.
BANR shows a small growth in Revenue. In the last year, the Revenue has grown by 5.89%.
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)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.
BANR is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 10.46% yearly.
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
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.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 11.75, the valuation of BANR can be described as very reasonable.
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 27.34. BANR is valued rather cheaply when compared to this.
BANR is valuated reasonably with a Price/Forward Earnings ratio of 10.34.
The rest of the industry has a similar Price/Forward Earnings ratio as BANR.
BANR's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.86.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.75 | ||
| Fwd PE | 10.34 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, BANR is valued cheaper than 80.31% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 8.09 | ||
| 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)0.88
PEG (5Y)3.79
EPS Next 2Y10.53%
EPS Next 3Y8.76%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 3.05%, BANR has a reasonable but not impressive dividend return.
BANR's Dividend Yield is comparable with the industry average which is at 3.60.
BANR's Dividend Yield is a higher than the S&P500 average which is at 2.44.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.05% |
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 2Y10.53%
EPS Next 3Y8.76%
61.665
+0.63 (+1.02%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners93.96%
Inst Owner Change-0.01%
Ins Owners2.35%
Ins Owner Change0.85%
Market Cap2.13B
Analysts81.82
Price Target74.87 (21.41%)
Short Float %2.4%
Short Ratio4.29
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.05% |
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)0%
PT rev (3m)4.86%
EPS NQ rev (1m)0%
EPS NQ rev (3m)1.46%
EPS NY rev (1m)0%
EPS NY rev (3m)0.39%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.62%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.05%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.75 | ||
| Fwd PE | 10.34 | ||
| P/S | 3.35 | ||
| P/FCF | 8.09 | ||
| P/OCF | 7.75 | ||
| P/B | 1.14 | ||
| P/tB | 1.43 | ||
| EV/EBITDA | N/A |
EPS(TTM)5.25
EY8.51%
EPS(NY)5.96
Fwd EY9.67%
FCF(TTM)7.62
FCFY12.36%
OCF(TTM)7.96
OCFY12.9%
SpS18.41
BVpS53.95
TBVpS43.1
PEG (NY)0.88
PEG (5Y)3.79
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
WACC13.36%
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%