Logo image of BANR

BANNER CORPORATION (BANR) Stock Fundamental Analysis

NASDAQ:BANR - Nasdaq - US06652V2088 - Common Stock - Currency: USD

62.89  +1.75 (+2.86%)

Fundamental Rating

4

BANR gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 398 industry peers in the Banks industry. While BANR is still in line with the averages on profitability rating, there are concerns on its financial health. BANR has a decent growth rate and is not valued too expensively.


Dividend Valuation Growth Profitability Health

Quickly go to:

4

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.
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.
BANR Yearly Net Income VS EBIT VS OCF VS FCFBANR Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 100M 200M 300M

1.2 Ratios

The Return On Assets of BANR (1.04%) is better than 70.35% of its industry peers.
BANR has a better Return On Equity (9.52%) than 62.06% of its industry peers.
Industry RankSector Rank
ROA 1.04%
ROE 9.52%
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
BANR Yearly ROA, ROE, ROICBANR Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

BANR's Profit Margin of 27.75% is fine compared to the rest of the industry. BANR outperforms 75.38% of its industry peers.
In the last couple of years the Profit Margin of BANR has remained more or less at the same level.
The Operating Margin and Gross Margin are not available for BANR so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 27.75%
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
BANR Yearly Profit, Operating, Gross MarginsBANR Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

More info and screens

3

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
Compared to 5 years ago, BANR has less shares outstanding
The debt/assets ratio for BANR has been reduced compared to a year ago.
BANR Yearly Shares OutstandingBANR Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M
BANR Yearly Total Debt VS Total AssetsBANR Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5B 10B 15B

2.2 Solvency

The Debt to FCF ratio of BANR is 0.98, which is an excellent value as it means it would take BANR, only 0.98 years of fcf income to pay off all of its debts.
With a decent Debt to FCF ratio value of 0.98, BANR is doing good in the industry, outperforming 73.62% 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's Debt to Equity ratio of 0.15 is in line compared to the rest of the industry. BANR outperforms 55.78% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.15
Debt/FCF 0.98
Altman-Z N/A
ROIC/WACCN/A
WACC13.51%
BANR Yearly LT Debt VS Equity VS FCFBANR Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 500M 1B 1.5B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
BANR Yearly Current Assets VS Current LiabilitesBANR Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M

More info and screens

5

3. Growth

3.1 Past

The Earnings Per Share has been growing slightly by 5.82% 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.
The Revenue has been growing slightly by 3.62% in the past year.
BANR shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 2.02% yearly.
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 9.31% on average per year.
BANR is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 9.97% yearly.
EPS Next Y10.87%
EPS Next 2Y9.31%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year14.68%
Revenue Next 2Y9.97%
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 accelerating.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
BANR Yearly Revenue VS EstimatesBANR Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 200M 400M 600M
BANR Yearly EPS VS EstimatesBANR Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 1 2 3 4 5

More info and screens

5

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 12.36, which indicates a correct valuation of BANR.
BANR's Price/Earnings is on the same level as the industry average.
The average S&P500 Price/Earnings ratio is at 28.88. BANR is valued rather cheaply when compared to this.
Based on the Price/Forward Earnings ratio of 10.78, the valuation of BANR can be described as reasonable.
Compared to the rest of the industry, the Price/Forward Earnings ratio of BANR is on the same level as its industry peers.
BANR is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 21.20, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 12.36
Fwd PE 10.78
BANR Price Earnings VS Forward Price EarningsBANR Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, BANR is valued cheaply inside the industry as 81.16% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 7.76
EV/EBITDA N/A
BANR Per share dataBANR EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30 40 50

4.3 Compensation for Growth

The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.14
PEG (5Y)3.99
EPS Next 2Y9.31%
EPS Next 3YN/A

More info and screens

6

5. Dividend

5.1 Amount

BANR has a Yearly Dividend Yield of 3.08%. Purely for dividend investing, there may be better candidates out there.
BANR's Dividend Yield is comparable with the industry average which is at 3.52.
BANR's Dividend Yield is a higher than the S&P500 average which is at 2.45.
Industry RankSector Rank
Dividend Yield 3.08%

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 Years2
Div Non Decr Years3
BANR Yearly Dividends per shareBANR Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.5 1 1.5 2 2.5

5.3 Sustainability

BANR pays out 39.51% of its income as dividend. This is a sustainable payout ratio.
BANR's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP39.51%
EPS Next 2Y9.31%
EPS Next 3YN/A
BANR Yearly Income VS Free CF VS DividendBANR Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 100M 200M 300M
BANR Dividend Payout.BANR Dividend Payout, showing the Payout Ratio.BANR Dividend Payout.PayoutRetained Earnings

More info and screens

BANNER CORPORATION

NASDAQ:BANR (5/1/2025, 3:18:48 PM)

62.89

+1.75 (+2.86%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-16 2025-04-16/amc
Earnings (Next)07-15 2025-07-15/amc
Inst Owners94.48%
Inst Owner Change0.08%
Ins Owners2.12%
Ins Owner Change7.25%
Market Cap2.17B
Analysts78.33
Price Target71.4 (13.53%)
Short Float %3.07%
Short Ratio4.21
Dividend
Industry RankSector Rank
Dividend Yield 3.08%
Yearly Dividend1.94
Dividend Growth(5Y)4.18%
DP39.51%
Div Incr Years2
Div Non Decr Years3
Ex-Date04-29 2025-04-29 (0.48)
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)9.28%
Min EPS beat(2)8.93%
Max EPS beat(2)9.62%
EPS beat(4)2
Avg EPS beat(4)3.14%
Min EPS beat(4)-5.38%
Max EPS beat(4)9.62%
EPS beat(8)3
Avg EPS beat(8)-3.09%
EPS beat(12)5
Avg EPS beat(12)-1.55%
EPS beat(16)9
Avg EPS beat(16)5.64%
Revenue beat(2)1
Avg Revenue beat(2)-0.91%
Min Revenue beat(2)-2.01%
Max Revenue beat(2)0.2%
Revenue beat(4)1
Avg Revenue beat(4)-2.16%
Min Revenue beat(4)-3.99%
Max Revenue beat(4)0.2%
Revenue beat(8)2
Avg Revenue beat(8)-2.42%
Revenue beat(12)6
Avg Revenue beat(12)3.64%
Revenue beat(16)10
Avg Revenue beat(16)6.87%
PT rev (1m)-9.87%
PT rev (3m)-4.55%
EPS NQ rev (1m)0.14%
EPS NQ rev (3m)6.09%
EPS NY rev (1m)2.49%
EPS NY rev (3m)7.89%
Revenue NQ rev (1m)-2.63%
Revenue NQ rev (3m)3.24%
Revenue NY rev (1m)4.31%
Revenue NY rev (3m)10.15%
Valuation
Industry RankSector Rank
PE 12.36
Fwd PE 10.78
P/S 3.56
P/FCF 7.76
P/OCF 7.4
P/B 1.22
P/tB 1.55
EV/EBITDA N/A
EPS(TTM)5.09
EY8.09%
EPS(NY)5.83
Fwd EY9.27%
FCF(TTM)8.1
FCFY12.88%
OCF(TTM)8.5
OCFY13.52%
SpS17.65
BVpS51.44
TBVpS40.54
PEG (NY)1.14
PEG (5Y)3.99
Profitability
Industry RankSector Rank
ROA 1.04%
ROE 9.52%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 27.75%
GM N/A
FCFM 45.91%
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-Score5
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.15
Debt/FCF 0.98
Debt/EBITDA N/A
Cap/Depr 66.4%
Cap/Sales 2.26%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 165.45%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC13.51%
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 Y10.87%
EPS Next 2Y9.31%
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 Year14.68%
Revenue Next 2Y9.97%
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 1Y15.21%
FCF growth 3Y-1.35%
FCF growth 5Y17.61%
OCF growth 1Y13.99%
OCF growth 3Y-0.94%
OCF growth 5Y14.51%