Banner Corp

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BANR : NASDAQ : Financial
$53.7 -0.56 | -1.0%
Today's Range: 51.61 - 53.89
Avg. Daily Volume: 159500.0
03/27/17 - 3:58 PM ET

Financial Analysis

BANNER CORP's gross profit margin for the fourth quarter of its fiscal year 2016 is essentially unchanged when compared to the same period a year ago. The company managed to grow both sales and net income at a faster pace than the average competitor in its industry this quarter as compared to the same quarter a year ago.

During the same period, stockholders' equity ("net worth") has remained unchanged from the same quarter last year.

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Income Statement Q4 FY16 Q4 FY15
Net Sales ($mil)120.47114.85
EBITDA ($mil)57.6449.7
EBIT ($mil)51.6744.12
Net Income ($mil)22.86.89

Balance Sheet Q4 FY16 Q4 FY15
Cash & Equiv. ($mil)247.72261.92
Total Assets ($mil)9793.679796.3
Total Debt ($mil)255.1324.19
Equity ($mil)1305.711300.06

Profitability Q4 FY16 Q4 FY15
Gross Profit Margin95.1396.17
EBITDA Margin47.8443.27
Operating Margin42.8938.42
Sales Turnover0.050.03
Return on Assets0.870.46
Return on Equity6.533.47
Debt Q4 FY16 Q4 FY15
Current Ratio0.00.0
Interest Expense0.00.0
Interest Coverage0.00.0

Share Data Q4 FY16 Q4 FY15
Shares outstanding (mil)33.1934.24
Div / share0.230.36
Book value / share39.3437.97
Institutional Own % n/a n/a
Avg Daily Volume158550.0356205.0


BUY. This stock's P/E ratio indicates a discount compared to an average of 23.73 for the Commercial Banks industry and a discount compared to the S&P 500 average of 26.33. To use another comparison, its price-to-book ratio of 1.38 indicates a significant discount versus the S&P 500 average of 2.93 and a premium versus the industry average of 1.26. The price-to-sales ratio is well above both the S&P 500 average and the industry average, indicating a premium.

1 2 3 4 5
premium   discount
  Price/Cash Flow
1 2 3 4 5
premium   discount
BANR 21.62 Peers 23.73   BANR NM Peers 183.61

Average. An average P/E ratio can signify an industry neutral price for a stock and an average growth expectation.

BANR is trading at a valuation on par with its peers.


Neutral. The P/CF ratio, a stock’s price divided by the company's cash flow from operations, is useful for comparing companies with different capital requirements or financing structures.

BANR's P/CF is negative making the measure meaningless.

1 2 3 4 5
premium   discount
  Price to
1 2 3 4 5
premium   discount
BANR 16.34 Peers 85.79   BANR 1.12 Peers 1.60

Discount. A lower price-to-projected earnings ratio than its peers can signify a less expensive stock or lower future growth expectations.

BANR is trading at a significant discount to its peers.


Discount. The PEG ratio is the stock’s P/E divided by the consensus estimate of long-term earnings growth. Faster growth can justify higher price multiples.

BANR trades at a significant discount to its peers.

1 2 3 4 5
premium   discount
  Earnings Growth
1 2 3 4 5
lower   higher
BANR 1.38 Peers 1.26   BANR 21.73 Peers 4.16

Average. A lower price-to-book ratio makes a stock more attractive to investors seeking stocks with lower market values per dollar of equity on the balance sheet.

BANR is trading at a valuation on par with its peers.


Higher. Elevated earnings growth rates can lead to capital appreciation and justify higher price-to-earnings ratios.

BANR is expected to have an earnings growth rate that significantly exceeds its peers.

1 2 3 4 5
premium   discount
  Sales Growth
1 2 3 4 5
premium   discount
BANR 3.81 Peers 2.73   BANR 49.95 Peers 3.69

Premium. In the absence of P/E and P/B multiples, the price-to-sales ratio can display the value investors are placing on each dollar of sales.

BANR is trading at a significant premium to its industry.


Higher. A sales growth rate that exceeds the industry implies that a company is gaining market share.

BANR has a sales growth rate that significantly exceeds its peers.



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