Banner Corp

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BANR : NASDAQ : Financial
$58.48 up 0.24 | 0.41%
Today's Range: 58.31 - 58.68
Avg. Daily Volume: 149800.0
09/21/17 - 11:30 AM ET

Financial Analysis


BANNER CORP's gross profit margin for the second quarter of its fiscal year 2017 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 virtually unchanged only decreasing by 2.14% from the same quarter last year.

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Income Statement Q2 FY17 Q2 FY16
Net Sales ($mil)126.9117.86
EBITDA ($mil)59.1155.46
EBIT ($mil)53.8950.46
Net Income ($mil)25.4520.96


Balance Sheet Q2 FY17 Q2 FY16
Cash & Equiv. ($mil)273.55234.66
Total Assets ($mil)10199.829916.21
Total Debt ($mil)263.52530.99
Equity ($mil)1309.851338.52


Profitability Q2 FY17 Q2 FY16
Gross Profit Margin94.794.76
EBITDA Margin46.5747.05
Operating Margin42.4642.82
Sales Turnover0.050.04
Return on Assets0.940.59
Return on Equity7.324.37
Debt Q2 FY17 Q2 FY16
Current Ratio0.00.0
Debt/Capital0.170.28
Interest Expense0.00.0
Interest Coverage0.00.0


Share Data Q2 FY17 Q2 FY16
Shares outstanding (mil)33.2834.35
Div / share0.250.21
EPS0.770.61
Book value / share39.3638.97
Institutional Own % n/a n/a
Avg Daily Volume153012.0136389.0

Valuation


BUY. This stock's P/E ratio indicates a discount compared to an average of 22.56 for the Commercial Banks industry and a discount compared to the S&P 500 average of 24.97. To use another comparison, its price-to-book ratio of 1.45 indicates a significant discount versus the S&P 500 average of 3.11 and a premium versus the industry average of 1.29. The price-to-sales ratio is well above both the S&P 500 average and the industry average, indicating a premium.


Price/Earnings
1 2 3 4 5
premium   discount
  Price/Cash Flow
1 2 3 4 5
premium   discount
BANR 19.80 Peers 22.56   BANR 10.61 Peers 13.67

Discount. A lower P/E ratio than its peers can signify a less expensive stock or lower growth expectations.

BANR is trading at a discount to its peers.

 

Discount. 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 is trading at a discount to its peers.

 
Price/Projected
Earnings
1 2 3 4 5
premium   discount
  Price to
Earnings/Growth
1 2 3 4 5
premium   discount
BANR 17.54 Peers 13.91   BANR 0.91 Peers 1.43

Premium. A higher price-to-projected earnings ratio than its peers can signify a more expensive stock or higher future growth expectations.

BANR is trading at a significant premium 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.

 
Price/Book
1 2 3 4 5
premium   discount
  Earnings Growth
1 2 3 4 5
lower   higher
BANR 1.45 Peers 1.29   BANR 47.69 Peers 8.20

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

BANR is trading at a premium to 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.

 
Price/Sales
1 2 3 4 5
premium   discount
  Sales Growth
1 2 3 4 5
premium   discount
BANR 3.88 Peers 2.79   BANR 17.22 Peers 5.66

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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