Banner Corp

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BANR : NASDAQ : Financial
$44.77 -0.25 | -0.56%
Today's Range: 44.00 - 45.36
Avg. Daily Volume: 198,900
10/27/16 - 4:00 PM ET

Financial Analysis

BANNER CORP's gross profit margin for the third quarter of its fiscal year 2016 is essentially unchanged when compared to the same period a year ago. The company has grown sales and net income significantly, outpacing the average growth rates of competitors within its industry.

At the same time, stockholders' equity ("net worth") has greatly increased by 98.34% from the same quarter last year.

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Income Statement Q3 FY16 Q3 FY15
Net Sales ($mil)121.3668.89
EBITDA ($mil)59.4832.79
EBIT ($mil)59.4830.32
Net Income ($mil)23.8512.95

Balance Sheet Q3 FY16 Q3 FY15
Cash & Equiv. ($mil)245.92135.24
Total Assets ($mil)9841.035312.31
Total Debt ($mil)265.62189.7
Equity ($mil)1331.27671.2

Profitability Q3 FY16 Q3 FY15
Gross Profit Margin94.9496.22
EBITDA Margin49.0147.59
Operating Margin49.0144.02
Sales Turnover0.050.05
Return on Assets0.70.94
Return on Equity5.217.45
Debt Q3 FY16 Q3 FY15
Current Ratio0.00.0
Interest Expense0.00.0
Interest Coverage0.00.0

Share Data Q3 FY16 Q3 FY15
Shares outstanding (mil)33.8720.96
Div / share0.210.18
Book value / share39.3132.02
Institutional Own % n/a n/a
Avg Daily Volume197151.0194669.0


BUY. This stock's P/E ratio indicates a premium compared to an average of 13.33 for the Commercial Banks industry and a discount compared to the S&P 500 average of 24.61. To use another comparison, its price-to-book ratio of 1.15 indicates a significant discount versus the S&P 500 average of 2.73 and a premium versus the industry average of 1.07. The price-to-sales ratio is well above both the S&P 500 average and the industry average, indicating a premium. Upon assessment of these and other key valuation criteria, BANNER CORP proves to trade at a premium to investment alternatives within the industry.

1 2 3 4 5
premium   discount
  Price/Cash Flow
1 2 3 4 5
premium   discount
BANR 22.18 Peers 13.33   BANR NA Peers 5.66

Premium. A higher P/E ratio than its peers can signify a more expensive stock or higher growth expectations.

BANR is trading at a significant premium to its peers.


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

Ratio not available.

1 2 3 4 5
premium   discount
  Price to
1 2 3 4 5
premium   discount
BANR 14.29 Peers 12.54   BANR 0.45 Peers 1.78

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.

1 2 3 4 5
premium   discount
  Earnings Growth
1 2 3 4 5
lower   higher
BANR 1.15 Peers 1.07   BANR -17.48 Peers -12.69

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.


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

However, BANR is expected to significantly trail its peers on the basis of its earnings growth rate.

1 2 3 4 5
premium   discount
  Sales Growth
1 2 3 4 5
premium   discount
BANR 3.25 Peers 2.29   BANR 78.29 Peers 2.27

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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