Banner Corp

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BANR : NASDAQ : Financial
$56.12 up 0.2 | 0.36%
Today's Range: 55.655 - 56.4
Avg. Daily Volume: 144400.0
07/24/17 - 3:59 PM ET

Financial Analysis


BANNER CORP's gross profit margin for the first quarter of its fiscal year 2017 is essentially unchanged when compared to the same period a year ago. The company has grown its sales and net income during the past quarter when compared with the same quarter a year ago, and although its growth in net income has outpaced the industry average, its revenue growth has not.

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

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Income Statement Q1 FY17 Q1 FY16
Net Sales ($mil)119.94115.26
EBITDA ($mil)55.6454.05
EBIT ($mil)51.1349.38
Net Income ($mil)23.7917.77


Balance Sheet Q1 FY17 Q1 FY16
Cash & Equiv. ($mil)300.71260.57
Total Assets ($mil)10068.389745.59
Total Debt ($mil)216.5274.41
Equity ($mil)1323.41320.16


Profitability Q1 FY17 Q1 FY16
Gross Profit Margin94.896.31
EBITDA Margin46.3846.89
Operating Margin42.6342.84
Sales Turnover0.050.04
Return on Assets0.90.52
Return on Equity6.93.85
Debt Q1 FY17 Q1 FY16
Current Ratio0.00.0
Debt/Capital0.140.17
Interest Expense0.00.0
Interest Coverage0.00.0


Share Data Q1 FY17 Q1 FY16
Shares outstanding (mil)33.1534.22
Div / share0.230.0
EPS0.720.52
Book value / share39.9238.58
Institutional Own % n/a n/a
Avg Daily Volume143897.0136496.0

Valuation


BUY. The current P/E ratio indicates a significant discount compared to an average of 46.03 for the Commercial Banks industry and a discount compared to the S&P 500 average of 24.66. To use another comparison, its price-to-book ratio of 1.41 indicates a significant discount versus the S&P 500 average of 3.07 and a premium versus the industry average of 1.30. 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 20.68 Peers 46.03   BANR 21.17 Peers 11.74

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

BANR is trading at a significant discount to its peers.

 

Premium. 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 significant premium 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 17.20 Peers 14.10   BANR 1.13 Peers 1.70

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 1.41 Peers 1.30   BANR 37.37 Peers 5.00

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.

 
Price/Sales
1 2 3 4 5
premium   discount
  Sales Growth
1 2 3 4 5
premium   discount
BANR 3.89 Peers 2.91   BANR 29.90 Peers 5.62

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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