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
Debt/Capital0.160.2
Interest Expense0.00.0
Interest Coverage0.00.0


Share Data Q4 FY16 Q4 FY15
Shares outstanding (mil)33.1934.24
Div / share0.230.36
EPS0.690.2
Book value / share39.3437.97
Institutional Own % n/a n/a
Avg Daily Volume158550.0356205.0

Valuation


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.


Price/Earnings
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.

 
Price/Projected
Earnings
1 2 3 4 5
premium   discount
  Price to
Earnings/Growth
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.

 
Price/Book
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.

 
Price/Sales
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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