Banner Corporation Logo

Banner Corporation

BANR

(2.5)
Stock Price

73,52 USD

1.07% ROA

10.16% ROE

12.29x PER

Market Cap.

2.036.022.767,00 USD

42.6% DER

3.25% Yield

22.34% NPM

Banner Corporation Stock Analysis

Banner Corporation Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Banner Corporation Fundamental Stock Analysis
# Analysis Rating
1 DER

The stock has a low debt to equity ratio (38%), which means it has a small amount of debt compared to the ownership it holds

2 Dividend

The company's consistent dividend distribution over the past five years reflects its dedication to providing shareholders with steady returns, making it an appealing choice for investors seeking income stability.

3 ROE

The stock's ROE falls within an average range (12.92%), demonstrating satisfactory profitability and efficiency in utilizing shareholders' equity.

4 ROA

The stock's ROA (1.29%) shows that it's doing a pretty good job at making money from its assets, making it a solid choice to invest and earn steady profits.

5 PBV

The stock's PBV ratio (1.03x) reflects a fair valuation, making it an attractive option for investors seeking balanced opportunities.

6 Graham Number

The Graham number of this company suggests that its stock price may be undervalued, indicating a potentially attractive investment opportunity.

7 Dividend Growth

With a history of consistent dividend increases over the last three years, the company has proven to be a reliable choice for investors seeking reliable income.

8 Buffet Intrinsic Value

Warren Buffett's formula suggests that the company's stock is undervalued (167), making it an appealing investment prospect with its intrinsic value surpassing the current market price.

9 Revenue Growth

Company's revenue has remained stagnant over the past three years, indicating a lack of growth and making it a less favorable option.

10 Net Profit Growth

Despite the passage of five years, this company's net profit has not shown any improvement, highlighting a lack of growth and making it a less appealing investment prospect.

11 Assets Growth

Company has experienced no growth in revenue over the past three years, suggesting limited profitability and making it a less desirable investment opportunity.

Banner Corporation Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Banner Corporation Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Buy
2 MACD Buy
3 RSI Hold
4 Stoch RSI Sell

Banner Corporation Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Banner Corporation Revenue
Year Revenue Growth
1995 19.800.000
1996 34.000.000 41.76%
1997 43.200.000 21.3%
1998 59.400.000 27.27%
2000 77.955.000 23.8%
2001 85.187.000 8.49%
2002 94.184.000 9.55%
2003 100.174.000 5.98%
2004 113.283.000 11.57%
2005 119.327.000 5.07%
2006 147.480.000 19.09%
2007 188.202.000 21.64%
2008 187.442.000 -0.41%
2009 189.774.000 1.23%
2010 186.918.000 -1.53%
2011 198.688.000 5.92%
2012 196.350.000 -1.19%
2013 209.781.000 6.4%
2014 226.054.000 7.2%
2015 302.520.000 25.28%
2016 455.830.000 33.63%
2017 469.094.000 2.83%
2018 517.494.000 9.35%
2019 562.801.000 8.05%
2020 598.670.000 5.99%
2021 607.164.000 1.4%
2022 623.748.000 2.66%
2023 615.000.000 -1.42%
2023 751.608.000 18.18%
2024 824.720.000 8.87%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Banner Corporation Research and Development Expenses
Year Research and Development Expenses Growth
1995 0
1996 0 0%
1997 0 0%
1998 0 0%
2000 0 0%
2001 0 0%
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2023 0 0%
2024 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Banner Corporation General and Administrative Expenses
Year General and Administrative Expenses Growth
1995 6.300.000
1996 11.200.000 43.75%
1997 14.000.000 20%
1998 16.000.000 12.5%
2000 26.392.000 39.38%
2001 29.865.000 11.63%
2002 38.262.000 21.95%
2003 47.032.000 18.65%
2004 52.331.000 10.13%
2005 60.151.000 13%
2006 65.116.000 7.62%
2007 75.975.000 14.29%
2008 93.764.000 18.97%
2009 93.456.000 -0.33%
2010 89.311.000 -4.64%
2011 78.523.000 -13.74%
2012 82.381.000 4.68%
2013 86.717.000 5%
2014 92.193.000 5.94%
2015 130.471.000 29.34%
2016 185.434.000 29.64%
2017 196.785.000 5.77%
2018 207.059.000 4.96%
2019 229.249.000 9.68%
2020 251.916.000 9%
2021 249.934.000 -0.79%
2022 248.915.000 -0.41%
2023 255.860.000 2.71%
2023 255.092.000 -0.3%
2024 266.756.000 4.37%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Banner Corporation EBITDA
Year EBITDA Growth
1995 9.600.000
1996 14.900.000 35.57%
1997 24.100.000 38.17%
1998 31.500.000 23.49%
2000 35.863.000 12.17%
2001 18.979.000 -88.96%
2002 16.537.000 -14.77%
2003 30.882.000 46.45%
2004 32.440.000 4.8%
2005 21.822.000 -48.66%
2006 53.680.000 59.35%
2007 63.046.000 14.86%
2008 -121.725.000 151.79%
2009 -50.395.000 -141.54%
2010 -32.216.000 -56.43%
2011 16.326.000 297.33%
2012 49.977.000 67.33%
2013 79.801.000 37.37%
2014 91.176.000 12.48%
2015 81.092.000 -12.44%
2016 150.165.000 46%
2017 172.211.000 12.8%
2018 186.389.000 7.61%
2019 208.565.000 10.63%
2020 168.315.000 -23.91%
2021 270.510.000 37.78%
2022 262.987.000 -2.86%
2023 229.452.000 -14.62%
2023 -15.081.000 1621.46%
2024 -15.516.000 2.8%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Banner Corporation Gross Profit
Year Gross Profit Growth
1995 19.800.000
1996 34.000.000 41.76%
1997 43.200.000 21.3%
1998 59.400.000 27.27%
2000 77.955.000 23.8%
2001 85.187.000 8.49%
2002 94.184.000 9.55%
2003 100.174.000 5.98%
2004 113.283.000 11.57%
2005 119.327.000 5.07%
2006 147.480.000 19.09%
2007 188.202.000 21.64%
2008 187.442.000 -0.41%
2009 189.774.000 1.23%
2010 186.918.000 -1.53%
2011 198.688.000 5.92%
2012 196.350.000 -1.19%
2013 209.781.000 6.4%
2014 226.054.000 7.2%
2015 302.520.000 25.28%
2016 455.830.000 33.63%
2017 469.094.000 2.83%
2018 517.494.000 9.35%
2019 562.801.000 8.05%
2020 598.670.000 5.99%
2021 607.164.000 1.4%
2022 623.748.000 2.66%
2023 615.000.000 -1.42%
2023 750.737.000 18.08%
2024 756.352.000 0.74%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Banner Corporation Net Profit
Year Net Profit Growth
1995 6.300.000
1996 9.300.000 32.26%
1997 13.100.000 29.01%
1998 15.400.000 14.94%
2000 18.348.000 16.07%
2001 7.450.000 -146.28%
2002 9.260.000 19.55%
2003 16.107.000 42.51%
2004 19.340.000 16.72%
2005 11.980.000 -61.44%
2006 31.544.000 62.02%
2007 36.923.000 14.57%
2008 -127.993.000 128.85%
2009 -35.764.000 -257.88%
2010 -61.896.000 42.22%
2011 5.457.000 1234.25%
2012 64.882.000 91.59%
2013 46.214.000 -40.39%
2014 54.070.000 14.53%
2015 45.222.000 -19.57%
2016 85.385.000 47.04%
2017 60.776.000 -40.49%
2018 136.515.000 55.48%
2019 146.278.000 6.67%
2020 115.928.000 -26.18%
2021 201.048.000 42.34%
2022 195.378.000 -2.9%
2023 183.416.000 -6.52%
2023 183.624.000 0.11%
2024 159.180.000 -15.36%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Banner Corporation Earning per Share (EPS)
Year Earning per Share (EPS) Growth
1995 4
1996 6 50%
1997 8 25%
1998 10 20%
2000 11 9.09%
2001 5 -175%
2002 6 20%
2003 10 50%
2004 12 16.67%
2005 7 -71.43%
2006 19 61.11%
2007 18 -5.88%
2008 -55 130.91%
2009 -13 -323.08%
2010 -6 -116.67%
2011 0 0%
2012 3 100%
2013 2 -50%
2014 3 0%
2015 2 -100%
2016 3 50%
2017 2 -100%
2018 4 75%
2019 4 0%
2020 3 -33.33%
2021 6 40%
2022 6 0%
2023 5 0%
2023 5 0%
2024 5 -25%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Banner Corporation Free Cashflow
Year Free Cashflow Growth
1995 7.900.000
1996 10.900.000 27.52%
1997 5.500.000 -98.18%
1998 19.300.000 71.5%
2000 20.746.000 6.97%
2001 -20.446.000 201.47%
2002 35.955.000 156.87%
2003 28.296.000 -27.07%
2004 15.026.000 -88.31%
2005 3.675.000 -308.87%
2006 30.317.000 87.88%
2007 63.577.000 52.31%
2008 -13.086.000 585.84%
2009 66.244.000 119.75%
2010 112.352.000 41.04%
2011 97.726.000 -14.97%
2012 75.802.000 -28.92%
2013 87.155.000 13.03%
2014 92.131.000 5.4%
2015 4.145.000 -2122.7%
2016 -92.057.000 104.5%
2017 334.458.000 127.52%
2018 7.681.000 -4254.35%
2019 124.909.000 93.85%
2020 112.583.000 -10.95%
2021 291.085.000 61.32%
2022 223.327.000 -30.34%
2023 218.786.000 -2.08%
2023 65.476.000 -234.15%
2024 36.834.000 -77.76%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Banner Corporation Operating Cashflow
Year Operating Cashflow Growth
1995 9.200.000
1996 12.400.000 25.81%
1997 7.500.000 -65.33%
1998 22.400.000 66.52%
2000 24.633.000 9.07%
2001 -16.831.000 246.35%
2002 41.407.000 140.65%
2003 33.581.000 -23.3%
2004 35.472.000 5.33%
2005 19.723.000 -79.85%
2006 43.743.000 54.91%
2007 90.973.000 51.92%
2008 -2.892.000 3245.68%
2009 75.109.000 103.85%
2010 114.519.000 34.41%
2011 101.313.000 -13.03%
2012 81.415.000 -24.44%
2013 95.366.000 14.63%
2014 98.066.000 2.75%
2015 16.217.000 -504.71%
2016 -75.818.000 121.39%
2017 346.702.000 121.87%
2018 30.775.000 -1026.57%
2019 149.609.000 79.43%
2020 125.386.000 -19.32%
2021 301.578.000 58.42%
2022 238.051.000 -26.69%
2023 233.503.000 -1.95%
2023 71.597.000 -226.14%
2024 41.268.000 -73.49%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Banner Corporation Capital Expenditure
Year Capital Expenditure Growth
1995 1.300.000
1996 1.500.000 13.33%
1997 2.000.000 25%
1998 3.100.000 35.48%
2000 3.887.000 20.25%
2001 3.615.000 -7.52%
2002 5.452.000 33.69%
2003 5.285.000 -3.16%
2004 20.446.000 74.15%
2005 16.048.000 -27.41%
2006 13.426.000 -19.53%
2007 27.396.000 50.99%
2008 10.194.000 -168.75%
2009 8.865.000 -14.99%
2010 2.167.000 -309.09%
2011 3.587.000 39.59%
2012 5.613.000 36.09%
2013 8.211.000 31.64%
2014 5.935.000 -38.35%
2015 12.072.000 50.84%
2016 16.239.000 25.66%
2017 12.244.000 -32.63%
2018 23.094.000 46.98%
2019 24.700.000 6.5%
2020 12.803.000 -92.92%
2021 10.493.000 -22.01%
2022 14.724.000 28.74%
2023 14.717.000 -0.05%
2023 6.121.000 -140.43%
2024 4.434.000 -38.05%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Banner Corporation Equity
Year Equity Growth
1995 154.100.000
1996 148.600.000 -3.7%
1997 150.200.000 1.07%
1998 183.600.000 18.19%
1999 179.173.000 -2.47%
2000 193.795.000 7.55%
2001 192.340.000 -0.76%
2002 190.377.000 -1.03%
2003 202.800.000 6.13%
2004 215.220.000 5.77%
2005 221.665.000 2.91%
2006 250.227.000 11.41%
2007 437.846.000 42.85%
2008 433.348.000 -1.04%
2009 405.128.000 -6.97%
2010 511.472.000 20.79%
2011 532.450.000 3.94%
2012 506.919.000 -5.04%
2013 538.972.000 5.95%
2014 582.888.000 7.53%
2015 1.300.059.000 55.16%
2016 1.305.710.000 0.43%
2017 1.272.626.000 -2.6%
2018 1.478.595.000 13.93%
2019 1.594.034.000 7.24%
2020 1.666.264.000 4.33%
2021 1.690.327.000 1.42%
2022 1.456.432.000 -16.06%
2023 1.520.607.000 4.22%
2023 1.652.691.000 7.99%
2024 1.690.766.000 2.25%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Banner Corporation Assets
Year Assets Growth
1995 743.200.000
1996 1.007.600.000 26.24%
1997 1.154.100.000 12.69%
1998 1.631.900.000 29.28%
1999 1.820.110.000 10.34%
2000 1.982.831.000 8.21%
2001 2.087.094.000 5%
2002 2.263.172.000 7.78%
2003 2.635.313.000 14.12%
2004 2.897.067.000 9.04%
2005 3.040.555.000 4.72%
2006 3.495.566.000 13.02%
2007 4.492.658.000 22.19%
2008 4.584.368.000 2%
2009 4.722.221.000 2.92%
2010 4.406.082.000 -7.18%
2011 4.257.312.000 -3.49%
2012 4.265.564.000 0.19%
2013 4.388.898.000 2.81%
2014 4.723.163.000 7.08%
2015 9.796.298.000 51.79%
2016 9.793.668.000 -0.03%
2017 9.763.209.000 -0.31%
2018 11.871.317.000 17.76%
2019 12.604.031.000 5.81%
2020 15.031.623.000 16.15%
2021 16.804.872.000 10.55%
2022 15.833.431.000 -6.14%
2023 15.507.880.000 -2.1%
2023 15.703.359.000 1.24%
2024 15.816.194.000 0.71%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Banner Corporation Liabilities
Year Liabilities Growth
1995 589.100.000
1996 859.000.000 31.42%
1997 1.003.900.000 14.43%
1998 1.448.300.000 30.68%
1999 1.640.937.000 11.74%
2000 1.789.036.000 8.28%
2001 76.715.000 -2232.06%
2002 2.072.795.000 96.3%
2003 2.432.513.000 14.79%
2004 2.681.847.000 9.3%
2005 2.818.890.000 4.86%
2006 3.245.339.000 13.14%
2007 4.054.812.000 19.96%
2008 4.151.020.000 2.32%
2009 4.317.093.000 3.85%
2010 282.364.000 -1428.91%
2011 60.521.000 -366.56%
2012 83.367.000 27.4%
2013 101.178.000 17.6%
2014 110.251.000 8.23%
2015 225.861.000 51.19%
2016 149.416.000 -51.16%
2017 98.909.000 -51.06%
2018 654.280.000 84.88%
2019 569.304.000 -14.93%
2020 424.518.000 -34.11%
2021 328.135.000 -29.37%
2022 279.009.000 -17.61%
2023 536.114.000 47.96%
2023 14.050.668.000 96.18%
2024 14.125.428.000 0.53%

Banner Corporation Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
21.52
Net Income per Share
4.81
Price to Earning Ratio
12.29x
Price To Sales Ratio
2.74x
POCF Ratio
10.03
PFCF Ratio
10.86
Price to Book Ratio
1.21
EV to Sales
3.44
EV Over EBITDA
25.39
EV to Operating CashFlow
12.56
EV to FreeCashFlow
13.62
Earnings Yield
0.08
FreeCashFlow Yield
0.09
Market Cap
2,04 Bil.
Enterprise Value
2,55 Bil.
Graham Number
72.83
Graham NetNet
-532.22

Income Statement Metrics

Net Income per Share
4.81
Income Quality
1.23
ROE
0.1
Return On Assets
0.01
Return On Capital Employed
0.03
Net Income per EBT
0.81
EBT Per Ebit
0.96
Ebit per Revenue
0.29
Effective Tax Rate
0.19

Margins

Sales, General, & Administrative to Revenue
0.2
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0.01
Gross Profit Margin
0.98
Operating Profit Margin
0.29
Pretax Profit Margin
0.28
Net Profit Margin
0.22

Dividends

Dividend Yield
0.03
Dividend Yield %
3.25
Payout Ratio
0.4
Dividend Per Share
1.92

Operating Metrics

Operating Cashflow per Share
5.89
Free CashFlow per Share
5.43
Capex to Operating CashFlow
0.08
Capex to Revenue
0.02
Capex to Depreciation
0.74
Return on Invested Capital
0.07
Return on Tangible Assets
0.01
Days Sales Outstanding
33.2
Days Payables Outstanding
0
Days of Inventory on Hand
-287254.4
Receivables Turnover
10.99
Payables Turnover
0
Inventory Turnover
-0
Capex per Share
0.46

Balance Sheet

Cash per Share
70,90
Book Value per Share
49,02
Tangible Book Value per Share
38.08
Shareholders Equity per Share
49.02
Interest Debt per Share
25.28
Debt to Equity
0.43
Debt to Assets
0.05
Net Debt to EBITDA
5.14
Current Ratio
0.04
Tangible Asset Value
1,31 Bil.
Net Current Asset Value
-13,81 Bil.
Invested Capital
-7310362000
Working Capital
-7,85 Bil.
Intangibles to Total Assets
0.02
Average Receivables
0,07 Bil.
Average Payables
0,00 Bil.
Average Inventory
-13324411000
Debt to Market Cap
0.35

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Banner Corporation Dividends
Year Dividends Growth
1995 0
1996 0 0%
1997 0 0%
1998 0 0%
1999 0 0%
2000 1 0%
2001 1 0%
2002 1 0%
2003 1 0%
2004 1 0%
2005 1 0%
2006 1 0%
2007 1 0%
2008 1 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 1 0%
2014 1 0%
2015 1 0%
2016 1 0%
2017 2 100%
2018 2 0%
2019 2 0%
2020 3 50%
2021 2 -100%
2022 2 0%
2023 2 0%
2024 1 0%

Banner Corporation Profile

About Banner Corporation

Banner Corporation operates as the bank holding company for Banner Bank that provide commercial banking and financial products and services to individuals, businesses, and public sector entities in the United States. It accepts various deposit instruments, including interest-bearing and non-interest-bearing checking accounts, money market deposit accounts, regular savings accounts, and certificates of deposit, as well as treasury management services and retirement savings plans. The company also provides commercial real estate loans, including owner-occupied, investment properties, and multifamily residential real estate loans; construction, land, and land development loans; residential mortgage loans; commercial business loans; agricultural loans; and consumer and other loans, such as home equity lines of credit, automobile, and boat and recreational vehicle loans, as well as loans secured by deposit accounts. In addition, it engages in the mortgage banking operations through the origination and sale of one-to four-family and multi-family residential loans, as well as small business administration loans. Further, the company provides electronic and digital banking services. As of December 31, 2021, it operated 150 branch offices and 18 loan production offices located in Washington, Oregon, California, Idaho, and Utah. Banner Corporation was founded in 1890 and is headquartered in Walla Walla, Washington.

CEO
Mr. Mark J. Grescovich
Employee
1.966
Address
10 South First Avenue
Walla Walla, 99362

Banner Corporation Executives & BODs

Banner Corporation Executives & BODs
# Name Age
1 Mr. Mark J. Grescovich
President, Chief Executive Officer & Director
70
2 Mr. Scott Newman
Executive Vice President & Chief Audit Executive
70
3 Ms. Cynthia D. Purcell
Executive Vice President and Chief Strategy & Administration Officer of Banner Bank
70
4 Mr. Rich Arnold
Head of Investor Relations
70
5 Mr. James P. G. McLean
Executive Vice President & Commercial Real Estate Executive of Banner Bank
70
6 Mr. James M. Costa
Executive Vice President & Chief Risk Officer of Banner Bank
70
7 Ms. Sherrey Luetjen
Executive Vice President, General Counsel, Ethics Officer & Secretary
70
8 Mr. Robert G. Butterfield
Executive Vice President, Chief Financial Officer & Treasurer
70

Banner Corporation Competitors