Banner Corporation Fundamental Analysis (NASDAQ: BANR)
Banner Corporation (NASDAQ: BANR) shows moderate financial fundamentals with a PE ratio of 11.39, profit margin of 31.24%, and ROE of 10.65%. The company generates $0.7B in annual revenue with weak year-over-year growth of -0.95%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 64.5/100 based on profitability, valuation, growth, and balance sheet metrics. The C+ grade reflects average fundamentals, with notable risks in certain areas.
Fundamental Health Score
We analyze BANR's fundamental strength across five key dimensions:
Efficiency Score
WeakBANR struggles to generate sufficient returns from assets.
Valuation Score
ExcellentBANR trades at attractive valuation levels.
Growth Score
ModerateBANR shows steady but slowing expansion.
Financial Health Score
ExcellentBANR maintains a strong and stable balance sheet.
Profitability Score
ModerateBANR maintains healthy but balanced margins.
Key Financial Metrics
Is BANR Expensive or Cheap?
P/E Ratio
BANR trades at 11.39 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, BANR's PEG of 0.73 indicates potential undervaluation.
Price to Book
The market values Banner Corporation at 1.18 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 14.99 times EBITDA. This signals the market has high growth expectations.
How Well Does BANR Make Money?
Net Profit Margin
For every $100 in sales, Banner Corporation keeps $31.24 as profit after all expenses.
Operating Margin
Core operations generate 19.43 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $10.65 in profit for every $100 of shareholder equity.
ROA
Banner Corporation generates $1.26 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
Banner Corporation generates strong operating cash flow of $293.89M, reflecting robust business health.
Free Cash Flow
Banner Corporation generates strong free cash flow of $284.83M, providing ample flexibility for dividends, buybacks, or growth.
FCF Per Share
Each share generates $8.38 in free cash annually.
FCF Yield
BANR converts 12.10% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
11.39
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
0.73
vs 25 benchmark
P/B Ratio
Price to book value ratio
1.18
vs 25 benchmark
P/S Ratio
Price to sales ratio
3.54
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.27
vs 25 benchmark
Current Ratio
Current assets to current liabilities
2.45
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.11
vs 25 benchmark
ROA
Return on assets percentage
0.01
vs 25 benchmark
ROCE
Return on capital employed
0.008
vs 25 benchmark
How BANR Stacks Against Its Sector Peers
| Metric | BANR Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 11.39 | 20.65 | Better (Cheaper) |
| ROE | 10.65% | 646.00% | Weak |
| Net Margin | 31.24% | -1501.00% (disorted) | Strong |
| Debt/Equity | 0.27 | 0.88 | Strong (Low Leverage) |
| Current Ratio | 2.45 | 829.12 | Strong Liquidity |
| ROA | 1.26% | -568.00% (disorted) | Weak |
BANR outperforms its industry in 4 out of 6 key metrics, particularly excelling in Net Margin, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews Banner Corporation's 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
32.70%
Industry Style: Value, Dividend, Cyclical
High GrowthEPS CAGR
73.71%
Industry Style: Value, Dividend, Cyclical
High GrowthFCF CAGR
111.64%
Industry Style: Value, Dividend, Cyclical
High Growth