10 Year Financial Data of Banner Corp (BANR)

33.83 (1y: +75%)

Market Cap	651.39 M	P/E(ttm)	10.10
Enterprise Value	813.33 M	P/B	1.30

BANR- NAS (USA)
Banner Corp

Currently 1/5

Business Predictability Rank: 1-Star
Back Testing Results:
Average gain of all 1-Star stocks: 1.1% per year.
% of Stocks that are in still loss if held for 10yrs: 45%.
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$33.83

2 Severe Warning Signs 2 Medium Warning Signs

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Annual Rates (per share)	10 yrs*	5 yrs*	12 months*
Revenue Growth (%)	-19.3	-44.5	-15.4
EBITDA Growth (%)	0	0	54.2
Free Cash Flow Growth (%)	0	0	-8.2
Book Value Growth (%)	-15.7	-15.7	-13.9

*12-month growth rate is calculated with the per share revenue (EBITDA, FCF, earnings) of the last 12 months over the per share revenue (EBITDA, FCF, earnings) over the previous 12 months. 5-year and 10-year growth rates are calculated with least-square regression based on the 5-year and 10-year numbers.

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See this page for the explanation of the data and charts * All numbers are in millions except for per share data

Per Share Data	Annuals											Quarterly
Fiscal Period	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	TTM	Mar12	Jun12	Sep12	Dec12	Mar13

Revenue per Share ($)	62.69	67.67	69.82	84.42	88.86	80.86	70.67	19.34	11.85	10.39	10.06	2.93	1.80	2.82	2.82	2.62
EBITDA per Share	19.33	19.38	12.77	30.73	29.77	-53.73	-18.92	-3.33	0.97	2.67	2.96	0.65	-0.29	1.15	1.11	0.99
Free Cashflow per Share	21.01	21.19	12.04	26.07	42.95	-1.25	24.87	11.62	5.83	4.05	4.28	1.01	1.11	1.38	0.55	1.24
Earnings per Share ($)	10.08	11.55	7.28	18.41	17.43	-55.58	-16.31	-7.21	-0.15	3.16	3.35	0.40	1.27	0.79	0.69	0.60
Dividends Per Share	4.27	4.55	4.83	5.11	5.39	3.50	0.21	0.28	0.17	0.04	0.15	0.01	0.01	0.01	0.01	0.12
Book Value per Share	127	129	130	143	207	187	152	52.92	31.78	27.07	26.57	30.85	31.84	29.35	26.10	26.57
Month End Stock Price	176	218	218	310	201	65.87	18.76	16.24	17.15	30.73	31.83	22.03	21.91	27.15	30.73	31.83
Ratios	Annuals											Quarterly
Fiscal Period	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	Latest Q.	Mar12	Jun12	Sep12	Dec12	Mar13

Return on Equity %	7.90	9.00	5.60	12.90	8.40	-29.50	-8.80	-12.10	1.00	12.80	8.80	6.80	17.20	11.20	11.60	8.80
Return on Assets %	0.60	0.70	0.40	0.90	0.80	-2.80	-0.80	-1.40	0.10	1.50	1.20	0.80	2.40	1.60	1.20	1.20
Return on Capital - Joel Greenblatt %	6.90	7.90	10.60	17.90	32.90	-106	--	--	4.90	--	319	--	--	--	--	319
Debt to Equity	3.64	3.36	2.07	1.62	0.85	0.74	1.02	0.52	0.40	0.32	0.31	0.28	0.29	0.29	0.32	0.31

Operating Margin %	23.00	24.70	14.10	32.30	29.10	-72.10	-33.40	-23.50	2.70	20.60	33.10	17.60	-19.40	33.10	35.20	33.10
Net Margin %	16.10	17.10	10.40	21.80	19.60	-68.30	-19.00	-33.10	2.70	33.30	22.70	17.60	76.40	28.70	26.80	22.70

Debt to Revenue	7.37	6.39	3.85	2.74	1.98	1.70	2.20	1.43	1.07	0.82	3.18	2.90	5.15	3.05	2.92	3.18
Interest Exp. to Revenue %	80.45	85.02	91.16	86.05	79.50	78.72	76.79	84.41	82.88	86.17	80.39	78.94	127	78.52	75.73	80.39

Asset Turnover	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.05	0.05	0.01	0.01	0.01	0.01	0.01	0.01
Buyback Ratio	--	--	--	--	--	--	41.20	--	-395	-56.00	--	-96.60	-58.00	-81.30	--	--
Dividend Payout Ratio	0.42	0.39	0.66	0.28	0.31	--	--	--	0.52	0.01	0.20	0.02	0.01	0.01	0.01	0.20
Income Statement	Annuals (USD $) View: $ %											Quarterly
Fiscal Period	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	TTM	Mar12	Jun12	Sep12	Dec12	Mar13

Net Interest Income	80.59	96.32	109	127	150	148	145	158	165	168	167	41.13	42.29	42.70	41.53	40.97
Non Interest Income	19.58	16.97	10.54	20.58	38.58	39.89	43.69	29.15	33.99	26.90	25.93	10.97	-9.06	11.68	13.31	10.00
Revenue	100	113	119	147	188	187	188	187	199	195	193	52.10	33.23	54.38	54.85	50.97

Selling, General, &Admin. Expense	50.41	57.24	66.65	72.56	84.29	82.78	98.94	96.77	104	105	105	27.37	26.18	26.77	24.78	26.90
Credit Losses Provision	7.30	5.64	4.90	5.50	5.90	62.50	109	70.00	35.00	13.00	8.00	5.00	4.00	3.00	1.00	--
Other Expenses	11.59	17.96	25.95	15.74	34.97	167	30.72	52.37	43.40	26.47	23.24	8.08	8.48	2.42	7.49	4.84
Earnings Before DDA	30.88	32.44	21.82	53.68	63.05	-125	-50.40	-32.22	16.33	49.98	57.56	11.64	-5.44	22.20	21.58	19.22

Depreciation, Depletion and Amortization	7.88	4.52	4.95	6.08	8.23	10.53	12.42	11.67	10.87	9.88	9.78	2.46	1.00	4.17	2.25	2.36

Operating Income	23.00	27.93	16.88	47.60	54.81	-135	-62.82	-43.88	5.46	40.10	47.78	9.18	-6.44	18.03	19.33	16.87
Net Income	16.11	19.34	12.44	32.16	36.92	-128	-35.76	-61.90	5.46	64.88	67.28	9.18	25.39	15.62	14.69	11.58

Preferred dividends	--	--	--	--	--	--	7.69	7.79	7.90	8.24	6.23	2.00	2.00	2.44	1.79	--
Earnings per Share ($)	10.08	11.55	7.28	18.41	17.43	-55.58	-16.31	-7.21	-0.15	3.16	3.35	0.40	1.27	0.79	0.69	0.60
Total Shares Outstanding	1.60	1.67	1.71	1.75	2.12	2.32	2.66	9.67	16.75	18.72	19.42	17.79	18.44	19.29	19.43	19.42
Balance Sheet	Annuals (USD $) View: $ %											Quarterly
Fiscal Period	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	Latest Q.	Mar12	Jun12	Sep12	Dec12	Mar13

Cash and cash equivalents	77.30	51.77	116	73.39	98.43	103	323	362	132	181	156	200	189	204	181	156
Money Market Investments	34.69	35.70	35.84	35.84	37.37	37.37	--	--	--	--	--	--	--	--	--	--
Net Loan	1,701	2,063	2,409	2,930	3,764	3,886	3,695	3,306	3,213	3,158	3,163	3,148	3,132	3,135	3,158	3,163
Securities & Investments	702	598	311	274	256	317	318	368	622	631	633	541	597	621	631	633
Accounts Receivable	13.41	15.10	17.40	23.27	26.59	30.89	36.43	28.91	15.57	13.93	15.24	16.05	14.66	16.12	13.93	15.24
Property, Plant and Equipment	22.82	39.32	50.21	58.00	98.10	119	104	96.50	91.44	89.12	88.41	90.11	90.23	89.20	89.12	88.41
Intangible Assets	36.51	36.37	36.28	36.29	138	13.72	11.07	8.61	6.33	4.23	3.72	5.78	5.25	4.74	4.23	3.72
Other Assets	47.54	57.83	64.32	64.29	74.35	77.03	236	237	176	188	178	160	193	199	188	178
Total Assets	2,635	2,897	3,041	3,496	4,493	4,584	4,722	4,406	4,257	4,266	4,238	4,161	4,221	4,269	4,266	4,238

Total Deposits	1,671	1,926	2,323	2,795	3,621	3,779	3,866	3,591	3,476	3,558	3,521	3,426	3,426	3,486	3,558	3,521
Accounts Payable	0.18	1.86	--	2.50	--	--	--	--	--	26.39	24.16	--	--	--	26.39	24.16
Current Portion of Long-Term Debt	390	368	226	281	167	111	177	176	152	76.63	88.45	91.25	90.03	82.28	76.63	88.45
Long-Term Debt	349	356	234	124	205	207	237	91.95	60.52	83.37	73.50	59.84	80.98	83.44	83.37	73.50
Other liabilities	22.70	30.24	35.76	43.91	62.18	53.75	37.23	35.65	36.56	14.45	14.88	34.72	37.48	50.48	14.45	14.88
Total Liabilities	2,433	2,682	2,819	3,245	4,055	4,151	4,317	3,895	3,725	3,759	3,722	3,612	3,634	3,703	3,759	3,722

Common Stock	123	127	131	135	300	317	330	509	531	568	568	540	555	568	568	568
Preferred Stock	--	--	--	--	--	116	117	119	121	--	--	121	122	72.24	--	--
Retained Earnings	80.29	92.33	96.78	120	140	2.15	-42.08	-115	-119	-61.10	-51.85	-112	-89.27	-74.21	-61.10	-51.85
Total Equity	203	215	222	250	438	433	405	511	532	507	516	549	587	566	507	516
Cashflow Statement	Annuals (USD $) View: $ %											Quarterly
Fiscal Period	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	TTM	Mar12	Jun12	Sep12	Dec12	Mar13

Net Income	16.11	19.34	12.44	32.16	36.92	-128	-35.76	-61.90	5.46	64.88	67.28	9.18	25.39	15.62	14.69	11.58
Depreciation, Depletion and Amortization	7.88	4.52	4.95	6.08	8.23	10.53	12.42	11.67	10.87	9.88	9.78	2.46	1.00	4.17	2.25	2.36
Cash Flow from Others	9.59	11.62	3.19	7.31	45.82	115	98.45	165	84.99	6.65	11.04	6.85	-5.32	9.50	-4.38	11.25
Cash Flow from Operations	33.58	35.47	20.58	45.55	90.97	-2.89	75.11	115	101	81.42	88.10	18.50	21.07	29.29	12.56	25.18

Investment for Property, Plant & Equipement	--	--	--	--	--	--	-8.87	-2.17	-3.59	-5.61	-6.16	-0.59	-0.60	-2.64	-1.79	-1.13
Cash Flow from Investing	-449	-298	-84.12	-500	-279	-268	-59.83	176	-171	52.48	-115	152	-42.87	-30.02	-26.52	-15.17

Net Issuance of Stock	3.11	4.31	3.46	4.44	-0.38	-13.67	14.72	--	21.56	36.32	27.45	8.87	14.74	12.70	0.00	0.00
Net Issuance of Preferred Stock	--	--	--	--	--	124	-0.05	--	--	-122	-122	--	--	-48.51	-73.01	--
Net Issuance of Debt	190	-15.32	-265	-56.27	-79.53	-4.53	111	-147	-56.50	-75.50	-12.81	-60.88	-1.22	-7.76	-5.64	1.81
Cash Flow for Dividends	-6.49	-7.11	-7.85	-8.55	-10.60	-10.39	-7.50	-8.87	-8.83	-6.47	-4.94	-1.73	-1.73	-1.74	-1.28	-0.20
Other Financing	173	255	397	471	304	180	86.70	-96.51	-116	82.15	94.41	-49.48	-0.42	60.62	71.43	-37.22
Cash Flow from Financing	360	237	128	411	213	275	205	-252	-159	-85.03	-17.42	-103	11.36	15.32	-8.50	-35.60

Net Change in Cash	-55.61	-25.53	64.68	-43.06	25.05	4.32	220	38.65	-229	48.86	-43.90	67.17	-10.43	14.58	-22.46	-25.58

Free Cash Flow	33.58	35.47	20.58	45.55	90.97	-2.89	66.24	112	97.73	75.80	81.94	17.91	20.47	26.65	10.77	24.05
Valuation Ratios (Daily)	Annuals											Quarterly
Fiscal Period	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	Latest Q.	Mar12	Jun12	Sep12	Dec12	Mar13

PE Ratio(ttm)
Price to Tangible Book
Price-to-Free-Cash-Flow ratio
PS Ratio
EV-to-Revenue
EV-to-EBITDA
EV-to-EBIT
Earnings Yield (Joel Greenblatt)
Forward Rate of Return
Shiller PE Ratio
Valuation and Quality	Annuals											Quarterly
Fiscal Period	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	Latest Q.	Mar12	Jun12	Sep12	Dec12	Mar13

Market Cap
Enterprise Value
Month End Stock Price
Net Cash (per share)
Net Current Asset Value (per share)
DCF (per share)
Median PS (per share)
Peter Lynch Fair Value (per share)
Graham Number (per share)
Altman Z-Score
Piotroski F-Score

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BANR Quarterly/Annuals Reports

BANR: 10-Q - BANNER CORP (0000946673) (Filer): (10-Q) - 2012-11-06
BANR: 10-Q - BANNER CORP (0000946673) (Filer): (10-Q) - 2012-08-09
BANR: 10-Q - BANNER CORP (0000946673) (Filer): (10-Q) - 2012-05-09
BANR: 10-K - BANNER CORP (0000946673) (Filer): (10-K) - 2012-03-13

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