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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

vs
industry
vs
history
Cash to Debt 1.64
BANR's Cash to Debt is ranked higher than
52% of the 970 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.49 vs. BANR: 1.64 )
Ranked among companies with meaningful Cash to Debt only.
BANR' s 10-Year Cash to Debt Range
Min: 0.04  Med: 0.20 Max: 1.92
Current: 1.64
0.04
1.92
Equity to Asset 0.13
BANR's Equity to Asset is ranked higher than
77% of the 1323 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. BANR: 0.13 )
Ranked among companies with meaningful Equity to Asset only.
BANR' s 10-Year Equity to Asset Range
Min: 0.07  Med: 0.10 Max: 0.26
Current: 0.13
0.07
0.26
Interest Coverage 7.45
BANR's Interest Coverage is ranked higher than
87% of the 1239 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.65 vs. BANR: 7.45 )
Ranked among companies with meaningful Interest Coverage only.
BANR' s 10-Year Interest Coverage Range
Min: 0.13  Med: 0.38 Max: 7.45
Current: 7.45
0.13
7.45
F-Score: 6
WACC vs ROIC
9.73%
9.32%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 5/10

vs
industry
vs
history
Operating margin (%) 34.17
BANR's Operating margin (%) is ranked higher than
61% of the 1388 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.90 vs. BANR: 34.17 )
Ranked among companies with meaningful Operating margin (%) only.
BANR' s 10-Year Operating margin (%) Range
Min: -72.06  Med: 23.81 Max: 47.69
Current: 34.17
-72.06
47.69
Net-margin (%) 22.92
BANR's Net-margin (%) is ranked higher than
55% of the 1388 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.60 vs. BANR: 22.92 )
Ranked among companies with meaningful Net-margin (%) only.
BANR' s 10-Year Net-margin (%) Range
Min: -68.28  Med: 18.35 Max: 33.35
Current: 22.92
-68.28
33.35
ROE (%) 9.54
BANR's ROE (%) is ranked higher than
60% of the 1390 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.16 vs. BANR: 9.54 )
Ranked among companies with meaningful ROE (%) only.
BANR' s 10-Year ROE (%) Range
Min: -29.58  Med: 8.48 Max: 13.37
Current: 9.54
-29.58
13.37
ROA (%) 1.16
BANR's ROA (%) is ranked higher than
71% of the 1399 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.84 vs. BANR: 1.16 )
Ranked among companies with meaningful ROA (%) only.
BANR' s 10-Year ROA (%) Range
Min: -2.82  Med: 0.81 Max: 1.52
Current: 1.16
-2.82
1.52
ROC (Joel Greenblatt) (%) 89.81
BANR's ROC (Joel Greenblatt) (%) is ranked higher than
55% of the 1381 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 76.24 vs. BANR: 89.81 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
BANR' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -88.04  Med: 9.53 Max: 88.6
Current: 89.81
-88.04
88.6
Revenue Growth (3Y)(%) 0.60
BANR's Revenue Growth (3Y)(%) is ranked lower than
58% of the 1174 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.00 vs. BANR: 0.60 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
BANR' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0  Med: 2.85 Max: 45.3
Current: 0.6
0
45.3
EBITDA Growth (3Y)(%) 68.20
BANR's EBITDA Growth (3Y)(%) is ranked higher than
97% of the 1035 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. BANR: 68.20 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
BANR' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0  Med: 11.40 Max: 68.2
Current: 68.2
0
68.2
» BANR's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q2 2014

BANR Guru Trades in Q2 2014

RS Investment Management 466,477 sh (+321.54%)
Donald Smith 62,541 sh (unchged)
Paul Tudor Jones Sold Out
Westport Asset Management 143,213 sh (-9.48%)
» More
Q3 2014

BANR Guru Trades in Q3 2014

Paul Tudor Jones 7,600 sh (New)
Jim Simons 31,300 sh (New)
Donald Smith Sold Out
RS Investment Management 458,118 sh (-1.79%)
Westport Asset Management 83,133 sh (-41.95%)
» More
Q4 2014

BANR Guru Trades in Q4 2014

Jim Simons 88,800 sh (+183.71%)
RS Investment Management 458,507 sh (+0.08%)
Westport Asset Management 83,133 sh (unchged)
Paul Tudor Jones Sold Out
» More
Q1 2015

BANR Guru Trades in Q1 2015

Jim Simons 170,099 sh (+91.55%)
RS Investment Management Sold Out
Westport Asset Management 53,580 sh (-35.55%)
» More
» Details

Insider Trades

Latest Guru Trades with BANR

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Ratios

vs
industry
vs
history
P/E(ttm) 16.66
BANR's P/E(ttm) is ranked lower than
65% of the 1251 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.80 vs. BANR: 16.66 )
Ranked among companies with meaningful P/E(ttm) only.
BANR' s 10-Year P/E(ttm) Range
Min: 8.63  Med: 15.66 Max: 34.45
Current: 16.66
8.63
34.45
Forward P/E 14.51
BANR's Forward P/E is ranked lower than
71% of the 710 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.17 vs. BANR: 14.51 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 16.50
BANR's PE(NRI) is ranked lower than
64% of the 1248 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.80 vs. BANR: 16.50 )
Ranked among companies with meaningful PE(NRI) only.
BANR' s 10-Year PE(NRI) Range
Min: 8.63  Med: 15.66 Max: 34.45
Current: 16.5
8.63
34.45
P/B 1.41
BANR's P/B is ranked lower than
72% of the 1349 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. BANR: 1.41 )
Ranked among companies with meaningful P/B only.
BANR' s 10-Year P/B Range
Min: 0.11  Med: 1.19 Max: 2.37
Current: 1.41
0.11
2.37
P/S 3.83
BANR's P/S is ranked lower than
66% of the 1371 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.99 vs. BANR: 3.83 )
Ranked among companies with meaningful P/S only.
BANR' s 10-Year P/S Range
Min: 0.18  Med: 2.70 Max: 4.22
Current: 3.83
0.18
4.22
PFCF 11.98
BANR's PFCF is ranked lower than
52% of the 803 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.27 vs. BANR: 11.98 )
Ranked among companies with meaningful PFCF only.
BANR' s 10-Year PFCF Range
Min: 0.4  Med: 8.81 Max: 107.57
Current: 11.98
0.4
107.57
POCF 11.08
BANR's POCF is ranked lower than
56% of the 916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.79 vs. BANR: 11.08 )
Ranked among companies with meaningful POCF only.
BANR' s 10-Year POCF Range
Min: 0.43  Med: 7.47 Max: 20.37
Current: 11.08
0.43
20.37
EV-to-EBIT 10.57
BANR's EV-to-EBIT is ranked higher than
68% of the 1255 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.99 vs. BANR: 10.57 )
Ranked among companies with meaningful EV-to-EBIT only.
BANR' s 10-Year EV-to-EBIT Range
Min: -43.9  Med: 11.80 Max: 101.5
Current: 10.57
-43.9
101.5
Days Sales Outstanding 29.02
BANR's Days Sales Outstanding is ranked higher than
59% of the 769 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 33.98 vs. BANR: 29.02 )
Ranked among companies with meaningful Days Sales Outstanding only.
BANR' s 10-Year Days Sales Outstanding Range
Min: 23.82  Med: 54.31 Max: 84.8
Current: 29.02
23.82
84.8

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.51
BANR's Dividend Yield is ranked lower than
75% of the 2204 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.60 vs. BANR: 1.51 )
Ranked among companies with meaningful Dividend Yield only.
BANR' s 10-Year Dividend Yield Range
Min: 0.13  Med: 1.78 Max: 17.86
Current: 1.51
0.13
17.86
Dividend Payout 0.25
BANR's Dividend Payout is ranked higher than
66% of the 1287 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. BANR: 0.25 )
Ranked among companies with meaningful Dividend Payout only.
BANR' s 10-Year Dividend Payout Range
Min: 0.01  Med: 0.30 Max: 1
Current: 0.25
0.01
1
Dividend growth (3y) 61.80
BANR's Dividend growth (3y) is ranked higher than
94% of the 657 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.50 vs. BANR: 61.80 )
Ranked among companies with meaningful Dividend growth (3y) only.
BANR' s 10-Year Dividend growth (3y) Range
Min: -65.5  Med: 5.55 Max: 61.8
Current: 61.8
-65.5
61.8
Yield on cost (5-Year) 3.94
BANR's Yield on cost (5-Year) is ranked higher than
63% of the 2195 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.03 vs. BANR: 3.94 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
BANR' s 10-Year Yield on cost (5-Year) Range
Min: 0.34  Med: 4.62 Max: 46.32
Current: 3.94
0.34
46.32
Share Buyback Rate -5.10
BANR's Share Buyback Rate is ranked lower than
65% of the 997 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.90 vs. BANR: -5.10 )
Ranked among companies with meaningful Share Buyback Rate only.
BANR' s 10-Year Share Buyback Rate Range
Min: 0.8  Med: -4.05 Max: -93.2
Current: -5.1

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.50
BANR's Price/Tangible Book is ranked lower than
67% of the 1328 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.18 vs. BANR: 1.50 )
Ranked among companies with meaningful Price/Tangible Book only.
BANR' s 10-Year Price/Tangible Book Range
Min: 0.17  Med: 1.43 Max: 2.55
Current: 1.5
0.17
2.55
Price/Projected FCF 0.72
BANR's Price/Projected FCF is ranked lower than
52% of the 775 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.67 vs. BANR: 0.72 )
Ranked among companies with meaningful Price/Projected FCF only.
BANR' s 10-Year Price/Projected FCF Range
Min: 0.06  Med: 0.68 Max: 1.51
Current: 0.72
0.06
1.51
Price/Median PS Value 1.42
BANR's Price/Median PS Value is ranked lower than
81% of the 1280 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.09 vs. BANR: 1.42 )
Ranked among companies with meaningful Price/Median PS Value only.
BANR' s 10-Year Price/Median PS Value Range
Min: 0.08  Med: 1.10 Max: 2.69
Current: 1.42
0.08
2.69
Price/Peter Lynch Fair Value 0.20
BANR's Price/Peter Lynch Fair Value is ranked lower than
630% of the 358 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.98 vs. BANR: 0.20 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
BANR' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.63  Med: 2.45 Max: 3.95
Current: 0.2
0.63
3.95
Price/Graham Number 1.05
BANR's Price/Graham Number is ranked lower than
66% of the 1155 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.86 vs. BANR: 1.05 )
Ranked among companies with meaningful Price/Graham Number only.
BANR' s 10-Year Price/Graham Number Range
Min: 0.53  Med: 1.16 Max: 1.68
Current: 1.05
0.53
1.68
Earnings Yield (Greenblatt) (%) 9.51
BANR's Earnings Yield (Greenblatt) (%) is ranked higher than
71% of the 1372 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.70 vs. BANR: 9.51 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
BANR' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 1  Med: 7.10 Max: 6030.1
Current: 9.51
1
6030.1
Forward Rate of Return (Yacktman) (%) 45.05
BANR's Forward Rate of Return (Yacktman) (%) is ranked higher than
88% of the 765 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.43 vs. BANR: 45.05 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
BANR' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: -0.1  Med: 28.30 Max: 156.8
Current: 45.05
-0.1
156.8

Business Description

Industry: Banks » Banks - Regional - US
Compare:OCN, HOME, NYCB, PBCT, HCBK » details
Banner Corp is a bank holding company incorporated in the State of Washington. The Company is mainly engaged in the business of planning, directing and coordinating the business activities of its wholly owned subsidiaries, Banner Bank and Islanders Bank. Banner Bank is a regional bank which offers a variety of commercial banking services and financial products to individuals, businesses and public sector entities in its primary market areas. Islanders Bank is a community bank which offers similar banking services to individuals, businesses and public entities located in the San Juan Islands. Banner Bank operates approximately 85 branch offices and eight loan production offices located in Washington, Oregon and Idaho. Islanders Bank operates three locations in San Juan County, Washington. The Company's subsidiaries primary business is that of traditional financial institutions, accepting deposits and originating loans in locations surrounding its offices in portions of Washington, Oregon and Idaho. Banner Bank is also an active participant in the secondary market, engaging in mortgage banking operations largely through the origination and sale of one to four-family residential loans. Lending activities include commercial business and commercial real estate loans, agriculture business loans, construction and land development loans, one- to four-family residential loans and consumer loans. A portion of Banner Bank's construction and mortgage lending activities are conducted through its subsidiary, Community Financial Corporation, which is located in the Lake Oswego area of Portland, Oregon. All of Banner's lending activities are conducted through Banner Bank, its subsidiary, Community Financial Corporation, and Islanders Bank. Banner Bank's mortgage lending subsidiary, CFC, provides residential lending mainly in the greater Portland, Oregon and Pasco, Washington market areas. The Company's subsidiaries offers fixed- and adjustable-rate mortgages at rates and terms competitive with market conditions, mainly with the intent of selling these loans into the secondary market. Fixed-rate loans generally are offered on a fully amortizing basis for terms ranging from 10 to 30 years at interest rates and fees that reflect current secondary market pricing. Through its mortgage banking activities, it sells residential loans on either a servicing-retained or servicing-released basis. As state-chartered, federally insured commercial banks, Banner Bank and Islanders Bank (the Banks) are subject to extensive regulation and must comply with various statutory and regulatory requirements, including prescribed minimum capital standards. It is subject to federal and state banking laws and regulations.
» More Articles for BANR

Headlines

Articles On GuruFocus.com
5 Top Dividend Stocks With Fresh New Dividend Hikes Sep 29 2013 
My Three Favorite Stocks With Recent Dividend Growth Mar 31 2013 
Dividend Roundup: BANR, NOV, AMN, MRO, MPC, OZRK Jul 06 2011 
Banner Corp. Reports Operating Results (10-K) Mar 11 2011 
Opportunities in Micro Cap Financials Nov 26 2010 
View on BANR Jul 16 2010 
Banner Corp. (BANR) CEO D Michael Jones buys 75,000 Shares Jun 28 2010 
Banner Corp. Reports Operating Results (10-Q/A) Nov 25 2009 
Banner Corp. Reports Operating Results (10-Q) Nov 09 2009 
Banner Corp. Reports Operating Results (10-Q) Aug 08 2009 

More From Other Websites
BANNER CORP Files SEC form 8-K, Regulation FD Disclosure, Financial Statements and Exhibits Jul 28 2015
Banner Corporation to Present at Keefe, Bruyette & Woods Community Bank Investor Conference Jul 24 2015
Edited Transcript of BANR earnings conference call or presentation 21-Jul-15 3:00pm GMT Jul 21 2015
BANNER CORP Files SEC form 8-K, Results of Operations and Financial Condition, Financial Statements... Jul 21 2015
Banner tops Street 2Q forecasts Jul 20 2015
Banner tops Street 2Q forecasts Jul 20 2015
Banner Corporation Earns $13.2 Million, or $0.64 Per Diluted Share, in Second Quarter 2015;... Jul 20 2015
Q2 2015 Banner Corp Earnings Release - After Market Close Jul 20 2015
Washington Federal Q2 Earnings Beat Estimates, Costs Up - Analyst Blog Jul 16 2015
Should You Buy Banner Corporation (BANR) Ahead of Earnings? - Tale of the Tape Jul 16 2015
FBR Sees Banner Corp. Worth $50/Share, Says Earnings Growth Potential Is Solid Jul 08 2015
Coverage initiated on Banner by FBR Capital Jul 08 2015
Banner Corporation Declares Quarterly Cash Dividend of $0.18 Per Share, Schedules 2Q15 Conference... Jun 24 2015
U.S. SBA Recognizes Banner Bank as Top Regional Bank Lender to Small Businesses in Seattle District Jun 04 2015
BANNER CORP Files SEC form 8-K, Entry into a Material Definitive Agreement, Financial Statements and... May 19 2015
BANNER CORP Financials May 15 2015
BANNER CORP Files SEC form 8-K, Regulation FD Disclosure, Financial Statements and Exhibits May 11 2015
Banner Corporation to Present at the D.A. Davidson Financial Institutions Conference May 11 2015
10-Q for Banner Corp. May 10 2015
BANNER CORP Files SEC form 10-Q, Quarterly Report May 08 2015

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