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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 0.68
BANR's Cash to Debt is ranked higher than
67% of the 1259 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.42 vs. BANR: 0.68 )
BANR' s 10-Year Cash to Debt Range
Min: 0.04   Max: 1.92
Current: 0.68

0.04
1.92
Equity to Asset 0.12
BANR's Equity to Asset is ranked higher than
85% of the 1649 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.09 vs. BANR: 0.12 )
BANR' s 10-Year Equity to Asset Range
Min: 0.07   Max: 0.26
Current: 0.12

0.07
0.26
Interest Coverage 5.32
BANR's Interest Coverage is ranked higher than
92% of the 1447 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.20 vs. BANR: 5.32 )
BANR' s 10-Year Interest Coverage Range
Min: 0.13   Max: 5.32
Current: 5.32

0.13
5.32
F-Score: 5
Z-Score: 0.20
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 (%) 32.89
BANR's Operating margin (%) is ranked higher than
79% of the 1594 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 29.40 vs. BANR: 32.89 )
BANR' s 10-Year Operating margin (%) Range
Min: -72.06   Max: 47.69
Current: 32.89

-72.06
47.69
Net-margin (%) 22.16
BANR's Net-margin (%) is ranked higher than
76% of the 1613 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 21.45 vs. BANR: 22.16 )
BANR' s 10-Year Net-margin (%) Range
Min: -68.28   Max: 33.35
Current: 22.16

-68.28
33.35
ROE (%) 8.64
BANR's ROE (%) is ranked higher than
77% of the 1615 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.13 vs. BANR: 8.64 )
BANR' s 10-Year ROE (%) Range
Min: -29.54   Max: 12.8
Current: 8.64

-29.54
12.8
ROA (%) 1.06
BANR's ROA (%) is ranked higher than
85% of the 1616 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.75 vs. BANR: 1.06 )
BANR' s 10-Year ROA (%) Range
Min: -2.79   Max: 1.52
Current: 1.06

-2.79
1.52
ROC (Joel Greenblatt) (%) 76.53
BANR's ROC (Joel Greenblatt) (%) is ranked higher than
75% of the 1569 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 73.85 vs. BANR: 76.53 )
BANR' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -96.4   Max: 76.53
Current: 76.53

-96.4
76.53
Revenue Growth (%) -17.60
BANR's Revenue Growth (%) is ranked higher than
51% of the 1443 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.00 vs. BANR: -17.60 )
BANR' s 10-Year Revenue Growth (%) Range
Min: 0   Max: 45.3
Current: -17.6

0
45.3
» BANR's 10-Y Financials

Financials


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

» Details

Guru Trades

Q2 2013

BANR Guru Trades in Q2 2013

Paul Tudor Jones 11,100 sh (+20.65%)
Jim Simons 173,799 sh (+0.64%)
Donald Smith 425,544 sh (+0.01%)
Westport Asset Management 158,213 sh (unchged)
» More
Q3 2013

BANR Guru Trades in Q3 2013

Westport Asset Management 158,213 sh (unchged)
Paul Tudor Jones Sold Out
Donald Smith 425,403 sh (-0.03%)
Jim Simons 74,799 sh (-56.96%)
» More
Q4 2013

BANR Guru Trades in Q4 2013

Westport Asset Management 158,213 sh (unchged)
Jim Simons 21,899 sh (-70.72%)
Donald Smith 80,732 sh (-81.02%)
» More
Q1 2014

BANR Guru Trades in Q1 2014

RS Investment Management 110,661 sh (New)
Paul Tudor Jones 11,200 sh (New)
Steven Cohen 5,406 sh (New)
Westport Asset Management 158,213 sh (unchged)
Jim Simons Sold Out
Donald Smith 62,541 sh (-22.53%)
» More
» Details

Insider Trades

Latest Guru Trades with BANR

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
Donald Smith 2014-03-31 Reduce -22.53%0.02%$35.64 - $44.88 $ 40.03-1%62541
Donald Smith 2013-12-31 Reduce -81.02%0.28%$35.93 - $44.96 $ 40.03-1%80732
Donald Smith 2012-12-31 Reduce -24.44%0.12%$27.05 - $30.87 $ 40.0337%474980
Donald Smith 2012-09-30 Reduce -36.61%0.24%$20.15 - $27.15 $ 40.0372%628600
Donald Smith 2012-06-30 New Buy0.65%$18.27 - $22.49 $ 40.0398%991625
Premium More recent guru trades are included for Premium Members only!!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 17.20
BANR's P/E(ttm) is ranked higher than
68% of the 1833 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 15.40 vs. BANR: 17.20 )
BANR' s 10-Year P/E(ttm) Range
Min: 8.63   Max: 34.45
Current: 17.2

8.63
34.45
P/B 1.40
BANR's P/B is ranked higher than
63% of the 1833 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.15 vs. BANR: 1.40 )
BANR' s 10-Year P/B Range
Min: 0.11   Max: 2.37
Current: 1.4

0.11
2.37
P/S 3.69
BANR's P/S is ranked higher than
63% of the 1833 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.10 vs. BANR: 3.69 )
BANR' s 10-Year P/S Range
Min: 0.16   Max: 4.22
Current: 3.69

0.16
4.22
PFCF 9.20
BANR's PFCF is ranked higher than
78% of the 1833 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 26.04 vs. BANR: 9.20 )
BANR' s 10-Year PFCF Range
Min: 0.4   Max: 20.37
Current: 9.2

0.4
20.37
EV-to-EBIT 12.36
BANR's EV-to-EBIT is ranked higher than
81% of the 1833 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 18.36 vs. BANR: 12.36 )
BANR' s 10-Year EV-to-EBIT Range
Min: 0.1   Max: 101.5
Current: 12.36

0.1
101.5

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.65
BANR's Dividend Yield is ranked lower than
67% of the 1405 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.43 vs. BANR: 1.65 )
BANR' s 10-Year Dividend Yield Range
Min: 0.13   Max: 17.86
Current: 1.65

0.13
17.86
Dividend Payout 0.26
BANR's Dividend Payout is ranked higher than
86% of the 1833 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9999.00 vs. BANR: 0.26 )
BANR' s 10-Year Dividend Payout Range
Min: 0.01   Max: 1
Current: 0.26

0.01
1
Dividend growth (3y) 24.50
BANR's Dividend growth (3y) is ranked higher than
91% of the 962 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.70 vs. BANR: 24.50 )
BANR' s 10-Year Dividend growth (3y) Range
Min: -65.5   Max: 61.2
Current: 24.5

-65.5
61.2
Yield on cost (5-Year) 1.65
BANR's Yield on cost (5-Year) is ranked lower than
68% of the 1367 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.63 vs. BANR: 1.65 )
BANR' s 10-Year Yield on cost (5-Year) Range
Min: 0.13   Max: 17.33
Current: 1.65

0.13
17.33
Share Buyback Rate -26.10
BANR's Share Buyback Rate is ranked higher than
51% of the 1242 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -1.90 vs. BANR: -26.10 )
BANR' s 10-Year Share Buyback Rate Range
Min: 0.8   Max: -93.2
Current: -26.1

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.40
BANR's Price/Tangible Book is ranked higher than
68% of the 1833 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.35 vs. BANR: 1.40 )
BANR' s 10-Year Price/Tangible Book Range
Min: 0.17   Max: 2.55
Current: 1.4

0.17
2.55
Price/DCF (Projected) 0.70
BANR's Price/DCF (Projected) is ranked higher than
84% of the 1833 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.48 vs. BANR: 0.70 )
BANR' s 10-Year Price/DCF (Projected) Range
Min: 0.05   Max: 1.18
Current: 0.7

0.05
1.18
Price/Median PS Value 1.40
BANR's Price/Median PS Value is ranked higher than
57% of the 1833 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.11 vs. BANR: 1.40 )
BANR' s 10-Year Price/Median PS Value Range
Min: 0.07   Max: 2.74
Current: 1.4

0.07
2.74
Price/Graham Number 1.00
BANR's Price/Graham Number is ranked higher than
70% of the 1833 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.05 vs. BANR: 1.00 )
BANR' s 10-Year Price/Graham Number Range
Min: 0.53   Max: 1.69
Current: 1

0.53
1.69
Earnings Yield (Greenblatt) 8.00
BANR's Earnings Yield (Greenblatt) is ranked higher than
76% of the 1588 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.90 vs. BANR: 8.00 )
BANR' s 10-Year Earnings Yield (Greenblatt) Range
Min: 1   Max: 2486.4
Current: 8

1
2486.4
Forward Rate of Return (Yacktman) 28.06
BANR's Forward Rate of Return (Yacktman) is ranked higher than
84% of the 1260 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.98 vs. BANR: 28.06 )
BANR' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -7.8   Max: 172.9
Current: 28.06

-7.8
172.9

Business Description

Industry: Banks » Savings & Cooperative Banks
Compare:OCN, HOME, NYCB, PBCT, HCBK » details
Banner Corp is a bank holding company for Banner Bank and Islanders Bank. The company is mainly engaged in the business of planning, directing and coordinating the business activities of its wholly owned subsidiaries. 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. The company's 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. The company offers an array of loan products to meet the demands of its customers. Banner originates loans for its own loan portfolio and for sale in the secondary market. At both Banner Bank and Islanders Bank, the company originates loans secured by first mortgages on one- to four-family residences in the Northwest communities where it has offices. Banner Bank's mortgage lending subsidiary, CFC, provides residential lending mainly in the greater Portland, Oregon and Pasco, Washington market areas. The company 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 the company's mortgage banking activities, it sells residential loans on either a servicing-retained or servicing-released basis. Banner also makes land loans to developers, builders and individuals to finance the acquisition and/or development of improved lots or unimproved land. 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 2014
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Banner Corporation to Present at Keefe, Bruyette & Woods Community Bank Investor Conference Jul 24 2014
BANNER CORP Files SEC form 8-K, Results of Operations and Financial Condition, Financial Statements... Jul 23 2014
Banner Corporation Earns $17.0 Million, or $0.88 Per Diluted Share, in Second Quarter 2014; Second... Jul 23 2014
Q2 2014 Banner Corporation Earnings Release - After Market Close Jul 23 2014
BANNER CORP Files SEC form 8-K, Other Events, Financial Statements and Exhibits Jun 30 2014
Banner Announces Termination of Purchase Agreement With Idaho Banking Company Jun 30 2014
4:00 pm Banner announces termination of purchase agreement With Idaho Banking Company Jun 30 2014
BANNER CORP Files SEC form 8-K, Change in Directors or Principal Officers, Financial Statements and... Jun 25 2014
Banner Corporation Announces Quarterly Cash Dividend of $0.18 Per Share, Schedules 2Q14 Conference... Jun 25 2014
BANNER CORP Files SEC form 8-K, Other Events, Financial Statements and Exhibits Jun 23 2014
Banner Announces Completion of Branch Acquisition Jun 23 2014
BANNER CORP Financials May 29 2014
BANNER CORP Files SEC form 10-K/A, Annual Report May 21 2014
U.S. SBA Names Banner Bank the Top Community Bank Lender to Small Businesses in Seattle/Spokane... May 19 2014
BANNER CORP Files SEC form 8-K, Regulation FD Disclosure, Financial Statements and Exhibits May 13 2014
BANNER CORP Files SEC form 10-Q, Quarterly Report May 09 2014
Banner Corporation to Present at D.A. Davidson Financial Services Conference May 09 2014
BANNER CORP Files SEC form 8-K, Other Events, Financial Statements and Exhibits Apr 25 2014

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