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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 : 5/10

vs
industry
vs
history
Cash-to-Debt 0.52
BANR's Cash-to-Debt is ranked lower than
60% of the 1639 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.05 vs. BANR: 0.52 )
Ranked among companies with meaningful Cash-to-Debt only.
BANR' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.04  Med: 0.26 Max: 1.92
Current: 0.52
0.04
1.92
Equity-to-Asset 0.13
BANR's Equity-to-Asset is ranked higher than
76% of the 1624 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 Equity-to-Asset Range Over the Past 10 Years
Min: 0.07  Med: 0.11 Max: 0.26
Current: 0.13
0.07
0.26
Debt-to-Equity 0.35
BANR's Debt-to-Equity is ranked higher than
79% of the 1247 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.63 vs. BANR: 0.35 )
Ranked among companies with meaningful Debt-to-Equity only.
BANR' s Debt-to-Equity Range Over the Past 10 Years
Min: 0.16  Med: 1.09 Max: 3.64
Current: 0.35
0.16
3.64
Debt-to-EBITDA 2.81
BANR's Debt-to-EBITDA is ranked higher than
77% of the 1255 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.03 vs. BANR: 2.81 )
Ranked among companies with meaningful Debt-to-EBITDA only.
BANR' s Debt-to-EBITDA Range Over the Past 10 Years
Min: -8.31  Med: 2.18 Max: 13.03
Current: 2.81
-8.31
13.03
Interest Coverage 8.09
BANR's Interest Coverage is ranked higher than
88% of the 1562 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.72 vs. BANR: 8.09 )
Ranked among companies with meaningful Interest Coverage only.
BANR' s Interest Coverage Range Over the Past 10 Years
Min: 0.17  Med: 5.42 Max: 8.09
Current: 8.09
0.17
8.09
Beneish M-Score: -2.63
WACC vs ROIC
6.87%
7.23%
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 : 6/10

vs
industry
vs
history
Operating Margin % 30.43
BANR's Operating Margin % is ranked lower than
54% of the 1650 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 32.07 vs. BANR: 30.43 )
Ranked among companies with meaningful Operating Margin % only.
BANR' s Operating Margin % Range Over the Past 10 Years
Min: -72.06  Med: 21.47 Max: 34.54
Current: 30.43
-72.06
34.54
Net Margin % 20.45
BANR's Net Margin % is ranked lower than
60% of the 1650 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.99 vs. BANR: 20.45 )
Ranked among companies with meaningful Net Margin % only.
BANR' s Net Margin % Range Over the Past 10 Years
Min: -68.28  Med: 16.74 Max: 33.35
Current: 20.45
-68.28
33.35
ROE % 7.36
BANR's ROE % is ranked lower than
62% of the 1653 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.60 vs. BANR: 7.36 )
Ranked among companies with meaningful ROE % only.
BANR' s ROE % Range Over the Past 10 Years
Min: -29.58  Med: 5.68 Max: 11.38
Current: 7.36
-29.58
11.38
ROA % 0.96
BANR's ROA % is ranked higher than
56% of the 1657 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 vs. BANR: 0.96 )
Ranked among companies with meaningful ROA % only.
BANR' s ROA % Range Over the Past 10 Years
Min: -2.82  Med: 0.75 Max: 1.52
Current: 0.96
-2.82
1.52
3-Year Revenue Growth Rate 7.50
BANR's 3-Year Revenue Growth Rate is ranked higher than
66% of the 1479 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.20 vs. BANR: 7.50 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
BANR' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -47.3  Med: 7.3 Max: 45.3
Current: 7.5
-47.3
45.3
3-Year EBITDA Growth Rate 2.50
BANR's 3-Year EBITDA Growth Rate is ranked lower than
60% of the 1396 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.90 vs. BANR: 2.50 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
BANR' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -20.2  Med: 11.85 Max: 68.9
Current: 2.5
-20.2
68.9
3-Year EPS without NRI Growth Rate 1.90
BANR's 3-Year EPS without NRI Growth Rate is ranked lower than
63% of the 1354 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. BANR: 1.90 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
BANR' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -86.1  Med: 4.35 Max: 37.1
Current: 1.9
-86.1
37.1
GuruFocus has detected 4 Warning Signs with Banner Corp BANR.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» BANR's 30-Y Financials

Financials (Next Earnings Date: 2018-01-25)


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

Guru Trades

Q4 2016

BANR Guru Trades in Q4 2016

Paul Tudor Jones 6,609 sh (New)
NWQ Managers 325,150 sh (New)
Howard Marks Sold Out
Ken Fisher 23,444 sh (-49.11%)
Jim Simons 43,391 sh (-82.59%)
» More
Q1 2017

BANR Guru Trades in Q1 2017

Jim Simons 102,669 sh (+136.61%)
Ken Fisher 34,054 sh (+45.26%)
NWQ Managers 376,614 sh (+15.83%)
Paul Tudor Jones 7,422 sh (+12.30%)
» More
Q2 2017

BANR Guru Trades in Q2 2017

Ken Fisher 43,848 sh (+28.76%)
Paul Tudor Jones 7,556 sh (+1.81%)
NWQ Managers 375,316 sh (-0.34%)
Jim Simons 17,999 sh (-82.47%)
» More
Q3 2017

BANR Guru Trades in Q3 2017

Ken Fisher 48,564 sh (+10.76%)
Jim Simons Sold Out
Paul Tudor Jones Sold Out
NWQ Managers 372,936 sh (-0.63%)
» 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%)

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
NWQ Managers 2017-09-30 Reduce -0.63%$53.33 - $60.44 $ 56.590%372,936
Ken Fisher 2017-09-30 Add 10.76%$53.33 - $60.44 $ 56.590%48,564
NWQ Managers 2017-06-30 Reduce -0.34%$52.51 - $57.62 $ 56.593%375,316
Ken Fisher 2017-06-30 Add 28.76%$52.51 - $57.62 $ 56.593%43,848
NWQ Managers 2017-03-31 Add 15.83%0.04%$53.68 - $60.78 $ 56.59-1%376,614
Ken Fisher 2017-03-31 Add 45.26%$53.68 - $60.78 $ 56.59-1%34,054
NWQ Managers 2016-12-31 New Buy0.25%$43.55 - $56.26 $ 56.5915%325,150
Ken Fisher 2016-12-31 Reduce -49.11%$43.55 - $56.26 $ 56.5915%23,444
Premium More recent guru trades are included for Premium Members only!!
Premium More recent guru trades are included for USA Subscribe Members only!!
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Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522110    SIC: 6022
Compare:NAS:LTXB, NAS:INDB, NYSE:CADE, NAS:WSBC, NAS:ABCB, NAS:BANF, NAS:IBTX, NYSE:FCB, NYSE:BHLB, NAS:UCBI, NAS:FFBC, NAS:RNST, AMEX:PRK, NAS:CBF, NAS:FRME, NAS:NBTB, NAS:TOWN, NAS:FIBK, NAS:CSFL, NAS:SFBS » details
Headquarter Location:USA
Banner Corp is active in the financial services domain. The company operates through the Banner Bank, which offers traditional community banking services. The bank primarily caters to the residential construction market.

Banner is a bank holding company. The company is primarily engaged in coordinating the business activities of its wholly owned subsidiaries, Banner Bank and Islanders Bank. Banner Bank operates scores of branches, primarily in the Pacific Northwest region of the United States. Both banks offer similar traditional community banking services and financial products to individuals, businesses, and public entities. Banner Bank also actively participates in the secondary mortgage market. The company's strategy emphasizes growth through acquisitions and brand awareness of its banks. A significant portion of the banks' portfolio is in residential construction and land loans to professional homebuilders and developers. Most of its revenue is net interest income.

Ratios

vs
industry
vs
history
PE Ratio 19.31
BANR's PE Ratio is ranked lower than
77% of the 1528 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.62 vs. BANR: 19.31 )
Ranked among companies with meaningful PE Ratio only.
BANR' s PE Ratio Range Over the Past 10 Years
Min: 8.57  Med: 15.91 Max: 28.22
Current: 19.31
8.57
28.22
Forward PE Ratio 17.92
BANR's Forward PE Ratio is ranked lower than
86% of the 372 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.77 vs. BANR: 17.92 )
Ranked among companies with meaningful Forward PE Ratio only.
N/A
PE Ratio without NRI 19.31
BANR's PE Ratio without NRI is ranked lower than
77% of the 1531 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.75 vs. BANR: 19.31 )
Ranked among companies with meaningful PE Ratio without NRI only.
BANR' s PE Ratio without NRI Range Over the Past 10 Years
Min: 8.57  Med: 15.91 Max: 28.22
Current: 19.31
8.57
28.22
Price-to-Owner-Earnings 16.52
BANR's Price-to-Owner-Earnings is ranked lower than
64% of the 922 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.44 vs. BANR: 16.52 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
BANR' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 7.47  Med: 15.79 Max: 39.78
Current: 16.52
7.47
39.78
PB Ratio 1.42
BANR's PB Ratio is ranked lower than
70% of the 1636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.22 vs. BANR: 1.42 )
Ranked among companies with meaningful PB Ratio only.
BANR' s PB Ratio Range Over the Past 10 Years
Min: 0.11  Med: 1.12 Max: 2.16
Current: 1.42
0.11
2.16
PS Ratio 3.95
BANR's PS Ratio is ranked lower than
65% of the 1598 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.44 vs. BANR: 3.95 )
Ranked among companies with meaningful PS Ratio only.
BANR' s PS Ratio Range Over the Past 10 Years
Min: 0.16  Med: 2.91 Max: 4.34
Current: 3.95
0.16
4.34
Price-to-Free-Cash-Flow 10.98
BANR's Price-to-Free-Cash-Flow is ranked lower than
53% of the 890 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.78 vs. BANR: 10.98 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
BANR' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 0.4  Med: 8.22 Max: 59.06
Current: 10.98
0.4
59.06
Price-to-Operating-Cash-Flow 10.11
BANR's Price-to-Operating-Cash-Flow is ranked lower than
54% of the 957 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.35 vs. BANR: 10.11 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
BANR' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 0.43  Med: 7.04 Max: 36.37
Current: 10.11
0.43
36.37
EV-to-EBIT 14.41
BANR's EV-to-EBIT is ranked lower than
54% of the 1255 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.71 vs. BANR: 14.41 )
Ranked among companies with meaningful EV-to-EBIT only.
BANR' s EV-to-EBIT Range Over the Past 10 Years
Min: -329.9  Med: 11.9 Max: 101.6
Current: 14.41
-329.9
101.6
EV-to-EBITDA 12.61
BANR's EV-to-EBITDA is ranked lower than
53% of the 1254 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.38 vs. BANR: 12.61 )
Ranked among companies with meaningful EV-to-EBITDA only.
BANR' s EV-to-EBITDA Range Over the Past 10 Years
Min: -271.7  Med: 10.6 Max: 34
Current: 12.61
-271.7
34
EV-to-Revenue 4.39
BANR's EV-to-Revenue is ranked lower than
51% of the 1293 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.22 vs. BANR: 4.39 )
Ranked among companies with meaningful EV-to-Revenue only.
BANR' s EV-to-Revenue Range Over the Past 10 Years
Min: 0.1  Med: 3.3 Max: 6
Current: 4.39
0.1
6
PEG Ratio 0.71
BANR's PEG Ratio is ranked higher than
73% of the 831 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.52 vs. BANR: 0.71 )
Ranked among companies with meaningful PEG Ratio only.
BANR' s PEG Ratio Range Over the Past 10 Years
Min: 0.44  Med: 0.99 Max: 2.42
Current: 0.71
0.44
2.42

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 1.73
BANR's Dividend Yield % is ranked lower than
75% of the 2337 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.62 vs. BANR: 1.73 )
Ranked among companies with meaningful Dividend Yield % only.
BANR' s Dividend Yield % Range Over the Past 10 Years
Min: 0.13  Med: 1.67 Max: 17.86
Current: 1.73
0.13
17.86
Dividend Payout Ratio 0.33
BANR's Dividend Payout Ratio is ranked higher than
50% of the 1387 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.32 vs. BANR: 0.33 )
Ranked among companies with meaningful Dividend Payout Ratio only.
BANR' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.01  Med: 0.28 Max: 0.38
Current: 0.33
0.01
0.38
3-Year Dividend Growth Rate 17.70
BANR's 3-Year Dividend Growth Rate is ranked higher than
76% of the 820 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.50 vs. BANR: 17.70 )
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
BANR' s 3-Year Dividend Growth Rate Range Over the Past 10 Years
Min: -65.5  Med: 6 Max: 162.1
Current: 17.7
-65.5
162.1
Forward Dividend Yield % 1.77
BANR's Forward Dividend Yield % is ranked lower than
78% of the 2240 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.79 vs. BANR: 1.77 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 20.15
BANR's 5-Year Yield-on-Cost % is ranked higher than
97% of the 2723 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.29 vs. BANR: 20.15 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
BANR' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 1.51  Med: 19.45 Max: 208.04
Current: 20.15
1.51
208.04
3-Year Average Share Buyback Ratio -19.40
BANR's 3-Year Average Share Buyback Ratio is ranked lower than
88% of the 1129 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.20 vs. BANR: -19.40 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
BANR' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -93.2  Med: -5.25 Max: 2.8
Current: -19.4
-93.2
2.8

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.78
BANR's Price-to-Tangible-Book is ranked lower than
76% of the 1630 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 vs. BANR: 1.78 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
BANR' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.17  Med: 1.45 Max: 2.5
Current: 1.78
0.17
2.5
Price-to-Intrinsic-Value-Projected-FCF 1.02
BANR's Price-to-Intrinsic-Value-Projected-FCF is ranked lower than
73% of the 857 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.85 vs. BANR: 1.02 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
BANR' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.04  Med: 0.66 Max: 1.46
Current: 1.02
0.04
1.46
Price-to-Median-PS-Value 1.35
BANR's Price-to-Median-PS-Value is ranked lower than
76% of the 1469 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.16 vs. BANR: 1.35 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
BANR' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.06  Med: 1.06 Max: 2.04
Current: 1.35
0.06
2.04
Price-to-Peter-Lynch-Fair-Value 2.20
BANR's Price-to-Peter-Lynch-Fair-Value is ranked lower than
63% of the 439 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.24 vs. BANR: 2.20 )
Ranked among companies with meaningful Price-to-Peter-Lynch-Fair-Value only.
BANR' s Price-to-Peter-Lynch-Fair-Value Range Over the Past 10 Years
Min: 0.58  Med: 2.45 Max: 4.35
Current: 2.2
0.58
4.35
Price-to-Graham-Number 1.24
BANR's Price-to-Graham-Number is ranked lower than
78% of the 1429 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.95 vs. BANR: 1.24 )
Ranked among companies with meaningful Price-to-Graham-Number only.
BANR' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.62  Med: 1.16 Max: 1.68
Current: 1.24
0.62
1.68
Earnings Yield (Greenblatt) % 6.95
BANR's Earnings Yield (Greenblatt) % is ranked higher than
59% of the 1657 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.51 vs. BANR: 6.95 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
BANR' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: -3227.4  Med: 6.8 Max: 2486.4
Current: 6.95
-3227.4
2486.4
Forward Rate of Return (Yacktman) % 14.62
BANR's Forward Rate of Return (Yacktman) % is ranked higher than
69% of the 981 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.33 vs. BANR: 14.62 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) % only.
BANR' s Forward Rate of Return (Yacktman) % Range Over the Past 10 Years
Min: 9  Med: 36.8 Max: 156.8
Current: 14.62
9
156.8

More Statistics

Revenue (TTM) (Mil) $475.06
EPS (TTM) $ 2.93
Beta0.83
Short Percentage of Float2.11%
52-Week Range $48.55 - 62.75
Shares Outstanding (Mil)32.91

Analyst Estimate

Dec17 Dec18 Dec19
Revenue (Mil $) 489 485
EPS ($) 3.09 3.16 3.44
EPS without NRI ($) 3.09 3.16 3.44
EPS Growth Rate
(Future 3Y To 5Y Estimate)
9.00%
Dividends per Share ($) 1.98 1.02 1.04

Piotroski F-Score Details

Piotroski F-Score: ----
Positive ROAN
Positive CFROAN
Higher ROA yoyN
CFROA > ROAN
Lower Leverage yoyN
Higher Current Ratio yoyN
Less Shares Outstanding yoyN
Higher Gross Margin yoyN
Higher Asset Turnover yoyN

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