Banner Financials

BANR Stock  USD 67.08  0.49  0.73%   
Based on the analysis of Banner's profitability, liquidity, and operating efficiency, Banner is performing exceptionally good at this time. It has a great probability to report excellent financial results in January. At this time, Banner's Net Receivables is relatively stable compared to the past year. As of 12/26/2024, Common Stock Shares Outstanding is likely to grow to about 36.2 M, though Other Current Liabilities is likely to grow to (305.9 M). Key indicators impacting Banner's financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Net Profit Margin0.310.296
Sufficiently Up
Slightly volatile
Return On Assets0.01230.0117
Sufficiently Up
Slightly volatile
Return On Equity0.120.1111
Significantly Up
Slightly volatile
Debt Equity Ratio0.390.4113
Notably Down
Pretty Stable
Operating Income238.4 M227.1 M
Sufficiently Up
Slightly volatile
Current Ratio2.51.2826
Way Up
Slightly volatile
Investors should never underestimate Banner's ability to pay suppliers on time, ensure interest payments are not accumulating, and correctly time where and how to reinvest extra cash. Individual investors need to monitor Banner's cash flow, debt, and profitability to make informed and accurate decisions about investing in Banner.

Net Income

192.81 Million

  
Understanding current and past Banner Financials, including the trends in assets, liabilities, equity and income are directly related to making proper and timely investing decisions. All of Banner's financial statements are interrelated, with each one affecting the others. For example, an increase in Banner's assets may result in an increase in income on the income statement.

Banner Stock Summary

Banner competes with BancFirst, City Holding, Columbia Banking, CVB Financial, and Heritage Financial. Banner Corporation operates as the bank holding company for Banner Bank that provide commercial banking and financial products and services to individuals, businesses, and public sector entities in the United States. Banner Corporation was founded in 1890 and is headquartered in Walla Walla, Washington. Banner Corp operates under BanksRegional classification in the United States and is traded on NASDAQ Exchange. It employs 1891 people.
Specialization
Financial Services, Banks - Regional
InstrumentUSA Stock View All
ExchangeNASDAQ Exchange
ISINUS06652V2088
CUSIP06652V208 06652V109 33748T104 33620W100
LocationWashington; U.S.A
Business Address10 South First
SectorBanks
IndustryFinancials
BenchmarkDow Jones Industrial
Websitewww.bannerbank.com
Phone509 527 3636
CurrencyUSD - US Dollar

Banner Key Financial Ratios

Banner Key Balance Sheet Accounts

201920202021202220232024 (projected)
Total Assets12.6B15.0B16.8B15.8B15.7B16.5B
Other Current Liab7.0B9.3B10.7B10.2B(322.1M)(305.9M)
Net Debt261.6M(809.7M)(1.8B)35.9M459.3M482.3M
Retained Earnings186.8M247.3M390.8M525.2M642.2M674.3M
Cash307.7M1.2B2.1B243.1M254.5M283.0M
Other Assets8.3B8.0B6.2B8.2B30.1M28.6M
Net Receivables38.0M46.6M42.9M57.3M63.1M66.3M
Total Liab569.3M424.5M328.1M279.0M14.0B14.7B
Total Current Assets1.9B3.6B5.8B3.1B254.5M241.7M
Short Term Debt418.5M300.8M328.9M297.2M520.4M286.3M
Other Current Assets372.1M1.3B2.5B629.4M317.6M301.7M
Common Stock1.4B1.3B1.3B1.3B1.3B718.5M
Other Liab45.7M45.5M46.7M44.3M50.9M43.6M
Accounts Payable227.9M202.6M14.3B200.8M231.0M219.4M
Long Term Debt237.8M301.8M268.4M456.6M482.3M251.4M
Inventory(372.1M)(1.3B)(2.5B)(629.4M)(11.0B)(10.4B)
Intangible Assets29.2M21.4M14.9M9.4M5.7M5.4M
Net Tangible Assets1.2B1.3B1.3B1.1B1.2B1.0B
Long Term Debt Total237.8M301.8M482.9M406.6M467.6M262.4M

Banner Key Income Statement Accounts

The reason investors look at the income statement is to determine what Banner's earnings per share (EPS) will be in order to see if they want to buy more shares or not. For example, if a company earned $20 million in the last quarter and has 100,000 shares outstanding, its EPS is 20 cents. If you find that this number beats analysts' forecasts or is higher than it was from the same period last year, then you might want to buy more of this stock even though its price per share may not have changed.
201920202021202220232024 (projected)
Interest Expense56.8M37.8M23.6M19.4M125.6M131.8M
Total Revenue562.8M598.7M607.2M623.7M620.4M651.4M
Gross Profit562.8M598.7M607.2M623.7M620.4M651.4M
Operating Income183.1M142.5M246.6M240.8M227.1M238.4M
Ebit183.1M142.5M246.6M240.8M227.1M238.4M
Ebitda208.6M168.3M270.5M263.0M248.7M261.2M
Income Before Tax183.1M142.5M246.6M240.8M227.1M238.4M
Net Income146.3M115.9M201.0M195.4M183.6M192.8M
Income Tax Expense36.9M26.5M45.5M45.4M43.5M45.6M
Tax Provision36.9M26.5M45.5M45.4M44.8M34.2M
Net Interest Income468.9M481.3M496.9M553.2M596.7M493.6M
Interest Income525.7M519.1M520.5M572.6M683.4M530.8M

Banner Key Cash Accounts

201920202021202220232024 (projected)
Change In Cash35.5M926.4M900.1M(1.9B)11.4M6.9M
Free Cash Flow124.2M112.6M291.1M223.3M242.5M254.7M
Depreciation25.4M25.9M23.9M22.2M21.6M12.9M
Other Non Cash Items(33.3M)13.8M63.5M501K37.2M19.0M
Dividends Paid56.1M94.1M57.6M61.1M(66.8M)(63.4M)
Capital Expenditures24.7M12.8M10.5M14.7M14.7M11.0M
Net Income146.3M115.9M201.0M195.4M183.6M192.8M
End Period Cash Flow307.7M1.2B2.1B243.1M254.5M280.2M
Investments149.6M(2.0B)(1.5B)(323.7M)193.6M203.3M
Net Borrowings169.1M164.3M(28.5M)(132.2M)(152.0M)(144.4M)
Change To Netincome(17.0M)27.7M149.4M21.5M24.8M26.0M

Banner Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining Banner's current stock value. Our valuation model uses many indicators to compare Banner value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across Banner competition to find correlations between indicators driving Banner's intrinsic value. More Info.
Banner is rated third in return on equity category among its peers. It is rated fourth in return on asset category among its peers reporting about  0.10  of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for Banner is roughly  9.59 . At this time, Banner's Return On Equity is relatively stable compared to the past year. Comparative valuation analysis is a catch-all technique that is used if you cannot value Banner by discounting back its dividends or cash flows. It compares the stock's price multiples to nearest competition to determine if the stock is relatively undervalued or overvalued.

Banner Systematic Risk

Banner's systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. Banner volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
Incorrect Input. Please change your parameters or increase the time horizon required for running this function. The output start index for this execution was zero with a total number of output elements of zero. The Beta measures systematic risk based on how returns on Banner correlated with the market. If Beta is less than 0 Banner generally moves in the opposite direction as compared to the market. If Banner Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one Banner is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of Banner is generally in the same direction as the market. If Beta > 1 Banner moves generally in the same direction as, but more than the movement of the benchmark.
Today, most investors in Banner Stock are looking for potential investment opportunities by analyzing not only static indicators but also various Banner's growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of Banner growth as a starting point in their analysis.

Price Earnings To Growth Ratio

(1.55)

At this time, Banner's Price Earnings To Growth Ratio is relatively stable compared to the past year.

Banner December 26, 2024 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of Banner help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of Banner. We use our internally-developed statistical techniques to arrive at the intrinsic value of Banner based on widely used predictive technical indicators. In general, we focus on analyzing Banner Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build Banner's daily price indicators and compare them against related drivers.

Additional Tools for Banner Stock Analysis

When running Banner's price analysis, check to measure Banner's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Banner is operating at the current time. Most of Banner's value examination focuses on studying past and present price action to predict the probability of Banner's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Banner's price. Additionally, you may evaluate how the addition of Banner to your portfolios can decrease your overall portfolio volatility.