Banner Stock Z Score

BANR Stock

USD 68.14 0.57 0.84%

Altman Z Score is one of the simplest fundamental models to determine how likely your company is to fail. The module uses available fundamental data of a given equity to approximate the Altman Z score. Altman Z Score is determined by evaluating five fundamental price points available from the company's current public disclosure documents. Check out Banner Piotroski F Score and Banner Valuation analysis.

To learn how to invest in Banner Stock, please use our How to Invest in Banner guide.

At this time, Banner's Net Invested Capital is relatively stable compared to the past year. As of 12/27/2024, Change In Working Capital is likely to grow to about 4.8 M, while Capital Lease Obligations is likely to drop slightly above 44.6 M. At this time, Banner's EBITDA is relatively stable compared to the past year. As of 12/27/2024, Total Operating Expenses is likely to grow to about 352.3 M, while Other Operating Expenses is likely to drop slightly above 205.3 M.

Banner Company Z Score Analysis

Banner's Z-Score is a simple linear, multi-factor model that measures the financial health and economic stability of a company. The score is used to predict the probability of a firm going into bankruptcy within next 24 months or two fiscal years from the day stated on the accounting statements used to calculate it. The model uses five fundamental business ratios that are weighted according to algorithm of Professor Edward Altman who developed it in the late 1960s at New York University..

Z Score

Sum Of

5 Factors

More About Z Score | All Equity Analysis

First Factor

1.2 * (

Working Capital

/

Total Assets )

Second Factor

1.4 * (

Retained Earnings

/

Total Assets )

Thrid Factor

3.3 * (

EBITAD

/

Total Assets )

Fouth Factor

0.6 * (

Market Value of Equity

/

Total Liabilities )

Fifth Factor

0.99 * (

Revenue

/

Total Assets )

Banner Z Score Driver Correlations

Understanding the fundamental principles of building solid financial models for Banner is extremely important. It helps to project a fair market value of Banner Stock properly, considering its historical fundamentals such as Z Score. Since Banner's main accounts across its financial reports are all linked and dependent on each other, it is essential to analyze all possible correlations between related accounts. However, instead of reviewing all of Banner's historical financial statements, investors can examine the correlated drivers to determine its overall health. This can be effectively done using a conventional correlation matrix of Banner's interrelated accounts and indicators.

	Total Assets	Total Stockholder Equity	Net Debt	Retained Earnings	Net Receivables	Total Liab	Total Current Assets	Short Term Debt	Good Will	Common Stock	Accounts Payable	Long Term Debt	Short Term Investments	Intangible Assets	Property Plant Equipment	Net Tangible Assets	Long Term Debt Total	Deferred Long Term Liab	Long Term Investments	Short Long Term Debt	Earning Assets	Net Invested Capital	Capital Stock
Total Assets		0.97	-0.22	0.84	0.94	0.46	0.59	0.65	0.96	0.8	0.33	0.58	0.94	-0.04	0.78	0.93	0.83	0.91	0.63	0.76	0.72	0.83	-0.42
Total Stockholder Equity	0.97		-0.16	0.73	0.88	0.41	0.54	0.68	0.97	0.87	0.25	0.46	0.85	0.13	0.86	0.97	0.71	0.95	0.78	0.74	0.64	0.79	-0.34
Net Debt	-0.22	-0.16		0.04	0.04	0.4	-0.82	0.16	-0.06	-0.22	-0.82	0.09	-0.41	0.02	-0.37	-0.26	-0.37	-0.17	-0.05	-0.02	-0.05	0.03	-0.2
Retained Earnings	0.84	0.73	0.04		0.92	0.76	0.26	0.54	0.82	0.42	0.22	0.78	0.83	-0.26	0.36	0.66	0.82	0.68	0.25	0.61	0.71	0.77	-0.66
Net Receivables	0.94	0.88	0.04	0.92		0.67	0.33	0.62	0.91	0.65	0.11	0.66	0.86	-0.19	0.59	0.8	0.77	0.81	0.48	0.7	0.71	0.82	-0.58
Total Liab	0.46	0.41	0.4	0.76	0.67		-0.32	0.36	0.5	0.03	-0.1	0.47	0.39	-0.38	0.02	0.27	0.41	0.3	0.0	0.28	0.43	0.52	-0.76
Total Current Assets	0.59	0.54	-0.82	0.26	0.33	-0.32		0.29	0.47	0.6	0.74	0.22	0.73	0.12	0.65	0.62	0.63	0.54	0.39	0.51	0.44	0.41	0.13
Short Term Debt	0.65	0.68	0.16	0.54	0.62	0.36	0.29		0.73	0.64	0.11	0.53	0.58	0.25	0.58	0.69	0.57	0.68	0.54	0.94	0.81	0.83	-0.08
Good Will	0.96	0.97	-0.06	0.82	0.91	0.5	0.47	0.73		0.8	0.21	0.61	0.86	0.15	0.75	0.94	0.75	0.94	0.73	0.78	0.7	0.85	-0.4
Common Stock	0.8	0.87	-0.22	0.42	0.65	0.03	0.6	0.64	0.8		0.18	0.38	0.66	0.3	0.96	0.93	0.61	0.93	0.82	0.69	0.53	0.58	0.13
Accounts Payable	0.33	0.25	-0.82	0.22	0.11	-0.1	0.74	0.11	0.21	0.18		0.08	0.56	-0.04	0.36	0.31	0.56	0.24	-0.05	0.22	0.25	0.2	-0.06
Long Term Debt	0.58	0.46	0.09	0.78	0.66	0.47	0.22	0.53	0.61	0.38	0.08		0.61	-0.07	0.2	0.5	0.79	0.56	0.12	0.59	0.73	0.6	-0.18
Short Term Investments	0.94	0.85	-0.41	0.83	0.86	0.39	0.73	0.58	0.86	0.66	0.56	0.61		-0.15	0.67	0.82	0.91	0.78	0.41	0.74	0.77	0.8	-0.41
Intangible Assets	-0.04	0.13	0.02	-0.26	-0.19	-0.38	0.12	0.25	0.15	0.3	-0.04	-0.07	-0.15		0.25	0.25	-0.2	0.27	0.6	0.15	-0.13	-0.04	0.38
Property Plant Equipment	0.78	0.86	-0.37	0.36	0.59	0.02	0.65	0.58	0.75	0.96	0.36	0.2	0.67	0.25		0.9	0.58	0.88	0.77	0.63	0.45	0.53	0.08
Net Tangible Assets	0.93	0.97	-0.26	0.66	0.8	0.27	0.62	0.69	0.94	0.93	0.31	0.5	0.82	0.25	0.9		0.74	0.98	0.8	0.75	0.64	0.74	-0.14
Long Term Debt Total	0.83	0.71	-0.37	0.82	0.77	0.41	0.63	0.57	0.75	0.61	0.56	0.79	0.91	-0.2	0.58	0.74		0.73	0.22	0.69	0.8	0.7	-0.23
Deferred Long Term Liab	0.91	0.95	-0.17	0.68	0.81	0.3	0.54	0.68	0.94	0.93	0.24	0.56	0.78	0.27	0.88	0.98	0.73		0.8	0.72	0.61	0.7	-0.13
Long Term Investments	0.63	0.78	-0.05	0.25	0.48	0.0	0.39	0.54	0.73	0.82	-0.05	0.12	0.41	0.6	0.77	0.8	0.22	0.8		0.55	0.27	0.5	0.03
Short Long Term Debt	0.76	0.74	-0.02	0.61	0.7	0.28	0.51	0.94	0.78	0.69	0.22	0.59	0.74	0.15	0.63	0.75	0.69	0.72	0.55		0.9	0.9	-0.11
Earning Assets	0.72	0.64	-0.05	0.71	0.71	0.43	0.44	0.81	0.7	0.53	0.25	0.73	0.77	-0.13	0.45	0.64	0.8	0.61	0.27	0.9		0.91	-0.16
Net Invested Capital	0.83	0.79	0.03	0.77	0.82	0.52	0.41	0.83	0.85	0.58	0.2	0.6	0.8	-0.04	0.53	0.74	0.7	0.7	0.5	0.9	0.91		-0.38
Capital Stock	-0.42	-0.34	-0.2	-0.66	-0.58	-0.76	0.13	-0.08	-0.4	0.13	-0.06	-0.18	-0.41	0.38	0.08	-0.14	-0.23	-0.13	0.03	-0.11	-0.16	-0.38

Click cells to compare fundamentals

To calculate a Z-Score, one would need to know a company's current working capital, its total assets and liabilities, and the amount of its latest earnings as well as earnings before interest and tax. Z-Scores can be used to compare the odds of bankruptcy of companies in a similar line of business or firms operating in the same industry. Companies with Z-Scores above 3.1 are generally considered to be stable and healthy with a low probability of bankruptcy. Scores that fall between 1.8 and 3.1 lie in a so-called 'grey area,' with scores of less than 1 indicating the highest probability of distress. Z Score is a used widely measure by financial auditors, accountants, money managers, loan processors, wealth advisers, and day traders. In the last 25 years, many financial models that utilize z-scores proved it to be successful as a predictor of corporate bankruptcy.

Competition

Predict Banner

In accordance with the company's disclosures, Banner has a Z Score of 0.0. This is 100.0% lower than that of the Banks sector and about the same as Financials (which currently averages 0.0) industry. The z score for all United States stocks is 100.0% higher than that of the company.

Banner Current Valuation Drivers

We derive many important indicators used in calculating different scores of Banner from analyzing Banner's financial statements. These drivers represent accounts that assess Banner's ability to generate profits relative to its revenue, operating costs, and shareholders' equity. Below are some of Banner's important valuation drivers and their relationship over time.

	2019	2020	2021	2022	2023	2024 (projected)
Market Cap	2.0B	1.6B	2.1B	2.2B	1.8B	1.9B
Enterprise Value	2.2B	833.3M	293.6M	2.2B	2.3B	2.4B

Banner ESG Sustainability

Some studies have found that companies with high sustainability scores are getting higher valuations than competitors with lower social-engagement activities. While most ESG disclosures are voluntary and do not directly affect the long term financial condition, Banner's sustainability indicators can be used to identify proper investment strategies using environmental, social, and governance scores that are crucial to Banner's managers, analysts, and investors.

Environmental

Governance

Social

Banner Institutional Holders

Institutional Holdings refers to the ownership stake in Banner that is held by large financial organizations, pension funds or endowments. Institutions may purchase large blocks of Banner's outstanding shares and can exert considerable influence upon its management. Institutional holders may also work to push the share price higher once they own the stock. Extensive social media coverage, TV shows, articles in high-profile magazines, and presentations at investor conferences help move the stock higher, increasing Banner's value.

		Shares
Nuveen Asset Management, Llc	2024-09-30	686.1 K
Westwood Holdings Group Inc	2024-09-30	620.5 K
Millennium Management Llc	2024-09-30	475.4 K
Abrdn Plc	2024-09-30	443.1 K
Northern Trust Corp	2024-09-30	417.4 K
Jpmorgan Chase & Co	2024-09-30	409.9 K
Bank Of New York Mellon Corp	2024-09-30	397.7 K
Ameriprise Financial Inc	2024-09-30	364.2 K
Aristotle Capital Boston, Llc	2024-09-30	357.1 K
Blackrock Inc	2024-06-30	5 M
Vanguard Group Inc	2024-09-30	4 M

Banner Fundamentals

	Return On Equity	0.0997
	Return On Asset	0.0104
	Profit Margin	0.28 %
	Operating Margin	0.39 %
	Current Valuation	2.37 B
	Shares Outstanding	34.46 M
	Shares Owned By Insiders	1.64 %
	Shares Owned By Institutions	93.20 %
	Number Of Shares Shorted	887.68 K
	Price To Earning	17.38 X
	Price To Book	1.30 X
	Price To Sales	3.96 X
	Revenue	620.41 M
	Gross Profit	618.07 M
	EBITDA	248.72 M
	Net Income	183.62 M
	Cash And Equivalents	1.15 B
	Cash Per Share	33.64 X
	Total Debt	713.8 M
	Debt To Equity	6.54 %
	Book Value Per Share	52.06 X
	Cash Flow From Operations	257.2 M
	Short Ratio	3.56 X
	Earnings Per Share	4.78 X
	Price To Earnings To Growth	2.18 X
	Target Price	74.0
	Number Of Employees	1.96 K
	Beta	1.02
	Market Capitalization	2.35 B
	Total Asset	15.67 B
	Retained Earnings	642.17 M
	Annual Yield	0.03 %
	Five Year Return	2.92 %
	Net Asset	15.67 B
	Last Dividend Paid	1.92

About Banner Fundamental Analysis

The Macroaxis Fundamental Analysis modules help investors analyze Banner's financials across various querterly and yearly statements, indicators and fundamental ratios. We help investors to determine the real value of Banner using virtually all public information available. We use both quantitative as well as qualitative analysis to arrive at the intrinsic value of Banner based on its fundamental data. In general, a quantitative approach, as applied to this company, focuses on analyzing financial statements comparatively, whereas a qaualitative method uses data that is important to a company's growth but cannot be measured and presented in a numerical way.

Please read more on our fundamental analysis page.

Pair Trading with Banner

One of the main advantages of trading using pair correlations is that every trade hedges away some risk. Because there are two separate transactions required, even if Banner position performs unexpectedly, the other equity can make up some of the losses. Pair trading also minimizes risk from directional movements in the market. For example, if an entire industry or sector drops because of unexpected headlines, the short position in Banner will appreciate offsetting losses from the drop in the long position's value.

Moving together with Banner Stock

0.93	AX	Axos Financial	Pair Corr
0.9	BY	Byline Bancorp Fiscal Year End 23rd of January 2025	Pair Corr
0.97	PB	Prosperity Bancshares Fiscal Year End 22nd of January 2025	Pair Corr

Moving against Banner Stock

0.63	CFG-PE	Citizens Financial	Pair Corr
0.51	TFC-PR	Truist Financial	Pair Corr
0.45	TFC-PO	Truist Financial	Pair Corr
0.31	WF	Woori Financial Group	Pair Corr

The ability to find closely correlated positions to Banner could be a great tool in your tax-loss harvesting strategies, allowing investors a quick way to find a similar-enough asset to replace Banner when you sell it. If you don't do this, your portfolio allocation will be skewed against your target asset allocation. So, investors can't just sell and buy back Banner - that would be a violation of the tax code under the "wash sale" rule, and this is why you need to find a similar enough asset and use the proceeds from selling Banner to buy it.

The correlation of Banner is a statistical measure of how it moves in relation to other instruments. This measure is expressed in what is known as the correlation coefficient, which ranges between -1 and +1. A perfect positive correlation (i.e., a correlation coefficient of +1) implies that as Banner moves, either up or down, the other security will move in the same direction. Alternatively, perfect negative correlation means that if Banner moves in either direction, the perfectly negatively correlated security will move in the opposite direction. If the correlation is 0, the equities are not correlated; they are entirely random. A correlation greater than 0.8 is generally described as strong, whereas a correlation less than 0.5 is generally considered weak.

Correlation analysis and pair trading evaluation for Banner can also be used as hedging techniques within a particular sector or industry or even over random equities to generate a better risk-adjusted return on your portfolios.

Pair Correlation Correlation Matching

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.

Macroaxis helps investors of all levels and skills to maximize the upside of all their holdings and minimize the risk associated with market volatility, economic swings, and company-specific events. View terms and conditions

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Banner Stock Z Score

Banner Company Z Score Analysis

Z Score

Sum Of

5 Factors

First Factor

1.2 * (

Working Capital

/

Total Assets )

Second Factor

1.4 * (

Retained Earnings

/

Total Assets )

Thrid Factor

3.3 * (

EBITAD

/

Total Assets )

Fouth Factor

0.6 * (

Market Value of Equity

/

Total Liabilities )

Fifth Factor

0.99 * (

Revenue

/

Total Assets )

Banner Z Score Driver Correlations

Banner Current Valuation Drivers

Banner ESG Sustainability

Banner Institutional Holders

Banner Fundamentals

About Banner Fundamental Analysis

Pair Trading with Banner

Moving together with Banner Stock

Moving against Banner Stock

Additional Tools for Banner Stock Analysis

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