Market Price

45.82 

-3.16 -6.5%

as of Jan 27 '21

52 Week Range:

27.12 55.57


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

Banner Corporation operates as the bank holding company for Banner Bank and Islanders Bank that provide commercial banking and financial products and services to individuals, businesses, and public sector entities primarily in the United States. It offers deposit products, including interest-bearing and non-interest-bearing checking accounts, money market deposit accounts, regular savings accounts, and certificates of deposit, as well as treasury management services and retirement savings plans. The company also provides commercial real estate loans, including investment properties and multifamily residential real estate loans; construction, land, and land development loans; residential mortgage loans; commercial business loans; agricultural loans; and consumer loans, such as home equity lines of credit, automobile, and boat and recreational vehicle loans, as well as loans secured by deposit accounts. In addition, it engages in the mortgage banking operations through the origination and sale of one-to four-family and multi-family residential loans. Further, the company provides electronic and digital banking services. As of December 31, 2019, it operated 178 branch offices, including 175 Banner Bank branches and three Islanders Bank branches located in Washington, Oregon, California, and Idaho. It also operates 18 Banner Bank loan production offices located in Washington, Oregon, California, Idaho, and Utah. Banner Corporation was founded in 1890 and is headquartered in Walla Walla, Washington.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19 Dec '20
Equity (BVPS) 24.33
22.90
26.10
27.17
29.33
19.60
40.11
40.55
36.16
42.82
growth rate -5.9% 14.0% 4.1% 8.0% -33.2% 104.6% 1.1% -10.8% 18.4%
Earnings BIT -43.88
5.46
40.10
69.08
84.33
71.74
134.94
158.24
growth rate 100.0% 634.4% 72.3% 22.1% -14.9% 88.1% 17.3%
Avg.PE -2.80
52.63
9.74
18.66
16.26
22.16
23.58
30.51
13.32
12.85
15.72
growth rate 100.0% -81.5% 91.6% -12.9% 36.3% 6.4% 29.4% -56.3% -3.5% 22.3%
ROA -1.53
-0.06
1.39
1.08
1.19
0.62
0.87
0.62
1.26
1.20
growth rate 0.0% 100.0% -22.3% 10.2% -47.9% 40.3% -28.7% 103.2% -4.8%
ROE -20.49
-0.61
12.87
8.90
9.65
4.80
6.55
4.71
9.92
9.52
growth rate 0.0% 100.0% -30.9% 8.4% -50.3% 36.5% -28.1% 110.6% -4.0%
ROIC -4.48
4.76
12.61
7.96
8.22
growth rate 100.0% 164.9% -36.9% 3.3%
Leverage 11.23
10.34
8.41
8.14
8.09
7.54
7.50
7.67
8.03
7.91
growth rate -7.9% -18.7% -3.2% -0.6% -6.8% -0.5% 2.3% 4.7% -1.5%
Balance Sheet Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19 Dec '20
Acct.Receivable 15.57
13.93
23.72
15.28
29.63
30.18
31.26
growth rate -10.5% 70.3% -35.6% 93.9% 1.9% 3.6%
Acct.Payable 23.25
26.39
31.32
3,898.95
8,055.07
8,121.41
8,183.43
9,477.05
10,048.64
12,567.30
growth rate 13.5% 18.7% 12,347.2% 106.6% 0.8% 0.8% 15.8% 6.0% 25.1%
Cur.Assets 192.71
393.48
567.40
360.63
513.98
598.46
1,550.39
growth rate 104.2% 44.2% -36.4% 42.5% 16.4% 159.1%
Total Assets 4,406.10
4,257.31
4,265.56
4,388.90
4,723.16
9,796.30
9,793.67
9,763.21
11,871.32
12,604.03
15,031.62
growth rate -3.4% 0.2% 2.9% 7.6% 107.4% 0.0% -0.3% 21.6% 6.2% 19.3%
Cash 361.70
791.77
848.61
808.00
126.07
261.92
247.72
261.20
272.20
307.74
1,234.18
growth rate 118.9% 7.2% -4.8% -84.4% 107.8% -5.4% 5.4% 4.2% 13.1% 301.1%
Inventory 3.43
11.90
11.25
0.47
3.20
0.94
0.82
growth rate 247.0% -5.5% -95.9% 585.9% -70.8% -12.8%
Cur.Liabilities 4,045.22
8,332.50
8,347.47
8,350.64
10,238.10
10,645.38
12,954.72
growth rate 106.0% 0.2% 0.0% 22.6% 4.0% 21.7%
Liabilities 3,894.60
3,724.86
3,758.65
3,849.93
4,140.28
8,496.24
8,487.96
8,490.58
10,392.72
11,010.00
13,365.36
growth rate -4.4% 0.9% 2.4% 7.5% 105.2% -0.1% 0.0% 22.4% 5.9% 21.4%
LT Debt 2,010.00
2,011.00
2,012.00
2,013.00
78.25
123.26
100.42
98.91
114.28
269.30
365.18
growth rate 0.1% 0.1% 0.1% -96.1% 57.5% -18.5% -1.5% 15.5% 135.7% 35.6%
Equity 511.50
532.45
506.92
538.97
582.89
1,300.06
1,305.71
1,272.63
1,478.60
1,594.03
1,666.26
growth rate 4.1% -4.8% 6.3% 8.2% 123.0% 0.4% -2.5% 16.2% 7.8% 4.5%
Common Shares 10.00
17.00
19.00
19.00
19.00
24.00
34.00
33.00
33.00
35.00
1,349.88
growth rate 70.0% 11.8% 0.0% 0.0% 26.3% 41.7% -2.9% 0.0% 6.1% 3,756.8%
Cash Flow Statement Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19 Dec '20
Capital Expenditures 2.20
3.59
5.61
8.21
5.94
12.07
16.24
12.24
23.09
24.70
growth rate 63.1% 56.5% 46.3% -27.7% 103.4% 34.5% -24.6% 88.6% 7.0%
Cash Dividends 8.90
8.83
6.47
7.80
13.46
17.17
28.28
32.58
42.75
20.66
growth rate -0.8% -26.7% 20.5% 72.6% 27.5% 64.7% 15.2% 31.2% -51.7%
Cash From OA 114.50
101.31
81.42
95.37
98.07
16.22
-75.82
346.70
30.78
148.87
growth rate -11.5% -19.6% 17.1% 2.8% -83.5% -100.0% 100.0% -91.1% 383.8%
FCF per Share 11.62
5.74
4.05
3.79
4.50
3.44
-0.94
5.15
4.24
-0.40
growth rate -50.6% -29.4% -6.4% 18.7% -23.6% -100.0% 100.0% -17.7% -100.0%
Sale Purchase of Stock 21.56
-85.21
0.07
0.13
0.03
-50.77
-31.05
growth rate -100.0% 100.0% 76.4% -73.2% -100.0% 0.0%
FCF 112.00
98.00
76.00
87.00
92.00
3.00
-93.00
334.00
8.00
124.00
growth rate -12.5% -22.5% 14.5% 5.8% -96.7% -100.0% 100.0% -97.6% 1,450.0%
Income Statement Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19 Dec '20
Sales 186.90
231.55
214.06
224.37
225.78
304.57
445.26
458.05
506.48
540.86
515.60
growth rate 23.9% -7.6% 4.8% 0.6% 34.9% 46.2% 2.9% 10.6% 6.8% -4.7%
Op.Income -43.90
5.46
64.88
46.21
80.33
100.83
153.16
147.98
186.01
201.97
162.08
growth rate 100.0% 1,089.0% -28.8% 73.8% 25.5% 51.9% -3.4% 25.7% 8.6% -19.8%
IBT -43.88
5.46
40.10
70.40
81.12
67.97
129.64
151.26
165.11
183.13
142.45
growth rate 100.0% 634.8% 75.6% 15.2% -16.2% 90.7% 16.7% 9.2% 10.9% -22.2%
Net Income -61.90
5.46
64.88
46.21
54.07
45.22
85.39
60.78
136.52
146.28
115.93
growth rate 100.0% 1,089.0% -28.8% 17.0% -16.4% 88.8% -28.8% 124.6% 7.2% -20.8%
EPS -7.21
-0.15
3.16
2.38
2.79
1.89
2.52
1.84
4.15
4.18
growth rate 0.0% 100.0% -24.7% 17.2% -32.3% 33.3% -27.0% 125.5% 0.7%
Gross Profit 225.78
304.57
445.26
458.05
506.48
540.86
515.60
growth rate 34.9% 46.2% 2.9% 10.6% 6.8% -4.7%

Quarterly Statements

Item Name Dec '19 Mar '20 Jun '20 Sep '20 Dec '20
Earnings BIT
growth rate
Balance Sheet Dec '19 Mar '20 Jun '20 Sep '20 Dec '20
Acct.Receivable
growth rate
Acct.Payable 10,048.64
10,449.54
12,016.28
12,215.34
12,567.30
growth rate 4.0% 15.0% 1.7% 2.9%
Cur.Assets 598.46
586.55
804.53
1,017.37
1,550.39
growth rate -2.0% 37.2% 26.5% 52.4%
Total Assets 12,604.03
12,780.95
14,405.61
14,642.08
15,031.62
growth rate 1.4% 12.7% 1.6% 2.7%
Cash 307.74
295.00
419.97
705.54
1,234.18
growth rate -4.1% 42.4% 68.0% 74.9%
Inventory 0.94
2.45
2.45
1.83
0.82
growth rate 161.7% -0.1% -25.1% -55.5%
Cur.Liabilities 10,645.38
10,735.48
12,324.16
12,534.64
12,954.72
growth rate 0.9% 14.8% 1.7% 3.4%
Liabilities 11,010.00
11,179.25
12,780.50
12,995.55
13,365.36
growth rate 1.5% 14.3% 1.7% 2.9%
LT Debt 269.30
346.80
357.75
357.94
365.18
growth rate 28.8% 3.2% 0.1% 2.0%
Equity 1,594.03
1,601.70
1,625.10
1,646.53
1,666.26
growth rate 0.5% 1.5% 1.3% 1.2%
Common Shares 1,373.94
1,343.70
1,345.10
1,347.61
1,349.88
growth rate -2.2% 0.1% 0.2% 0.2%
Cash Flow Statement Dec '19 Mar '20 Jun '20 Sep '20 Dec '20
Capital Expenditures 7.96
3.09
3.70
3.15
growth rate -61.2% 20.0% -15.1%
Cash Dividends 50.51
50.51
14.73
14.43
growth rate 0.0% -70.8% -2.0%
Cash From OA 80.38
52.56
-36.83
122.43
growth rate -34.6% -100.0% 100.0%
Sale Purchase of Stock
growth rate
FCF 72.42
49.48
-40.53
119.28
growth rate -31.7% -100.0% 100.0%
Income Statement Dec '19 Mar '20 Jun '20 Sep '20 Dec '20
Sales 135.77
114.95
118.68
135.61
145.55
growth rate -15.3% 3.2% 14.3% 7.3%
Op.Income 50.21
26.61
34.33
48.30
52.83
growth rate -47.0% 29.0% 40.7% 9.4%
IBT 42.08
21.49
28.14
44.04
48.79
growth rate -48.9% 30.9% 56.5% 10.8%
Net Income 33.66
16.88
23.54
36.55
38.96
growth rate -49.8% 39.4% 55.3% 6.6%
EPS
growth rate
Gross Profit 135.77
114.95
118.68
135.61
145.55
growth rate -15.3% 3.2% 14.3% 7.3%
R&D
growth rate

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

C (58.96)

YOY Growth Grade:

E (24.72)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 15.72 13.90 14.77
EPS / Growth 12.9% 3.30 7.0%

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 11.0%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 7.0% 10.3% 10.3%
Future PE 14.00 17.02 17.02
Future EPS 6.49 8.78 8.78
Value Price
MOS %
22.44
-51.0%
36.94
-19.4%
36.94
-19.4%
MOS Price 11.22 18.47 18.47
IRT 9.55 8.48 8.48

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

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Risk / Reward Ratios

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