ScoreWhy is Banner Corp. ?
1
High Profitability with a Net Interest Margin of 2.37%
2
Strong Long Term Fundamental Strength with a 8.54% CAGR growth in Net Profits
3
Positive results in Jun 25
- NII(Q) Highest at USD 144.4 MM
- CREDIT DEPOSIT RATIO(HY) Highest at 86.42%
- NET SALES(Q) Highest at USD 200.26 MM
4
With ROA of 0.73%, it has a fair valuation with a 1.18 Price to Book Value
- The stock is trading at a discount compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of -15.17%, its profits have risen by 6.5% ; the PEG ratio of the company is 2
5
High Institutional Holdings at 100%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
6
Below par performance in long term as well as near term
- Along with generating -15.17% returns in the last 1 year, the stock has also underperformed S&P 500 in the last 3 years, 1 year and 3 months
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Banner Corp. should be less than 10%
- Overall Portfolio exposure to Regional Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Banner Corp. for you?
Low Risk, High Return
Absolute
Risk Adjusted
Volatility
Banner Corp.
-11.72%
1.50
27.96%
S&P 500
13.22%
0.61
20.17%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
8.41%
EBIT Growth (5y)
6.10%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
39.37%
Pledged Shares
0
Institutional Holding
100.00%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
12
Industry P/E
Price to Book Value
1.18
EV to EBIT
10.38
EV to EBITDA
9.64
EV to Capital Employed
1.18
EV to Sales
2.72
PEG Ratio
1.97
Dividend Yield
229.14%
ROCE (Latest)
11.39%
ROE (Latest)
9.63%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bearish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Mildly Bearish (Daily)
KST
Bearish
Mildly Bearish
Dow Theory
Mildly Bullish
Mildly Bearish
OBV
Mildly Bullish
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend5What is working for the Company
NII(Q)
Highest at USD 144.4 MM
CREDIT DEPOSIT RATIO(HY)
Highest at 86.42%
NET SALES(Q)
Highest at USD 200.26 MM
0What is not working for the Company
NO KEY NEGATIVE TRIGGERS
Here's what is working for Banner Corp.
NII
Highest at USD 144.4 MM and Grown
In each period in the last five periodsMOJO Watch
The bank's income from core business is increasing
Net NPA
Net Sales
Highest at USD 200.26 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (USD MM)
Credit Deposit Ratio
Highest at 86.42%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets
Credit Deposit Ratio (%)
CASA
Highest at 13.26%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is improving. However, the bank may not be taking adequate risk in its lending book.
CAR (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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