ScoreWhy is Banner Corp. ?
1
High Profitability with a Net Interest Margin of 2.74%
2
Strong Long Term Fundamental Strength with a 10.15% CAGR growth in Net Profits
3
Flat results in Dec 25
- ROCE(HY) Lowest at 1.2%
- GROSS NPA (%)(Q) Highest at 0.39%
- CASH AND EQV(HY) Lowest at USD 376.22 MM
4
With ROA of 0.75%, it has a attractive valuation with a 1.14 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 -6.99%, its profits have risen by 15.4% ; the PEG ratio of the company is 0.7
5
High Institutional Holdings at 95.4%
- 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 -6.99% 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.
-6.99%
1.08
28.14%
S&P 500
17.78%
0.92
19.35%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
9.17%
EBIT Growth (5y)
6.38%
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
34.75%
Pledged Shares
0
Institutional Holding
95.40%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
11
Industry P/E
Price to Book Value
1.14
EV to EBIT
7.97
EV to EBITDA
7.47
EV to Capital Employed
1.17
EV to Sales
2.21
PEG Ratio
0.74
Dividend Yield
151.82%
ROCE (Latest)
14.72%
ROE (Latest)
9.96%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bearish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Mildly Bearish
Moving Averages
Bearish (Daily)
KST
Bearish
Mildly Bearish
Dow Theory
No Trend
Mildly Bearish
OBV
No Trend
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend6What is working for the Company
NII(Q)
Highest at USD 152.45 MM
ROCE(HY)
Highest at 1.2%
DIVIDEND PER SHARE(HY)
Highest at USD 0
-5What is not working for the Company
ROCE(HY)
Lowest at 1.2%
GROSS NPA (%)
(Q
CASH AND EQV(HY)
Lowest at USD 376.22 MM
Here's what is working for Banner Corp.
NII
Highest at USD 152.45 MM and Grown
In each period in the last five periodsMOJO Watch
The bank's income from core business is increasing
Net NPA
Dividend per share
Highest at USD 0
in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (USD)
CASA
Highest at 13.44%
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 (%)
Here's what is not working for Banner Corp.
Non Performing Loans (%)
Highest at 0.39%
in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are increasing
Non Performing Loans (%)
Cash and Eqv
Lowest at USD 376.22 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is deteriorating
Cash and Cash Equivalents
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