ScoreWhy is Banner Corp. ?
1
High Profitability with a Net Interest Margin of 2.75%
2
Strong Long Term Fundamental Strength with a 10.15% CAGR growth in Net Profits
3
Positive results in Mar 26
- OPERATING CASH FLOW(Y) Highest at USD 344.57 MM
- ROCE(HY) Highest at 1.26%
- DIVIDEND PER SHARE(HY) Highest at USD 0
4
With ROA of 0.73%, it has a attractive valuation with a 1.05 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 4.23%, its profits have risen by 15.7% ; the PEG ratio of the company is 0.6
5
High Institutional Holdings at 93.99%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
6
Underperformed the market in the last 1 year
- The stock has generated a return of 4.23% in the last 1 year, much lower than market (S&P 500) returns of 22.99%
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?
Medium Risk, High Return
Absolute
Risk Adjusted
Volatility
Banner Corp.
4.23%
1.65
26.35%
S&P 500
22.99%
1.78
12.93%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
9.17%
EBIT Growth (5y)
6.12%
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
34.77%
Pledged Shares
0
Institutional Holding
93.99%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
10
Industry P/E
Price to Book Value
1.05
EV to EBIT
7.60
EV to EBITDA
7.03
EV to Capital Employed
1.06
EV to Sales
2.09
PEG Ratio
0.62
Dividend Yield
84.35%
ROCE (Latest)
13.91%
ROE (Latest)
10.04%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bullish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bullish
Sideways
Moving Averages
Mildly 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 Trend11What is working for the Company
OPERATING CASH FLOW(Y)
Highest at USD 344.57 MM
ROCE(HY)
Highest at 1.26%
DIVIDEND PER SHARE(HY)
Highest at USD 0
CREDIT DEPOSIT RATIO(HY)
Highest at 84.59%
OPERATING PROFIT(Q)
Highest at USD 68.76 MM
OPERATING PROFIT MARGIN(Q)
Highest at 34.76 %
PRE-TAX PROFIT(Q)
Highest at USD 67.52 MM
NET PROFIT(Q)
Highest at USD 54.72 MM
EPS(Q)
Highest at USD 1.6
-3What is not working for the Company
ROCE(HY)
Lowest at 1.26%
CASH AND EQV(HY)
Lowest at USD 362.93 MM
Here's what is working for Banner Corp.
Operating Cash Flow
Highest at USD 344.57 MM
in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (USD MM)
Operating Profit
Highest at USD 68.76 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (USD MM)
Operating Profit Margin
Highest at 34.76 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
Highest at USD 67.52 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
Net Profit
Highest at USD 54.72 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
EPS
Highest at USD 1.6
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (USD)
Dividend per share
Highest at USD 0
in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (USD)
Credit Deposit Ratio
Highest at 84.59%
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 13.6%
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.
Cash and Eqv
Lowest at USD 362.93 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is deteriorating
Cash and Cash Equivalents
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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