📊 BANR Key Takeaways
Investment Thesis
Banner Corp demonstrates solid operational fundamentals with strong profitability metrics (33.2% net margin, 10% ROE) and robust cash generation (42.2% FCF margin). Revenue growth of 8.5% YoY combined with 15.7% net income growth shows improving operational leverage in a banking environment.
BANR Strengths
- Exceptional net profit margin of 33.2% indicates strong cost control and pricing power
- High-quality earnings with 42.2% FCF margin demonstrating substantial free cash flow generation
- Net income growth of 15.7% outpacing revenue growth of 8.5% reflects operational efficiency gains
- Strong stockholders equity of $1.9B against total assets of $16.4B provides stable capital base
- Significant operating cash flow of $257.5M supports sustainability of current performance
BANR Risks
- Very low interest coverage ratio of 0.7x indicates minimal buffer for adverse conditions despite zero long-term debt
- Modest ROA of 1.2% is relatively low for banking sector, suggesting asset utilization challenges
- Asset-heavy balance sheet with $14.4B liabilities leaves limited financial flexibility
- 13 Form 4 filings in 90 days warrant monitoring for insider activity patterns and potential concerns
- Operating margin of 12.4% is relatively constrained given the high net margin, indicating significant non-operating gains
Key Metrics to Watch
- Net interest margin and lending yield trends
- Asset quality metrics and loan loss provisions
- Capital adequacy ratios and regulatory compliance
- Deposit growth and funding stability
- Return on assets trajectory and efficiency ratio improvement
BANR Financial Metrics
💡 AI Analyst Insight
The 42.2% free cash flow margin provides substantial flexibility for dividends, buybacks, and strategic investments. The current ratio below 1.0x warrants monitoring of short-term liquidity.
BANR Profitability Ratios
BANR vs Finance Sector
How BANNER CORP compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
BANR Balance Sheet & Liquidity
BANR 5-Year Financial Trend
5-Year Trend Summary: BANNER CORP's revenue has remained relatively flat over the 5-year period, with a 0% decline. The most recent EPS of $5.33 reflects profitable operations.
BANR Growth Metrics (YoY)
BANR Quarterly Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q3 2022 | $10.5M | $26.6M | $1.43 |
| Q2 2022 | $9.8M | $44.0M | $1.39 |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
BANR Capital Allocation
BANR SEC Filings
Access official SEC EDGAR filings for BANNER CORP (CIK: 0000946673)
📋 Recent SEC Filings
❓ Frequently Asked Questions about BANR
What is the AI rating for BANR?
BANNER CORP (BANR) has an AI rating of BUY with 72% confidence, based on fundamental analysis of SEC EDGAR filings.
What are BANR's key strengths?
Exceptional net profit margin of 33.2% indicates strong cost control and pricing power. High-quality earnings with 42.2% FCF margin demonstrating substantial free cash flow generation.
What are the risks of investing in BANR?
Very low interest coverage ratio of 0.7x indicates minimal buffer for adverse conditions despite zero long-term debt. Modest ROA of 1.2% is relatively low for banking sector, suggesting asset utilization challenges.
What is BANR's revenue and growth?
BANNER CORP reported revenue of $587.9M.
Does BANR pay dividends?
BANNER CORP pays dividends, with $67.5M distributed to shareholders in the trailing twelve months.
Where can I find BANR SEC filings?
Official SEC filings for BANNER CORP (CIK: 0000946673) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is BANR's EPS?
BANNER CORP has a diluted EPS of $5.64.
How is the AI analysis conducted?
Our AI (Claude) analyzes publicly available SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports to evaluate financial health, profitability ratios, balance sheet strength, and growth metrics.