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Banner Corporation (BANR)

NEUTRAL
Financial ServicesBanks - RegionalUnited States

ファンダメンタル

71

株価

$70.38

時価総額

$2.42B

パート1 · 企業の価値

概要

Banner Corporation operates as the bank holding company for Banner Bank that engages in the provision of commercial banking and financial products and services to individuals, businesses, and public sector entities in the United States. It accepts various deposit instruments, 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 owner-occupied, investment properties, and multifamily residential real estate loans; one- to four-family residential real estate lending; construction, land, and land development loans; commercial business loans; agricultural mortgage and business loans; consumer and other loans, such as home equity lines of credit, automobile, and boat and recreational vehicle loans, as well as loans secured by deposit accounts; and loan solicitation and processing services. In addition, it provides electronic and digital banking services comprising debit cards and ATM programs, internet banking, remote deposit capture, and mobile banking services. The company was founded in 1890 and is based in Walla Walla, Washington.

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貸借対照表と流動性

売上高

$632M

2025/12/31に終了した会計年度

純利益

$195M

2025/12/31に終了した会計年度

フリーキャッシュフロー

$248M

自己資本合計

$1.95B

負債合計

$14.41B

流動比率

-

利払い倍率

0.12

負債/EBITDA

-

一株当たり利益(EPS)

売上高と純利益

フリーキャッシュフロー

収益内訳

財務推移表

利益率の推移

負債の推移

負債の重さ

成長率グリッド

成長率 — 売上高

適正価値の推定

Bank適正価値

適正価値

$68.18

現在株価

$70.38

安全マージン

-3.2%

適正価値レンジ

$55.33 - $81.03

推定方法

Analyst price target:$76.50
Discounted cash flow (DCF):Not applicable to this type of company
Earnings multiple (P/E):$66.39
Graham growth formula:Not applicable to this type of company
Earnings power value (EPV):Not applicable to this type of company
Justified P/B:$74.99
Dividend discount (Gordon):$40.48
P/FFO, funds from operations:Not applicable to this type of company
Mid-cycle earnings:Not applicable to this type of company
Revenue multiple:Not applicable to this type of company
アナリスト・コンセンサス:買い (8B / 5H / 0S)
直近の決算サプライズ:-4.69%

バリュエーション指標

P/E レシオ

12.64

ROE

10.0%

P/B レシオ

1.20

P/FCF

8.44

粗利益率

-

ROIC

-

収益性レーダー

Value Creation (Economic Moat)

ROIC

-

WACC

10.2%

ROIC − WACC

-

ファンダメンタル分析基準

合格(15)

  • EPS shows upward trend
  • P/FCF 8.44
  • P/B Ratio 1.20
  • Positive Free Cash Flow
  • CapEx intensity
  • Low reliance on intangibles
  • Price below Graham Number
  • ROE 10.7%
  • Revenue Growth 5Y 6.8%
  • Analyst Consensus 62% Buy
  • Earnings Surprise avg 5.2%
  • PEG Ratio 1.04
  • Earnings Quality (OCF/NI) 1.41
  • Share Dilution 0.1%
  • Piotroski F-Score 6/9

不合格(5)

  • Price CAGR 2.46%
  • Debt/Equity ratio
  • Interest Coverage
  • Return on Tangible Assets
  • DCF valuation (Fairly valued)

データなし(7)

  • ROIC NaN%
  • Gross Margin NaN%
  • Dividend Payout NaN%
  • Operating Margin NaN%
  • Current Ratio
  • Debt/EBITDA
  • Net Margin Trend (invalid data)

Piotroski F-スコア

6/9

まちまちのシグナル:一部の領域に注意が必要

score
criteria

利益の質

1.41

高品質:利益はキャッシュに裏付けられている

株式希薄化

0.1%

株式数は安定している

ガバナンス

経営陣

氏名役職年齢
Mr. Mark J. GrescovichPresident, CEO & Director61
Mr. Robert G. ButterfieldExecutive VP, CFO & Treasurer56
Ms. Cynthia D. PurcellExecutive VP and Chief Strategy & Administration Officer of Banner Bank68
Mr. James M. CostaExecutive VP & COO of Banner Bank56
Mr. Mark Charles BorreccoEVP & Chief Banking Officer53
Ms. Janet M. BrownExecutive VP & Chief Information Officer57
Mr. Rich ArnoldHead of Investor Relations-
Ms. Sherrey L. LuetjenExecutive VP, General Counsel, Ethics Officer & Secretary53
Ms. Kayleen R. KohlerExecutive Vice President of Human Resources52
Ms. Jill M. RiceExecutive VP & Chief Credit Officer59

監査リスク

2

取締役会リスク

2

報酬リスク

1

株主権利リスク

4

パート2 · 株価と買い時

この部分は企業に価値があるかを判断するものではありません。ファンダメンタルズに納得したうえで、いつ買うかを選ぶためのものです。内容:テクニカル分析、ポテンシャル、過去のドローダウン、ガンマエクスポージャー。

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