NASDAQ$BANR

Banner Corporation · Q1 2022 earnings

Q1 2022 earnings · · Investor relations

Briefing

Net income decreased by 6% due to on-going low interest rate environment and loan forgiveness under the Small Business Administration.

Banner Corporation reported a net income of $44.0 million, or $1.27 per diluted share, for the first quarter of 2022. Revenues decreased 3% to $138.1 million. The company's performance was affected by the on-going low interest rate environment and loan forgiveness under the Small Business Administration.

  • Revenues decreased 3% to $138.1 million.
  • Net interest income decreased to $118.7 million.
  • Mortgage banking revenues decreased 61% to $4.4 million.
  • Net loans receivable decreased 8% to $8.98 billion.

Headline financials

Total Revenue

$119M

Previous: $118M+0.8%
EPS (adj)

$1.33

Previous: $1.33+0.0%
Net Interest Margin

3.2%

Previous: 3.4%-7.6%
Return on Avg Assets

1.1%

Previous: 1.2%-14.5%
Efficiency Ratio

66.0%

Previous: 65.0%+1.5%
Capital Expenditures

-$3.31M

Previous: -$2.33M-41.6%
Free Cash Flow

$40.7M

Previous: $44.5M-8.7%
Net Income

$44M

Previous: $46.9M-6.2%
Operating Income

$19.4M

Previous: $24.3M-20.0%
Gross Profit

$112M

Previous: $108M+3.0%
Cash & Equivalents

$1.99B

Previous: $1.65B+20.5%
Total Assets

$16.8B

Previous: $16.1B+4.1%
Stock-Based Comp

$2.08M

Previous: $2.15M-3.3%

Revenue & EPS history

Banner · Revenue · Quarterly

$119M

Q1 2022+0.8%vs Q1 2021
Beat estimate in 7 of 16 quarters(44%)
ActualEstimate

Revenue by segment

Banner · $2.05M total across 1 segment · Q3 2023

  • Mortgage banking
    $2.05M

Forward guidance

The remaining efficiency-related initiatives are anticipated to be implemented sequentially over the next two quarters with implementation of the revenue initiatives ramping up in the second half of the year. Full implementation is expected by 2023, with the goal of delivering sequential improvements in operating performance over the course of the next five quarters while staying true to our mission and values.

Historical earnings impact

How earnings announcements have historically affected this stock's price.

Avg. return before/after earnings

Based on 20 quarterly earnings reports · overlaid with Q1 2022

Historical avgQ1 2022

+0.1%

Avg return

Earnings day

+0.2%

Avg return

5 days after

+2.2%

Avg return

30 days after

55%

36 / 66 earnings

Positive

+11.5%

Q1 2020

Best reaction

-18.2%

Q2 2011

Worst reaction

Earnings price reactions
QuarterReport dateReaction (Day 0)+5 days+30 days
Q1 2026-0.4%+5.9%+1.6%
Q4 2025+0.2%-7.1%-2.6%
Q3 2025-0.3%+0.7%-1.7%
Q2 2025-2.7%-2.1%+0.9%
Q1 2025+1.4%+2.7%+8.6%
Q4 2024+0.1%+1.2%-4.1%
Q3 2024+4.4%-0.6%+13.0%
Q2 2024+0.0%+1.1%-3.1%
Q1 2024+1.8%+5.2%+9.5%
Q4 2023-0.6%-0.9%-7.9%
Q3 2023-0.9%-6.6%+4.7%
Q2 2023-5.8%-7.1%-8.5%
Q1 2023-0.8%-4.6%-12.3%
Q4 2022+5.1%+3.3%+4.8%
Q3 2022-0.4%+0.4%+3.1%
Q2 2022+0.5%+1.0%+8.4%
Q1 2022+0.1%-1.4%-5.1%
Q4 2021-4.6%-1.9%-4.2%
Q3 2021+4.8%+6.3%+7.7%
Q2 2021+1.6%+3.1%+9.2%
Q1 2021+2.6%+7.5%+11.4%
Q4 2020+0.5%-5.0%-0.3%
Q3 2020+5.4%+6.0%+16.9%
Q2 2020+2.1%-2.8%-5.7%
Q1 2020+11.5%+12.1%+19.9%
Q4 2019-1.8%-3.3%-1.4%
Q3 2019-1.0%+1.5%-3.7%
Q2 2019+6.6%+7.3%-2.2%
Q1 2019-6.6%-2.9%-4.3%
Q4 2018-0.3%-3.3%+13.7%
Q3 2018+6.3%+6.8%+7.9%
Q2 2018+2.3%+1.3%+5.5%
Q1 2018+3.8%+3.7%+6.7%
Q4 2017-3.4%-5.1%-2.9%
Q3 2017-6.6%-9.0%-9.5%
Q2 2017+1.4%+0.4%-2.2%
Q1 2017+3.5%+0.7%-0.9%
Q4 2016+0.4%-2.2%+2.3%
Q3 2016-0.6%+0.3%+16.0%
Q2 2016-0.2%-3.2%+0.4%
Q1 2016-0.8%
Q4 2015-0.2%
Q3 2015-0.1%
Q2 2015+1.3%
Q1 2015-0.7%
Q4 2014+4.9%
Q3 2014+3.3%
Q2 2014+4.8%
Q1 2014+2.1%
Q4 2013-1.5%
Q3 2013+1.8%
Q2 2013-0.9%
Q1 2013+1.7%
Q1 2010+1.1%
Q4 2012-5.0%
Q3 2012-0.7%
Q2 2012-0.9%
Q1 2011+1.5%
Q1 2012+1.5%
Q4 2011+3.6%
Q4 2009+3.6%
Q4 2010+3.6%
Q3 2010-6.3%
Q3 2011-6.3%
Q2 2010-18.2%
Q2 2011-18.2%

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