BANR Stock Analysis: Banner | NASDAQ
Banks - Regional | NASDAQ, USA | Market Cap: 2.340m USD | 12M Return: 11.3% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 26.9M
EPS Trend: 15.2%
Qual. Beats: 0
Rev. Trend: 16.2%
Qual. Beats: -1
Warnings
No concerns identified
Tailwinds
Seasonality 10.5 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Banner Corporation is the bank holding company for Banner Bank, a regional U.S. commercial bank headquartered in Walla Walla, Washington. Founded in 1890, the company provides traditional banking products and financial services to individuals, businesses, and public sector clients, operating within the community and regional banking model that focuses on relationship-based lending and local deposit gathering.
The companys core activities include accepting deposits (checking, savings, money market, and certificates of deposit) and originating a diverse loan portfolio spanning commercial real estate, residential mortgages, construction and land development, commercial business loans, agricultural lending, and consumer loans. Banner Bank also offers treasury management, retirement savings plans, and digital banking services such as online and mobile banking, remote deposit capture, and debit/ATM programs.
As a mid-cap regional bank listed on NASDAQ under the ticker BANR, Banner Corporation operates primarily in the Pacific Northwest, a market segment where community banks compete with both large national banks and smaller local institutions by emphasizing local decision-making and tailored customer service.
- Net interest margin compresses amid deposit cost pressures
- Commercial real estate loan portfolio faces credit headwinds
- Loan demand softens as regional banks compete for deposits
| Net Income: 208.4m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.02 > 0.02 and ΔFCF/TA 0.08 > 1.0 |
| NWC/Revenue: 24.90% < 20% (prev -1.52k%; Δ 1.55k% < -1%) |
| CFO/TA 0.02 > 3% & CFO 310.1m > Net Income 208.4m |
| Net Debt (364.5m) to EBITDA (308.0m): 1.18 < 3 |
| Current Ratio: 2.45 > 1.5 & < 3 |
| Outstanding Shares: last quarter (34.2m) vs 12m ago -1.56% < -2% |
| Gross Margin: 77.67% > 18% (prev 72.29%; Δ 5.38% > 0.5%) |
| Asset Turnover: 4.04% > 50% (prev 5.21%; Δ -1.17% > 0%) |
| Interest Coverage Ratio: 1.49 > 6 (EBIT TTM 306.2m / Interest Expense TTM 205.0m) |
| A: 0.01 (Total Current Assets 280.5m - Total Current Liabilities 114.5m) / Total Assets 16.6b |
| B: 0.06 (Retained Earnings 940.2m / Total Assets 16.6b) |
| C: 0.02 (EBIT TTM 306.2m / Avg Total Assets 16.5b) |
| D: 0.14 (Book Value of Equity 2.00b / Total Liabilities 14.6b) |
| Altman-Z'' = 0.52 = B |
| DSRI: 1.29 (Receivables 65.0m/64.7m, Revenue 666.9m/856.4m) |
| GMI: 0.93 (GM 72.29% / 77.67%) |
| AQI: 1.02 (AQ_t 0.97 / AQ_t-1 0.95) |
| SGI: 0.78 (Revenue 666.9m / 856.4m) |
| TATA: -0.01 (NI 208.4m - CFO 310.1m) / TA 16.6b) |
| Beneish M = -3.00 (Cap -4..+1) = A |
As of July 28, 2026, the stock is trading at USD 70.23 with a total of 348,519 shares traded. Over the past week, the price has changed by -0.52%, over one month by +5.93%, over three months by +4.87% and over the past year by +11.32%.
Current recommended Stop Loss: 68.30 (which is 2.7% or 1.2 ATR below the current price).
Banner has received a consensus analysts rating of 4.00. Therefore, it is recommended to buy BANR.
- StrongBuy: 2
- Buy: 1
- Hold: 2
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 74.4 | 5.9% |
P/E Trailing = 11.5909
P/E Forward = 13.8504
P/S = 3.4843
P/B = 1.2031
P/EG = 1.8295
Revenue TTM = 666.9m USD
EBIT TTM = 306.2m USD
EBITDA TTM = 308.0m USD
Long Term Debt = 229.2m USD (from longTermDebt, last fiscal year)
Short Term Debt = 114.5m USD (from shortTermDebt, last quarter)
Debt = 580.1m USD (from shortLongTermDebtTotal, last quarter) + Leases 33.8m
Net Debt = 364.5m USD (calculated: Debt 580.1m - CCE 215.5m)
Enterprise Value = 2.70b USD (2.34b + Debt 580.1m - CCE 215.5m)
Interest Coverage Ratio = 1.49 (Ebit TTM 306.2m / Interest Expense TTM 205.0m)
EV/FCF = 8.96x (Enterprise Value 2.70b / FCF TTM 301.8m)
FCF Yield = 11.16% (FCF TTM 301.8m / Enterprise Value 2.70b)
FCF Margin = 45.25% (FCF TTM 301.8m / Revenue TTM 666.9m)
Net Margin = 31.24% (Net Income TTM 208.4m / Revenue TTM 666.9m)
Gross Margin = 77.67% ((Revenue TTM 666.9m - Cost of Revenue TTM 148.9m) / Revenue TTM)
Gross Margin QoQ = 20.69% (prev 78.40%)
Tobins Q-Ratio = 0.16 (Enterprise Value 2.70b / Total Assets 16.6b)
Interest Expense / Debt = 35.34% (Interest Expense 205.0m / Debt 580.1m)
Taxrate = 18.22% (46.4m / 254.8m)
NOPAT = 250.4m (EBIT 306.2m * (1 - 18.22%))
Current Ratio = 2.45 (Total Current Assets 280.5m / Total Current Liabilities 114.5m)
Debt / Equity = 0.29 (Debt 580.1m / totalStockholderEquity, last quarter 2.00b)
Debt / EBITDA = 1.18 (Net Debt 364.5m / EBITDA 308.0m)
Debt / FCF = 1.21 (Net Debt 364.5m / FCF TTM 301.8m)
Total Stockholder Equity = 1.96b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.26% (Net Income 208.4m / Total Assets 16.6b)
RoE = 10.65% (Net Income TTM 208.4m / Total Stockholder Equity 1.96b)
RoCE = 14.01% (EBIT 306.2m / Capital Employed (Equity 1.96b + L.T.Debt 229.2m))
RoIC = 1.51% (NOPAT 250.4m / Invested Capital 16.6b)
WACC = 12.64% (E(2.34b)/V(2.92b) * Re(8.61%) + D(580.1m)/V(2.92b) * Rd(35.34%) * (1-Tc(0.18)))
Discount Rate = 8.61% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -53.75 | Cagr: -0.42%
[DCF] Terminal Value 62.91% ; FCFF base≈295.4m ; Y1≈310.4m ; Y5≈360.1m
[DCF] Fair Price = 83.15 (EV 3.19b - Net Debt 364.5m = Equity 2.83b / Shares 34.0m; r=12.64% [WACC]; 5y FCF grow 5.60% → 2.50% )
EPS Correlation: 15.19 | EPS CAGR: 1.34% | SUE: -0.49 | # QB: 0
Revenue Correlation: 16.21 | Revenue CAGR: 1.33% | SUE: -1.74 | # QB: -1
EPS current Quarter (2026-09-30): EPS=1.60 | Chg30d=+6.09% | Revisions=+38% | Analysts=3
EPS current Year (2026-12-31): EPS=5.85 | Chg30d=-3.84% | Revisions=-25% | GrowthEPS=+2.6% | GrowthRev=+7.0%
EPS next Year (2027-12-31): EPS=6.63 | Chg30d=-1.55% | Revisions=-25% | GrowthEPS=+13.3% | GrowthRev=+10.2%
[Analyst] Revisions Ratio: +10% (up=4, down=3)