(BANR) Banner - Overview
Sector: Financial Services | Industry: Banks - Regional | Exchange: NASDAQ (USA) | Market Cap: 2.176m USD | Total Return: 7.5% in 12m
Avg Turnover: 14.1M
EPS Trend: -26.2%
Qual. Beats: 3
Rev. Trend: 86.7%
Qual. Beats: 0
Warnings
Choppy
Tailwinds
Confidence
Banner Corporation is a bank holding company headquartered in Walla Walla, Washington, serving as the parent for Banner Bank. Established in 1890, the firm provides comprehensive commercial and consumer banking services across the Western United States, including deposit products, treasury management, and digital banking platforms.
The company’s credit operations focus on a diversified lending portfolio comprising commercial real estate, residential mortgages, agricultural loans, and construction financing. As a regional bank, Banner Corporation relies heavily on the net interest margin, which is the spread between the interest income earned on loans and the interest paid to depositors.
Regional banks often face distinct regulatory requirements and geographic economic sensitivities compared to national money-center institutions. To evaluate how these specific regional factors influence long-term valuation, consider exploring the data available on ValueRay. This institution continues to leverage its historical footprint to maintain a stable core deposit base within its primary markets.
- Net interest margin performance hinges on Federal Reserve monetary policy shifts
- Pacific Northwest economic conditions dictate commercial real estate loan demand
- Deposit beta management impacts funding costs and overall profitability spreads
- Asset quality stability remains critical given high concentration in construction lending
- Efficiency ratio improvements through digital transformation efforts drive operating leverage
| Net Income: 205.0m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA -0.69 > 1.0 |
| NWC/Revenue: -1.68k% < 20% (prev -1.56k%; Δ -120.1% < -1%) |
| CFO/TA 0.02 > 3% & CFO 310.1m > Net Income 205.0m |
| Net Debt (82.6m) to EBITDA (270.2m): 0.31 < 3 |
| Current Ratio: 0.02 > 1.5 & < 3 |
| Outstanding Shares: last quarter (34.3m) vs 12m ago -1.51% < -2% |
| Gross Margin: 80.30% > 18% (prev 0.72%; Δ 7.96k% > 0.5%) |
| Asset Turnover: 5.08% > 50% (prev 5.22%; Δ -0.14% > 0%) |
| Interest Coverage Ratio: 1.19 > 6 (EBITDA TTM 270.2m / Interest Expense TTM 211.9m) |
| A: -0.85 (Total Current Assets 243.9m - Total Current Liabilities 14.1b) / Total Assets 16.3b |
| B: 0.06 (Retained Earnings 909.2m / Total Assets 16.3b) |
| C: 0.02 (EBIT TTM 253.1m / Avg Total Assets 16.3b) |
| D: 0.14 (Book Value of Equity 1.97b / Total Liabilities 14.4b) |
| Altman-Z'' = -5.15 = D |
| DSRI: 1.02 (Receivables 63.7m/64.0m, Revenue 825.8m/843.6m) |
| GMI: 0.90 (GM 80.30% / 72.07%) |
| AQI: 1.02 (AQ_t 0.98 / AQ_t-1 0.96) |
| SGI: 0.98 (Revenue 825.8m / 843.6m) |
| TATA: -0.01 (NI 205.0m - CFO 310.1m) / TA 16.3b) |
| Beneish M = -3.11 (Cap -4..+1) = AA |
As of May 24, 2026, the stock is trading at USD 64.65 with a total of 159,821 shares traded.
Over the past week, the price has changed by +3.31%,
over one month by +2.49%,
over three months by +7.90% and
over the past year by +7.46%.
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 | 72.8 | 12.7% |
P/E Forward = 13.8504
P/S = 3.2926
P/B = 1.0811
P/EG = 1.8295
Revenue TTM = 825.8m USD
EBIT TTM = 253.1m USD
EBITDA TTM = 270.2m USD
Long Term Debt = 79.5m USD (from longTermDebt, last quarter)
Short Term Debt = 115.7m USD (from shortTermDebt, last quarter)
Debt = 262.8m USD (from shortLongTermDebtTotal, last quarter) + Leases 33.8m
Net Debt = 82.6m USD (calculated: Debt 262.8m - CCE 180.2m)
Enterprise Value = 2.26b USD (2.18b + Debt 262.8m - CCE 180.2m)
Interest Coverage Ratio = 1.19 (Ebit TTM 253.1m / Interest Expense TTM 211.9m)
EV/FCF = 27.05x (Enterprise Value 2.26b / FCF TTM 83.5m)
FCF Yield = 3.70% (FCF TTM 83.5m / Enterprise Value 2.26b)
FCF Margin = 10.11% (FCF TTM 83.5m / Revenue TTM 825.8m)
Net Margin = 24.82% (Net Income TTM 205.0m / Revenue TTM 825.8m)
Gross Margin = 80.30% ((Revenue TTM 825.8m - Cost of Revenue TTM 162.7m) / Revenue TTM)
Gross Margin QoQ = 78.40% (prev 76.14%)
Tobins Q-Ratio = 0.14 (Enterprise Value 2.26b / Total Assets 16.3b)
Interest Expense / Debt = 80.64% (Interest Expense 211.9m / Debt 262.8m)
Taxrate = 18.96% (12.8m / 67.5m)
NOPAT = 205.1m (EBIT 253.1m * (1 - 18.96%))
Current Ratio = 0.01 (Total Current Assets 243.9m / Total Current Liabilities 27.3b)
Debt / Equity = 0.13 (Debt 262.8m / totalStockholderEquity, last quarter 1.97b)
Debt / EBITDA = 0.31 (Net Debt 82.6m / EBITDA 270.2m)
Debt / FCF = 0.99 (Net Debt 82.6m / FCF TTM 83.5m)
Total Stockholder Equity = 1.92b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.26% (Net Income 205.0m / Total Assets 16.3b)
RoE = 10.66% (Net Income TTM 205.0m / Total Stockholder Equity 1.92b)
RoCE = 12.64% (EBIT 253.1m / Capital Employed (Equity 1.92b + L.T.Debt 79.5m))
RoIC = 1.26% (NOPAT 205.1m / Invested Capital 16.3b)
WACC = 7.93% (E(2.18b)/V(2.44b) * Re(8.89%) + (debt cost/tax rate unavailable))
Discount Rate = 8.89% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 2.22 | Cagr: -0.28%
[DCF] Terminal Value 73.10% ; FCFF base≈127.5m ; Y1≈111.8m ; Y5≈90.3m
[DCF] Fair Price = 40.26 (EV 1.45b - Net Debt 82.6m = Equity 1.37b / Shares 34.0m; r=8.35% [WACC [floored]]; 5y FCF grow -15.0% → 2.50% )
EPS Correlation: -26.18 | EPS CAGR: -2.34% | SUE: 4.0 | # QB: 3
Revenue Correlation: 86.66 | Revenue CAGR: 6.34% | SUE: 0.72 | # QB: 0
EPS current Quarter (2026-06-30): EPS=1.47 | Chg30d=+3.03% | Revisions=+60% | Analysts=6
EPS next Quarter (2026-09-30): EPS=1.47 | Chg30d=-3.07% | Revisions=+33% | Analysts=3
EPS current Year (2026-12-31): EPS=5.97 | Chg30d=+1.70% | Revisions=+40% | GrowthEPS=+4.8% | GrowthRev=+7.6%
EPS next Year (2027-12-31): EPS=6.69 | Chg30d=+6.33% | Revisions=+60% | GrowthEPS=+12.0% | GrowthRev=+10.6%
[Analyst] Revisions Ratio: +60%