BANR Stock Analysis: Banner | NASDAQ
Banks - Regional | NASDAQ, USA | Market Cap: 2.297m USD | 12M Return: 2.3% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 16.7M
EPS Trend: -26.2%
Qual. Beats: 3
Rev. Trend: 86.7%
Qual. Beats: 0
Warnings
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: 205.0m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.02 > 0.02 and ΔFCF/TA 0.08 > 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 (263.4m): 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 72.07%; Δ 8.23% > 0.5%) |
| Asset Turnover: 5.08% > 50% (prev 5.22%; Δ -0.14% > 0%) |
| Interest Coverage Ratio: 1.19 > 6 (EBIT TTM 253.1m / 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 72.07% / 80.30%) |
| 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 July 08, 2026, the stock is trading at USD 67.33 with a total of 203,053 shares traded. Over the past week, the price has changed by +1.55%, over one month by +3.90%, over three months by +8.25% and over the past year by +2.29%.
Current recommended Stop Loss: 64.50 (which is 4.2% or 2.1 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 | 73.7 | 9.4% |
P/E Trailing = 11.3805
P/E Forward = 12.3916
P/S = 3.4769
P/B = 1.1607
P/EG = 1.8295
Revenue TTM = 825.8m USD
EBIT TTM = 253.1m USD
EBITDA TTM = 263.4m 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 = 2.38b USD (2.30b + Debt 262.8m - CCE 180.2m)
Interest Coverage Ratio = 1.19 (Ebit TTM 253.1m / Interest Expense TTM 211.9m)
EV/FCF = 7.89x (Enterprise Value 2.38b / FCF TTM 301.8m)
FCF Yield = 12.68% (FCF TTM 301.8m / Enterprise Value 2.38b)
FCF Margin = 36.55% (FCF TTM 301.8m / 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 = 0.15 (Enterprise Value 2.38b / Total Assets 16.3b)
Interest Expense / Debt = 80.64% (Interest Expense 211.9m / Debt 262.8m)
Taxrate = 18.22% (45.7m / 250.6m)
NOPAT = 207.0m (EBIT 253.1m * (1 - 18.22%))
Current Ratio = 0.02 (Total Current Assets 243.9m / Total Current Liabilities 14.1b)
Debt / Equity = 0.13 (Debt 262.8m / totalStockholderEquity, last quarter 1.97b)
Debt / EBITDA = 0.31 (Net Debt 82.6m / EBITDA 263.4m)
Debt / FCF = 0.27 (Net Debt 82.6m / FCF TTM 301.8m)
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 = 1.27% (NOPAT 207.0m / Invested Capital 16.3b)
WACC = 7.52% (E(2.30b)/V(2.56b) * Re(8.38%) + (debt cost/tax rate unavailable))
Discount Rate = 8.38% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 2.22 | Cagr: -0.28%
[DCF] Terminal Value 76.15% ; FCFF base≈295.4m ; Y1≈310.4m ; Y5≈360.1m
[DCF] Fair Price = 160.8 (EV 5.55b - Net Debt 82.6m = Equity 5.47b / Shares 34.0m; r=8.35% [WACC [floored]]; 5y FCF grow 5.60% → 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=+0.00% | Revisions=+67% | Analysts=6
EPS next Quarter (2026-09-30): EPS=1.61 | Chg30d=+6.98% | Revisions=+38% | Analysts=3
EPS current Year (2026-12-31): EPS=5.94 | Chg30d=-2.41% | Revisions=-25% | GrowthEPS=+4.2% | GrowthRev=+7.7%
EPS next Year (2027-12-31): EPS=6.71 | Chg30d=-0.33% | Revisions=-25% | GrowthEPS=+13.0% | GrowthRev=+11.0%
[Analyst] Revisions Ratio: +44% (up=10, down=3)