BANR

Banner Corporation

Fundamental data last updated:June 12, 2026

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company profile

SECTOR

Financial Services

industry

Banks - Regional

Exchange

NASDAQ

County of HQ

US

Next Earnings Date

07/15/2026

Business Summary

Banner Corporation operates as the bank holding company for Banner Bank that provide 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; construction, land, and land development loans; residential mortgage loans; commercial business loans; agricultural loans; and 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. In addition, it engages in the mortgage banking operations through the origination and sale of one-to four-family and multi-family residential loans, as well as small business administration loans. Further, the company provides electronic and digital banking services. As of December 31, 2021, it operated 150 branch offices and 18 loan production offices located in Washington, Oregon, California, Idaho, and Utah. Banner Corporation was founded in 1890 and is headquartered in Walla Walla, Washington.

 


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VALUATION

P/E

10.88

Market Cap ($M USD)

$2.23B

Forward P/E

9.84

PEG

0.93

PRICE TO SALES

2.70

PRICE TO BOOK

1.13

EV / EBITDA

8.77

5-Year Average P/E

Free Cash Flow Yield

13.56%

DCF Value

$45.77

Graham Number

$88.47

Price to FCF

7.38

EV to FCF

7.54

Earnings Yield

9.19%

FCF Yield

13.56%

DIVIDEND

Yield

3.05%

Annual Payout

$2.00

Payout Ratio

33.19%

Consecutive Years of Dividend Growth

5-Year Dividend Growth Rate

Financial Health & Profitability

Earnings Per Share

$6.02

Next Year EPS Growth Estimate

$6.66

Next Year Revenue Growth Estimate

$78.32B

Return on Equity (ROE)

10.66%

FREE CASH FLOW

Operating Margin

30.65%

Debt-to-Equity

0.19

Piotroski F-Score

8

Altman Z-Score

0.28

Return on Invested Capital (ROIC)

1.56%

Current Ratio

2.11

Quick Ratio

2.11

Net Debt to EBITDA

0.19

Interest Coverage

1.19

Gross Profit margin

80.30%

FCF PER SHARE

$8.87

REVENUE PER SHARE

$24.26

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Gainseekers Quantitative Analysis

Summary

Banner Corporation’s valuation appears to be a mixed bag. The market has priced it above its DCF Value, suggesting potential overvaluation, yet it trades below its Graham Number, indicating some intrinsic value. With a Forward P/E of 9.90 and an Earnings Yield of 9.17%, the stock seems attractively priced for growth. However, the Altman Z-score of 0.28 raises red flags about financial distress, hinting at underlying vulnerabilities. Overall, while the valuation metrics offer some appeal, the financial health indicators suggest caution.

AI Exposure / Tech Reliance

Operating in the regional banking sector, Banner Corporation faces both opportunities and challenges in adapting to AI and tech shifts. While banks are generally slow to innovate, the industry's increasing reliance on digital platforms could offer Banner a chance to enhance efficiency. However, the pace of tech adoption will be crucial to its long-term resilience.

The Bull Case

For value or GARP investors, Banner Corporation presents a compelling case. The company boasts a robust Piotroski F-Score of 8, indicating strong financial health and operational efficiency. Its Free Cash Flow Yield of 13.53% and solid operating margin of 30.65% highlight effective capital management and pricing power. These metrics suggest that Banner is well-positioned to generate consistent returns, making it an attractive buy for those seeking undervalued growth opportunities.

The Bear Case

Despite some strengths, Banner Corporation is not without its flaws. The Altman Z-score signals potential financial distress, and the stock's proximity to its 52-week high suggests technical overextension. Additionally, the low ROIC of 1.56% raises concerns about the company's ability to generate returns on invested capital. These factors, combined with a relatively high Price/Sales ratio of 2.70, suggest that investors should tread carefully.

Market Sentiment & Smart Money

Short Interest %

Analyst Consensus

Hold

Average Analyst Price Target

$70.00

Institutional Ownership %

1-Year Beta

0.85

Insider Buying % (6 Mo)

Distance to 52-Week High

6.56%

Distance to 52-Week Low

12.94%

EARNINGS SURPRISE %

15.22%

50-DAY SMA

$63.56

200-DAY SMA

$63.61

⚠️ Financial Disclaimer:
This content is for informational purposes only and is not financial advice. Information may be delayed or inaccurate. We may earn a commission from partner links.