(BANR) Banner - Ratings and Ratios

Banner Corporation (NASDAQ: BANR) is a bank holding company with a rich history dating back to 1890. Headquartered in Walla Walla, Washington, the company operates primarily through its subsidiary, Banner Bank, which serves individuals, businesses, and public sector entities across the Pacific Northwest. With a strong focus on community banking, Banner Corporation has built a reputation for stability and personalized service.

The companys deposit offerings are diverse, ranging from traditional checking and savings accounts to more specialized products like money market deposit accounts and certificates of deposit. This breadth helps attract a wide range of customers, from individual savers to larger institutional clients. Deposits are the lifeblood of any bank, and Banners ability to maintain a stable deposit base is a key strength.

On the lending side, Banner Corporation has a well-diversified portfolio. Commercial real estate loans make up a significant portion, covering everything from owner-occupied properties to investment and multifamily housing. The bank also provides construction and land development loans, which are critical for local economic growth. Residential lending is another major area, with a focus on one- to four-family homes. Additionally, the bank offers agricultural loans, supporting the regions farming communities, as well as consumer loans for autos, boats, and recreational vehicles. Small Business Administration (SBA) loans are also a notable part of the mix, highlighting the banks commitment to supporting small businesses.

Banner Corporations digital banking capabilities are modern and user-friendly, offering services like online banking, mobile banking, and remote deposit. These tools are essential for both individual and business customers, allowing them to manage their finances efficiently. The bank has struck a balance between maintaining a strong community presence and embracing technology to meet the evolving needs of its customers.

For investors, Banner Corporations financial metrics provide insight into its performance. With a market capitalization of $2.366 billion, the company is a mid-sized regional bank. The trailing P/E ratio of 14.04 and forward P/E of 13.81 suggest that the market is pricing in moderate growth expectations. The price-to-book (P/B) ratio of 1.33 indicates that the stock is trading at a modest premium to its book value, which is common for stable banks. The price-to-sales (P/S) ratio of 3.94 reflects the companys revenue generation relative to its market value.