(BANR) Banner - Overview
Exchange: NASDAQ •
Country: United States •
Currency: USD •
Type: Common Stock •
ISIN: US06652V2088
Stock: Loans, Deposits, Treasury, Digital, Banking
Total Rating 32
Risk 42
Buy Signal 0.19
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 3.84% |
| Yield on Cost 5y | 4.68% |
| Yield CAGR 5y | 4.29% |
| Payout Consistency | 88.8% |
| Payout Ratio | 34.3% |
| Risk 5d forecast | |
|---|---|
| Volatility | 31.3% |
| Relative Tail Risk | -19.1% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | -0.25 |
| Alpha | -19.52 |
| Character TTM | |
|---|---|
| Beta | 0.769 |
| Beta Downside | 0.914 |
| Drawdowns 3y | |
|---|---|
| Max DD | 36.89% |
| CAGR/Max DD | 0.11 |
Description: BANR Banner January 13, 2026
Banner Corporation (NASDAQ:BANR) is the holding company for Banner Bank, a regional bank headquartered in Walla Walla, Washington, that offers a full suite of deposit, loan, and treasury-management products to individuals, businesses, and public-sector clients across the United States.
Key performance indicators as of the most recent filing (Q3 2025) show a net interest margin of 3.2%, a loan-to-deposit ratio of 78%, and a return on equity (ROE) of 11.4%, reflecting solid profitability relative to peers in the Regional Banks sub-industry.
The bank’s earnings are highly sensitive to the Federal Reserve’s policy rate cycle; a higher rate environment typically expands net interest income but can also compress loan demand, especially in commercial real-estate and agricultural segments where Banner has significant exposure.
For a deeper quantitative view, you might explore ValueRay’s analyst tools to assess how these drivers could impact BANR’s valuation.
Piotroski VR‑10 (Strict, 0-10) 4.5
| Net Income: 195.4m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.02 > 0.02 and ΔFCF/TA 0.43 > 1.0 |
| NWC/Revenue: -1691 % < 20% (prev -1578 %; Δ -113.1% < -1%) |
| CFO/TA 0.02 > 3% & CFO 331.8m > Net Income 195.4m |
| Net Debt (189.8m) to EBITDA (252.6m): 0.75 < 3 |
| Current Ratio: 0.02 > 1.5 & < 3 |
| Outstanding Shares: last quarter (34.4m) vs 12m ago -0.96% < -2% |
| Gross Margin: 79.04% > 18% (prev 0.72%; Δ 7832 % > 0.5%) |
| Asset Turnover: 5.03% > 50% (prev 5.11%; Δ -0.07% > 0%) |
| Interest Coverage Ratio: 1.11 > 6 (EBITDA TTM 252.6m / Interest Expense TTM 217.0m) |
Altman Z'' -5.14
| A: -0.85 (Total Current Assets 286.2m - Total Current Liabilities 14.14b) / Total Assets 16.35b |
| B: 0.05 (Retained Earnings 871.8m / Total Assets 16.35b) |
| C: 0.01 (EBIT TTM 241.4m / Avg Total Assets 16.28b) |
| D: 0.14 (Book Value of Equity 1.95b / Total Liabilities 14.41b) |
| Altman-Z'' Score: -5.14 = D |
Beneish M -3.11
| DSRI: 1.00 (Receivables 60.5m/60.9m, Revenue 819.5m/827.3m) |
| GMI: 0.91 (GM 79.04% / 71.96%) |
| AQI: 1.02 (AQ_t 0.97 / AQ_t-1 0.95) |
| SGI: 0.99 (Revenue 819.5m / 827.3m) |
| TATA: -0.01 (NI 195.4m - CFO 331.8m) / TA 16.35b) |
| Beneish M-Score: -3.11 (Cap -4..+1) = AA |
What is the price of BANR shares?
As of February 07, 2026, the stock is trading at USD 64.59 with a total of 295,397 shares traded.
Over the past week, the price has changed by +5.28%, over one month by +1.38%, over three months by +9.17% and over the past year by -6.55%.
Over the past week, the price has changed by +5.28%, over one month by +1.38%, over three months by +9.17% and over the past year by -6.55%.
Is BANR a buy, sell or hold?
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
What are the forecasts/targets for the BANR price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 70.4 | 9% |
| Analysts Target Price | 70.4 | 9% |
| ValueRay Target Price | 67.6 | 4.6% |
BANR Fundamental Data Overview February 01, 2026
P/E Trailing = 10.9645
P/E Forward = 12.3916
P/S = 3.2556
P/B = 1.0827
P/EG = 2.18
Revenue TTM = 819.5m USD
EBIT TTM = 241.4m USD
EBITDA TTM = 252.6m USD
Long Term Debt = 176.3m USD (from longTermDebt, two quarters ago)
Short Term Debt = 107.7m USD (from shortTermDebt, last quarter)
Debt = 372.6m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 189.8m USD (from netDebt column, last quarter)
Enterprise Value = 2.26b USD (2.11b + Debt 372.6m - CCE 225.7m)
Interest Coverage Ratio = 1.11 (Ebit TTM 241.4m / Interest Expense TTM 217.0m)
EV/FCF = 7.01x (Enterprise Value 2.26b / FCF TTM 321.8m)
FCF Yield = 14.27% (FCF TTM 321.8m / Enterprise Value 2.26b)
FCF Margin = 39.27% (FCF TTM 321.8m / Revenue TTM 819.5m)
Net Margin = 23.84% (Net Income TTM 195.4m / Revenue TTM 819.5m)
Gross Margin = 79.04% ((Revenue TTM 819.5m - Cost of Revenue TTM 171.8m) / Revenue TTM)
Gross Margin QoQ = 76.14% (prev none%)
Tobins Q-Ratio = 0.14 (Enterprise Value 2.26b / Total Assets 16.35b)
Interest Expense / Debt = 14.10% (Interest Expense 52.5m / Debt 372.6m)
Taxrate = 16.10% (9.84m / 61.1m)
NOPAT = 202.5m (EBIT 241.4m * (1 - 16.10%))
Current Ratio = 0.02 (Total Current Assets 286.2m / Total Current Liabilities 14.14b)
Debt / Equity = 0.19 (Debt 372.6m / totalStockholderEquity, last quarter 1.95b)
Debt / EBITDA = 0.75 (Net Debt 189.8m / EBITDA 252.6m)
Debt / FCF = 0.59 (Net Debt 189.8m / FCF TTM 321.8m)
Total Stockholder Equity = 1.89b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.20% (Net Income 195.4m / Total Assets 16.35b)
RoE = 10.34% (Net Income TTM 195.4m / Total Stockholder Equity 1.89b)
RoCE = 11.68% (EBIT 241.4m / Capital Employed (Equity 1.89b + L.T.Debt 176.3m))
RoIC = 9.01% (NOPAT 202.5m / Invested Capital 2.25b)
WACC = 9.21% (E(2.11b)/V(2.48b) * Re(8.75%) + D(372.6m)/V(2.48b) * Rd(14.10%) * (1-Tc(0.16)))
Discount Rate = 8.75% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -33.33 | Cagr: -0.09%
[DCF Debug] Terminal Value 75.52% ; FCFF base≈292.5m ; Y1≈326.1m ; Y5≈429.0m
Fair Price DCF = 169.3 (EV 5.96b - Net Debt 189.8m = Equity 5.77b / Shares 34.1m; r=9.21% [WACC]; 5y FCF grow 13.27% → 2.90% )
EPS Correlation: -3.31 | EPS CAGR: 4.17% | SUE: 2.37 | # QB: 2
Revenue Correlation: 79.48 | Revenue CAGR: 12.07% | SUE: 2.15 | # QB: 1
EPS next Quarter (2026-03-31): EPS=1.36 | Chg30d=-0.030 | Revisions Net=-2 | Analysts=5
EPS current Year (2026-12-31): EPS=5.89 | Chg30d=-0.053 | Revisions Net=+0 | Growth EPS=+3.4% | Growth Revenue=+4.0%
EPS next Year (2027-12-31): EPS=6.34 | Chg30d=-0.029 | Revisions Net=-1 | Growth EPS=+7.5% | Growth Revenue=+5.4%
P/E Forward = 12.3916
P/S = 3.2556
P/B = 1.0827
P/EG = 2.18
Revenue TTM = 819.5m USD
EBIT TTM = 241.4m USD
EBITDA TTM = 252.6m USD
Long Term Debt = 176.3m USD (from longTermDebt, two quarters ago)
Short Term Debt = 107.7m USD (from shortTermDebt, last quarter)
Debt = 372.6m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 189.8m USD (from netDebt column, last quarter)
Enterprise Value = 2.26b USD (2.11b + Debt 372.6m - CCE 225.7m)
Interest Coverage Ratio = 1.11 (Ebit TTM 241.4m / Interest Expense TTM 217.0m)
EV/FCF = 7.01x (Enterprise Value 2.26b / FCF TTM 321.8m)
FCF Yield = 14.27% (FCF TTM 321.8m / Enterprise Value 2.26b)
FCF Margin = 39.27% (FCF TTM 321.8m / Revenue TTM 819.5m)
Net Margin = 23.84% (Net Income TTM 195.4m / Revenue TTM 819.5m)
Gross Margin = 79.04% ((Revenue TTM 819.5m - Cost of Revenue TTM 171.8m) / Revenue TTM)
Gross Margin QoQ = 76.14% (prev none%)
Tobins Q-Ratio = 0.14 (Enterprise Value 2.26b / Total Assets 16.35b)
Interest Expense / Debt = 14.10% (Interest Expense 52.5m / Debt 372.6m)
Taxrate = 16.10% (9.84m / 61.1m)
NOPAT = 202.5m (EBIT 241.4m * (1 - 16.10%))
Current Ratio = 0.02 (Total Current Assets 286.2m / Total Current Liabilities 14.14b)
Debt / Equity = 0.19 (Debt 372.6m / totalStockholderEquity, last quarter 1.95b)
Debt / EBITDA = 0.75 (Net Debt 189.8m / EBITDA 252.6m)
Debt / FCF = 0.59 (Net Debt 189.8m / FCF TTM 321.8m)
Total Stockholder Equity = 1.89b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.20% (Net Income 195.4m / Total Assets 16.35b)
RoE = 10.34% (Net Income TTM 195.4m / Total Stockholder Equity 1.89b)
RoCE = 11.68% (EBIT 241.4m / Capital Employed (Equity 1.89b + L.T.Debt 176.3m))
RoIC = 9.01% (NOPAT 202.5m / Invested Capital 2.25b)
WACC = 9.21% (E(2.11b)/V(2.48b) * Re(8.75%) + D(372.6m)/V(2.48b) * Rd(14.10%) * (1-Tc(0.16)))
Discount Rate = 8.75% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -33.33 | Cagr: -0.09%
[DCF Debug] Terminal Value 75.52% ; FCFF base≈292.5m ; Y1≈326.1m ; Y5≈429.0m
Fair Price DCF = 169.3 (EV 5.96b - Net Debt 189.8m = Equity 5.77b / Shares 34.1m; r=9.21% [WACC]; 5y FCF grow 13.27% → 2.90% )
EPS Correlation: -3.31 | EPS CAGR: 4.17% | SUE: 2.37 | # QB: 2
Revenue Correlation: 79.48 | Revenue CAGR: 12.07% | SUE: 2.15 | # QB: 1
EPS next Quarter (2026-03-31): EPS=1.36 | Chg30d=-0.030 | Revisions Net=-2 | Analysts=5
EPS current Year (2026-12-31): EPS=5.89 | Chg30d=-0.053 | Revisions Net=+0 | Growth EPS=+3.4% | Growth Revenue=+4.0%
EPS next Year (2027-12-31): EPS=6.34 | Chg30d=-0.029 | Revisions Net=-1 | Growth EPS=+7.5% | Growth Revenue=+5.4%