Banner Corporation (BANR)
NEUTRALFundamental
71
Price
$70.80
Market Cap
$2.42B
Part 1 · What the company is worth
Overview
Banner Corporation operates as the bank holding company for Banner Bank that engages in the provision of 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; one- to four-family residential real estate lending; construction, land, and land development loans; commercial business loans; agricultural mortgage and business loans; 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; and loan solicitation and processing services. In addition, it provides electronic and digital banking services comprising debit cards and ATM programs, internet banking, remote deposit capture, and mobile banking services. The company was founded in 1890 and is based in Walla Walla, Washington.
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Direct competitors
Who this company fights with for the same customers
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Balance Sheet & Liquidity
Revenue
$632M
Fiscal year ended 12/31/2025
Net Income
$195M
Fiscal year ended 12/31/2025
Free Cash Flow
$248M
Total Equity
$1.95B
Total Liabilities
$14.41B
Current Ratio
-
Interest Coverage
0.12
Debt/EBITDA
-
Earnings Per Share
Revenue & Net Income
Free Cash Flow
Income Breakdown
Historical statement
Margins over time
Debt over time
How heavy the debt is
Growth grid
Growth — Revenue
Fair Value Estimation
Fair Value
$68.18
Current Price
$70.80
Margin of Safety
-3.8%
Fair Value Range
$55.33 - $81.03
Estimation Methods
Valuation Metrics
P/E Ratio
12.64
ROE
10.0%
P/B Ratio
1.20
P/FCF
8.44
Gross Margin
-
ROIC
-
Profitability Radar
Value Creation (Economic Moat)
ROIC
-
WACC
10.2%
ROIC − WACC
-
Fundamental Analysis Criteria
Passed (15)
- EPS shows upward trend
- P/FCF 8.44
- P/B Ratio 1.20
- Positive Free Cash Flow
- CapEx intensity
- Low reliance on intangibles
- Price below Graham Number
- ROE 10.7%
- Revenue Growth 5Y 6.8%
- Analyst Consensus 62% Buy
- Earnings Surprise avg 5.2%
- PEG Ratio 1.04
- Earnings Quality (OCF/NI) 1.41
- Share Dilution 0.1%
- Piotroski F-Score 6/9
Failed (5)
- Price CAGR 2.46%
- Debt/Equity ratio
- Interest Coverage
- Return on Tangible Assets
- DCF valuation (Fairly valued)
Unavailable (7)
- ROIC NaN%
- Gross Margin NaN%
- Dividend Payout NaN%
- Operating Margin NaN%
- Current Ratio
- Debt/EBITDA
- Net Margin Trend (invalid data)
Piotroski F-Score
Mixed signals: some areas need attention
Earnings Quality
High quality: earnings backed by cash
Share Dilution
Share count is stable
Governance
Executive Team
| Name | Title | Age |
|---|---|---|
| Mr. Mark J. Grescovich | President, CEO & Director | 61 |
| Mr. Robert G. Butterfield | Executive VP, CFO & Treasurer | 56 |
| Ms. Cynthia D. Purcell | Executive VP and Chief Strategy & Administration Officer of Banner Bank | 68 |
| Mr. James M. Costa | Executive VP & COO of Banner Bank | 56 |
| Mr. Mark Charles Borrecco | EVP & Chief Banking Officer | 53 |
| Ms. Janet M. Brown | Executive VP & Chief Information Officer | 57 |
| Mr. Rich Arnold | Head of Investor Relations | - |
| Ms. Sherrey L. Luetjen | Executive VP, General Counsel, Ethics Officer & Secretary | 53 |
| Ms. Kayleen R. Kohler | Executive Vice President of Human Resources | 52 |
| Ms. Jill M. Rice | Executive VP & Chief Credit Officer | 59 |
Audit Risk
2
Board Risk
2
Compensation Risk
1
Shareholder Rights Risk
4
Part 2 · The price and when to enter
This part won't tell you whether the company is worth owning: it helps you choose when to buy it, once the fundamentals have convinced you. Inside: technical analysis, potential, historical drawdowns, gamma exposure.
Latest News
Recent headlines for BANR, sourced from Markets Gazette.