Banner Corporation (BANR) AI Stock Analysis

Banner Corporation serves as the holding company for Banner Bank, providing commercial banking and financial services across the United States. Established in 1890 and headquartered in Walla Walla, Washington, the company delivers banking solutions to individuals, businesses, and public sector entities. Its offerings include interest-bearing and non-interest-bearing checking accounts, money market deposit accounts, savings accounts, certificates of deposit, treasury management, and retirement savings plans. Lending activities span commercial real estate, multifamily residential, construction and land development, one- to four-family residential real estate, commercial business, agricultural, and consumer loans such as home equity lines of credit and automobile loans, alongside electronic and digital banking services.

Banner Corporation grew revenue at a 5-year CAGR of 5.2% from FY2020 through FY2025. Annual revenue reached $827.3M in FY2024 before decreasing 0.9% to $819.5M in FY2025. Net income stood at $195.4M in FY2025, up from $168.9M in FY2024, with net margin improving to 23.8% from 20.4%. Operating margin for FY2025 was 29.5%, compared to 25.3% in FY2024. For the trailing twelve months ended June 30, 2026, revenue was $671.6M, operating margin was 37.7%, and profit margin reached 31.0%. In the latest quarter ended June 30, 2026, quarterly revenue increased 6.9% year-over-year while quarterly earnings expanded 9.2%.

As of June 30, 2026, Banner Corporation held $215.5M in cash and short-term investments against total debt of $546.3M, yielding net debt of $330.7M. Total assets stood at $16.59B, shareholders' equity was $2.00B, the current ratio was 2.45, and the debt-to-equity ratio was 0.27. In FY2025, operating cash flow was $257.5M and free cash flow was $247.9M. Capital allocation in FY2025 included $9.5M for capital expenditures, $35.0M for share buybacks, and $67.5M for dividends paid, with share count decreasing 1.1% over five years.

Banner Corporation carries a market capitalization of $2.48B and an enterprise value of $2.42B. The stock trades at a trailing price-to-earnings multiple of 11.2x, below the 12.1x median of its US-listed Financial Services peers, and a forward price-to-earnings ratio of 12.4x versus the peer median of 10.8x. Its price-to-sales ratio is 3.7x compared to the peer median of 3.2x, while price-to-book stands at 1.3x and PEG is 1.83. Over the past year, BANR gained 11.7%, trailing the S&P 500 (SPY) return of 16.8%, and its 5-year return of 38.7% compares to 83.0% for the index.

Banner Corporation pays an annual forward dividend of $2.04 per share, representing a 3.02% dividend yield based on its last close of $67.57. Dividends are paid quarterly with a payout ratio of 33.4%. The company has maintained consecutive dividend payments for 32 years and has achieved a 5-year annualized dividend growth rate of 3.4%, with the most recent ex-dividend date on August 4, 2026.

Wall Street coverage includes 2 Strong Buy, 1 Buy, and 4 Hold ratings, with no Sell or Strong Sell recommendations. The mean price target is $75.83, representing a 12.2% premium to the last closing price of $67.57. For the fiscal year ending December 31, 2026, consensus estimates project EPS of $6.20 on revenue of $725.5M. For the following fiscal year, 6 analysts anticipate EPS of $6.74 and revenue of $799.3M. The company beat EPS estimates in 3 of the last 4 quarters, with next earnings scheduled for October 21, 2026.

This page is an AI-written research summary of Banner Corporation (BANR). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

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