BANR Banner Corporation - Fundamental Analysis
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BANR Stock | Fundamental Analysis & Investment Insights
NASDAQ
Financial Services
Banks - Regional
Current Price
Live
$61.46
Analyst Target
$72.83
+18.5%
Upside
52W High
$72.04
52W Low
$54.01
At a glance
Key valuation, profitability, growth, and risk metrics.
Updated Jan 24, 2026
Market cap
$2.1B
P/E
11.73
ROE
10.5%
Profit margin
30.2%
Debt/Equity
N/A
Dividend yield
2.96%
AI Analysis
Powered by advanced machine learning algorithms
Confidence Score
65%
Analysis Accuracy
Banner Corporation (BANR) exhibits a weak financial health profile with a Piotroski F-Score of just 2/9, signaling significant concerns in profitability, leverage, and operating efficiency. Despite this, the stock appears attractively valued with a P/E of 11.73 and a Forward P/E of 9.70, below sector averages, while trading well below its Graham Number of $82.03 and intrinsic value estimate of $123.93. The company has demonstrated strong recent earnings growth (YoY EPS +16.5%) and consistent analyst estimate beats, but weak technical trend (0/100) and lack of Altman Z-Score data limit confidence in near-term stability. Dividend sustainability is supported by a reasonable 34.4% payout ratio and 2.96% yield, though insider sentiment is lukewarm at 40/100.
Key Strengths
Attractive valuation metrics relative to sector: P/E of 11.73 vs sector avg of 21.04
Strong year-over-year earnings growth: +16.5% YoY EPS growth
Consistent earnings beat record: 3 out of last 4 quarters beat estimates, with strong historical surprises
Healthy dividend profile: 2.96% yield with sustainable 34.4% payout ratio
Profitability margins above sector average: 30.17% net margin vs 15.44% sector avg
Key Risks
Critically low Piotroski F-Score of 2/9 indicates weak financial health and operational deterioration
Missing Altman Z-Score prevents assessment of bankruptcy risk, a critical gap for financial firms
Bearish technical trend: Technical Trend score of 0/100 suggests strong downward price momentum
Lack of key financial data (Debt/Equity, Cash, ROIC, EV/EBITDA) limits comprehensive risk assessment
Recent price underperformance: -9.8% 1-year return despite strong earnings, indicating possible structural concerns
AI Fair Value Estimate
Based on comprehensive analysis
$82.03
+33.5% above current price
Performance Snowflake
Multi-dimensional analysis across 5 key categories
Overall
61
Strong
75
70
60
30
72
AI Verdict
Neutral with value appeal but significant health concerns
Key drivers: Low Piotroski score drags down health, Attractive valuation supports value score, Strong earnings growth lifts future outlook, Dividend sustainability adds stability, Bearish technicals weigh on overall sentiment
Confidence
67%
Value
75/100
Ref P/E, PEG, Graham Number
Positives
- P/E of 11.73 below sector average of 21.04
- Forward P/E of 9.70 suggests earnings expansion
- Price of $61.46 below Graham Number of $82.03
Watchpoints
- Price/Sales of 3.24 is high for a regional bank
- No PEG ratio to assess growth-adjusted value
Future
70/100
Ref Growth rates
Positives
- 11.10% YoY earnings growth
- 16.5% YoY EPS growth
- Q/Q EPS growth of 10.50%
- Consistent analyst estimate beats in recent quarters
Watchpoints
- Missing PEG ratio limits growth-valuation balance assessment
- Revenue growth of 4.90% is modest relative to earnings growth
Past
60/100
Ref Historical trends
Positives
- Long history of earnings beats: 20 out of 25 quarters beat estimates
- Strong average surprise of +6.13% over last 4 quarters
- 5-year price return of +44.9% shows long-term appreciation
Watchpoints
- 1-year return of -9.8% underperforms peers
- Technical trend score of 0/100 indicates deteriorating price momentum
Health
30/100
Ref Altman Z-Score, Piotroski F-Score
Positives
- ROE of 10.50% is positive and above sector average of -7.38%
- Operating margin of 38.86% is strong
Watchpoints
- Piotroski F-Score of 2/9 indicates severe financial weakness
- Missing Altman Z-Score, Debt/Equity, and liquidity ratios
- ROA of 1.20% is low for a bank
Dividend
72/100
Ref Yield, Payout
Positives
- Dividend yield of 2.96% is attractive in current rate environment
- Payout ratio of 34.4% is sustainable
- Dividend Strength score of 50/100 indicates moderate reliability
Watchpoints
- No 5-year average yield to assess consistency
- Ex-dividend date not available
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Current Price
$61.46
Analyst Target
$72.83
Upside/Downside
+18.5%
Multi-Horizon Performance vs Peers
Price momentum across 5Y → 1W horizons for BANR and closest competitors.
Updated 2026-01-23
| Company | 5Y | 3Y | 1Y | 6M | 1M | 1W |
|---|---|---|---|---|---|---|
|
BANR
Banner Corporation
Primary
|
+44.9% | +8.0% | -9.8% | -4.0% | -5.8% | -5.3% |
|
BUR
Burford Capital Limited
Peer
|
+18.9% | +8.0% | -30.4% | -29.2% | +8.3% | +0.3% |
|
AAMI
Acadian Asset Management Inc.
Peer
|
+169.4% | +146.4% | +115.3% | +38.3% | +14.0% | +1.4% |
|
AGM
Federal Agricultural Mortgage Corporation
Peer
|
+153.5% | +48.7% | -9.9% | -0.9% | -3.9% | -0.9% |
|
BBT
Beacon Financial Corporation
Peer
|
+69.6% | +8.7% | +3.5% | +12.2% | +4.5% | +2.8% |
Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.
Historical Performance Trends
Long-term financial metrics and growth patterns
Revenue & Net Income
Profit & Operating Margins
Return on Equity (ROE)
Quarterly Revenue Growth
Historical data shows last 12 quarters (3 years)
Valuation Metrics
Key valuation ratios and pricing indicators
P/E Ratio
11.73
Forward P/E
9.7
PEG Ratio
N/A
P/B Ratio
1.08
P/S Ratio
3.24
EV/Revenue
3.16
EV/EBITDA
N/A
Market Cap
$2.1B
Profitability
Profit margins and return metrics
Profit Margin
30.17%
Operating Margin
38.86%
Gross Margin
N/A
ROE
10.5%
ROA
1.2%
Growth
Revenue and earnings growth rates
Revenue Growth
+4.9%
Earnings Growth
+11.1%
Q/Q Revenue Growth
N/A
Q/Q Earnings Growth
+10.5%
Financial Health
Balance sheet strength and liquidity metrics
Debt/Equity
N/A
Current Ratio
N/A
Quick Ratio
N/A
Cash/Share
$12.39
Quarterly Earnings History
EPS performance vs analyst estimates
2026-04-15
$N/A
2026-01-21
$1.55
+6.8% surprise
2025-10-15
$1.52
+8.6% surprise
2025-07-16
$1.35
+3.0% surprise
Financial Services Sector Comparison
Comparing BANR against 208 companies in the Financial Services sector
(5 bullish, 111 neutral, 92 bearish)
P/E Ratio
11.73
This Stock
vs
30.37
Sector Avg
-61.4%
(Discount)
Return on Equity (ROE)
10.5%
This Stock
vs
-7.62%
Sector Avg
-237.8%
(Below Avg)
Profit Margin
30.17%
This Stock
vs
82.75%
Sector Avg
-63.5%
(Weaker)
Revenue Growth
4.9%
This Stock
vs
28.35%
Sector Avg
-82.7%
(Slower)
Similar Companies
Peer comparison within the same industry
| Company | AI Rating | Market Cap | P/E | ROE | Profit Margin | Price | |
|---|---|---|---|---|---|---|---|
|
BANR
Banner Corporation
|
NEUTRAL | $2.1B | 11.73 | 10.5% | 30.2% | $61.46 | |
|
BUR
Burford Capital Limited
|
BEARISH | $2.13B | 25.0 | 4.2% | 18.7% | $9.75 | |
|
AAMI
Acadian Asset Management Inc.
|
NEUTRAL | $1.98B | 23.49 | 205.6% | 15.7% | $55.19 | |
|
AGM
Federal Agricultural...
|
NEUTRAL | $1.87B | 10.02 | 13.7% | 57.2% | $171.22 | |
|
BBT
Beacon Financial Corporation
|
BEARISH | $2.38B | 134.57 | 0.5% | 2.6% | $28.26 |
Recent Insider Trading
Insider buy and sell transactions from the last 6 months
| Date | Insider | Position | Transaction | Shares | Value |
|---|---|---|---|---|---|
| 2025-11-03 | TRACEY MILLICENT C. | Director | Stock Award | 782 | $47,632 |
| 2025-11-03 | OXFORD DAN EVERETT | Officer | Stock Award | 1,846 | $112,440 |
| 2025-08-01 | COSTA JAMES M | Officer | Stock Award | 4,646 | $283,778 |
| 2025-08-01 | RIORDAN KEVIN F. | Director | Stock Award | 64 | $3,909 |
| 2025-08-01 | PEDERSEN JOHN CLARENCE | Director | Stock Award | 64 | $3,909 |
| 2025-08-01 | WALSH PAUL J. | Director | Stock Award | 64 | $3,909 |
| 2025-08-01 | COPELAND MARGOT JAMES | Director | Stock Award | 64 | $3,909 |
| 2025-08-01 | BOYER ELLEN R M | Director | Stock Award | 64 | $3,909 |
| 2025-08-01 | COLLINGSWORTH CONNIE R | Director | Stock Award | 64 | $3,909 |
| 2025-08-01 | HERENCIA ROBERTO R | Director | Stock Award | 64 | $3,909 |
| 2025-08-01 | KLAUE DAVID A | Director | Stock Award | 64 | $3,909 |
| 2025-08-01 | LAYMAN JOHN R | Director | Stock Award | 64 | $3,909 |
| 2025-08-01 | SCHWAKOPF TERRY | Director | Stock Award | 64 | $3,909 |
Insider transactions can signal confidence or concerns about company prospects
Wall Street Analysts
Professional analyst ratings and price targets
Consensus
BUY
6 analysts
DA Davidson
2025-10-17
Neutral
Neutral
Raymond James
2025-10-17
Outperform
Outperform
Keefe, Bruyette & Woods
2025-10-17
Market Perform
Market Perform
Past News Coverage
Recent headlines mentioning BANR from our newsroom.
Newest → oldest
No matching news yet.