📊 BANR Key Takeaways
Is Banner Corp. (BANR) a Good Investment?
Banner Corp demonstrates strong operational fundamentals with 8.5% revenue growth, 15.6% EPS growth, excellent 27.7% net margins, and exceptional free cash flow generation (55.3% FCF margin) coupled with a pristine balance sheet. However, extremely depressed returns metrics—ROE of 2.8% and ROA of 0.3%—both significantly below banking sector averages (8-12% ROE, 0.8-1.2% ROA)—suggest material capital inefficiency, likely from recent recapitalization or M&A activity that has inflated the equity base relative to current earnings capacity.
Banner Corp shows solid fundamental quality for a regional bank, with mid-single to high-single-digit revenue growth translating into stronger net income and EPS growth, while maintaining healthy bank-level profitability with 1.2% ROA and 10.0% ROE. Free cash flow generation is strong relative to revenue, and the balance sheet appears well-capitalized by the reported equity base, though margin durability and funding sensitivity remain important watch items.
Banner Corp. Key Strengths (BANR)
- Strong revenue growth of 8.5% YoY demonstrates market demand and business expansion
- Robust EPS growth of 15.6% YoY shows improving bottom-line profitability trajectory
- Exceptional free cash flow generation of $109.4M with 55.3% FCF margin provides substantial capital deployment flexibility
- Clean balance sheet with zero long-term debt and solid $439.2M cash position provides financial flexibility
- Industry-leading net profit margin of 27.7% indicates strong operational efficiency
- Net income and diluted EPS are both growing faster than revenue, indicating good operating leverage and earnings quality
- Profitability is healthy for a bank, with 33.2% net margin, 1.2% ROA, and 10.0% ROE
- Operating cash flow and free cash flow are strong, with modest capital spending needs supporting financial flexibility
BANR Stock Risks: Banner Corp. Investment Risks
- Critically low ROE of 2.8% is 70% below sector norms, indicating severe capital underutilization or diminished shareholder value generation
- ROA of 0.3% is 65% below banking sector averages, suggesting asset quality concerns or operational inefficiencies requiring investigation
- Interest coverage ratio of 0.2x is dangerously low and unexplained; indicates limited cushion for unexpected earnings deterioration
- Likely equity dilution from recent capital raise or M&A without clear visibility into when capital base will be productively deployed
- Sustainability of 8.5% revenue growth and 15.6% EPS growth unclear given structural return metric headwinds
- Operating margin of 12.4% suggests earnings could be sensitive to higher funding costs or credit normalization
- Interest coverage of 0.7x points to potential pressure in core spread economics, even if this metric is imperfect for banks
- Balance-sheet leverage metrics such as debt/equity are less informative here, so asset quality, deposit stability, and capital adequacy need close monitoring
Key Metrics to Watch
- Return on Equity (ROE) trajectory—must improve toward 8%+ to justify capital base and reflect value creation
- Return on Assets (ROA) trend—target minimum 0.8% to align with healthy bank performance standards
- Capital deployment strategy—loan growth, acquisitions, or shareholder returns to justify enlarged equity base
- Loan loss provisions and credit quality metrics as proxy for sustainable earnings quality
- Deposit growth and NIM (Net Interest Margin) trends to validate revenue sustainability
- Net interest margin and deposit cost trends
- Credit quality metrics including nonperforming assets and provision expense
Banner Corp. (BANR) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The 55.3% free cash flow margin provides substantial flexibility for dividends, buybacks, and strategic investments. The current ratio below 1.0x warrants monitoring of short-term liquidity.
BANR Profit Margin, ROE & Profitability Analysis
BANR vs Finance Sector: How Banner Corp. Compares
How Banner Corp. compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is Banner Corp. Stock Overvalued? BANR Valuation Analysis 2026
Based on fundamental analysis, Banner Corp. has mixed fundamental signals relative to the Finance sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
Banner Corp. Balance Sheet: BANR Debt, Cash & Liquidity
BANR Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: Banner Corp.'s revenue has remained relatively flat over the 5-year period, with a 0% decline. The most recent EPS of $5.33 reflects profitable operations.
BANR Revenue Growth, EPS Growth & YoY Performance
BANR Quarterly Earnings & Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q3 2022 | $10.5M | $26.6M | $1.43 |
| Q2 2022 | $9.8M | $44.0M | $1.39 |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
Banner Corp. Dividends, Buybacks & Capital Allocation
BANR SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for Banner Corp. (CIK: 0000946673)
📋 Recent SEC Filings
❓ Frequently Asked Questions about BANR
What is the AI rating for BANR?
Banner Corp. (BANR) has a Combined AI Grade of A from Claude (B) and ChatGPT (A) with 71% combined confidence, based on fundamental analysis of SEC EDGAR filings.
What are BANR's key strengths?
Claude: Strong revenue growth of 8.5% YoY demonstrates market demand and business expansion. Robust EPS growth of 15.6% YoY shows improving bottom-line profitability trajectory. ChatGPT: Net income and diluted EPS are both growing faster than revenue, indicating good operating leverage and earnings quality. Profitability is healthy for a bank, with 33.2% net margin, 1.2% ROA, and 10.0% ROE.
What are the risks of investing in BANR?
Claude: Critically low ROE of 2.8% is 70% below sector norms, indicating severe capital underutilization or diminished shareholder value generation. ROA of 0.3% is 65% below banking sector averages, suggesting asset quality concerns or operational inefficiencies requiring investigation. ChatGPT: Operating margin of 12.4% suggests earnings could be sensitive to higher funding costs or credit normalization. Interest coverage of 0.7x points to potential pressure in core spread economics, even if this metric is imperfect for banks.
What is BANR's revenue and growth?
Banner Corp. reported revenue of $197.8M.
Does BANR pay dividends?
Banner Corp. pays dividends, with $17.3M distributed to shareholders in the trailing twelve months.
Where can I find BANR SEC filings?
Official SEC filings for Banner Corp. (CIK: 0000946673) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is BANR's EPS?
Banner Corp. has a diluted EPS of $1.60.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined grade reflects both perspectives for balanced insights.
What is BANR's fundamental grade?
Based on our AI fundamental analysis in June 2026, Banner Corp. has a A grade with 71% confidence. The AI analysis suggests favorable fundamentals based on SEC filings. This is not investment advice.
Is BANR stock overvalued or undervalued?
Valuation metrics for BANR: ROE of 2.8% (sector avg: 12%), net margin of 27.7% (sector avg: 25%). Compare these metrics with sector averages to assess valuation.
What is BANR's AI grade for 2026?
Our dual AI analysis gives Banner Corp. a combined A grade for 2026. Revenue is data pending, with profitability above sector average. Always conduct your own research.
What is BANR's free cash flow?
Banner Corp.'s operating cash flow is $109.8M, with capital expenditures of $420.0K. FCF margin is 55.3%.
How does BANR compare to other Finance stocks?
Vs Finance sector averages: Net margin 27.7% (avg: 25%), ROE 2.8% (avg: 12%), current ratio N/A (avg: 1.2).