📊 BANR Key Takeaways
Is Banner Corp. (BANR) a Good Investment?
Banner Corp demonstrates solid operational fundamentals with strong profitability metrics (33.2% net margin, 10% ROE) and robust cash generation (42.2% FCF margin). Revenue growth of 8.5% YoY combined with 15.7% net income growth shows improving operational leverage in a banking environment.
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.
Why Buy Banner Corp. Stock? BANR Key Strengths
- Exceptional net profit margin of 33.2% indicates strong cost control and pricing power
- High-quality earnings with 42.2% FCF margin demonstrating substantial free cash flow generation
- Net income growth of 15.7% outpacing revenue growth of 8.5% reflects operational efficiency gains
- Strong stockholders equity of $1.9B against total assets of $16.4B provides stable capital base
- Significant operating cash flow of $257.5M supports sustainability of current performance
- 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
- Very low interest coverage ratio of 0.7x indicates minimal buffer for adverse conditions despite zero long-term debt
- Modest ROA of 1.2% is relatively low for banking sector, suggesting asset utilization challenges
- Asset-heavy balance sheet with $14.4B liabilities leaves limited financial flexibility
- 13 Form 4 filings in 90 days warrant monitoring for insider activity patterns and potential concerns
- Operating margin of 12.4% is relatively constrained given the high net margin, indicating significant non-operating gains
- 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
- Net interest margin and lending yield trends
- Asset quality metrics and loan loss provisions
- Capital adequacy ratios and regulatory compliance
- Deposit growth and funding stability
- Return on assets trajectory and efficiency ratio improvement
- 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 42.2% 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. appears fundamentally strong 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 Rating of BUY from Claude (BUY) and ChatGPT (BUY) with 73% combined confidence, based on fundamental analysis of SEC EDGAR filings.
What are BANR's key strengths?
Claude: Exceptional net profit margin of 33.2% indicates strong cost control and pricing power. High-quality earnings with 42.2% FCF margin demonstrating substantial free cash flow generation. 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: Very low interest coverage ratio of 0.7x indicates minimal buffer for adverse conditions despite zero long-term debt. Modest ROA of 1.2% is relatively low for banking sector, suggesting asset utilization challenges. 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 $587.9M.
Does BANR pay dividends?
Banner Corp. pays dividends, with $67.5M 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 $5.64.
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 rating reflects both perspectives for balanced insights.
Is BANR a good stock to buy right now?
Based on our AI fundamental analysis in April 2026, Banner Corp. has a BUY rating with 73% 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 10.0% (sector avg: 12%), net margin of 33.2% (sector avg: 25%). Compare these metrics with sector averages to assess valuation.
Should I buy BANR stock in 2026?
Our dual AI analysis gives Banner Corp. a combined BUY rating 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 $257.5M, with capital expenditures of $9.5M. FCF margin is 42.2%.
How does BANR compare to other Finance stocks?
Vs Finance sector averages: Net margin 33.2% (avg: 25%), ROE 10.0% (avg: 12%), current ratio N/A (avg: 1.2).