Start here if you're new
what it is
Banner is a regional bank that takes deposits and makes loans across four Western states.
how it gets paid
Last year Banner made n/a in revenue.
what just happened
Banner's latest quarter showed EPS of $4.15, well above the prior-year level in the data provided.
At a glance
B++ balance sheet — above average — nothing keeping you up at night
75/100 earnings predictability — reasonably predictable
10.5x trailing p/e — the market's not buying it — or you found a deal
3.4% dividend yield — cash in your pocket every quarter
$5.64 fy2025 eps est
xvary composite: 61/100 — average
What they do
Banner is a regional bank that takes deposits and makes loans across four Western states.
This is a relationship bank, not an app with a checking account. Banner had 135 branches and 15 loan production offices as of December 31, 2025, plus $13.74 billion in deposits on $16.35 billion in assets. Switching costs (moving your accounts and borrowing relationships) → leaving is a hassle → your customers tend to stay put.
How they make money
n/a
annual revenue
The products that matter
earns spread on loans
Net interest income
$169.9M · 89% of mix
it's $169.9M of the latest quarter's income mix, or roughly 89% of the total shown above. this is where the bank actually gets paid.
core profit engine
fees and sale income
Non-interest income
$20.7M · +16.8%
this piece grew 16.8% and reached $20.7M. it's smaller, but it's the part that helps when margin pressure makes plain-vanilla lending less fun.
diversifier
funding base
Core deposits
$15B+ assets · margin lever
with over $15B in assets and a 3.4% dividend yield to protect, deposit pricing is the lever that can help you or hurt you fastest. cheaper funding means wider spreads.
watch deposit costs
Key numbers
10.5x
trailing p/e
P/E (price-to-earnings ratio) → how expensive the stock is versus profit → you are paying a below-market multiple for a bank expected to earn $5.64 a share in 2025.
$79M
long-term debt
Long-term debt → money owed far into the future → Banner carries just $79 million, or 4% of capital, which leaves less balance-sheet strain than a heavily borrowed bank.
3.4%
dividend yield
Dividend yield → cash paid to you each year for owning the stock → you get a 3.4% payout while historical dividend growth has run 4.5%.
$16.35B
total assets
Assets → the size of the bank's balance sheet → Banner is large enough to matter in its markets but still small enough that local execution drives results.
Financial health
B++
strength
- balance sheet grade B++ — above average financial health
- risk rank 3 — safer than 50% of stocks
- price stability 65 / 100
- long-term debt $79M (4% of capital)
B++ — functional but not a standout on the balance sheet.
Total return vs. market
Return history isn't available for BANR right now.
source: institutional data · return history unavailable
What just happened
beat estimates
Banner's latest quarter showed EPS of $4.15, well above the prior-year level in the data provided.
Quarterly EPS also improved sequentially inside 2024, moving from $1.09 in Q1 to $1.34 in Q4. The hard part is separating true operating strength from noisy source data, so you should anchor on the full-year trend of $5.33 in 2023 versus $4.88 in 2024 and a 2025 estimate of $5.64.
$600M
revenue
$4.15
eps
gross margin
the number that mattered
The number that matters is the 2025 EPS estimate of $5.64, because at a $59.45 stock price that sets up the current 10.5x valuation.
source: company earnings report, 2026
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What could go wrong
the #1 risk is deposit-cost pressure squeezing Banner's net interest margin.
high
deposit costs rise faster than loan yields
BANR's latest quarter produced $169.9M of net interest income. that's the engine. if deposit pricing gets more competitive while loan yields lag, the spread narrows and the engine loses torque.
with roughly 89% of the latest income mix tied to spread income, margin pressure hits the part of the business doing almost all the work.
med
commercial real estate credit quality
regional banks do not need a catastrophe to have a bad year. they need a few loan books to age badly at the same time. the snapshot does not give exact CRE concentration, so this risk stays directional here rather than over-precise.
if credit costs move up, the 10.5x earnings multiple stops looking cheap and starts looking like the market saw it first.
med
regulatory and compliance drag
more oversight, more cyber spend, more compliance staff. none of that makes a loan. all of it raises the cost base for a bank with only $20.7M of non-interest income to help offset the pain.
when fee income is this small, expense creep has fewer places to hide.
$169.9M of net interest income versus $20.7M of non-interest income tells you everything about the combined risk picture. this is a bank where the spread is not one issue among many — it is the issue.
source: institutional data · regulatory filings · risk analysis
Pay attention to
earnings
Q1 2026 earnings report
expected april 22, 2026. you want the margin commentary more than the headline EPS number.
metric
net interest income run rate
$169.9M is the current quarterly marker. if that line weakens, the 10.5x multiple is telling you why.
street view
target drift around $71.67
the average analyst target sits at $71.67 versus a $59.45 stock price. watch whether targets stabilize or keep inching down toward the price.
risk
credit quality in business lending
you do not need a blowup to hurt this stock. a steady rise in criticized loans or provisions would be enough to change the mood fast.
Analyst rankings
earnings predictability
75 / 100
this score says results have been relatively steady. in human-speak, analysts think BANR is more dependable than dramatic.
source: institutional data
Institutional activity
institutional ownership data for BANR is being compiled.
source: institutional data
Price targets
3-5 year target range
n/a
n/a
$59
current price
n/a
target midpoint · n/a from current
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