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Earnings transcript
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BANR
Banner Corporation
$61.6
0.2
(0.33%)
| Exchange: | NASDAQ |
| Market Cap: | 2.1B |
| Shares Outstanding: | 1.607M |
About The Company
| Sector: | Financial Services | |||||
| Industry: | Banks – Regional | |||||
| CEO: | Mark J. Grescovich | |||||
| Full Time Employees: | 1910 | |||||
| Address: |
| |||||
| Website: | https://www.bannerbank.com |
Banner Corporation operates as the bank holding company for Banner Bank that provide commercial banking and financial products and services to individuals, businesses, and public sector entities in the United States. It accepts various deposit instruments, including interest-bearing and non-interest-bearing checking accounts, money market deposit accounts, regular savings accounts, and certificates of deposit, as well as treasury management services and retirement savings plans. The company also provides commercial real estate loans, including owner-occupied, investment properties, and multifamily residential real estate loans; construction, land, and land development loans; residential mortgage loans; commercial business loans; agricultural loans; and consumer and other loans, such as home equity lines of credit, automobile, and boat and recreational vehicle loans, as well as loans secured by deposit accounts. In addition, it engages in the mortgage banking operations through the origination and sale of one-to four-family and multi-family residential loans, as well as small business administration loans. Further, the company provides electronic and digital banking services. As of December 31, 2021, it operated 150 branch offices and 18 loan production offices located in Washington, Oregon, California, Idaho, and Utah. Banner Corporation was founded in 1890 and is headquartered in Walla Walla, Washington.
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Revenue Segmentation
EPS
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Earnings Call
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Key takeaways
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Login — it's freeIncome Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Revenue | 741,691 | 827,330 | 819,487 |
| Gross Profit | 605,335 | 595,362 | 647,706 |
| EBITDA | 248,716 | 230,187 | 252,555 |
| Operating Income | 227,087 | 209,485 | 241,355 |
| Net Income | 183,624 | 168,898 | 195,382 |
(* All numbers are in thousands)
Balance Sheet
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Total Assets | 15,670,391 | 16,200,037 | 16,354,488 |
| Total Liabilities | 14,017,700 | 14,425,711 | 14,408,191 |
| Total Stockholders Equity | 1,652,691 | 1,774,326 | 1,946,297 |
| Total Debt | 713,800 | 606,484 | 372,621 |
| Cash and Cash Equivalents | 254,464 | 501,858 | 182,772 |
(* All numbers are in thousands)
Cash Flow Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Operating Cash Flow | 257,199 | 293,187 | 145,684 |
| Capital Expenditure | -14,651 | -13,747 | 0 |
| Free Cash Flow | 242,548 | 279,440 | 145,684 |
| Net Income | 183,624 | 168,898 | 195,382 |
| Net Change in Cash | 11,402 | 247,394 | -6,708 |
(* All numbers are in thousands)
Analyst Estimates
| Fiscal Year | 2027 | Full Access | Full Access | Full Access | Full Access |
|---|---|---|---|---|---|
| Estimated Revenue (Low) | 705,872.076 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (High) | 758,011.420 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (Avg) | 740,145.200 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Low) | 248,399.048 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (High) | 266,747.080 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Avg) | 260,459.889 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Low) | 207,428.731 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (High) | 230,283.948 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Avg) | 215,427.170 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Low) | 266,872.709 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (High) | 286,585.301 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Avg) | 279,830.527 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Avg) | 6.280 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (High) | 6.690 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Low) | 6.030 | Full Access | Full Access | Full Access | Full Access |
| Number of Analysts (Estimated Revenue) | 4 | Full Access | Full Access | Full Access | Full Access |
| Number of Analysts (Estimated EPS) | 5 | Full Access | Full Access | Full Access | Full Access |
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Current Key Metrics
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Login — it's freeForward P/E Ratios
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Login — it's freeSWOT Analysis
Strengths (preview)
- Solid Financial Performance: Banner Corporation reported a net profit of $45.5 million in Q2 2025, reflecting strong profitability as highlighted in the latest earnings call. Key metrics such as revenue and net income show consistent performance, supported by a robust operating cash flow as per the cash flow statements.
- Strong Balance Sheet Focus: The company emphasized maintaining a strong balance sheet in the Q2 2025 earnings call, with healthy liquidity indicators like current ratio (TTM) and a manageable debt-to-equity ratio (TTM) from key metrics, positioning BANR well for financial stability.
- Positive Earnings Growth: Earnings per share (EPS) and net income trends from income statements indicate sustained growth, aligning with the company’s strategic focus on organic expansion as discussed in the earnings call transcript.
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At what price to buy it? -
Intrinsic Value Calculator
Based on current fundamentals and analyst forecasts, MARKETSnap estimates BANR intrinsic value between $82.90 – $118.74 per share. This depends on revenue growth, margins, and discount rate.
This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.
Common questions about BANR valuation
Is Banner Corporation (BANR) overvalued or undervalued right now?
MARKETSnap estimates intrinsic value for Banner Corporation (BANR) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.
Is BANR a buy, hold, or sell for long-term investors?
MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether BANR trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.
What is BANR’s P/E ratio?
You can see BANR’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.
How is intrinsic value calculated for BANR?
MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.
Is BANR a good long-term investment?
Whether BANR fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.
BANR
1-day price chart preview. Log in for 1W through 5Y ranges and period tabs.
0.33
Trading Metrics:
| Open: | 60.52 | Previous Close: | 61.4 | |
| Day Low: | 60.12 | Day High: | 61.6 | |
| Year Low: | 54.01 | Year High: | 69.83 | |
| Price Avg 50: | 61.41 | Price Avg 200: | 63.64 | |
| Volume: | 167378 | Average Volume: | 320393 |
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Login — it's freeBANR full analysis
Welcome to MARKETSNAP’s SWOT analysis for Banner Corporation, also known by its ticker BANR. If you’re a long-term investor looking to build wealth, you’re in the right place. Today, we’re diving deep into this regional banking player to uncover what makes it tick, what’s holding it back, and whether it’s got the potential to be a solid addition to your portfolio. Let’s break it down with a conversational yet sharp look at Banner Corporation, blending recent performance, financial health, and…
