Home 
Today's Top Picks 
Top Performers 
Watchlist 
My Robo Portfolios 
ETF Zone 
Help & Tutorial 
Cancel anytime
- Chart
- Upturn Summary
- Highlights
- Revenue
- Valuation
Upturn AI SWOT - About
BANR 
Banner Corporation (BANR)
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- Pass (Skip investing)
Stock price based on last close (see disclosures)
- ALL
- YEAR
- MONTH
- WEEK
Upturn Advisory Summary
09/17/2025: BANR (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
5 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $73.4
1 Year Target Price $73.4
| 2 | Strong Buy |
| 1 | Buy |
| 2 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 13.59% | Avg. Invested days 45 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 09/17/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 2.24B USD | Price to earnings Ratio 12.34 | 1Y Target Price 73.4 |
Price to earnings Ratio 12.34 | 1Y Target Price 73.4 | ||
Volume (30-day avg) 5 | Beta 0.94 | 52 Weeks Range 53.17 - 76.31 | Updated Date 09/16/2025 |
52 Weeks Range 53.17 - 76.31 | Updated Date 09/16/2025 | ||
Dividends yield (FY) 2.93% | Basic EPS (TTM) 5.25 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 29.19% | Operating Margin (TTM) 37.91% |
Management Effectiveness
Return on Assets (TTM) 1.13% | Return on Equity (TTM) 10.25% |
Valuation
Trailing PE 12.34 | Forward PE 12.39 | Enterprise Value 2564940800 | Price to Sales(TTM) 3.59 |
Enterprise Value 2564940800 | Price to Sales(TTM) 3.59 | ||
Enterprise Value to Revenue 4.67 | Enterprise Value to EBITDA - | Shares Outstanding 34584500 | Shares Floating 33814305 |
Shares Outstanding 34584500 | Shares Floating 33814305 | ||
Percent Insiders 1.73 | Percent Institutions 93.92 |
Upturn AI SWOT
Banner Corporation
Company Overview
History and Background
Banner Corporation was founded in 1890 as a mutual savings bank in Walla Walla, Washington. Initially focused on serving the local community, it expanded its operations throughout the Pacific Northwest through organic growth and strategic acquisitions, evolving into a publicly traded regional bank holding company.
Core Business Areas
- Commercial Banking: Provides a range of lending and deposit services to businesses, including commercial real estate loans, equipment financing, and working capital lines of credit.
- Retail Banking: Offers a variety of deposit accounts, residential mortgages, and consumer loans to individuals and families.
- Wealth Management: Provides investment management, financial planning, and trust services to individuals, families, and businesses.
Leadership and Structure
The leadership team includes Mark Grescovich (President & CEO), Lloyd Baker (EVP & CFO), and various other executive vice presidents overseeing key business areas. The organizational structure is hierarchical, with regional presidents and branch managers reporting to senior management.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Loans secured by commercial properties, providing funding for acquisition, development, or refinancing. Market share data is proprietary, but Banner Bank is a significant player in the Pacific Northwest. Competitors include U.S. Bank, KeyBank, and other regional banks.
- Residential Mortgages: Mortgage loans for the purchase or refinance of residential properties. Market share varies by region; specifics are not publicly available. Competitors include Wells Fargo, Chase, and local mortgage lenders.
- Deposit Accounts: Checking, savings, and money market accounts for individuals and businesses. No specific market share data is available for this specific product. Competitors include Chase, Bank of America and local credit unions.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges related to rising interest rates, increased competition from fintech companies, and regulatory scrutiny. Consolidation within the industry is ongoing.
Positioning
Banner Corporation is positioned as a strong regional bank with a focus on community banking and relationship-based lending. Its competitive advantages include its local market expertise and strong customer service. Its community focus provides a competitive advantage.
Total Addressable Market (TAM)
The total addressable market for banking services in the Pacific Northwest is estimated to be in the tens of billions of dollars. Banner Corporation is positioned to capture a share of this market through its branch network, online banking platform, and diverse product offerings.
Upturn SWOT Analysis
Strengths
- Strong regional presence in the Pacific Northwest
- Experienced management team
- Solid credit quality
- Diversified loan portfolio
- Relationship-based banking approach
Weaknesses
- Limited geographic diversification
- Susceptibility to interest rate risk
- Reliance on traditional banking channels
- Smaller scale compared to larger national banks
Opportunities
- Expansion into new markets within the Pacific Northwest
- Increased adoption of digital banking technologies
- Growth in wealth management services
- Strategic acquisitions to expand market share
Threats
- Increased competition from fintech companies
- Rising interest rates
- Economic downturn in the Pacific Northwest
- Regulatory changes
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- USB
- KEY
- WAFD
Competitive Landscape
Banner Corporation faces competition from larger national banks and other regional banks. Its advantages lie in its community focus and local market expertise, while its disadvantages include its smaller scale and limited geographic diversification.
Major Acquisitions
Sound Community Bancorp
- Year: 2017
- Acquisition Price (USD millions): 174.2
- Strategic Rationale: Expanded Banner's presence in the Seattle metropolitan area and strengthened its retail banking operations.
Growth Trajectory and Initiatives
Historical Growth: Replace this text with Actual Financial Numbers. Actual numbers may require 1-3 business days.
Future Projections: Replace this text with Actual Financial Numbers. Actual numbers may require 1-3 business days.
Recent Initiatives: Replace this text with Actual Financial Numbers. Actual numbers may require 1-3 business days.
Summary
Banner Corporation is a well-established regional bank with a strong presence in the Pacific Northwest. Its community focus and relationship-based banking approach are key strengths. However, it faces challenges related to competition, interest rate risk, and economic conditions. Future success depends on its ability to adapt to changing market dynamics and capitalize on growth opportunities.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings (10-K, 10-Q), Investor Relations, SEC Edgar database, Third-party financial data providers (e.g., Yahoo Finance, Bloomberg)
Disclaimers:
This analysis is for informational purposes only and should not be considered investment advice. Financial data is subject to change, and market conditions can impact future performance.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Banner Corporation
Exchange NASDAQ | Headquaters Walla Walla, WA, United States | ||
IPO Launch date 1995-08-24 | President, CEO & Director Mr. Mark J. Grescovich | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 1890 | Website https://www.bannerbank.com |
Full time employees 1890 | Website https://www.bannerbank.com | ||
Banner Corporation operates as the bank holding company for Banner Bank that engages in the provision of 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; one- to four-family residential real estate lending; construction, land, and land development loans; commercial business loans; agricultural lending; 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; and loan solicitation and processing services. In addition, it provides electronic and digital banking services comprising debit cards and ATM programs, internet banking, remote deposit, and mobile banking services. The company was founded in 1890 and is based in Walla Walla, Washington.
Note: This website is maintained by Upturn Corporation, which is an investment adviser registered with the U.S. Securities and Exchange Commission. Such registration does not imply a certain level of skill or training. Investing in securities has risks. Past performance is no guarantee of future returns. No assurance is provided as to any particular investment return, and you may lose money using our services. You are strongly advised to consult appropriate counsel before making any investments in companies you learn about through our services. You should obtain appropriate legal, tax, investment, accounting, and other advice that takes into account your investment portfolio and overall financial situation. You are solely responsible for conducting due diligence on a potential investment. We do not affect trades for you. You will select your own broker through which to transact. Investments are not FDIC insured, they are not guaranteed, and they may lose value. Please see the Privacy Policy, Terms of Use, and Disclosure for more information.