Home 
Today's Top Picks 
Top Performers 
Watchlist 
My Robo Portfolios 
ETF Zone 
Help & Tutorial - 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
- 1Y
- 1M
- 1W
Upturn Advisory Summary
11/05/2025: BANR (1-star) is currently NOT-A-BUY. Pass it for now.
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 $72.4
1 Year Target Price $72.4
| 2 | Strong Buy |
| 1 | Buy |
| 2 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 10.34% | Avg. Invested days 46 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 11/05/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 2.06B USD | Price to earnings Ratio 11.1 | 1Y Target Price 72.4 |
Price to earnings Ratio 11.1 | 1Y Target Price 72.4 | ||
Volume (30-day avg) 5 | Beta 0.93 | 52 Weeks Range 52.73 - 75.69 | Updated Date 11/4/2025 |
52 Weeks Range 52.73 - 75.69 | Updated Date 11/4/2025 | ||
Dividends yield (FY) 3.18% | Basic EPS (TTM) 5.41 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-10-15 | When After Market | Estimate 1.4 | Actual 1.52 |
Profitability
Profit Margin 29.77% | Operating Margin (TTM) 41.32% |
Management Effectiveness
Return on Assets (TTM) 1.16% | Return on Equity (TTM) 10.28% |
Valuation
Trailing PE 11.1 | Forward PE 12.39 | Enterprise Value 1723897856 | Price to Sales(TTM) 3.22 |
Enterprise Value 1723897856 | Price to Sales(TTM) 3.22 | ||
Enterprise Value to Revenue 4.58 | Enterprise Value to EBITDA - | Shares Outstanding 34335297 | Shares Floating 33565156 |
Shares Outstanding 34335297 | Shares Floating 33565156 | ||
Percent Insiders 1.76 | Percent Institutions 94.36 |
Upturn AI SWOT
Banner Corporation
Company Overview
History and Background
Banner Corporation, headquartered in Walla Walla, Washington, was founded in 1890. Initially named Walla Walla Farmers Agency, it evolved into Banner Bank, focusing on community banking across the Pacific Northwest. Through organic growth and strategic acquisitions, it has expanded its footprint and diversified its service offerings.
Core Business Areas
- Commercial Banking: Provides a range of commercial lending products, including term loans, lines of credit, and real estate financing, to businesses of various sizes. Also offers treasury management services.
- Retail Banking: Offers deposit accounts, mortgages, consumer loans, and other retail banking services to individuals and families.
- Wealth Management: Provides investment management, financial planning, and trust services to individuals and institutions.
Leadership and Structure
The leadership team is headed by Mark Grescovich as CEO. The organizational structure consists of various departments responsible for lending, retail operations, finance, and risk management, reporting to the executive management team and board of directors.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Commercial real estate loans form a significant portion of Banner Bank's loan portfolio. Market share data is regionally focused within the Pacific Northwest and not easily quantifiable across the entire US market. Competitors include larger national banks and regional players like Umpqua Bank and Columbia Banking System.
- Residential Mortgages: Banner Bank offers various mortgage products. Market share data is regionally focused within the Pacific Northwest and not easily quantifiable across the entire US market. Competitors include national mortgage lenders like Rocket Mortgage and local credit unions.
- Small Business Loans (SBA): Banner Bank participates in SBA lending programs. Market share data is regionally focused within the Pacific Northwest and not easily quantifiable across the entire US market. Competitors include other regional banks and online lenders like Funding Circle.
Market Dynamics
Industry Overview
The banking industry is currently navigating a complex environment of rising interest rates, increased regulatory scrutiny, and evolving customer expectations. Digital transformation and cybersecurity are key areas of focus.
Positioning
Banner Corporation positions itself as a community-focused bank with a strong emphasis on customer service and relationship banking. Its competitive advantages include local market expertise and a diversified product portfolio.
Total Addressable Market (TAM)
The total addressable market for banking services in the Pacific Northwest is estimated to be in the billions of dollars. Banner Corporation is well-positioned to capture a significant share of this market through its branch network and online banking platform.
Upturn SWOT Analysis
Strengths
- Strong regional presence in the Pacific Northwest
- Diversified loan portfolio
- Experienced management team
- Solid capital position
- Focus on customer service
Weaknesses
- Geographic concentration limits growth opportunities
- Smaller scale compared to national banks
- Dependence on interest rate spreads
- Higher operational expenses due to the larger branch number in smaller regions
Opportunities
- Expansion into new markets within the Pacific Northwest
- Increased adoption of digital banking services
- Acquisitions of smaller community banks
- Growth in wealth management business
- Leveraging technology to improve efficiency
Threats
- Rising interest rates impacting loan demand
- Increased competition from online lenders
- Economic downturn affecting loan quality
- Regulatory changes increasing compliance costs
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- Umpqua Holdings Corporation (UMPQ)
- Columbia Banking System Inc (COLB)
- First Interstate BancSystem Inc (FIBK)
Competitive Landscape
Banner Corporation competes with national and regional banks, as well as credit unions and online lenders. Its advantages include a strong regional presence, customer service focus, and a diversified product portfolio. Disadvantages include smaller scale and geographic concentration.
Major Acquisitions
Sound Community Bancorp
- Year: 2017
- Acquisition Price (USD millions): 206
- Strategic Rationale: Expanded Banner Corporation's presence in the Seattle metropolitan area and added valuable branch locations and customer relationships.
Growth Trajectory and Initiatives
Historical Growth: Banner Corporation has achieved consistent growth through a combination of organic expansion and strategic acquisitions.
Future Projections: Analysts project continued growth in revenue and earnings, driven by expansion into new markets and increased adoption of digital banking services.
Recent Initiatives: Recent strategic initiatives include investing in technology to enhance online banking capabilities and expanding its presence in key markets through branch openings and targeted marketing campaigns.
Summary
Banner Corporation is a stable regional bank with a solid track record, driven by its established presence in the Pacific Northwest. Its strength lies in its customer-centric approach and a diversified portfolio. However, it needs to strategically tackle the challenges from larger national banks. Managing interest rate risks, adopting technological advancements, and strategically entering new markets will be key.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company Filings (10-K, 10-Q)
- Earnings Call Transcripts
- Investor Presentations
- Analyst Reports
- Market Data Providers
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Market conditions and company performance are subject to change.
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 1889 | Website https://www.bannerbank.com |
Full time employees 1889 | 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.