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Upturn AI SWOT - About
BANR 
Banner Corporation (BANR)
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Stock price based on last close (see disclosures)
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Upturn Advisory Summary
08/14/2025: 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 $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 17.37% | Avg. Invested days 51 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 08/14/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 2.27B USD | Price to earnings Ratio 12.48 | 1Y Target Price 73.4 |
Price to earnings Ratio 12.48 | 1Y Target Price 73.4 | ||
Volume (30-day avg) 5 | Beta 0.92 | 52 Weeks Range 52.19 - 76.31 | Updated Date 08/14/2025 |
52 Weeks Range 52.19 - 76.31 | Updated Date 08/14/2025 | ||
Dividends yield (FY) 2.90% | Basic EPS (TTM) 5.25 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-07-16 | When After Market | Estimate 1.31 | Actual 1.35 |
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 12.48 | Forward PE 12.39 | Enterprise Value 2610592512 | Price to Sales(TTM) 3.63 |
Enterprise Value 2610592512 | Price to Sales(TTM) 3.63 | ||
Enterprise Value to Revenue 4.7 | Enterprise Value to EBITDA - | Shares Outstanding 34584500 | Shares Floating 33812922 |
Shares Outstanding 34584500 | Shares Floating 33812922 | ||
Percent Insiders 1.73 | Percent Institutions 93.01 |
Upturn AI SWOT
Banner Corporation
Company Overview
History and Background
Banner Corporation was founded in 1890 and is headquartered in Walla Walla, Washington. It operates as the holding company for Banner Bank, providing commercial banking services in the Western United States. Over the years, it has expanded through organic growth and strategic acquisitions.
Core Business Areas
- Commercial Banking: Offers a range of commercial banking products and services, including commercial loans, deposit accounts, and cash management services to businesses and organizations.
- Retail Banking: Provides retail banking services to individuals, including personal loans, checking and savings accounts, and mortgage lending.
- Wealth Management: Offers wealth management and financial planning services through its divisions. Includes trust services.
Leadership and Structure
Mark J. Grescovich serves as the President and CEO. Banner Corporation operates with a traditional hierarchical structure, with various departments reporting to senior management.
Top Products and Market Share
Key Offerings
- Commercial Loans: Commercial loans, including term loans, lines of credit, and real estate loans, are significant contributors to revenue. Market share data for specific loan types is difficult to obtain precisely for Banner relative to the entire market. Competitors include larger national and regional banks like US Bank and KeyBank.
- Mortgage Lending: Mortgage lending provides revenue through origination fees and servicing income. Competitors include Rocket Mortgage, Guild Mortgage and many other local and national mortgage companies. Market share fluctuates depending on interest rates and economic conditions, data not available.
- Deposit Accounts: Checking, savings, and money market accounts provide a stable source of funding. Attracts customers through convenience and competitive rates. Competitors include large national banks, credit unions, and online banks. No specific revenue available.
Market Dynamics
Industry Overview
The banking industry is highly competitive and heavily regulated, subject to interest rate fluctuations, economic conditions, and regulatory changes. The sector is undergoing digital transformation and consolidation.
Positioning
Banner Corporation operates as a regional bank focused on providing personalized service and building long-term relationships with customers. It leverages its strong local presence and expertise in commercial lending as competitive advantages.
Total Addressable Market (TAM)
The U.S. banking market is vast, estimated to be worth trillions of dollars. Banner Corporation's regional focus allows it to capture a portion of this market, though national banks dominate market share.
Upturn SWOT Analysis
Strengths
- Strong regional presence
- Experienced management team
- Solid credit quality
- Diversified loan portfolio
- Customer loyalty
Weaknesses
- Limited geographic footprint compared to larger banks
- Susceptibility to economic downturns in the Western U.S.
- Reliance on traditional banking services
- Higher efficiency ratio compared to competitors
Opportunities
- Expansion into new markets through acquisitions or organic growth
- Increased adoption of digital banking technologies
- Growing demand for commercial lending in the Western U.S.
- Cross-selling opportunities with wealth management services
Threats
- Increased competition from larger banks and fintech companies
- Rising interest rates
- Regulatory changes
- Economic recession
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- USB
- KEY
- WAFD
Competitive Landscape
Banner Corporation faces intense competition from larger national and regional banks, as well as emerging fintech companies. Its competitive advantage lies in its personalized service, local market knowledge, and strong customer relationships.
Major Acquisitions
Foundation Bank
- Year: 2016
- Acquisition Price (USD millions): 146
- Strategic Rationale: Expanded presence in the Puget Sound region of Washington state.
Growth Trajectory and Initiatives
Historical Growth: Banner Corporation has grown through organic expansion and strategic acquisitions over time.
Future Projections: Analyst estimates for future growth are subject to change and can be found on financial websites.
Recent Initiatives: Recent strategic initiatives may include investments in digital banking, expansion into new markets, and cost-saving measures.
Summary
Banner Corporation is a regional bank with a strong presence in the Western United States. They benefit from customer loyalty and a diversified loan portfolio. However, they face challenges due to their limited geographic footprint and competition from larger banks and fintech companies. Future success depends on adapting to digital banking trends and managing economic uncertainties.
Peer Comparison
Sources and Disclaimers
Data Sources:
- SEC Filings
- Company Website
- Yahoo Finance
- Analyst Reports (Note: Specific reports not cited)
Disclaimers:
This analysis is based on publicly available information and is for informational purposes only. It does not constitute financial advice. Market share data is approximate and may vary based on source and methodology.
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.
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