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Verdict
Quantitative factor alignment verified for current market regime.
Quant Score
Rank
#3131
Positioning
Market Dominance
Finance, Insurance, And Real Estate
Banking
$2.2B
Mark J. Grescovich
Banner Bank provides commercial banking and financial products and services to individuals, businesses, and public sector entities in the United States. As of December 31, 2021, Banner Bank 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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Dates updated upon official exchange announcement.
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X-AXIS: EV/EBITDA (LOWER = CHEAPER) | Y-AXIS: ROE (HIGHER = ELITE) | RED CIRCLE = BANR ANALYSIS TARGET
| Stock | Rating | Score▼ | Quality | Value | Momentum | P/E | EV/EBITDA | ROE | ROA | Gross Mgn | Op Mgn | Net Mgn | Rev Growth | Div Yield | D/E | Mkt Cap | AUDIT |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
$SII SPROTT INC. | 75 | 91 | 87 | 98 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$PUK PRUDENTIAL PLC | 73 | 88 | 97 | 80 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$NMR NOMURA HOLDINGS INC | 72 | 81 | 92 | 87 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$PSLV Sprott Physical Silver Trust | 69 | 82 | 80 | 98 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$UFCS UNITED FIRE GROUP INC | 68 | 81 | 93 | 76 | 5.0x | 3.5x | 13.2% | 4.1% | 99.9% | 14.7% | 11.1% | 9.2% | 2.1% | 16.0x | $775M | VS | |
$SLF SUN LIFE FINANCIAL INC | 68 | 83 | 95 | 63 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$CBOE Cboe Global Markets, Inc. | 68 | 75 | 63 | 77 | 21.3x | 15.7x | 24.0% | 13.7% | 41.7% | 32.4% | 26.4% | 8.2% | 1.1% | 30.0x | $25.7B | VS | |
$VTMX Vesta Real Estate Corporation, S.A.B. de C.V. | 67 | 69 | 77 | 80 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$PHYS Sprott Physical Gold Trust | 67 | 64 | 82 | 91 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$GLDM World Gold Trust | 66 | 54 | 85 | 92 | 11.3x | 11.3x | - | 20.9% | 100.0% | 97.1% | 554.8% | -19.0% | 0.0% | - | $32.0B | VS | |
$BANR BANNER CORP | 43 | 34 | 56 | 35 | 11.6x | 29.0x | 9.9% | 1.1% | 0.0% | 9.5% | 23.8% | 8.8% | 3.0% | 766.0x | $2.2B | ||
| SECTOR BENCH | - | - | - | - | - | 11.9x | 7.8x | 9.0% | 1.3% | 77.7% | 18.1% | 21.9% | 10.7% | 2.0% | 0.5x | - | REF |
BANNER CORP (BANR) receives a "Reduce" rating with a composite score of 42.9/100. It ranks #3131 out of 7,333 stocks in our coverage universe and carries a 2-star rating. Ratings are driven by a 6-factor quantitative model measuring quality, value, momentum, investment, stability, and short interest.
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Lagging peers — losers tend to keep underperforming
Fair valuation relative to peers
Weak fundamentals — higher risk of value trap
Average volatility — neutral timing signal
Aggressive spending — empire-building risk, dilutive growth
Mid-range overall rating
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Relative valuation derived from Finance, Insurance, And Real Estate sector benchmarks. Model weights: EV/EBITDA (40%), P/B (35%), P/S (25%). Re-calculated daily.
Projection based on user-defined inputs. Re-calculated daily against current market data.
Reverse DCF Framework — Mauboussin Methodology
Institutional-grade Reverse DCF analysis. This model identifies the growth hurdles embedded in current market prices. When implied growth is significantly lower than historical or projected rates, a margin of safety may exist. Re-audited daily.
No analyst ratings for BANR.
View All Ratings| Factor | Global | Sector | Tilt |
|---|---|---|---|
| PROFITABILITY | 34 | 61 | -27DRAG |
| MOMENTUM | 35 | 31 | +4NEUTRAL |
| VALUATION | 56 | 76 | -20DRAG |
| INVESTMENT | 29 | 35 | -6DRAG |
| STABILITY | 56 | 60 | -4NEUTRAL |
| SHORT INT | 63 | 77 | -14DRAG |
Global = full universe. Sector = relative to industry peers. Positive tilt indicates idiosyncratic strength.
ROIC 15.8% vs WACC 10.4% (spread +5.5%)
GM 0% vs sector 78%, OM 10% vs sector 18%
Capital turnover 1.99x
Rev growth 9%, 10yr history
Interest coverage 0.4x, Net debt/EBITDA 5.0x
Composite assessment of profitability, capital efficiency, and financial strength. Top-tier entities demonstrate sustainable cash flow generation and elite competitive moats.
Profit generated per dollar of shareholder equity
Efficiency of asset utilization
Pricing power and cost efficiency
Core business profitability
Bottom-line profitability
The Quality factor evaluates the persistence and magnitude of realized cash flows. Companies with scores >70 exhibit superior pricing power and structural financial resilience through diverse economic regimes.
Our uncertainty rating tracks the predictability of future cash flows and potential for permanent capital loss. Moderate visibility with standard industry cyclicality.
We rate BANNER CORP (BANR) as a Reduce with a composite score of 42.9/100 at a current price of $60.19. The quantitative profile shows weakness across multiple dimensions, suggesting limited upside potential.
BANNER CORP holds a top-quartile position (#0 of 50) within the Finance, Insurance, And Real Estate sector, based on our composite quantitative scoring across quality, value, momentum, and stability factors. The composite score of 42.9/100 places it at rank #3131 in our full universe.
No Moat
Medium
Poor
Fair Value
Stable competitive position in a defensive sector.
Leverage of 766% D/E amplifies downside risk.
Weak momentum suggests persistent institutional selling pressure.
Below-average quality raises earnings sustainability concerns.
BANNER CORP represents a reduce based on multi-factor quantitative performance.
BANNER CORP receives a Reduce rating from our analysis, with a composite score of 42.9/100 and 2 out of 5 stars, ranking #3131 out of 7,333 stocks. BANR's factor profile shows weakness across multiple dimensions, suggesting the stock may underperform going forward. Existing holders may want to consider trimming positions or tightening stop-losses.
BANR's quality score of 34/100 is below average, suggesting challenges with profitability or capital efficiency. The company reports a return on equity of 9.9% (sector avg: 9.0%), gross margins of 0.0% (sector avg: 77.7%), net margins of 23.8% (sector avg: 21.9%). Investors should examine whether management is actively addressing these weaknesses or if they reflect structural industry headwinds.
BANR's value score of 56/100 indicates the stock is fairly valued based on its current fundamentals. Key valuation metrics include a P/E ratio of 11.59x, an EV/EBITDA of 29.00x, a P/B ratio of 1.15x. At this level, neither a clear bargain nor overpriced, the stock's attractiveness depends more on forward growth expectations and qualitative factors.
BANNER CORP's investment score of 29/100 suggests limited reinvestment activity. Key growth metrics include revenue growth of 8.8% vs. a sector average of 10.7% and a return on assets of 1.1% (sector: 1.3%). While this can be positive for mature, cash-generative businesses returning capital to shareholders, it may also signal a lack of growth opportunities or management conservatism.
BANR is currently showing below-average momentum at 35/100, which may indicate weakening institutional interest or negative sentiment shifts. Revenue growth stands at 8.8% year-over-year, while a beta of 0.79 reflects its sensitivity to broader market moves. Investors should note that declining momentum can precede further price weakness, though contrarian opportunities sometimes emerge at these levels.
With a stability score of 56/100, BANR exhibits average financial resilience. Key stability metrics include a beta of 0.79 and a debt-to-equity ratio of 766.00x (sector avg: 0.5x). While the balance sheet is not a major concern, the stock is subject to typical market volatility and may experience sharper drawdowns during risk-off episodes.
BANR carries a short interest score of 63/100, indicating moderate short selling activity. This is a neutral reading — not enough to signal systemic bearishness, but worth monitoring. Specific risk factors include elevated leverage (D/E: 766.00x). At $2.2B market cap (mid-cap), BANNER CORP offers reasonable institutional liquidity.
BANR pays a solid dividend yield of 3.0%, contributing an income component to total returns. This compares to a sector average dividend yield of 2.0%. This moderate yield suggests a balance between returning capital to shareholders and retaining earnings for reinvestment — a common profile among quality compounders.
BANNER CORP is a mid-cap company in the Finance, Insurance, And Real Estate sector, ranked #0 of 50 in its sector (100th percentile) and #3131 of 7,333 overall (57th percentile). Key comparisons include ROE of 9.9% exceeding the 9.0% sector median and operating margins of 9.5% below the 18.1% sector average. This top-quartile standing reflects exceptional competitive strength relative to Finance, Insurance, And Real Estate peers.
While BANR currently exhibits a REDUCE profile, superior opportunities exist within the FINANCE, INSURANCE, AND REAL ESTATE sector. Our model identifies several "Strong Buy" candidates with higher quality scores and more attractive valuations among direct industry competitors.
View Top Finance, Insurance, And Real Estate Alpha →Quant Factor Profile
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Improvement in Investment (29) would have the largest impact on the composite score.
EV/EBITDA 273% ABOVE SECTOR MEDIAN
ROE 10% ABOVE SECTOR MEDIAN (FAVORABLE)
Gross Margin 100% BELOW SECTOR MEDIAN
Above 50MA
37.18%
Net New Highs
+51081
Over the last six months, Banner Bank’s shares have sunk to $60.43, producing a disappointing 9.9% loss - a stark contrast to the S&P 500’s 7.3% gain. This might have investors contemplating their next move.
Banks use their capital and expertise to help businesses grow while offering consumers essential financial products like mortgages and credit cards. Furthermore, economic conditions have supported loan growth and fee income, a trend that has enabled the banking industry to return 20.3% over the past six months. At the same time, the S&P 500 was up 6.6%.
As February 2026 begins, major U.S. stock indexes have surged, with the Dow Jones Industrial Average gaining 515 points and the S&P 500 nearing a record high, reflecting investor optimism amid recent economic developments. In this buoyant market environment, dividend stocks can offer a compelling opportunity for investors seeking steady income and potential growth, especially as companies continue to navigate evolving trade dynamics and economic policies.
Ratings for Banner (NASDAQ:BANR) were provided by 5 analysts in the past three months, showcasing a mix of bullish and bearish perspectives. The table below provides a snapshot of their recent ratings, showcasing how sentiments have evolved over the past 30 days and comparing them to the preceding months. Bullish Somewhat Bullish Indifferent Somewhat Bearish Bearish Total Ratings 0 3 2 0 0 Last 30D 0 2 1 0 0 1M Ago 0 0 0 0 0 2M Ago 0 0 0 0 0 3M Ago 0 1 1 0 0 Analysts have recently evaluated Banner and provided 12-month price targets. The average target is $51.2, accompanied by a high estimate of $54.00 and a low estimate of $47.00. A 2.66% drop is evident in the current average compared to the previous average price target of $52.60. Decoding Analyst Ratings: A Detailed Look An in-depth analysis of recent analyst actions unveils how financial experts perceive Banner. The following summary outlines key analysts, their recent evaluations, and adjustments to ratings and price targets. Analyst Analyst Firm Action Taken Rating Current Price Target Prior Price Target Andrew Liesch Piper Sandler Lowers Overweight $51.00 $54.00 Jeffrey Rulis DA Davidson Lowers Neutral $47.00 $50.00 Andrew Terrell Stephens & Co. Lowers Overweight $53.00 $54.00 Kelly Motta Keefe, Bruyette & Woods Lowers Market Perform $54.00 $58.00 David Feaster Raymond James Raises Outperform $51.00 $47.00 Key Insights: Action Taken: Analysts frequently update their recommendations based on evolving market conditions and company performance. Whether they 'Maintain', 'Raise' or 'Lower' their stance, it reflects their reaction to recent developments related ...Full story available on Benzinga.com