Banner Corporation Common Stock (BANR)

FairStock Score: 57/100 — STEADY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

I look at a regional bank first as a conservator of capital, then as a compounding machine. Banner Corporation is a $2.3 billion market-cap bank holding company for Banner Bank, with 1,888 employees and a simple deposit-and-loan model. Its moat is modest: local deposit relationships and a community-bank network, but the data does not show a durable cost or pricing advantage. The filed record shows net income of $183.6 million in fiscal year 2023, $168.9 million in fiscal year 2024, and $195.4 million in fiscal year 2025; diluted EPS was $5.33, $4.88, and $5.64 respectively. Recent quarters are steady rather than spectacular: $53.5 million in fiscal Q3 2025, the quarter ended 2025-09-30, $51.2 million in fiscal Q4 2025, the quarter ended 2025-12-31, $54.7 million in fiscal Q1 2026, the quarter ended 2026-03-31, and $48.9 million in fiscal Q2 2026, the quarter ended 2026-06-30. That is decent consistency, but the latest quarter slipped from the first quarter, so I would want to understand credit and funding trends. At the 2026-10-13 close of $66.60, FairStock's P/E is 10.99 and P/B is 1.13; ROE is 10.78% and dividend yield is 3.06%. A bank earning roughly 11% on equity and trading near book value is not obviously expensive, but nor is it the bargain bin. The FairStock Score is 57/100 and the Piotroski F-Score is 3/9, which suggests some financial-statement caution. The Lynch category is STALWART—steady growth, profit 11.0% a year over five years. Beta of 0.82 implies less market volatility than the average stock. The big missing pieces are bank-specific: CET1, net interest margin, credit costs, and reserve coverage are not in the data. Without them, I treat this as a fair-priced, modestly profitable bank, not a sure thing.

In plain English: Banner Corporation is the parent company of Banner Bank, which takes deposits and makes loans to people, businesses, and public groups in the United States. The bank has been solidly profitable, earning $195.4 million in fiscal 2025 and $48.9 million in the quarter ended June 30, 2026, though profits have moved up and down a bit. At $66.60 on October 13, 2026, the stock looks roughly fair rather than clearly cheap or expensive compared with its profits, asset value, and dividend.

The full AI analysis, bull and bear case and key monitorables are in FairStock Pro.

Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q4 2025 10-Q (period ended 2025-12-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer