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/BANR
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Banner Corp

Banner Corp

BANR
$71.30USD↑+0.68%+0.48 today

MARKET CAP

2.6B

P/E (TTM)

12.6x

FWD P/E

—

DAY RANGE

$70 – $71

52W RANGE

$57
$75

AI Summary

Stalk
TrimMedium

BANR’s break below multi-touch support in late August signals medium-term bearish pressure, but price now trades at the confluence of its 9/20-day EMAs and prior support-turned-resistance with neutral momentum. With no clear short-term rejection and the long-term uptrend intact, we will trim into rallies into the EMA/resistance zone rather than execute immediately.

  • ↑Q2 net profit $48.9M (EPS $1.43), up from $1.31 YoY.
  • ↑Acquisition of Pacific Financial boosts assets to ~$18B, expanding scale.
  • ↓Profit margin compression undermines operational efficiency and returns.
Full analysis →

The case for & against

Bull & Bear analysis

Bearish

Banner Corporation (NASDAQ: BANR) is a regional bank focused on providing comprehensive financial services, including retail and commercial banking, primarily across the Pacific Northwest and California. The bank employs a community-centric approach, emphasizing strong client relationships and strategic growth through a super community bank model. This operational focus suggests abilities to adapt within fluctuating economic conditions and to maintain competitive advantages against larger institutions.

Bull says

  • ↑Q2 net profit $48.9M (EPS $1.43), up from $1.31 YoY.
  • ↑Acquisition of Pacific Financial boosts assets to ~$18B, expanding scale.
  • ↑Dividend raised to $0.52/share (2.9% yield), maintaining shareholder returns.
  • ↑Loan originations +45% QoQ; commercial lending up 85%, robust pipeline.
  • ↑Strong earnings yield and quality factors support current valuation.
  • ↑87% institutional ownership underscores confidence from major stakeholders.

Bear says

  • ↓Profit margin compression undermines operational efficiency and returns.
  • ↓Weak loan demand and negative revision trends signal headwinds.
  • ↓Intense commercial lending competition squeezes yields and pricing power.
  • ↓Inflation and rate uncertainty risk loan payoffs, slowing origination.
  • ↓High short interest reflects growing market skepticism.
  • ↓Fintech and large banks threaten disruption to local banking moat.

Investment themes with BANR

High Dividend Yield↓ -0.51%

Companies paying above-average dividends

AVGO · JPM · XOM
Regional Banks↓ -1.16%

FLG · TCBI · ZION

Earnings Call · Q2 2025 · Mgmt. Guidance

Updated 08-14-2026neutral

Transcript signals

Bull points

  • I expect we'll see a little bit of a pullback in Q3. But, you know, we had a 5% annualized year-over-year in Q1. We had a 5% annualized year-over-year in Q2. And that's roughly what we're projecting for the year of 2025.
  • If normal seasonality returns, we would expect that we would see deposit growth happen in the third quarter. And deposit growth could very well outpace loan growth in the third quarter if historical kind of trends come in line. And so, I mean, usually during the third quarter, that's when we see our ag clients their crops come in, cash comes in from that. So historically, we've always seen increases in deposits during the third quarter.
  • If that third quarter seasonal increase comes in deposits, then we'd have lower reliance on FHLB advances, which would reduce the funding costs.

Bear points

  • the ultra-competitive department or environment that we experienced really a year ago is not quite what we're seeing right now.
  • The agricultural sector has experienced more downgrades due to the pressure on commodities prices and input costs. So we are seeing some continued pain in the ag sector.
  • The one cent increase in earnings per share was primarily due to an increase in net interest income, partially offset by the current quarter, including costs associated with consolidating back office space, as well as a higher provision for credit losses due to growth in the loan balances.
Read full transcript analysis ›