Banner Corporation

BANR

Banks - Regional · Financial Services

Price

$71.08

-1.35 (-1.86%)

Market Cap

$2.42B

Exchange

NASDAQ

Winston Score

Winston is curious

A decent business — some strong pillars, some weaker.

Share count falling — buybacks

−1.5% over 4y

The company has reduced its share count over this period, returning value to shareholders through buybacks.

Diluted shares outstanding: 34.9M (2021) → 34.4M (2025)

Banner Corporation operates as the bank holding company for Banner Bank that provide 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

Winston Score History

Politician Trades

2 trades / 12mo

0 Congressional buys and 2 sells on BANR in the last 12 months.

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Score breakdown

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Quality

Gross Margin

78.4%

Premium pricing power — 78.4% gross margin

Operating Margin

31.1%

Excellent — 31.1% operating margin

ROCE

3.1%

Weak — 3.1% return on capital

ROIC between 0% and 5%. They earn a few cents back per dollar invested in the business.

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Growth

Sales YoY

-2.1%

Shrinking sales (-2.1% YoY)

EPS YoY

+16.8%

Earnings growing fast (16.8% YoY)

Healthy double-digit earnings growth — what compounders look like.

EPS Consistency

8/8 quarters

Every recent quarter grew earnings vs last year

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Cash Flow

Cash Conversion

151%

Turns 151% of profit into real cash

FCF Margin

36.5%

Converts sales into free cash efficiently (36.5%)

Free cash flow margin above 20%. Out of every $100 in sales, more than $20 is real cash they keep.

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Stability

Debt / Equity

0.10

Conservative — low debt load (0.10)

Interest Cover

1.19x

Dangerous — barely covers interest (1.2x)

Interest coverage between 1 and 3. Profits cover interest, but with little room to spare.

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Valuation

P/E Ratio (TTM)

11.9x

Attractive valuation — P/E 11.9

P/E in the normal range. Price is roughly $15 for every $1 of yearly profit.

P/E vs Forward

+1.1

GROWING

Earnings expected to grow — slightly cheaper on forward P/E

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Dividends

Dividend Yield

3.02%

Moderate income — 3.02% yield

Standard yield zone for stable dividend payers. A meaningful piece of total return.

Dividend Growth

+4.2%

Dividend growing modestly (4.2% YoY)

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