Banner (BANR)
Market Price (4/23/2026): $63.54 | Market Cap: $2.2 BilSector: Financials | Industry: Regional Banks
Banner (BANR)
Market Price (4/23/2026): $63.54Market Cap: $2.2 BilSector: FinancialsIndustry: Regional Banks
Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.
Attractive yieldTotal YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 12%, Dividend Yield is 3.1%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 8.1%, FCF Yield is 11% Attractive cash flow generationCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 39%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 38% Low stock price volatilityVol 12M is 25% Uninsured deposits are lowUninsured Deposits Ratio %Fraction of deposits that exceed the insurance deposit thresholds. For example, the FDIC protects deposits up to $250K. A high uninsured deposits ratio indicates large accounts and greater potential exposure to bank run risk. is 28% Megatrend and thematic driversMegatrends include Fintech & Digital Payments. Themes include Digital Payments, Online Banking & Lending, and Wealth Management Technology. | Weak multi-year price returns3Y Excs Rtn is -38% Moderate capital ratioTier 1 Capital / Risk Wtd Assets RatioTier 1 Capital / Risk-Weighted Assets is a common measure of financial strength for a bank. It reflects how much equity there is relative to assets where assets are weighted based on riskiness. Low ratios indicate the bank is highly vulnerable to even small changes in the value of their risk assets. is 12% | Key risksBANR key risks include [1] disappointing long-term revenue growth and credit risks from its concentration in commercial real estate loans, Show more. |
| Attractive yieldTotal YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 12%, Dividend Yield is 3.1%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 8.1%, FCF Yield is 11% |
| Attractive cash flow generationCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 39%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 38% |
| Low stock price volatilityVol 12M is 25% |
| Uninsured deposits are lowUninsured Deposits Ratio %Fraction of deposits that exceed the insurance deposit thresholds. For example, the FDIC protects deposits up to $250K. A high uninsured deposits ratio indicates large accounts and greater potential exposure to bank run risk. is 28% |
| Megatrend and thematic driversMegatrends include Fintech & Digital Payments. Themes include Digital Payments, Online Banking & Lending, and Wealth Management Technology. |
| Weak multi-year price returns3Y Excs Rtn is -38% |
| Moderate capital ratioTier 1 Capital / Risk Wtd Assets RatioTier 1 Capital / Risk-Weighted Assets is a common measure of financial strength for a bank. It reflects how much equity there is relative to assets where assets are weighted based on riskiness. Low ratios indicate the bank is highly vulnerable to even small changes in the value of their risk assets. is 12% |
| Key risksBANR key risks include [1] disappointing long-term revenue growth and credit risks from its concentration in commercial real estate loans, Show more. |
Qualitative Assessment
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Banner (BANR) stock has remained largely at the same level since 12/31/2025 because of the following key factors:
1. Mixed Quarterly Earnings and Cautious Outlook Offset Stronger Performance Metrics.
Banner (BANR) exhibited a mixed financial performance and outlook since December 31, 2025, contributing to its stable stock movement. The company reported a Q4 2025 diluted EPS of $1.49, beating analyst estimates by 2.62%, but revenue of $152.45 million missed expectations by 2.57%. For Q1 2026, Banner again surpassed EPS estimates with $1.59 per share, beating by $0.20, and revenue of $169.33 million also exceeded expectations by $11.56 million. Despite these earnings beats and an 8.5% increase in net interest income for the full year 2025, the company noted limited loan growth in Q4 2025 due to increased payoffs and reduced commercial line utilization. Analysts have a divided view, with an average target price implying a 10.43% upside, while GuruFocus estimated a 1.75% downside from the current price, leading to a neutral overall sentiment.
2. Robust Balance Sheet and Shareholder Return Initiatives Provided Stability.
Banner's consistent demonstration of financial strength and active capital management supported its stock at current levels. The company maintained a strong core deposit base, accounting for 89% of total deposits as of December 31, 2025, and March 31, 2026. Non-performing assets remained modest at approximately 0.31-0.32% of total assets during this period, indicating solid asset quality. Furthermore, Banner increased its regular quarterly cash dividend by 4% to $0.52 per share in Q1 2026 and repurchased 250,000 shares at an average price of $64.56 during the same quarter, signaling confidence in its financial position and commitment to shareholder returns.
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1. Mixed Quarterly Earnings and Cautious Outlook Offset Stronger Performance Metrics.
Banner (BANR) exhibited a mixed financial performance and outlook since December 31, 2025, contributing to its stable stock movement. The company reported a Q4 2025 diluted EPS of $1.49, beating analyst estimates by 2.62%, but revenue of $152.45 million missed expectations by 2.57%. For Q1 2026, Banner again surpassed EPS estimates with $1.59 per share, beating by $0.20, and revenue of $169.33 million also exceeded expectations by $11.56 million. Despite these earnings beats and an 8.5% increase in net interest income for the full year 2025, the company noted limited loan growth in Q4 2025 due to increased payoffs and reduced commercial line utilization. Analysts have a divided view, with an average target price implying a 10.43% upside, while GuruFocus estimated a 1.75% downside from the current price, leading to a neutral overall sentiment.
2. Robust Balance Sheet and Shareholder Return Initiatives Provided Stability.
Banner's consistent demonstration of financial strength and active capital management supported its stock at current levels. The company maintained a strong core deposit base, accounting for 89% of total deposits as of December 31, 2025, and March 31, 2026. Non-performing assets remained modest at approximately 0.31-0.32% of total assets during this period, indicating solid asset quality. Furthermore, Banner increased its regular quarterly cash dividend by 4% to $0.52 per share in Q1 2026 and repurchased 250,000 shares at an average price of $64.56 during the same quarter, signaling confidence in its financial position and commitment to shareholder returns.
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Stock Movement Drivers
Fundamental Drivers
The 2.3% change in BANR stock from 12/31/2025 to 4/22/2026 was primarily driven by a 1.5% change in the company's Net Income Margin (%).| (LTM values as of) | 12312025 | 4222026 | Change |
|---|---|---|---|
| Stock Price ($) | 62.16 | 63.59 | 2.3% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 647 | 654 | 1.0% |
| Net Income Margin (%) | 29.4% | 29.9% | 1.5% |
| P/E Multiple | 11.3 | 11.1 | -1.1% |
| Shares Outstanding (Mil) | 34 | 34 | 0.8% |
| Cumulative Contribution | 2.3% |
Market Drivers
12/31/2025 to 4/22/2026| Return | Correlation | |
|---|---|---|
| BANR | 2.3% | |
| Market (SPY) | -5.4% | 28.9% |
| Sector (XLF) | -4.7% | 60.6% |
Fundamental Drivers
The -1.3% change in BANR stock from 9/30/2025 to 4/22/2026 was primarily driven by a -9.1% change in the company's P/E Multiple.| (LTM values as of) | 9302025 | 4222026 | Change |
|---|---|---|---|
| Stock Price ($) | 64.45 | 63.59 | -1.3% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 631 | 654 | 3.7% |
| Net Income Margin (%) | 28.9% | 29.9% | 3.4% |
| P/E Multiple | 12.3 | 11.1 | -9.1% |
| Shares Outstanding (Mil) | 35 | 34 | 1.2% |
| Cumulative Contribution | -1.3% |
Market Drivers
9/30/2025 to 4/22/2026| Return | Correlation | |
|---|---|---|
| BANR | -1.3% | |
| Market (SPY) | -2.9% | 28.9% |
| Sector (XLF) | -2.7% | 55.6% |
Fundamental Drivers
The 2.9% change in BANR stock from 3/31/2025 to 4/22/2026 was primarily driven by a 8.5% change in the company's Total Revenues ($ Mil).| (LTM values as of) | 3312025 | 4222026 | Change |
|---|---|---|---|
| Stock Price ($) | 61.78 | 63.59 | 2.9% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 603 | 654 | 8.5% |
| Net Income Margin (%) | 28.0% | 29.9% | 6.6% |
| P/E Multiple | 12.6 | 11.1 | -11.8% |
| Shares Outstanding (Mil) | 35 | 34 | 0.8% |
| Cumulative Contribution | 2.9% |
Market Drivers
3/31/2025 to 4/22/2026| Return | Correlation | |
|---|---|---|
| BANR | 2.9% | |
| Market (SPY) | 16.3% | 51.5% |
| Sector (XLF) | 5.9% | 63.3% |
Fundamental Drivers
The 30.3% change in BANR stock from 3/31/2023 to 4/22/2026 was primarily driven by a 30.2% change in the company's P/E Multiple.| (LTM values as of) | 3312023 | 4222026 | Change |
|---|---|---|---|
| Stock Price ($) | 48.81 | 63.59 | 30.3% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 624 | 654 | 4.9% |
| Net Income Margin (%) | 31.3% | 29.9% | -4.6% |
| P/E Multiple | 8.6 | 11.1 | 30.2% |
| Shares Outstanding (Mil) | 34 | 34 | 0.0% |
| Cumulative Contribution | 30.3% |
Market Drivers
3/31/2023 to 4/22/2026| Return | Correlation | |
|---|---|---|
| BANR | 30.3% | |
| Market (SPY) | 63.3% | 45.8% |
| Sector (XLF) | 69.6% | 63.3% |
Price Returns Compared
| 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | Total [1] | |
|---|---|---|---|---|---|---|---|
| Returns | |||||||
| BANR Return | 34% | 7% | -12% | 29% | -3% | 3% | 63% |
| Peers Return | 19% | -23% | 22% | 11% | 28% | 1% | 61% |
| S&P 500 Return | 27% | -19% | 24% | 23% | 16% | 3% | 88% |
Monthly Win Rates [3] | |||||||
| BANR Win Rate | 58% | 33% | 42% | 58% | 42% | 50% | |
| Peers Win Rate | 44% | 48% | 58% | 52% | 62% | 57% | |
| S&P 500 Win Rate | 75% | 42% | 67% | 75% | 67% | 50% | |
Max Drawdowns [4] | |||||||
| BANR Max Drawdown | -5% | -12% | -35% | -19% | -15% | -7% | |
| Peers Max Drawdown | -6% | -30% | -26% | -14% | -12% | -13% | |
| S&P 500 Max Drawdown | -1% | -25% | -1% | -2% | -15% | -7% | |
[1] Cumulative total returns since the beginning of 2021
[2] Peers: NEWT, ATLO, AGBK, NU, MTB.
[3] Win Rate = % of calendar months in which monthly returns were positive
[4] Max drawdown represents maximum peak-to-trough decline within a year
[5] 2026 data is for the year up to 4/22/2026 (YTD)
How Low Can It Go
| Event | BANR | S&P 500 |
|---|---|---|
| 2022 Inflation Shock | ||
| % Loss | -46.8% | -25.4% |
| % Gain to Breakeven | 88.1% | 34.1% |
| Time to Breakeven | 379 days | 464 days |
| 2020 Covid Pandemic | ||
| % Loss | -50.5% | -33.9% |
| % Gain to Breakeven | 102.1% | 51.3% |
| Time to Breakeven | 347 days | 148 days |
| 2018 Correction | ||
| % Loss | -24.6% | -19.8% |
| % Gain to Breakeven | 32.6% | 24.7% |
| Time to Breakeven | 1,236 days | 120 days |
| 2008 Global Financial Crisis | ||
| % Loss | -96.0% | -56.8% |
| % Gain to Breakeven | 2375.8% | 131.3% |
| Time to Breakeven | Not Fully Recovered days | 1,480 days |
Compare to NEWT, ATLO, AGBK, NU, MTB
In The Past
Banner's stock fell -46.8% during the 2022 Inflation Shock from a high on 10/31/2022. A -46.8% loss requires a 88.1% gain to breakeven.
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About Banner (BANR)
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 provides commercial real estate loans, including owner-occupied, investment properties, and multifamily residential real estate loans; construction, land, and land development loans; residential mortgage loans; commercial business loans; agricultural loans; and 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. In addition, it engages in the mortgage banking operations through the origination and sale of one-to four-family and multi-family residential loans, as well as small business administration loans. Further, the company provides electronic and digital banking services. As of December 31, 2021, it 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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A regional version of a full-service bank like Wells Fargo, operating across Washington, Oregon, California, Idaho, and Utah.
Think of it as a smaller U.S. Bank, providing traditional banking and mortgage services to individuals and businesses in several Western states.
It's a comprehensive regional bank, akin to a local-focused Bank of America for communities in Washington, Oregon, California, Idaho, and Utah.
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- Deposit Accounts: Provides various checking, savings, money market, and certificate of deposit accounts for individuals and businesses.
- Commercial Real Estate Loans: Offers financing for owner-occupied, investment, multifamily residential properties, and construction and land development.
- Residential Mortgage Loans: Originates and sells loans for one-to four-family and multi-family residential properties.
- Commercial Business Loans: Provides loans to businesses for their operational, growth, and investment needs.
- Consumer Loans: Offers personal loans such as home equity lines of credit, auto, and recreational vehicle loans.
- Treasury Management Services: Delivers services to help businesses manage their cash flow, payments, and liquidity.
- Retirement Savings Plans: Offers plans designed to help individuals save for their retirement.
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Banner Corporation, through its subsidiary Banner Bank, serves a diverse customer base. Its major customer categories include:
- Individuals: The bank provides a wide range of financial products and services to individual consumers. This includes various deposit instruments (interest-bearing and non-interest-bearing checking accounts, money market deposit accounts, regular savings accounts, and certificates of deposit), as well as residential mortgage loans, home equity lines of credit, and other consumer loans (such as automobile, boat, and recreational vehicle loans).
- Businesses: Banner Bank offers comprehensive commercial banking services to businesses. These services encompass commercial real estate loans (including owner-occupied, investment properties, and multifamily residential real estate loans), construction, land, and land development loans, commercial business loans, agricultural loans, treasury management services, retirement savings plans, and small business administration loans.
- Public Sector Entities: The company also provides financial products and services tailored to public sector entities. These typically involve deposit services, treasury management solutions, and various lending options designed for governmental or public organizations.
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Mark J. Grescovich - President and Chief Executive Officer
Mr. Grescovich joined Banner as President in April 2010 and became Chief Executive Officer in August 2010. Before his time at Banner, he served as Executive Vice President and Chief Corporate Banking Officer for FirstMerit Corporation and FirstMerit Bank N.A. from 2007 to 2010, after holding various commercial and corporate banking positions, including Chief Credit Officer, since 1994. Earlier in his career, he was a Managing Partner in corporate finance with Sequoia Financial Group, Inc., and a commercial and corporate lending officer and credit analyst with Society National Bank of Cleveland, Ohio.
Robert G. Butterfield - Executive Vice President, Chief Financial Officer, and Treasurer
Mr. Butterfield was promoted to Executive Vice President and CFO of Banner Bank and Banner Corporation in 2023. He initially joined Banner in 2015 as Senior Vice President and Chief Accounting Officer. Prior to Banner, he held positions as Senior Vice President, Controller, and Principal Accounting Officer at Sterling Savings Bank, and subsequently as Controller at Umpqua Bank following an acquisition. A Certified Public Accountant, Mr. Butterfield began his career as an auditor with BDO USA, LLP and possesses over 25 years of financial expertise, with more than 20 years in the financial services industry.
Sherrey Luetjen - Executive Vice President, General Counsel, Ethics Officer and Secretary
Ms. Luetjen was promoted to her current position in 2021. Before this role, she served as Senior Vice President and Assistant General Counsel at Banner. She brings over 15 years of in-house legal counsel experience from financial services companies, in addition to her experience advising technology companies.
Mark Borrecco - Executive Vice President, Chief Banking Officer
Mr. Borrecco joined Banner in 2024 as the senior executive responsible for overseeing the Bank's production lines of business. He has more than 25 years of banking experience, including roles in sales management and executive leadership. His previous experience includes serving as the California president of a large regional bank and holding various leadership positions in regional and community banks.
James M. Costa - Executive Vice President and Chief Operating Officer
Mr. Costa serves as the Executive Vice President and Chief Operating Officer for Banner Corporation. No further detailed background information on his prior company management or private equity involvement was readily available.
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Here are the key risks to Banner Corporation's business:
- Interest Rate Risk: As a commercial bank, Banner Corporation's profitability is highly sensitive to fluctuations in interest rates. Changes in interest rates directly impact the bank's net interest income, which is the difference between interest earned on assets (like loans) and interest paid on liabilities (like deposits). Both prolonged high interest rates, which can increase deposit funding costs and compress net interest margins, and sudden interest rate cuts, which can lead to "margin whiplash" as asset yields reprice, pose significant threats to earnings and capital.
- Commercial Real Estate (CRE) Concentration Risk: Banner Corporation has a substantial portion of its loan portfolio concentrated in commercial real estate, including owner-occupied, investment properties, multifamily residential, and construction, land, and land development loans. Regional banks, in general, are noted to have significant exposure to the CRE market. A downturn in the commercial real estate market, particularly in sectors like office properties due to changing work patterns (hybrid/remote work), could lead to increased loan defaults, higher non-performing assets, and potential losses on these loans.
- General Credit Risk and Economic Downturn: Beyond specific real estate exposures, Banner Corporation faces inherent credit risk across its diverse loan portfolio, which also includes residential mortgage, commercial business, agricultural, and consumer loans. An economic downturn or recession in its operating regions (Washington, Oregon, California, Idaho, and Utah) could lead to a general weakening of credit quality, reduced borrower capacity to repay debts, and a subsequent increase in loan delinquencies and charge-offs. This would necessitate higher provisions for credit losses, directly impacting the bank's financial performance.
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Banner Corporation, trading under the symbol BANR, serves individuals, businesses, and public sector entities across Washington, Oregon, California, Idaho, and Utah. The addressable markets for its main products and services in these regions, primarily as of year-end 2021, are detailed below.Deposits
As of December 31, 2021, the total deposits held by FDIC-insured institutions in Banner Corporation's operating states were substantial:- California: Approximately $1.71 trillion.
- Washington: Approximately $384.8 billion.
- Oregon: Approximately $159.2 billion.
- Utah: Approximately $122.5 billion.
- Idaho: Approximately $56.9 billion.
Residential Mortgage Originations
For 2021, the dollar volume of residential mortgage originations across Banner Corporation's primary operating states, based on Home Mortgage Disclosure Act (HMDA) data, reached significant levels:- California: Approximately $743.7 billion.
- Washington: Approximately $133.0 billion.
- Oregon: Approximately $67.4 billion.
- Utah: Approximately $49.4 billion.
- Idaho: Approximately $31.8 billion.
Commercial Real Estate (CRE) Loans (Outstanding)
The total outstanding commercial real estate (CRE) loans held by FDIC-insured institutions in the U.S. amounted to approximately $2.7 trillion in 2021. This national figure indicates the overall market size for such loans across the country. State-specific outstanding balances for commercial real estate loans for 2021 are not readily available in public summaries.Commercial Business (C&I) Loans (Outstanding)
As of December 31, 2021, the total outstanding Commercial and Industrial (C&I) loans for all commercial banks in the United States were approximately $2.309 trillion. This national market size represents the aggregate business lending activity by commercial banks. State-specific breakdowns for C&I loans were not readily available in public summaries for 2021.Consumer Loans (Outstanding)
In the fourth quarter of 2021, the aggregate amount of consumer loans held by all commercial banks in the United States was approximately $1.9 trillion. This national market size encompasses various consumer credit products, including auto loans, credit cards, and other personal loans. State-specific data for total consumer loans outstanding for 2021 are not readily available in public summaries.AI Analysis | Feedback
Banner Corporation (BANR) is expected to drive future revenue growth over the next 2-3 years through several key initiatives and market advantages:
- Loan Growth: Banner anticipates continued expansion of its loan portfolio. The company reported a 5% annualized loan growth for 2025 and projects mid-single-digit growth in its loan book for 2026. Specific areas of strength include commercial real estate, with investor CRE increasing by 5% and owner-occupied CRE by 11% year-over-year.
- Strong Net Interest Margin and Core Deposit Base: The company continues to benefit from a robust core deposit base and a favorable net interest margin. In Q4 2025, net interest income increased sequentially due to a 5 basis point rise in net interest margin, reaching a tax-equivalent net interest margin of 4.03%. This strong funding position contributes significantly to overall revenue.
- "Super Community Bank" Strategy: Banner's "super community bank" strategy is central to its growth, emphasizing the cultivation of strong client relationships and the maintenance of a solid funding base. This approach aims to bolster its market position and drive sustainable growth by offering broad product offerings and localized decision-making.
- Strategic Market Positioning: Banner strategically operates in high-growth markets across the Pacific Northwest and California. These regions exhibit population growth forecasts exceeding national averages, particularly in areas like Idaho, which is projected to see a 20% growth from 2020 to 2030. This geographic advantage in markets with major technology, manufacturing, consumer, and logistics companies provides a solid foundation for future expansion.
- Growth in Non-Interest Income: While facing some headwinds in mortgage banking due to rising interest rates, Banner has demonstrated growth in other non-interest income streams. Non-interest income rose by 16.8% quarter-over-quarter in Q3 2025, surpassing projections. This diversification of revenue beyond traditional lending is expected to contribute to overall growth.
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Share Repurchases
- On July 24, 2025, Banner Corporation's Board of Directors authorized the repurchase of up to 1,729,199 shares of its common stock, representing approximately 5% of its outstanding shares.
- During the year ended December 31, 2025, the company repurchased 499,975 shares of common stock, totaling approximately US$31.49 million.
Capital Expenditures
- Banner Corporation's 2025 annual report details extensive human capital and technology investments.
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Research & Analysis
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Peer Comparisons
| Peers to compare with: |
Financials
| Median | |
|---|---|
| Name | |
| Mkt Price | 21.53 |
| Mkt Cap | 2.2 |
| Rev LTM | 654 |
| Op Inc LTM | - |
| FCF LTM | 248 |
| FCF 3Y Avg | 257 |
| CFO LTM | 257 |
| CFO 3Y Avg | 269 |
Growth & Margins
| Median | |
|---|---|
| Name | |
| Rev Chg LTM | 12.3% |
| Rev Chg 3Y Avg | 6.8% |
| Rev Chg Q | 4.2% |
| QoQ Delta Rev Chg LTM | 1.0% |
| Op Inc Chg LTM | - |
| Op Inc Chg 3Y Avg | - |
| Op Mgn LTM | - |
| Op Mgn 3Y Avg | - |
| QoQ Delta Op Mgn LTM | - |
| CFO/Rev LTM | 31.9% |
| CFO/Rev 3Y Avg | 31.2% |
| FCF/Rev LTM | 29.7% |
| FCF/Rev 3Y Avg | 27.7% |
Valuation
| Median | |
|---|---|
| Name | |
| Mkt Cap | 2.2 |
| P/S | 3.5 |
| P/Op Inc | - |
| P/EBIT | - |
| P/E | 11.6 |
| P/CFO | 11.1 |
| Total Yield | 11.3% |
| Dividend Yield | 2.7% |
| FCF Yield 3Y Avg | 12.1% |
| D/E | 0.1 |
| Net D/E | -0.4 |
Returns
| Median | |
|---|---|
| Name | |
| 1M Rtn | 5.4% |
| 3M Rtn | -4.7% |
| 6M Rtn | 11.1% |
| 12M Rtn | 31.5% |
| 3Y Rtn | 51.7% |
| 1M Excs Rtn | -3.0% |
| 3M Excs Rtn | -8.5% |
| 6M Excs Rtn | 6.1% |
| 12M Excs Rtn | -1.4% |
| 3Y Excs Rtn | -24.5% |
Price Behavior
Price Behavior
| Market Price | $63.59 | |
| Market Cap ($ Bil) | 2.2 | |
| First Trading Date | 11/01/1995 | |
| Distance from 52W High | -6.2% | |
| 50 Days | 200 Days | |
| DMA Price | $61.61 | $62.94 |
| DMA Trend | indeterminate | down |
| Distance from DMA | 3.2% | 1.0% |
| 3M | 1YR | |
| Volatility | 26.3% | 24.9% |
| Downside Capture | 0.15 | 0.35 |
| Upside Capture | 27.51 | 62.45 |
| Correlation (SPY) | 28.0% | 40.6% |
BANR Betas & Captures as of 3/31/2026
[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
| 1M | 2M | 3M | 6M | 1Y | 3Y | |
|---|---|---|---|---|---|---|
| Beta | 0.30 | 0.63 | 0.65 | 0.60 | 0.76 | 0.96 |
| Up Beta | -1.09 | 0.03 | 1.36 | 1.09 | 0.68 | 0.93 |
| Down Beta | 0.21 | 0.33 | 0.42 | 0.69 | 0.93 | 0.88 |
| Up Capture | 88% | 103% | 57% | 31% | 52% | 90% |
| Bmk +ve Days | 7 | 16 | 27 | 65 | 139 | 424 |
| Stock +ve Days | 12 | 24 | 33 | 63 | 119 | 352 |
| Down Capture | 14% | 70% | 68% | 56% | 85% | 102% |
| Bmk -ve Days | 12 | 23 | 33 | 58 | 110 | 323 |
| Stock -ve Days | 10 | 18 | 30 | 62 | 132 | 394 |
[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
Based On 1-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with BANR | |
|---|---|---|---|---|
| BANR | 10.0% | 25.0% | 0.34 | - |
| Sector ETF (XLF) | 15.6% | 15.1% | 0.76 | 58.2% |
| Equity (SPY) | 26.7% | 12.5% | 1.77 | 41.4% |
| Gold (GLD) | 38.9% | 27.4% | 1.19 | -3.0% |
| Commodities (DBC) | 23.5% | 16.2% | 1.32 | -5.6% |
| Real Estate (VNQ) | 15.6% | 13.6% | 0.82 | 36.9% |
| Bitcoin (BTCUSD) | -12.8% | 42.6% | -0.21 | 20.5% |
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Based On 5-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with BANR | |
|---|---|---|---|---|
| BANR | 6.5% | 30.8% | 0.24 | - |
| Sector ETF (XLF) | 10.0% | 18.7% | 0.42 | 66.8% |
| Equity (SPY) | 10.5% | 17.1% | 0.48 | 49.4% |
| Gold (GLD) | 21.5% | 17.8% | 0.99 | -0.0% |
| Commodities (DBC) | 10.7% | 18.8% | 0.47 | 10.1% |
| Real Estate (VNQ) | 3.6% | 18.8% | 0.09 | 46.5% |
| Bitcoin (BTCUSD) | 3.8% | 56.4% | 0.29 | 17.0% |
Smart multi-asset allocation framework can stack odds in your favor. Learn How
Based On 10-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with BANR | |
|---|---|---|---|---|
| BANR | 7.5% | 35.2% | 0.30 | - |
| Sector ETF (XLF) | 12.9% | 22.2% | 0.53 | 74.9% |
| Equity (SPY) | 13.8% | 17.9% | 0.66 | 57.2% |
| Gold (GLD) | 13.9% | 15.9% | 0.73 | -5.8% |
| Commodities (DBC) | 8.1% | 17.6% | 0.38 | 19.0% |
| Real Estate (VNQ) | 5.4% | 20.7% | 0.23 | 52.6% |
| Bitcoin (BTCUSD) | 68.1% | 66.9% | 1.07 | 13.2% |
Smart multi-asset allocation framework can stack odds in your favor. Learn How
Returns Analyses
Earnings Returns History
Expand for More| Forward Returns | |||
|---|---|---|---|
| Earnings Date | 1D Returns | 5D Returns | 21D Returns |
| 4/22/2026 | |||
| 1/21/2026 | 0.2% | -7.8% | -1.8% |
| 10/15/2025 | -0.3% | 1.6% | -1.0% |
| 7/16/2025 | 0.6% | -2.2% | -1.2% |
| 4/16/2025 | 1.4% | 4.3% | 9.4% |
| 1/22/2025 | 0.1% | 0.5% | -3.5% |
| 10/16/2024 | 3.1% | -1.0% | 12.3% |
| 7/17/2024 | -1.3% | -1.3% | -6.8% |
| ... | |||
| SUMMARY STATS | |||
| # Positive | 14 | 9 | 14 |
| # Negative | 10 | 15 | 10 |
| Median Positive | 1.5% | 3.0% | 6.5% |
| Median Negative | -1.2% | -4.8% | -6.2% |
| Max Positive | 10.4% | 7.0% | 12.3% |
| Max Negative | -7.5% | -8.0% | -10.4% |
SEC Filings
Expand for More| Report Date | Filing Date | Filing |
|---|---|---|
| 12/31/2025 | 02/25/2026 | 10-K |
| 09/30/2025 | 11/04/2025 | 10-Q |
| 06/30/2025 | 08/05/2025 | 10-Q |
| 03/31/2025 | 05/06/2025 | 10-Q |
| 12/31/2024 | 02/26/2025 | 10-K |
| 09/30/2024 | 11/05/2024 | 10-Q |
| 06/30/2024 | 08/06/2024 | 10-Q |
| 03/31/2024 | 05/07/2024 | 10-Q |
| 12/31/2023 | 02/23/2024 | 10-K |
| 09/30/2023 | 11/02/2023 | 10-Q |
| 06/30/2023 | 08/03/2023 | 10-Q |
| 03/31/2023 | 05/05/2023 | 10-Q |
| 12/31/2022 | 02/21/2023 | 10-K |
| 09/30/2022 | 11/03/2022 | 10-Q |
| 06/30/2022 | 08/04/2022 | 10-Q |
| 03/31/2022 | 05/09/2022 | 10-Q |
External Quote Links
| Y Finance | Barrons |
| TradingView | Morningstar |
| SeekingAlpha | ValueLine |
| Motley Fool | Robinhood |
| CNBC | Etrade |
| MarketWatch | Unusual Whales |
| YCharts | Perplexity Finance |
| FinViz |
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