Banner Corporation

Banner Corporation

BANRยทNASDAQ

$62.90

+0.016%
Financial ServicesBanks - Regional

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.

At a Glance

Live Snapshot
Market Cap$2.14B
EPS5.6700
P/E Ratio11.09
Earnings Date07/15/2026
Banner Corporation

Banner Corporation Fair Value Envelope

BANR ยท NASDAQ

Our analysis suggests that BANR has a fair value of HIDDEN per share in the Base Case projection. With shares currently trading at $62.9, this represents a potential HIDDEN relative to our calculated worth for Banner Corporation.

Intrinsic Value
Current Price: $62.9

Owner Earnings Valuation Tool

Warren Buffett's Owner Earnings DCF analysis for intrinsic value calculation

Historical Financial Data

Base year metrics used for projections

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Projection Settings

Forecast period and terminal assumptions

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DCF Valuation Summary

Calculation flow from present value to intrinsic value per share

Present Value$1.6B
+ Cash & Equivalents$182.8M
Firm Value$1.8B
- Debt$372.6M
Equity Value$1.4B
/ Shares Outstanding34,532,589B
DCF Value$41
OVERVALUED BY 34%

Owner Earnings Projections

Operating Cash Flow - Maintenance CapEx = Owner Earnings

Metric
Year 1
Year 2
Year 3
Year 4
Year 5
Year 6
Year 7
Year 8
Year 9
Year 10
Operating Cash Flow
$228.5M
$202.7M
$179.9M
$159.6M
$141.6M
$125.7M
$111.5M
$98.9M
$87.8M
$77.9M
Maintenance CapEx
-$1.7M
-$1.5M
-$1.3M
-$1.2M
-$1.0M
-$928.6K
-$824.0K
-$731.1K
-$648.7K
-$575.6K
Owner Earnings
$226.8M
$201.2M
$178.5M
$158.4M
$140.6M
$124.7M
$110.7M
$98.2M
$87.1M
$77.3M
Discount Factor
0.926
0.857
0.794
0.735
0.681
0.630
0.583
0.540
0.500
0.463
Present Value
$210.0M
$172.5M
$141.7M
$116.4M
$95.7M
$78.6M
$64.6M
$53.1M
$43.6M
$35.8M
Terminal Value represents 37.6% of Enterprise Value