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
3Y+8.0%
5Y+105.0%
10Y-440.0%
3Y-84.0%
5Y-85.0%
10Y-253.0%
3Y-84.0%
5Y-105.0%
10Y+32.0%
BANR

Banner Corporation Cash Conversion Engine

BANR ยท NASDAQ
Net Income51.25M
Depreciation & Amortization14.14M
Stock-Based Compensation17.49M
Change in Working Capital-26.22M
Others196.06M
Capital Expenditures-9.51M
Free Cash Flow247.95M

Cash Flow Quality Analysis

FCF Conversion Rate

483.8%

Excellent cash generation. The company converts earnings to cash at or above 100%, indicating high-quality earnings.

CapEx Intensity

3.7%

Asset-light business model. Low capital requirements leave more cash available for shareholders and growth investments.

FCF Growth Trend

-11.3%

Declining FCF warrants attention. Investigate whether due to temporary factors or fundamental deterioration.

Working Capital Impact

-$26.22M

Minimal working capital impact on FCF. Changes in operating assets and liabilities well-managed.

Cash Flow Quality Insight

Asset-light with strong cash conversion: Low capital requirements combined with efficient cash generation creates significant shareholder value through dividends, buybacks, or strategic investments.

Banner Corporation Cash Flow Statement

BANR โ€ข NASDAQ

Banner Corporation Cash Flow StatementDec 2025Dec 2024Dec 2023Dec 2022Dec 2021Dec 2020Dec 2019Dec 2018Dec 2017Dec 2016Dec 2015Dec 2014Dec 2013Dec 2012Dec 2011Dec 2010Dec 2009Dec 2008Dec 2007Dec 2006
OPERATING ACTIVITIES
51.2M
168.9M
183.6M
195.4M
201M
115.9M
146.3M
136.5M
60.8M
85.4M
45.2M
54.1M
46.2M
64.9M
5.5M
-61.9M
-35.8M
-128M
36.9M
31.5M
14.1M
20.7M
21.6M
22.2M
23.9M
25.9M
25.4M
21.3M
20.9M
20.5M
13.1M
10.1M
9.4M
9.9M
10.9M
11.7M
12.4M
13.4M
8.2M
6.1M
4.7M
7.1M
-1.7M
15.9M
12.7M
-16.2M
7.9M
440K
53.3M
5.7M
-5.4M
14.7M
-2.9M
-33.9M
0.0
15.1M
-6.7M
-9.8M
-1.4M
-1.3M
17.5M
10M
9.2M
8.9M
9.3M
9.2M
7.1M
6.6M
6M
4.3M
4.3M
2.3M
1M
440K
136K
83K
162K
330K
0.0
0.0
196.1M
108.2M
40.3M
501K
63.5M
13.8M
-32.6M
-135.5M
202.1M
-194.9M
-35.9M
15.9M
16M
37.7M
64.8M
136M
156.3M
125.9M
47.5M
-2.1M
(23.1M)
(24.2M)
(38.7M)
(24.9M)
(29M)
(39.7M)
(27.3M)
(21.7M)
(35.5M)
(36.2M)
(27.3M)
(13M)
(22.8M)
(9.6M)
(0.0)
(592K)
(8.2M)
(9.2M)
(0.0)
(0.0)
-26.2M
-21.7M
4.1M
-4.8M
-8.9M
-23.2M
-4.6M
1.5M
3.6M
3.2M
-5.1M
1.1M
25.6M
2.4M
20.1M
13.6M
-51.3M
-4.6M
-317K
9.5M
257.5M
293.2M
257.2M
238.1M
301.6M
125.4M
149.6M
30.8M
346.7M
-75.8M
16.2M
98.1M
95.4M
81.4M
101.3M
114.5M
75.1M
-2.9M
91M
43.7M
INVESTING ACTIVITIES
-3.4M
-13.7M
-14.7M
-14.7M
-10.5M
-12.8M
-24.7M
-23.1M
-12.2M
-16.2M
-12.1M
-5.9M
-8.2M
-5.6M
-3.6M
-2.2M
-8.9M
-10.2M
-27.4M
-13.4M
(0.0)
(0.0)
(0.0)
-168.1M
(0.0)
(0.0)
(26.9M)
-1.6M
(113.2M)
(0.0)
(24.2M)
(127.6M)
(6.8M)
(0.0)
(0.0)
(0.0)
(0.0)
-150K
(0.0)
(0.0)
-54.2M
-63.2M
-58.2M
-850.6M
-2.9B
-2.6B
-332.4M
-923.6M
-844.7M
-303.5M
-155.3M
-97.7M
-224.1M
-436.5M
-634.7M
-247.2M
-95.4M
-60.6M
-6.7M
-7.9M
86.6M
369.9M
600.4M
639.4M
1.4B
1.7B
458.6M
421.2M
721.5M
572.3M
359M
128M
197.5M
414.5M
368.3M
142.3M
30.8M
2M
980K
44.6M
-253.8M
-664.1M
-335.7M
-1.1B
505.3M
-518.4M
-271.6M
-449.2M
-371M
-106.2M
-200.8M
-316M
-178.4M
80.1M
98.8M
283.2M
13.6M
-199M
-246M
-522.8M
-224.7M
-371.2M
(191.9M)
-1.4B
-1B
-1.5B
-143.1M
-976.2M
-393.3M
(146.4M)
(15.1M)
-164.1M
-206.4M
(52.5M)
-171.2M
(176.1M)
-59.8M
-267.9M
-279.1M
-499.6M
FINANCING ACTIVITIES
-35M
-2.2M
-3.5M
-11M
-56.5M
-31.8M
-53.9M
-34.4M
-31M
-50.8M
34K
127K
72K
36.3M
21.6M
177.8M
14.7M
131.3M
37.1M
4.4M
-238M
-90.6M
223.1M
-80.7M
-28.3M
-135.7M
-131.7M
547.9M
-63.8M
-71.2M
-104.3M
-879K
23.4M
-75.5M
-56.5M
-146.5M
111.1M
-4.5M
-79.5M
-56.3M
-67.5M
-66.7M
-66.8M
-61.1M
-57.6M
-94.1M
-56.1M
-59.3M
-65.8M
-28.3M
-17.2M
-13.5M
-7.8M
-6.5M
-8.8M
-8.9M
-7.5M
-10.4M
-10.6M
-8.6M
-35M
-2.2M
-3.5M
-11M
-56.5M
-31.8M
-53.9M
-34.4M
-31M
-50.8M
(0.0)
(0.0)
(0.0)
-121.5M
(0.0)
(0.0)
-47K
-14.3M
-2.1M
-2.4M
228.6M
484.9M
-590.6M
-532M
1.8B
2.5B
270.7M
502.3M
220.7M
65.5M
226M
68.9M
51.4M
82.2M
-115.5M
-274.4M
86.7M
158.7M
266.2M
472.4M
-111.9M
325.4M
-437.7M
-684.7M
1.6B
2.3B
29M
956.4M
60.1M
-84.8M
104.6M
54.7M
67.1M
-85M
-159.3M
-251.9M
205M
275.1M
213.2M
412.8M
CASH FLOW SUMMARY
-353.6M
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
-432.9M
247.4M
11.4M
-1.9B
900.1M
926.4M
35.5M
11M
13.5M
-14.2M
135.8M
-11.3M
-43.9M
48.9M
-229.2M
38.6M
220.3M
4.3M
25M
-43.1M
501.9M
254.5M
243.1M
2.1B
1.2B
307.7M
272.2M
261.2M
247.7M
261.9M
126.1M
137.3M
181.3M
132.4M
361.7M
323M
102.8M
98.4M
73.4M
116.4M
69M
501.9M
254.5M
243.1M
2.1B
1.2B
307.7M
272.2M
261.2M
247.7M
261.9M
126.1M
137.3M
181.3M
132.4M
361.7M
323M
102.8M
98.4M
73.4M
248M
279.4M
242.5M
223.3M
291.1M
112.6M
124.9M
7.7M
334.5M
-92.1M
4.1M
92.1M
87.2M
75.8M
97.7M
112.4M
66.2M
-13.1M
63.6M
30.3M

SEC Filings

BANR - Filing history and reports

Filing TypeFiling DatePeriod EndingFiscal YearActions
S-4

S-4

N/A

June 03, 2026
June 03, 2026
ย 
8-K

8-K 2026

N/A

May 22, 2026
May 20, 2026
2026
10-Q

10-Q 2026 Q1

Q1

May 05, 2026
March 31, 2026
2026
8-K

8-K 2026

N/A

May 01, 2026
April 30, 2026
2026
8-K

8-K 2026

N/A

April 22, 2026
April 22, 2026
2026
DEF 14A

DEF 14A 2025

N/A

April 06, 2026
December 31, 2025
2025
8-K

8-K 2026

N/A

March 02, 2026
March 02, 2026
2026
10-K

10-K 2025 FY

FY

February 25, 2026
December 31, 2025
2025
8-K

8-K 2026

N/A

January 21, 2026
January 21, 2026
2026
10-Q

10-Q 2025 Q3

Q3

November 04, 2025
September 30, 2025
2025
Showing 1 to 10 of 484 filings