Banner Corporation (BANR)
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
$71.15+0.04%
Close 2026-09-04 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
QuarterlyIQ Insights · BANR
What must go right, what could break, what the price assumes, and what evidence comes next.
The current health of the standing investment case.
Recent financial performance sits below its industry cohort — worth keeping an eye on, though it has not freshly broken.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | 3.5% |
| Our one-year growth estimate | diamond | -1.7% |
Growth built into the price is above our model estimate.
The price assumes 5.2 percentage points more one-year growth.
The one-year revenue growth assumption on Valuation.
For each item: what to watch, what would become a concern, and what would make it less concerning.
A reporting-risk estimate, not a forecast of the stock-price response.
Model as of 2026-09-04 · Compared with 219 industry peers
BANR — litigation filed
Dated 2026-08-17
Other Events. As previously reported, Banner Corporation (“Banner”) and Pacific Financial Corporation (“Pacific Financial”) entered into that certain Agreement and Plan of Merger, dated as of April 30, 2026 (the “Merger Agreement”), pursuant to which Pacific Financial will merge with and into Banner (the “Merger”). On August 14, 2026, Banner received a letter from the Federal Reserve stating it does not object to Banner’s previously requested waiver of the application requirement for the Merg…
Why it matters: Updates on the buyback program can signal management's confidence in the stock. It may support share price.
Supportive ifManagement says they are making progress on buying back the 1.7 million shares.
Worry ifNo updates or a halt to the buyback program is announced.
Why it matters: Fewer non-performing assets would show better credit quality. It also shows good risk management.
Supportive ifNon-performing assets drop below $60.5 million in Q3 2026.
Worry ifNon-performing assets go over $60.5 million. This shows credit quality is getting worse.
Why it matters: Better earnings would show a recovery from the recent earnings miss. This would help investor confidence.
Supportive ifQ3 earnings per share exceeds $1.50, showing growth from Q2's $1.43.
Worry ifQ3 earnings per share is below $1.40. This shows ongoing challenges.
Why it matters: Growing net interest income is important. It helps keep profits up as costs rise.
Supportive ifQ3 net interest income is over $153.7 million. This shows steady growth.
Worry ifQ3 net interest income is under $150 million. This may mean there are problems.
Why it matters: The dividend payment shows that Banner wants to give money back to shareholders.
Watch forThe dividend is paid as scheduled at $0.52 per share.
Also watch forThe dividend payment is late or smaller. This may mean cash flow problems.
Why it matters: An increase in non-performing assets could indicate rising credit risk. This may hurt investor confidence.
Worry ifNon-performing assets rise above 0.36% of total assets in the next report.
Less concerning ifNon-performing assets go down or stay the same.
Why it matters: Earnings results will show how well the bank is doing. They will also show its growth.
Watch forEarnings per share for Q3 2026 exceeds $1.50.
Also watch forEarnings per share for Q3 2026 falls below $1.30.
Why it matters: A drop in core deposits may show weak customer confidence. This can affect funding stability.
Worry ifCore deposits fall below 89% of total deposits in the next quarter.
Less concerning ifCore deposits remain at or above 89% of total deposits.
Why it matters: Sustained loan growth shows strong demand. It also means effective lending, which helps revenue.
Supportive ifNet loans receivable increase by more than 2% in the next quarter.
Worry ifNet loans receivable increase by less than 2% or decline.
Why it matters: This merger will help Banner grow and reach more customers.
Supportive ifThe merger with Pacific Financial is done. Integration will start in November 2026.
Worry ifThe merger may have delays or regulatory problems. This could push back integration.
Why it matters: A drop in net interest margin may mean lower profits and affect earnings.
Worry ifNet interest margin falls below 4.11% in the next earnings report.
Less concerning ifNet interest margin stays steady or goes above 4.13% in the next earnings report.
Why it matters: Higher provisions can mean lower credit quality. This may hurt future earnings.
Worry ifProvisions for credit losses exceed $4 million in the Q3 earnings report.
Less concerning ifProvisions for credit losses remain below $3 million in the Q3 earnings report.
We watch for confirming and disproving signals on each item. Resolutions are found automatically where possible and checked by hand for unclear cases. Last 90 days shown.
Historical relationships that met the evidence threshold. They do not prove cause or forecast a move.
Usually moved in the same direction.
Price observations: 365 days
Most sensitive to the broad stock market.
Based on historical daily prices through 2026-09-04.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
A larger daily loss that occurred about once in every 20 trading days.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$88 on $10,000 · ±0.9% | How much price usually moves either way. |
| Bad day | $214 loss on $10,000 · 2.1% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $1,328 loss on $10,000 · 13.3% | Deepest peak-to-trough drop in the last year. |
Past year. 1.00 means similar movement; 1.20 means about 20% more.
Past year. 1.00 means similar movement to the sector. This is secondary context.
Latest 30 trading days, shown as an annual percentage.
Latest 252 trading days, shown as an annual percentage.
20-trading-day average in US dollars.
Trading days used by the source risk snapshot.
Past results, not a forecast. Not investment advice.
Use the underlying financial and sector pages to investigate the cause.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.