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Banner (BANR) Financials

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$65.67 +0.09 (+0.14%)
Closing price 05/8/2026 04:00 PM Eastern
Extended Trading
$65.66 -0.02 (-0.02%)
As of 05/8/2026 05:40 PM Eastern
Extended trading is trading that happens on electronic markets outside of regular trading hours. This is a fair market value extended hours price provided by Massive. Learn more.
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Annual Income Statements for Banner

Annual Income Statements for Banner

This table shows Banner's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 45 85 61 133 146 116 201 195 184 169 195
Consolidated Net Income / (Loss)		 45 85 61 137 146 116 201 195 184 169 195
Net Income / (Loss) Continuing Operations		 45 85 61 133 146 116 201 195 184 169 195
Total Pre-Tax Income 		68 130 151 165 183 142 247 241 227 209 239
Total Revenue		 306 428 471 511 551 580 588 628 644 610 662
Net Interest Income / (Expense)		 242 375 393 431 469 481 497 553 576 542 588
Total Interest Income		 254 391 412 464 526 519 521 573 702 766 805
Loans and Leases Interest Income		 237 360 374 413 471 466 446 451 578 656 702
Investment Securities Interest Income		 17 32 38 50 54 53 75 122 124 111 103
Total Interest Expense		 12 16 19 33 57 38 24 19 126 224 217
Deposits Interest Expense		 8.39 11 12 21 38 25 12 10 100 199 201
Short-Term Borrowings Interest Expense		 0.31 0.95 1.91 5.88 13 5.63 3.06 0.87 14 13 8.53
Long-Term Debt Interest Expense		 3.46 4.35 5.07 6.14 6.57 7.20 8.78 8.40 12 12 7.71
Total Non-Interest Income		 64 52 78 80 82 98 91 74 68 68 74
Other Service Charges		 61 48 73 77 77 92 86 62 59 64 64
Other Non-Interest Income		 2.50 4.54 4.62 4.51 4.65 5.97 5.00 7.79 9.25 9.19 10
Provision for Credit Losses		 0.00 6.03 8.00 8.50 10 68 -33 10 11 7.58 13
Total Non-Interest Expense		 238 292 312 341 358 369 380 377 383 392 409
Salaries and Employee Benefits		 127 181 192 203 226 245 244 242 245 251 261
Net Occupancy & Equipment Expense		 42 64 65 68 75 78 77 78 76 78 82
Marketing Expense		 7.65 9.71 8.64 8.35 7.84 6.41 6.04 3.96 4.79 5.15 4.75
Property & Liability Insurance Claims		 3.19 4.55 4.69 22 2.84 6.52 5.58 6.65 11 11 11
Other Operating Expenses		 27 12 42 28 29 24 37 40 43 44 49
Amortization Expense		 3.16 7.06 6.25 6.05 8.15 7.73 6.57 5.28 3.76 2.63 1.57
Other Special Charges		 1.35 1.78 -7.27 - 0.91 -0.36 -2.81 -0.01 23 0.98 1.01
Income Tax Expense		 23 44 90 29 37 27 46 45 43 41 44
Basic Earnings per Share		 $1.90 $2.52 $1.85 $4.16 $4.20 $3.29 $5.81 $5.70 $5.35 $4.90 $5.67
Weighted Average Basic Shares Outstanding		 23.80M 33.82M 32.89M 32.78M 34.87M 35.26M 34.61M 34.26M 34.34M 34.47M 34.46M
Diluted Earnings per Share		 $1.89 $2.52 $1.84 $4.15 $4.18 $3.26 $5.76 $5.67 $5.33 $4.88 $5.64
Weighted Average Diluted Shares Outstanding		 23.87M 33.85M 32.99M 32.89M 34.97M 35.53M 34.92M 34.46M 34.45M 34.63M 34.66M
Weighted Average Basic & Diluted Shares Outstanding		 23.80M 33.90M 32.90M 32.80M 35.75M 35.16M 34.25M 34.19M 34.35M 34.46M 34.10M
Cash Dividends to Common per Share		 $0.72 $0.88 $2.00 $1.96 $2.64 $1.23 $1.64 $1.76 $1.92 $1.92 $1.94

Quarterly Income Statements for Banner

This table shows Banner's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Income / (Loss) Attributable to Common Shareholders		 46 43 38 40 45 46 45 45 54 51 55
Consolidated Net Income / (Loss)		 46 43 38 40 45 46 45 45 54 51 55
Net Income / (Loss) Continuing Operations		 46 43 38 40 45 46 45 45 54 51 55
Total Pre-Tax Income 		57 53 46 49 56 58 56 56 66 61 68
Total Revenue		 158 169 146 150 154 156 160 162 170 169 169
Net Interest Income / (Expense)		 142 138 133 133 136 141 141 144 150 152 150
Total Interest Income		 179 184 185 189 196 196 194 200 206 205 198
Loans and Leases Interest Income		 149 155 156 161 168 170 169 175 179 179 174
Investment Securities Interest Income		 30 29 28 28 28 27 25 25 27 26 24
Total Interest Expense		 37 45 52 57 60 56 53 56 56 53 48
Deposits Interest Expense		 31 39 45 49 54 52 49 49 52 50 46
Short-Term Borrowings Interest Expense		 3.33 3.00 4.15 4.78 3.41 0.90 1.55 4.05 2.22 0.71 0.74
Long-Term Debt Interest Expense		 2.97 2.99 2.97 2.96 2.97 2.78 2.49 2.50 1.39 1.33 1.23
Total Non-Interest Income		 16 30 13 17 18 15 19 18 21 17 19
Other Service Charges		 14 16 15 16 16 17 16 15 17 15 16
Other Non-Interest Income		 2.06 2.61 2.24 2.37 2.45 2.14 2.58 2.38 2.70 2.49 2.31
Provision for Credit Losses		 2.03 2.52 0.52 2.37 1.69 3.00 3.14 4.80 2.67 2.44 -0.80
Total Non-Interest Expense		 96 97 98 98 96 99 101 101 102 104 103
Salaries and Employee Benefits		 61 60 62 64 62 63 65 65 65 65 68
Net Occupancy & Equipment Expense		 19 19 20 19 19 20 20 20 21 21 19
Marketing Expense		 1.36 1.69 1.08 1.20 1.16 1.71 0.59 1.09 1.40 1.68 0.67
Property & Liability Insurance Claims		 2.87 2.93 2.81 2.86 2.87 2.86 2.80 2.80 2.87 2.85 2.72
Other Operating Expenses		 11 12 11 10 11 12 13 11 12 13 12
Amortization Expense		 0.86 0.86 0.72 0.72 0.59 0.59 0.46 0.46 0.34 0.32 0.26
Other Special Charges		 3.31 16 0.99 0.19 -0.04 -5.06 -0.32 -0.09 -0.22 1.64 -0.42
Income Tax Expense		 11 11 8.83 9.45 11 12 11 11 13 9.84 13
Basic Earnings per Share		 $1.33 $1.25 $1.09 $1.15 $1.31 $1.35 $1.31 $1.31 $1.55 $1.50 $1.61
Weighted Average Basic Shares Outstanding		 34.38M 34.34M 34.39M 34.49M 34.50M 34.47M 34.51M 34.63M 34.49M 34.46M 34.04M
Diluted Earnings per Share		 $1.33 $1.24 $1.09 $1.15 $1.30 $1.34 $1.30 $1.31 $1.54 $1.49 $1.60
Weighted Average Diluted Shares Outstanding		 34.43M 34.45M 34.52M 34.54M 34.65M 34.63M 34.78M 34.74M 34.66M 34.66M 34.25M
Weighted Average Basic & Diluted Shares Outstanding		 34.35M 34.35M 34.45M 34.46M 34.46M 34.46M 34.58M 34.58M 34.09M 34.10M 33.97M
Cash Dividends to Common per Share		 $0.48 $0.48 $0.48 $0.48 $0.48 $0.48 $0.48 $0.48 $0.48 $0.50 $0.50

Annual Cash Flow Statements for Banner

This table details how cash moves in and out of Banner's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Change in Cash & Equivalents		 136 -14 13 11 36 926 900 -1,891 11 247 -79
Net Cash From Operating Activities		 16 -76 347 31 150 125 302 238 257 293 257
Net Cash From Continuing Operating Activities		 16 -76 347 31 150 125 302 246 257 293 257
Net Income / (Loss) Continuing Operations		 45 85 61 137 146 116 201 195 184 169 195
Consolidated Net Income / (Loss)		 45 85 61 137 146 116 201 195 184 169 195
Provision For Loan Losses		 0.22 6.91 8.26 8.89 10 68 -33 10 11 7.58 13
Depreciation Expense		 9.96 13 15 15 17 18 17 17 18 18 16
Amortization Expense		 3.16 7.06 6.25 -0.52 7.27 -8.20 -34 2.85 1.39 -4.00 -8.31
Non-Cash Adjustments to Reconcile Net Income		 -33 -193 196 -128 -35 -30 151 10 37 116 81
Changes in Operating Assets and Liabilities, net		 -9.38 4.09 60 -1.87 3.52 -39 -0.79 10 6.66 -14 -40
Net Cash From Investing Activities		 15 146 -393 -976 -143 -1,455 -1,015 -1,445 192 -371 -225
Net Cash From Continuing Investing Activities		 15 146 -393 -976 -143 -1,455 -1,015 -1,445 192 -371 -225
Purchase of Property, Leasehold Improvements and Equipment		 -12 -16 -12 -23 -25 -13 -10 -15 -15 -14 -9.51
Purchase of Investment Securities		 -535 -692 -1,376 -1,537 -513 -2,686 -3,301 -1,042 -224 -212 -317
Sale of Property, Leasehold Improvements and Equipment		 4.74 15 20 7.77 7.82 8.89 12 6.09 4.67 4.32 7.73
Sale and/or Maturity of Investments		 533 840 862 574 664 1,797 1,488 672 1,070 537 572
Other Investing Activities, net		 - - - 3.58 -304 -561 796 -898 -644 -687 -477
Net Cash From Financing Activities		 105 -85 60 956 29 2,256 1,614 -685 -438 325 -112
Net Cash From Continuing Financing Activities		 105 -85 60 956 29 2,256 1,614 -685 -438 325 -112
Net Change in Deposits		 227 66 222 504 273 2,519 1,760 -529 -591 485 229
Issuance of Debt		 16 24 0.00 540 449 -136 - 52 273 -33 -140
Repayment of Debt		 -120 -95 -64 -0.01 -581 0.00 -108 -101 0.00 0.00 -81
Repurchase of Common Equity		 0.00 -51 -31 -34 -54 -32 -57 -11 0.00 0.00 -32
Payment of Dividends		 -17 -28 -66 -59 -56 -94 -58 -61 -67 -67 -68
Other Financing Activities, Net		 -0.85 -0.87 -1.63 6.32 -1.92 -1.45 76 -35 -53 -60 -21
Cash Interest Paid		 12 17 19 28 58 41 24 19 111 225 217
Cash Income Taxes Paid		 27 36 36 22 27 40 29 25 39 24 31

Quarterly Cash Flow Statements for Banner

This table details how cash moves in and out of Banner's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Change in Cash & Equivalents		 -30 2.76 -45 38 231 23 -60 41 190 -250 17
Net Cash From Operating Activities		 72 68 51 79 64 99 57 55 120 25 110
Net Cash From Continuing Operating Activities		 72 68 51 79 64 99 57 55 120 25 110
Net Income / (Loss) Continuing Operations		 46 43 38 40 45 46 45 45 54 51 55
Consolidated Net Income / (Loss)		 46 43 38 40 45 46 45 45 54 51 55
Provision For Loan Losses		 2.03 2.52 0.52 2.37 1.69 3.00 3.14 4.80 2.67 2.44 -0.80
Depreciation Expense		 4.50 4.56 4.57 4.52 4.53 4.46 4.30 4.17 4.05 3.92 3.64
Amortization Expense		 0.27 -0.54 -0.48 -0.83 -1.28 -1.42 -1.85 -1.83 -2.55 -2.09 -2.36
Non-Cash Adjustments to Reconcile Net Income		 14 11 22 37 4.25 53 33 9.98 43 -4.77 41
Changes in Operating Assets and Liabilities, net		 5.13 7.21 -13 -4.52 9.41 -5.74 -26 -7.76 20 -26 13
Net Cash From Investing Activities		 -26 -81 62 -272 -95 -67 -62 -231 74 -6.54 -14
Net Cash From Continuing Investing Activities		 -26 -81 62 -272 -95 -67 -62 -231 74 -6.54 -14
Purchase of Property, Leasehold Improvements and Equipment		 -6.12 -3.03 -2.23 -4.40 -3.33 -3.79 -1.66 -2.74 -1.76 -3.36 -0.42
Purchase of Investment Securities		 -37 -46 -51 -60 -72 -30 -78 -78 -101 -61 -109
Sale of Property, Leasehold Improvements and Equipment		 0.66 3.65 0.58 3.44 0.30 - 1.56 0.31 4.66 1.19 0.95
Sale and/or Maturity of Investments		 169 129 186 112 133 106 127 133 217 95 114
Other Investing Activities, net		 -152 -164 -72 -322 -153 -139 -111 -284 -44 -39 -20
Net Cash From Financing Activities		 -76 16 -159 231 263 -9.67 -55 217 -5.30 -269 -79
Net Cash From Continuing Financing Activities		 -76 16 -159 231 263 -9.67 -55 217 -5.30 -269 -79
Net Change in Deposits		 75 -145 129 -80 459 -24 79 -66 489 -273 97
Issuance of Debt		 -130 183 -271 346 -168 60 -122 397 -465 50 -150
Repayment of Debt		 -4.58 44 0.46 -17 -11 28 5.33 -94 3.43 4.72 8.01
Repurchase of Common Equity		 - - - - - - 0.00 - - -16 -16
Payment of Dividends		 -16 -17 -17 -17 -17 -17 -17 -17 -17 -17 -17
Other Financing Activities, Net		 -0.02 -50 -0.91 -1.16 -0.03 -58 -0.77 -2.65 -0.03 -18 -0.71
Cash Interest Paid		 32 44 53 54 60 58 51 60 53 53 50

Annual Balance Sheets for Banner

This table presents Banner's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Total Assets		 9,796 9,794 9,763 11,871 12,604 15,032 16,805 15,833 15,670 16,200 16,354
Cash and Due from Banks		 118 177 200 231 234 312 358 198 210 203 183
Interest Bearing Deposits at Other Banks		 144 71 62 41 73 922 1,776 45 45 298 240
Trading Account Securities		 1,393 1,099 1,202 1,896 1,577 2,348 3,966 3,118 3,433 3,106 2,977
Loans and Leases, Net of Allowance		 7,236 7,365 7,510 8,588 9,205 9,704 8,953 10,005 -150 -156 -160
Allowance for Loan and Lease Losses		 78 86 89 96 101 167 132 141 150 156 160
Loans Held for Sale		 45 246 41 171 210 244 9,049 57 11 32 43
Premises and Equipment, Net		 168 166 155 172 178 165 149 139 132 125 112
Goodwill		 248 245 243 339 373 373 373 373 373 373 373
Intangible Assets		 37 30 23 33 29 21 15 9.44 5.68 3.06 1.49
Other Assets		 407 394 329 400 724 943 1,119 1,889 11,611 12,215 12,586
Total Liabilities & Shareholders' Equity		 9,796 9,794 9,763 11,871 12,604 15,032 16,805 15,833 15,670 16,200 16,354
Total Liabilities		 8,496 8,488 8,491 10,393 11,010 13,365 15,115 14,377 14,018 14,426 14,408
Non-Interest Bearing Deposits		 2,620 3,140 3,266 3,658 3,945 5,493 6,385 6,177 4,792 4,592 4,490
Interest Bearing Deposits		 5,435 4,981 4,918 5,819 6,104 7,074 7,942 7,443 8,237 8,923 9,253
Short-Term Debt		 98 106 - 119 118 185 - 233 183 125 108
Long-Term Debt		 226 149 195 654 569 365 533 125 389 438 229
Other Long-Term Liabilities		 117 111 112 142 274 248 255 300 323 348 328
Commitments & Contingencies		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 1,300 1,306 1,273 1,479 1,594 1,666 1,690 1,456 1,653 1,774 1,946
Total Preferred & Common Equity		 1,300 1,306 1,273 1,479 1,594 1,666 1,690 1,456 1,653 1,774 1,946
Preferred Stock		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 1,300 1,306 1,273 1,479 1,594 1,666 1,690 1,456 1,653 1,774 1,946
Common Stock		 1,254 1,207 1,180 1,330 1,366 1,342 1,292 1,287 1,293 1,301 1,277
Retained Earnings		 40 95 91 134 187 247 391 525 642 744 872
Treasury Stock		 6.93 7.28 7.35 7.29 7.51 7.64 7.44 6.91 6.56 6.19 5.81
Accumulated Other Comprehensive Income / (Loss)		 -0.73 -3.46 -5.04 7.10 33 69 0.18 -363 -289 -277 -208

Quarterly Balance Sheets for Banner

This table presents Banner's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q1 2023 Q2 2023 Q3 2023 Q1 2024 Q2 2024 Q3 2024 Q1 2025 Q2 2025 Q3 2025 Q1 2026
Period end date 9/30/2022 3/31/2023 6/30/2023 9/30/2023 3/31/2024 6/30/2024 9/30/2024 3/31/2025 6/30/2025 9/30/2025 3/31/2026
Total Assets		 16,361 15,534 15,585 15,508 15,518 15,816 16,189 16,171 16,437 16,563 16,344
Cash and Due from Banks		 273 195 230 207 168 195 227 214 239 193 180
Interest Bearing Deposits at Other Banks		 549 48 51 45 41 52 252 228 244 479 259
Trading Account Securities		 3,325 2,832 2,492 3,395 3,283 3,221 3,252 3,101 3,046 2,990 2,979
Loans and Leases, Net of Allowance		 9,691 10,019 10,328 10,464 10,718 10,991 11,070 -157 -161 -160 -160
Allowance for Loan and Lease Losses		 136 141 145 147 151 153 155 157 161 160 160
Loans Held for Sale		 84 10,068 61 54 9.36 13 79 25 38 20 34
Premises and Equipment, Net		 141 136 135 137 130 126 125 120 117 114 108
Goodwill		 373 373 373 373 373 373 373 373 373 373 373
Intangible Assets		 11 8.39 7.40 6.54 4.96 4.24 3.65 2.60 2.15 1.81 1.24
Other Assets		 1,914 1,872 1,908 826 790 840 807 12,266 12,538 12,551 12,570
Total Liabilities & Shareholders' Equity		 16,361 15,534 15,585 15,508 15,518 15,816 16,189 16,171 16,437 16,563 16,344
Total Liabilities		 14,952 14,002 14,042 13,987 13,854 14,125 14,395 14,337 14,572 14,650 14,378
Non-Interest Bearing Deposits		 6,508 5,764 5,369 5,198 4,700 4,538 4,688 4,572 4,504 4,572 4,533
Interest Bearing Deposits		 7,727 7,390 7,730 7,977 8,459 8,541 8,850 9,022 9,023 9,444 9,308
Short-Term Debt		 234 - 193 188 183 166 155 131 117 121 116
Long-Term Debt		 173 558 430 299 208 554 376 316 638 176 79
Other Long-Term Liabilities		 311 289 320 325 304 326 326 297 289 337 342
Commitments & Contingencies		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 1,409 1,532 1,543 1,521 1,665 1,691 1,794 1,833 1,866 1,913 1,967
Total Preferred & Common Equity		 1,409 1,532 1,543 1,521 1,665 1,691 1,794 1,833 1,866 1,913 1,967
Preferred Stock		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 1,409 1,532 1,543 1,521 1,665 1,691 1,794 1,833 1,866 1,913 1,967
Common Stock		 1,285 1,286 1,288 1,291 1,294 1,296 1,299 1,303 1,303 1,290 1,262
Retained Earnings		 486 564 587 616 663 686 714 772 801 838 909
Treasury Stock		 6.97 6.92 6.70 6.55 6.61 6.36 6.20 6.22 5.98 5.80 5.84
Accumulated Other Comprehensive Income / (Loss)		 -369 -326 -339 -393 -299 -298 -226 -248 -244 -221 -211

Annual Metrics And Ratios for Banner

This table displays calculated financial ratios and metrics derived from Banner's official financial filings.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Growth Metrics		 - - - - - - - - - - -
Profitability Metrics		 - - - - - - - - - - -
Valuation Ratios		 - - - - - - - - - - -
Leverage & Solvency		 - - - - - - - - - - -
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Efficiency Ratios		 - - - - - - - - - - -
Capital & Investment Metrics		 - - - - - - - - - - -
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $1.90 $2.52 $1.85 $4.16 $4.20 $3.29 $5.81 $5.70 $5.35 $4.90 $5.67
Adjusted Weighted Average Basic Shares Outstanding		 23.80M 33.82M 32.89M 32.78M 34.87M 35.26M 34.61M 34.26M 34.34M 34.47M 34.46M
Adjusted Diluted Earnings per Share		 $1.89 $2.52 $1.84 $4.15 $4.18 $3.26 $5.76 $5.67 $5.33 $4.88 $5.64
Adjusted Weighted Average Diluted Shares Outstanding		 23.87M 33.85M 32.99M 32.89M 34.97M 35.53M 34.92M 34.46M 34.45M 34.63M 34.66M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $4.20 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 34.24M 33.19M 32.73M 35.18M 35.75M 35.16M 34.25M 34.19M 34.35M 34.46M 34.10M
Debt Service Ratios		 - - - - - - - - - - -
Payout Ratios		 - - - - - - - - - - -

Quarterly Metrics And Ratios for Banner

This table displays calculated financial ratios and metrics derived from Banner's official financial filings.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
DEI Shares Outstanding		 - - - - - - - - - - 34,097,856.00
DEI Adjusted Shares Outstanding		 - - - - - - - - - - 34,097,856.00
DEI Earnings Per Adjusted Shares Outstanding		 - - - - - - - - - - 1.60
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 -2.33% -2.04% -7.78% -2.70% -2.56% -7.93% 9.85% 8.09% 10.93% - 5.65%
EBITDA Growth		 -2.61% 1.62% -24.27% -6.80% -8.69% -24.00% 12.55% 9.67% 14.13% - 18.03%
EBIT Growth		 -0.91% 5.35% -24.27% -4.78% -6.86% -23.99% 17.09% 13.11% 18.11% - 20.95%
NOPAT Growth		 -6.55% -21.62% -32.39% 0.52% -1.53% 8.84% 20.17% 14.33% 18.49% - 21.23%
Net Income Growth		 -6.55% -21.62% -32.39% 0.52% -1.53% 8.84% 20.17% 14.33% 18.49% - 21.23%
EPS Growth		 -6.99% -21.52% -32.30% 0.00% -2.26% 8.06% 19.27% 13.91% 18.46% - 23.08%
Operating Cash Flow Growth		 70.51% -16.16% -31.14% 82.07% -10.96% 46.76% 11.22% -30.29% 88.90% - 91.89%
Free Cash Flow Firm Growth		 -134.84% -179.46% 306.40% 12.11% -84.82% 82.09% -349.90% 20.09% 162.08% - 196.60%
Invested Capital Growth		 10.62% 22.65% -1.63% 11.35% 15.77% 5.05% 10.91% 8.71% -4.95% - -5.19%
Revenue Q/Q Growth		 2.36% 7.08% -10.93% -0.34% 2.51% 1.18% 2.81% 1.37% 5.20% - -0.24%
EBITDA Q/Q Growth		 13.31% 14.25% -22.58% -5.77% 11.01% -4.91% 3.31% 0.57% 15.52% - 5.92%
EBIT Q/Q Growth		 15.21% 16.63% -25.06% -5.44% 12.70% -4.82% 4.62% 0.79% 17.68% - 6.98%
NOPAT Q/Q Growth		 15.82% -7.04% -11.88% 5.95% 13.46% 2.74% -2.71% 0.80% 17.60% - 6.77%
Net Income Q/Q Growth		 15.82% -7.04% -11.88% 5.95% 13.46% 2.74% -2.71% 0.80% 17.60% - 6.77%
EPS Q/Q Growth		 15.65% -6.77% -12.10% 5.50% 13.04% 3.08% -2.99% 0.77% 17.56% - 7.38%
Operating Cash Flow Q/Q Growth		 65.66% -5.52% -23.92% 52.89% -18.98% 55.73% -42.35% -4.17% 119.55% - 340.26%
Free Cash Flow Firm Q/Q Growth		 37.31% -150.74% 115.54% -387.27% -31.83% 75.70% -171.53% 8.14% 202.41% - 64.13%
Invested Capital Q/Q Growth		 -7.27% 10.80% -11.30% 17.28% -3.58% 0.54% -2.45% 14.96% -15.70% - -5.31%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 40.94% 43.69% 37.47% 35.43% 38.37% 36.06% 36.23% 35.95% 39.48% - 40.48%
EBIT Margin		 37.92% 41.30% 34.75% 32.97% 36.25% 34.10% 34.70% 34.50% 38.60% - 39.72%
Profit (Net Income) Margin		 29.07% 25.24% 24.97% 26.54% 29.38% 29.83% 28.23% 28.07% 31.38% - 32.39%
Tax Burden Percent		 81.15% 79.94% 80.97% 80.81% 80.98% 79.86% 80.90% 81.23% 81.03% - 81.04%
Interest Burden Percent		 94.46% 76.43% 88.73% 99.62% 100.07% 109.55% 100.57% 100.16% 100.34% - 100.63%
Effective Tax Rate		 18.85% 20.06% 19.03% 19.19% 19.02% 20.14% 19.10% 18.77% 18.97% - 18.96%
Return on Invested Capital (ROIC)		 9.84% 8.05% 7.60% 7.27% 8.45% 7.97% 8.12% 7.10% 9.04% - 9.78%
ROIC Less NNEP Spread (ROIC-NNEP)		 9.84% 8.05% 7.60% 7.27% 8.45% 7.97% 8.12% 7.10% 9.04% - 9.78%
Return on Net Nonoperating Assets (RNNOA)		 3.01% 2.41% 2.26% 3.02% 2.60% 2.64% 1.95% 2.94% 2.02% - 1.65%
Return on Equity (ROE)		 12.85% 10.45% 9.86% 10.29% 11.04% 10.61% 10.07% 10.04% 11.05% - 11.44%
Cash Return on Invested Capital (CROIC)		 0.14% -11.25% 9.64% -3.49% -6.99% 2.48% -2.20% -1.11% 13.48% - 14.56%
Operating Return on Assets (OROA)		 1.54% 1.69% 1.41% 1.32% 1.43% 1.30% 1.37% 1.36% 1.54% - 1.64%
Return on Assets (ROA)		 1.18% 1.03% 1.01% 1.06% 1.15% 1.14% 1.11% 1.11% 1.25% - 1.34%
Return on Common Equity (ROCE)		 12.85% 10.45% 9.86% 10.29% 11.04% 10.61% 10.07% 10.04% 11.05% - 11.44%
Return on Equity Simple (ROE_SIMPLE)		 12.85% 0.00% 9.95% 9.81% 9.21% 0.00% 9.63% 9.76% 9.96% - 10.42%
Net Operating Profit after Tax (NOPAT)		 46 43 38 40 45 46 45 45 54 - 55
NOPAT Margin		 29.07% 25.24% 24.97% 26.54% 29.38% 29.83% 28.23% 28.07% 31.38% - 32.39%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% - 0.00%
SG&A Expenses to Revenue		 51.54% 48.01% 55.32% 56.29% 53.46% 53.92% 53.27% 53.70% 51.06% - 51.75%
Operating Expenses to Revenue		 60.79% 57.20% 64.90% 65.45% 62.65% 63.97% 63.34% 62.54% 59.84% - 60.75%
Earnings before Interest and Taxes (EBIT)		 60 70 52 49 56 53 55 56 66 - 67
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 65 74 56 53 59 56 58 58 67 - 68
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.91 1.06 0.97 1.00 1.14 1.29 1.19 1.18 1.17 - 1.04
Price to Tangible Book Value (P/TBV)		 1.21 1.38 1.26 1.29 1.44 1.63 1.50 1.48 1.46 - 1.29
Price to Revenue (P/Rev)		 2.14 2.73 2.56 2.70 3.27 3.75 3.49 3.46 3.44 - 3.06
Price to Earnings (P/E)		 7.09 9.58 9.76 10.22 12.34 13.53 12.36 12.08 11.79 - 10.01
Dividend Yield		 4.66% 3.75% 4.08% 3.90% 3.25% 2.90% 3.03% 3.02% 2.96% - 3.26%
Earnings Yield		 14.10% 10.44% 10.25% 9.79% 8.11% 7.39% 8.09% 8.28% 8.48% - 9.99%
Enterprise Value to Invested Capital (EV/IC)		 0.81 0.93 0.87 0.90 0.90 1.00 0.96 0.94 0.85 - 0.84
Enterprise Value to Revenue (EV/Rev)		 2.50 3.23 2.85 3.46 3.35 3.85 3.50 3.89 2.87 - 2.70
Enterprise Value to EBITDA (EV/EBITDA)		 6.04 7.70 7.15 8.75 8.62 10.45 9.46 10.47 7.65 - 7.00
Enterprise Value to EBIT (EV/EBIT)		 6.56 8.29 7.69 9.37 9.19 11.15 10.00 10.99 7.96 - 7.19
Enterprise Value to NOPAT (EV/NOPAT)		 8.30 11.31 10.86 13.07 12.65 13.89 12.38 13.58 9.82 - 8.82
Enterprise Value to Operating Cash Flow (EV/OCF)		 6.00 8.08 7.69 8.05 7.99 8.00 7.31 8.99 5.64 - 5.83
Enterprise Value to Free Cash Flow (EV/FCFF)		 610.40 0.00 9.01 0.00 0.00 41.49 0.00 0.00 6.12 - 5.59
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.32 0.35 0.24 0.43 0.30 0.32 0.24 0.40 0.16 - 0.10
Long-Term Debt to Equity		 0.20 0.24 0.13 0.33 0.21 0.32 0.17 0.34 0.09 - 0.04
Financial Leverage		 0.31 0.30 0.30 0.42 0.31 0.33 0.24 0.42 0.22 - 0.17
Leverage Ratio		 10.88 10.13 9.72 9.71 9.56 9.30 9.06 9.07 8.84 - 8.56
Compound Leverage Factor		 10.28 7.74 8.62 9.67 9.57 10.19 9.11 9.08 8.87 - 8.61
Debt to Total Capital		 24.28% 25.72% 19.04% 29.88% 22.84% 24.09% 19.59% 28.82% 13.43% - 9.03%
Short-Term Debt to Total Capital		 9.38% 8.22% 8.92% 6.88% 6.65% 0.00% 5.73% 4.47% 5.45% - 5.35%
Long-Term Debt to Total Capital		 14.89% 17.50% 10.12% 22.99% 16.19% 24.09% 13.86% 24.35% 7.98% - 3.68%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% - 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% - 0.00%
Common Equity to Total Capital		 75.72% 74.28% 80.96% 70.12% 77.16% 75.91% 80.41% 71.18% 86.57% - 90.97%
Debt to EBITDA		 1.81 2.12 1.55 2.91 2.19 2.51 1.93 3.20 1.21 - 0.76
Net Debt to EBITDA		 0.88 1.18 0.72 1.91 0.22 0.27 0.02 1.15 -1.54 - -0.94
Long-Term Debt to EBITDA		 1.11 1.44 0.83 2.24 1.55 2.51 1.37 2.70 0.72 - 0.31
Debt to NOPAT		 2.50 3.12 2.36 4.34 3.22 3.33 2.53 4.15 1.56 - 0.95
Net Debt to NOPAT		 1.21 1.73 1.10 2.85 0.32 0.36 0.03 1.49 -1.97 - -1.19
Long-Term Debt to NOPAT		 1.53 2.12 1.26 3.34 2.28 3.33 1.79 3.50 0.93 - 0.39
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% - 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -147 -368 72 -206 -271 -66 -179 -165 169 - 173
Operating Cash Flow to CapEx		 1,311.30% 0.00% 3,126.73% 8,230.96% 2,105.45% 2,616.76% 58,406.12% 2,261.90% 0.00% - 0.00%
Free Cash Flow to Firm to Interest Expense		 -3.94 -8.12 1.39 -3.64 -4.51 -1.18 -3.39 -2.95 3.02 - 3.63
Operating Cash Flow to Interest Expense		 1.92 1.49 0.99 1.39 1.06 1.78 1.08 0.98 2.16 - 2.31
Operating Cash Flow Less CapEx to Interest Expense		 1.77 1.51 0.96 1.37 1.01 1.71 1.08 0.94 2.21 - 2.32
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04 - 0.04
Fixed Asset Turnover		 4.66 4.75 4.74 4.79 4.76 4.75 5.00 5.22 5.46 - 5.89
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 2,008 2,225 2,056 2,411 2,325 2,337 2,280 2,621 2,210 - 2,162
Invested Capital Turnover		 0.34 0.32 0.30 0.27 0.29 0.27 0.29 0.25 0.29 - 0.30
Increase / (Decrease) in Invested Capital		 193 411 -34 246 317 112 224 210 -115 - -118
Enterprise Value (EV)		 1,621 2,077 1,799 2,168 2,089 2,346 2,185 2,473 1,871 - 1,808
Market Capitalization		 1,385 1,759 1,617 1,695 2,037 2,285 2,180 2,201 2,247 - 2,052
Book Value per Share		 $44.27 $48.12 $48.40 $49.08 $52.06 $51.49 $53.21 $53.95 $55.31 - $57.68
Tangible Book Value per Share		 $33.22 $37.09 $37.41 $38.13 $41.12 $40.57 $42.30 $43.10 $44.47 - $46.70
Total Capital		 2,008 2,225 2,056 2,411 2,325 2,337 2,280 2,621 2,210 - 2,162
Total Debt		 487 572 391 720 531 563 447 755 297 - 195
Total Long-Term Debt		 299 389 208 554 376 563 316 638 176 - 79
Net Debt		 236 318 182 473 52 61 4.74 272 -376 - -244
Capital Expenditures (CapEx)		 5.46 -0.63 1.65 0.96 3.03 3.79 0.10 2.43 -2.90 - -0.53
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 - 0.00
Net Nonoperating Obligations (NNO)		 487 572 391 720 531 563 447 755 297 - 195
Total Depreciation and Amortization (D&A)		 4.77 4.02 4.09 3.68 3.26 3.05 2.45 2.34 1.50 - 1.28
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $1.33 $1.25 $1.09 $1.15 $1.31 $1.35 $1.31 $1.31 $1.55 $1.50 $1.61
Adjusted Weighted Average Basic Shares Outstanding		 34.38M 34.34M 34.39M 34.49M 34.50M 34.47M 34.51M 34.63M 34.49M 34.46M 34.04M
Adjusted Diluted Earnings per Share		 $1.33 $1.24 $1.09 $1.15 $1.30 $1.34 $1.30 $1.31 $1.54 $1.49 $1.60
Adjusted Weighted Average Diluted Shares Outstanding		 34.43M 34.45M 34.52M 34.54M 34.65M 34.63M 34.78M 34.74M 34.66M 34.66M 34.25M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 34.35M 34.35M 34.45M 34.46M 34.46M 34.46M 34.58M 34.58M 34.09M 34.10M 33.97M
Normalized Net Operating Profit after Tax (NOPAT)		 49 56 42 40 45 42 45 45 53 - 54
Normalized NOPAT Margin		 30.77% 33.02% 28.14% 26.64% 29.36% 27.23% 28.07% 28.03% 31.27% - 32.19%
Pre Tax Income Margin		 35.82% 31.57% 30.83% 32.85% 36.28% 37.36% 34.90% 34.56% 38.73% - 39.97%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 1.60 1.54 1.01 0.87 0.93 0.95 1.05 1.00 1.18 - 1.41
NOPAT to Interest Expense		 1.23 0.94 0.73 0.70 0.75 0.83 0.86 0.81 0.96 - 1.15
EBIT Less CapEx to Interest Expense		 1.46 1.55 0.98 0.86 0.88 0.88 1.05 0.96 1.23 - 1.42
NOPAT Less CapEx to Interest Expense		 1.08 0.95 0.69 0.69 0.70 0.76 0.85 0.77 1.01 - 1.16
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 33.43% 36.36% 40.28% 40.17% 40.37% 39.51% 37.87% 36.75% 35.15% - 33.19%
Augmented Payout Ratio		 33.43% 36.36% 40.28% 40.17% 40.37% 39.51% 37.87% 36.75% 43.43% - 56.47%

Financials Breakdown Chart

Key Financial Trends

Banner Corp (BANR) has shown a generally constructive 2025 across the income statement, balance sheet, and cash flows, with revenue and net income growth, solid net interest income, and improving earnings per share. However, there are quarter-specific cash flow dynamics and accumulated other comprehensive income (AOCI) headwinds worth watching.

  • Revenue growth in 2025: Total Revenue rose to 169.31 million in Q4 2025, up from 155.51 million in Q4 2024 (roughly 9% year-over-year).
  • Net income growth: Net Income from continuing operations increased to about 51.25 million in Q4 2025 from 46.39 million in Q4 2024.
  • Strong net interest income: Net Interest Income was 152.45 million in Q4 2025, reflecting robust interest earnings alongside other revenue lines.
  • EPS expansion: Diluted earnings per share rose to 1.49 in Q4 2025 from 1.34 in Q4 2024.
  • Higher cash dividends per share: Cash dividends per share increased to 0.50 in Q4 2025 from 0.48 in earlier quarters of 2025.
  • Credit quality signals: Provision for credit losses declined to about 2.44 million in Q4 2025 from 3.00 million in Q4 2024, indicating improved credit quality headroom.
  • Operating cash flow remains positive: Net cash from continuing operating activities was positive in every 2025 quarter (e.g., 24.95 million in Q4 2025, with higher levels earlier in the year).
  • Balance sheet size and liquidity: Total assets hovered around 16.56–16.63 billion, with deposits totaling roughly 14.0–14.5 billion—indicating a sizable and stable liquidity base.
  • Non-interest income and expense stability: Total non-interest income and total non-interest expense stayed in a relatively stable range quarter-to-quarter, contributing to predictable overall margin dynamics.
  • AOCI headwinds and quarterly cash-flow headwinds: Accumulated Other Comprehensive Income was negative (roughly -221 million to -244 million in 2025), and Q4 2025 showed a negative net change in cash of about -250.2 million and a financing-cash-flow dip of about -268.6 million, signaling near-term headwinds to cash deployment.
05/09/26 12:09 PM ETAI Generated. May Contain Errors.

Banner Financials - Frequently Asked Questions

According to the most recent income statement we have on file, Banner's fiscal year ends in December. Their fiscal year 2025 ended on December 31, 2025.

Banner's net income appears to be on an upward trend, with a most recent value of $195.38 million in 2025, rising from $45.22 million in 2015. The previous period was $168.90 million in 2024. Find out what analysts predict for Banner in the coming months.

Over the last 10 years, Banner's total revenue changed from $305.92 million in 2015 to $661.74 million in 2025, a change of 116.3%.

Banner's total liabilities were at $14.41 billion at the end of 2025, a 0.1% decrease from 2024, and a 69.6% increase since 2015.

In the past 10 years, Banner's cash and equivalents has ranged from $117.66 million in 2015 to $358.46 million in 2021, and is currently $182.77 million as of their latest financial filing in 2025.


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Financial statements for NASDAQ:BANR last updated on 5/8/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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