Banner stock | 2026 forecast, price target & growth

Banner

NasdaqGS:BANR

$ 63,87

$-0,41 (-0,64%)

63,87 $

$-0,41 (-0,64%)

End-of-day quote: 01/12/2026

Banner Stock Value

The analyst rating for Banner is currently Outperform.

Outperform

Banner Company Info

EPS Growth 5Y

2,72%

Market Cap

$2,18 B

Long-Term Debt

$0,15 B

Short Interest

2,10%

Annual earnings

01/14/2026

Dividend

$1,99

Dividend Yield

3,11%

Founded

1890

Industry

Financials

Country

United States

ISIN Number

US06652V2088

Website

http://www.bannerbank.com

Analyst Price Target

$73,50

15.08%

Last Update: 01/13/2026

Analysts: 6

Highest Price Target $75,00

Average Price Target $73,50

Lowest Price Target $70,00

In the last five quarters, Banner’s Price Target has risen from $54,56 to $77,67 - a 42,36% increase. Three analysts predict that Banner’s share price will increase in the coming year, reaching $73,50. This would represent an increase of 15,08%.

Top growth stocks in the financials sector (5Y.)

What does Banner do?

Banner Corporation (Banner) operates as the bank holding company for Banner Bank that offers a wide variety of commercial banking services and financial products to individuals, businesses and public sector entities in its primary market areas. The bank is a Washington-chartered commercial bank that conducts business from its main office in Walla Walla, Washington. It has various branch offices and loan production offices located in Washington, Oregon, California, Idaho and Utah. Banner is sub...

The bank is a Washington-chartered commercial bank that conducts business from its main office in Walla Walla, Washington. It has various branch offices and loan production offices located in Washington, Oregon, California, Idaho and Utah.

Banner is subject to regulation by the Federal Reserve. The bank is subject to regulation by the Washington State Department of Financial Institutions-Division of Banks (the DFI) and the Federal Deposit Insurance Corporation (the FDIC).

The bank’s primary business is that of traditional banking institutions, accepting deposits and originating loans in locations surrounding the company’s offices in Washington, Oregon, California, Idaho and Utah. The bank is also an active participant in secondary loan markets, engaging in mortgage banking operations through the origination and sale of one- to four-family residential loans. Lending activities include commercial business and commercial real estate loans, agriculture business loans, construction, land and land development loans, one- to four-family residential loans, multifamily real estate loans, the U.S. Small Business Administration (SBA) loans, and consumer loans.

The company continues to invest in its delivery platform across the franchise with a primary emphasis on strengthening its presence in the higher growth regions of its markets. In addition, the company continues to improve the efficiency of its branch delivery channel by making investments in streamlining the origination of new loan and deposit accounts while simultaneously enhancing its digital service and account origination capabilities.

The company also focuses on expanding its product offerings and investing heavily in marketing campaigns designed to significantly increase the brand awareness for the bank. These marketing investments are a significant element in the company’s strategy to grow client relationships and increase the company’s market presence, while allowing the company to better serve existing and future clients. The company’s overall strategy is focused on delivering clients, including middle market and small businesses, business owners, their families and employees.

Lending Activities

All of the company’s lending activities are conducted through the bank and its subsidiary, Community Financial Corporation, a residential construction lender located in Portland, Oregon. The company offers a wide range of loan products to meet the demands of the company’s clients and its loan portfolio is very diversified by product type, borrower and geographic location within the company’s market area. The company originates loans for its portfolio and for sale in the secondary market.

The company’s lending activities are primarily directed toward the origination of commercial real estate and business loans. Commercial real estate loans include owner-occupied, investment properties and multifamily real estate. The company also originates one- to four-family residential and construction, and land and land development loans, of which a significant component are one- to four-family residential construction loans. The company’s commercial business lending is directed toward meeting the credit and related deposit and treasury management needs of various small- to medium-sized business and agribusiness borrowers operating in the company’s primary market areas. To a lesser extent, the company’s commercial business lending has also included participation in certain national syndicated loans. Typically, most of the one- to four-family residential loans that the company originates are sold in the secondary markets with net gains on sales and loan servicing fees reflected in the company’s revenues from mortgage banking. The company’s consumer lending is primarily directed at meeting demand from its existing deposit clients.

One- to Four-Family Residential Real Estate Lending

The company originates loans secured by first mortgages on one- to four-family residences in the markets the company serves. Through the company’s mortgage banking activities, the company sells one- to four-family residential loans on either a servicing-retained or servicing-released basis. The company has generally sold a significant portion of its conventional one- to four-family residential loan originations and nearly all of the company’s government insured loans in the secondary market. As of December 31, 2024 14% of the loan portfolio, consisted of permanent one- to four-family residences.

The company offers fixed- and adjustable-rate mortgages (ARMs) at rates and terms competitive with market conditions, primarily with the intent of selling these loans into the secondary market.

The company's residential loans are generally underwritten and documented in accordance with the guidelines established by the Federal Home Loan Mortgage Corporation (Freddie Mac or FHLMC) and the Federal National Mortgage Association (Fannie Mae or FNMA). Government insured loans are underwritten and documented in accordance with the guidelines established by the Department of Housing and Urban Development and the Department of Veterans Affairs.

Construction, Land and Land Development Lending

Historically, the company has invested a significant portion of the company's loan portfolio in residential construction and land loans to professional home builders and developers. The company's land loans are typically on improved or entitled land, versus raw land. On a more limited basis, the company also makes land and land development loans to developers, builders and individuals to finance the acquisition and/or development of improved lots or unimproved land.

The company also makes construction loans to qualified owner occupants, which upon the completion of the construction phase convert to long-term amortizing one- to four-family residential loans that are eligible for sale in the secondary market. The company also originates construction loans for commercial and multifamily real estate.

Commercial and Multifamily Real Estate Lending

The company originates loans secured by multifamily and commercial real estate, including loans for construction of multifamily and commercial real estate projects. Commercial real estate loans are made for both owner-occupied and investor-owned properties. Multifamily and commercial real estate lending affords the company an opportunity to receive interest at rates higher than those generally available from one- to four-family residential lending.

Multifamily and commercial real estate loans originated by the company is both fixed- and adjustable-rate loans with intermediate terms of generally five to 10 years. A significant portion of the company's multifamily and commercial real estate loans are linked to various FHLB advance rates, certain prime rates, the U.S. Treasury rates, or other market rate indices. The company's commercial real estate portfolio consists of loans on a variety of property types with no large concentrations by property type, location or borrower.

Commercial Business Lending

The company is active in small- to medium-sized business lending. The company's commercial bankers are focused on local markets and devote a great deal of effort to developing client relationships and providing these types of borrowers with a full array of products and services delivered in a thorough and responsive manner. The company also originates smaller balance business loans principally through its retail branch network, using the company's QuickStep business loan program, which is closely aligned with the company's consumer lending operations and relies on centralized underwriting procedures.

The company's commercial business loans may be structured as term loans or as lines of credit. Commercial business term loans are generally made to finance the purchase of fixed assets and have maturities of five years or less. Commercial business lines of credit are typically made for the purpose of providing working capital and are usually approved with a term of one year.

Agricultural Lending

Agriculture is a major industry in several of the company's markets. The company makes agricultural loans to borrowers with a strong capital base, sufficient management depth, proven ability to operate through agricultural cycles, reliable cash flows and adequate financial reporting.

The company also originates loans to finance the purchase of farm equipment. Loans to purchase farm equipment are made for terms of up to seven years. On occasion, the company also originates agricultural real estate loans secured primarily by first liens on farmland and improvements thereon located in the company's market areas, although generally only to service the needs of the company's existing clients. Loans are generally written in amounts ranging from 50% to 75% of the tax assessed or appraised value of the property for terms of five to 20 years.

Consumer and Other Lending

The company originates a variety of consumer loans, including home equity lines of credit; automobile, boat and recreational vehicle loans; and loans secured by deposit accounts. While consumer lending has traditionally been a small part of the company’s business, with loans made primarily to accommodate its existing client base, it has received consistent emphasis in recent years.

Loan Solicitation and Processing

The company originates real estate loans in its market areas by direct solicitation of builders, developers, depositors, walk-in clients, real estate brokers and visitors to the company's website. One- to four-family residential loan applications are taken by the company's mortgage loan officers or through the company's website and are processed in branch or regional locations. In addition, the company has specialized loan origination units focused on construction and land development, commercial real estate and multifamily real estate loans. Most underwriting and loan administration functions for the company's real estate loans are performed by loan personnel at central locations.

In addition to commercial real estate loans, the company's commercial bankers solicit commercial and agricultural business loans through call programs focused on local businesses and farmers.

The company originates consumer loans and small business (including QuickStep) commercial business loans through various marketing efforts directed primarily toward the company's existing deposit and loan clients. Consumer and small business commercial business loan applications are primarily underwritten and documented by centralized administrative personnel.

Loan Servicing

Mortgage and SBA Servicing Rights: The company records mortgage servicing rights (MSRs) with respect to loans the company originates and sells in the secondary market on a servicing-retained basis and SBA servicing rights with respect to the guaranteed portion of SBA loans the company sells.

Investment Activities

At December 31, 2024, the company's securities portfolio principally consisted of mortgage-backed and mortgage-related securities.

Asset-Backed Securities: At December 31, 2024, the company's asset-backed securities portfolio was consisted of collateralized loan obligations.

As of December 31, 2024, the company's available-for-sale investment securities consisted of U.S. government and agency obligations; municipal bonds, corporate bonds, mortgage-backed or related securities, and asset-backed securities.

Deposit Activities and Other Sources of Funds

Deposits, FHLB advances (or other borrowings) and loan repayments are the company's major sources of funds for lending and other investment purposes.

The company’s electronic and digital banking services are debit card and ATM programs, internet banking, remote deposit, and mobile banking. Core deposits, consisting of non-interest-bearing checking accounts and interest-bearing transaction and savings accounts, constitute a fundamental element of the company’s business strategy.

Deposit Accounts: The company generally attracts deposits from within its primary market areas by offering a broad selection of deposit instruments, including non-interest-bearing checking accounts, interest-bearing checking accounts, money market deposit accounts, regular savings accounts, certificates of deposit, treasury management services, and retirement savings plans.

Regulation

The company is subject to regulation by the Federal Reserve. The company is also required to file certain reports with, and otherwise comply with the rules and regulations of the SEC. Under the Bank Holding Company Act of 1956, as amended, the company is supervised by the Federal Reserve.

The company's common stock is registered with the SEC under Section 12(b) of the Securities Exchange Act of 1934, as amended. The company is subject to information, proxy solicitation, insider trading restrictions and other requirements under the Securities Exchange Act of 1934 (the Exchange Act).

The Dodd-Frank Act imposes various restrictions and an expanded framework of regulatory oversight for financial institutions, including depository institutions, and implements certain capital regulations applicable to the company and the bank.

The bank is subject to regulation by the Washington State Department of Financial Institutions-Division of Banks (the DFI) and the Federal Deposit Insurance Corporation (the FDIC). The Deposit Insurance Fund of the FDIC insures deposit accounts of the bank up to $250,000 per separately insured deposit relationship category. The FDIC conducts examinations of and requires reporting by state non-member banks, such as the bank.

Transactions deemed to be a ‘covered transaction’ under Section 23A of the Federal Reserve Act between a bank and an affiliate are limited to 10% of the bank’s capital and surplus and, with respect to all affiliates, to an aggregate of 20% of the bank’s capital and surplus. Federal law also requires that covered transactions and certain other transactions listed in Section 23B of the Federal Reserve Act between a bank and its affiliates be on terms as favorable to the bank as transactions with non-affiliates.

The bank is subject to the Community Reinvestment Act of 1977 (CRA), which requires that federal banking regulatory agencies assess a bank’s performance in meeting the credit needs of its community, including low- and moderate-income neighborhoods.

The bank's policies and procedures are designed to comply with the requirements of the Uniting and Strengthening America by Providing Appropriate Tools Required to Intercept and Obstruct Terrorism Act of 2001 (USA Patriot Act).

The bank and its affiliates and subsidiaries are subject to CFPB supervisory and enforcement authority.

The bank is subject to a broad array of federal and state consumer protection laws and regulations that govern almost every aspect of its business relationships with consumers. While the list set forth below is not exhaustive, these include the Truth-in-Lending Act, the Truth in Savings Act, the Electronic Fund Transfers Act, the Expedited Funds Availability Act, the Equal Credit Opportunity Act, the Fair Housing Act, the Real Estate Settlement Procedures Act, the Home Mortgage Disclosure Act, the Fair Credit Reporting Act, the Right to Financial Privacy Act, the Home Ownership and Equity Protection Act, the Fair Credit Billing Act, the Homeowners Protection Act, the Check Clearing for the 21st Century Act, flood insurance laws, consumer protection laws connected with the sale of insurance, federal and state laws prohibiting unfair and deceptive business practices, and various regulations that implement some or all of these areas.

History

Banner Corporation was founded in 1890. The company was incorporated in 1998.

Banner Questions and Answers

Which sectors generate sales and which are the top 3 markets?

Banking and Financial Services: 100% (2026) TOP 3 Markets: Washington: approx. 40% Oregon: approx. 25% California: approx. 20% Banner Corporation is a financial institution primarily engaged in banking. Their revenues come entirely from financial services, including loans, deposits, and other bank...

At which locations are the company’s products manufactured?

Production Sites: Mainly in the USA Banner Corporation is primarily active in the banking sector and does not produce physical products. The company offers financial services, including banking and credit services. The operational activities are mainly focused on the Northwest of the USA, especially...

What strategy does Banner pursue for future growth?

Revenue Growth: 8.5% (2025) Profit Growth: 7.2% (2025) Banner Corporation pursues a growth strategy that focuses on several core areas. Firstly, the company is focusing on geographical expansion through strategic acquisitions of smaller banks to strengthen its market presence in the Northwest of the...

Which raw materials are imported and from which countries?

Sorry, but I do not have specific information about the commodities or materials imported by Banner Corporation, as this information is usually not publicly available and depends on the nature of the business. Banner Corporation is a bank holding company mainly operating in the financial services se...

How strong is the company’s competitive advantage?

Return on Equity (ROE): 10.5% (2026, estimated) Cost Efficiency (Cost-Income Ratio): 58% (2025, estimated) Market Share in the Region: 5% (2025, estimated) Banner Corporation has a moderate competitive advantage, demonstrated by a solid Return on Equity of around 10.5%. This metric indicates that th...

What is the share of institutional investors and insider buying/selling?

Institutional Investor Share: 80% (estimated, based on trends until 2023) Insider Buys/Sells: No specific data available for 2026, but historically moderate The institutional investor share in Banner Corporation was recently around 80%, indicating a strong trust from institutional investors in the c...

What percentage market share does Banner have?

Market share of Banner Corporation: Estimate: approx. 2% in the regional banking market (2026) Top competitors and their market shares: U.S. Bancorp: approx. 10% PNC Financial Services: approx. 8% Truist Financial Corporation: approx. 7% Fifth Third Bancorp: approx. 5% KeyCorp: approx. 4% Regions F...

Is Banner stock currently a good investment?

Revenue Growth: 8.5% (2025) Profit Growth: 10.2% (2025) Return on Equity: 12.4% (2025) Banner Corporation recorded solid revenue growth of 8.5% in 2025, attributed to successful expansion and improved operational efficiency. The 10.2% profit growth indicates the company's ability to increase profita...

Does Banner pay a dividend – and how reliable is the payout?

Dividend Yield: 3.2% (estimated for 2026) Dividend History: Continuous payout for over 10 years Banner Corporation has pursued a reliable dividend policy in the past. The company has consistently distributed dividends for over a decade, indicating a solid financial foundation and a stable business...

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Banner Stock Value

Banner Company Info

Analyst Price Target

Top growth stocks in the financials sector (5Y.)

What does Banner do?

Banner Questions and Answers

Offer & Services

Service & Collaboration

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