BANR
Banner Corporation
Banks - Regional
Market Cap$2.20B
5Y Perf.+73.0%
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Stock Comparison
BANR vs WAFD
Revenue, margins, valuation, and 5-year total return — side by side.
WAFD
WaFd, Inc.
Banks - Regional
Market Cap$2.71B
5Y Perf.+37.3%
BANR vs WAFD — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | BANR | WAFD |
|---|---|---|
| Industry | Banks - Regional | Banks - Regional |
| Market Cap | $2.20B | $2.71B |
| Revenue (TTM) | $819M | $1.41B |
| Net Income (TTM) | $195M | $243M |
| Gross Margin | 79.0% | 50.9% |
| Operating Margin | 29.5% | 20.5% |
| Forward P/E | 10.4x | 10.9x |
| Total Debt | $373M | $1.82B |
| Cash & Equiv. | $183M | $657M |
BANR vs WAFD — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
BANR
WAFD
| Stock | May 20 | May 26 | Return |
|---|---|---|---|
| Banner Corporation (BANR) | 100 | 173.0 | +73.0% |
| WaFd, Inc. (WAFD) | 100 | 137.3 | +37.3% |
Price return only. Dividends and distributions are not included.
Quick Verdict: BANR vs WAFD
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: BANR leads in 4 of 7 categories, making it the strongest pick for growth and revenue expansion and valuation and capital efficiency. WaFd, Inc. is the stronger pick specifically for profitability and margin quality and recent price momentum and sentiment. As sector peers, any of these can serve as alternatives in the same allocation.
BANR
Banner Corporation
The Banking Pick
BANR carries the broadest edge in this set and is the clearest fit for income & stability and growth exposure.
- Dividend streak 1 yrs, beta 0.80, yield 3.0%
- Rev growth -0.9%, EPS growth 15.6%
- 101.5% 10Y total return vs WAFD's 85.0%
Best for: income & stability and growth exposure
WAFD
WaFd, Inc.
The Banking Pick
WAFD is the clearest fit if your priority is quality and momentum.
- Efficiency ratio 0.3% vs BANR's 0.5% (lower = leaner)
- +26.7% vs BANR's +7.9%
- Efficiency ratio 0.3% vs BANR's 0.5%
Best for: quality and momentum
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | BANR | -0.9% NII/revenue growth vs WAFD's -1.6% |
| Value | BANR | Lower P/E (10.4x vs 10.9x), PEG 0.90 vs 3.53 |
| Quality / Margins | WAFD | Efficiency ratio 0.3% vs BANR's 0.5% (lower = leaner) |
| Stability / Safety | BANR | Beta 0.80 vs WAFD's 0.81, lower leverage |
| Dividends | BANR | 3.0% yield, 1-year raise streak, vs WAFD's 3.0% |
| Momentum (1Y) | WAFD | +26.7% vs BANR's +7.9% |
| Efficiency (ROA) | WAFD | Efficiency ratio 0.3% vs BANR's 0.5% |
BANR vs WAFD — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
FY 2025
Segment breakdown not available.
BANR vs WAFD — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLBANRLAGGINGWAFD
WAFDWaFd, Inc.
0leads
BANRBanner Corporation
4leads
6 Total Categories
CATEGORYLEADERvs WAFDMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
BANR4/5
Valuation MetricsMultiples, price ratios, and targets
BANR5/7
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
BANR8/8
Total Returns1Y, 3Y, 5Y total returns with dividends
BANR4/6
Risk & VolatilityBeta, volatility, and downside exposure
Tied
—
Analyst OutlookRatings, price targets, and dividends
Tied
—
Income & Cash Flow (Last 12 Months)
BANR leads this category, winning 4 of 5 comparable metrics.
Income & Cash Flow (Last 12 Months)
WAFD is the larger business by revenue, generating $1.4B annually — 1.7x BANR's $819M. BANR is the more profitable business, keeping 23.8% of every revenue dollar as net income compared to WAFD's 16.0%.
| Metric | BANRBanner Corporation | WAFDWaFd, Inc. |
|---|---|---|
| RevenueTrailing 12 months | $819M | $1.4B |
| EBITDAEarnings before interest/tax | $253M | $277M |
| Net IncomeAfter-tax profit | $195M | $243M |
| Free Cash FlowCash after capex | $248M | $226M |
| Gross MarginGross profit ÷ Revenue | +79.0% | +50.9% |
| Operating MarginEBIT ÷ Revenue | +29.5% | +20.5% |
| Net MarginNet income ÷ Revenue | +23.8% | +16.0% |
| FCF MarginFCF ÷ Revenue | +30.3% | +14.8% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | +11.2% | +46.3% |
BANR leads this category, winning 4 of 5 comparable metrics.
Valuation Metrics
BANR leads this category, winning 5 of 7 comparable metrics.
Valuation Metrics
At 11.5x trailing earnings, BANR trades at a 15% valuation discount to WAFD's 13.5x P/E. Adjusting for growth (PEG ratio), BANR offers better value at 0.99x vs WAFD's 4.39x — a lower PEG means you pay less per unit of expected earnings growth.
| Metric | BANRBanner Corporation | WAFDWaFd, Inc. |
|---|---|---|
| Market CapShares × price | $2.2B | $2.7B |
| Enterprise ValueMkt cap + debt − cash | $2.4B | $3.9B |
| Trailing P/EPrice ÷ TTM EPS | 11.52x | 13.50x |
| Forward P/EPrice ÷ next-FY EPS est. | 10.37x | 10.88x |
| PEG RatioP/E ÷ EPS growth rate | 0.99x | 4.39x |
| EV / EBITDAEnterprise value multiple | 9.47x | 12.94x |
| Price / SalesMarket cap ÷ Revenue | 2.69x | 1.93x |
| Price / BookPrice ÷ Book value/share | 1.15x | 0.94x |
| Price / FCFMarket cap ÷ FCF | 8.88x | 13.04x |
BANR leads this category, winning 5 of 7 comparable metrics.
Profitability & Efficiency
BANR leads this category, winning 8 of 8 comparable metrics.
Profitability & Efficiency
BANR delivers a 10.3% return on equity — every $100 of shareholder capital generates $10 in annual profit, vs $8 for WAFD. BANR carries lower financial leverage with a 0.19x debt-to-equity ratio, signaling a more conservative balance sheet compared to WAFD's 0.60x.
| Metric | BANRBanner Corporation | WAFDWaFd, Inc. |
|---|---|---|
| ROE (TTM)Return on equity | +10.3% | +8.0% |
| ROA (TTM)Return on assets | +1.2% | +1.0% |
| ROICReturn on invested capital | +7.7% | +3.9% |
| ROCEReturn on capital employed | +10.1% | +5.7% |
| Piotroski ScoreFundamental quality 0–9 | 7 | 7 |
| Debt / EquityFinancial leverage | 0.19x | 0.60x |
| Net DebtTotal debt minus cash | $190M | $1.2B |
| Cash & Equiv.Liquid assets | $183M | $657M |
| Total DebtShort + long-term debt | $373M | $1.8B |
| Interest CoverageEBIT ÷ Interest expense | 1.11x | 0.48x |
BANR leads this category, winning 8 of 8 comparable metrics.
Total Returns (Dividends Reinvested)
BANR leads this category, winning 4 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in BANR five years ago would be worth $13,055 today (with dividends reinvested), compared to $12,303 for WAFD. Over the past 12 months, WAFD leads with a +26.7% total return vs BANR's +7.9%. The 3-year compound annual growth rate (CAGR) favors BANR at 16.2% vs WAFD's 13.8% — a key indicator of consistent wealth creation.
| Metric | BANRBanner Corporation | WAFDWaFd, Inc. |
|---|---|---|
| YTD ReturnYear-to-date | +5.7% | +11.4% |
| 1-Year ReturnPast 12 months | +7.9% | +26.7% |
| 3-Year ReturnCumulative with dividends | +56.8% | +47.2% |
| 5-Year ReturnCumulative with dividends | +30.5% | +23.0% |
| 10-Year ReturnCumulative with dividends | +101.5% | +85.0% |
| CAGR (3Y)Annualised 3-year return | +16.2% | +13.8% |
BANR leads this category, winning 4 of 6 comparable metrics.
Risk & Volatility
Evenly matched — BANR and WAFD each lead in 1 of 2 comparable metrics.
Risk & Volatility
BANR is the less volatile stock with a 0.80 beta — it tends to amplify market swings less than WAFD's 0.81 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. WAFD currently trades 98.6% from its 52-week high vs BANR's 93.1% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | BANRBanner Corporation | WAFDWaFd, Inc. |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.80x | 0.81x |
| 52-Week HighHighest price in past year | $69.83 | $36.02 |
| 52-Week LowLowest price in past year | $57.05 | $26.31 |
| % of 52W HighCurrent price vs 52-week peak | +93.1% | +98.6% |
| RSI (14)Momentum oscillator 0–100 | 52.2 | 65.2 |
| Avg Volume (50D)Average daily shares traded | 296K | 664K |
Evenly matched — BANR and WAFD each lead in 1 of 2 comparable metrics.
Analyst Outlook
Evenly matched — BANR and WAFD each lead in 1 of 2 comparable metrics.
Analyst Outlook
Wall Street rates BANR as "Hold" and WAFD as "Hold". Consensus price targets imply 7.7% upside for BANR (target: $70) vs -1.4% for WAFD (target: $35). For income investors, BANR offers the higher dividend yield at 3.02% vs WAFD's 2.97%.
| Metric | BANRBanner Corporation | WAFDWaFd, Inc. |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Hold | Hold |
| Price TargetConsensus 12-month target | $70.00 | $35.00 |
| # AnalystsCovering analysts | 13 | 11 |
| Dividend YieldAnnual dividend ÷ price | +3.0% | +3.0% |
| Dividend StreakConsecutive years of raises | 1 | 7 |
| Dividend / ShareAnnual DPS | $1.96 | $1.05 |
| Buyback YieldShare repurchases ÷ mkt cap | +1.6% | +3.8% |
Evenly matched — BANR and WAFD each lead in 1 of 2 comparable metrics.
Key Takeaway
BANR leads in 4 of 6 categories — strongest in Income & Cash Flow and Valuation Metrics. 2 categories are tied.
Best OverallBanner Corporation (BANR)Leads 4 of 6 categories
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BANR vs WAFD: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is BANR or WAFD a better buy right now?
For growth investors, Banner Corporation (BANR) is the stronger pick with -0.
9% revenue growth year-over-year, versus -1. 6% for WaFd, Inc. (WAFD). Banner Corporation (BANR) offers the better valuation at 11. 5x trailing P/E (10. 4x forward), making it the more compelling value choice. Analysts rate Banner Corporation (BANR) a "Hold" — based on 13 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which has the better valuation — BANR or WAFD?
On trailing P/E, Banner Corporation (BANR) is the cheapest at 11.
5x versus WaFd, Inc. at 13. 5x. On forward P/E, Banner Corporation is actually cheaper at 10. 4x. The PEG ratio (P/E divided by earnings growth rate) is the most growth-adjusted single valuation metric: Banner Corporation wins at 0. 90x versus WaFd, Inc. 's 3. 53x — a PEG below 1. 0 traditionally signals the market is underpricing earnings growth.
03Which is the better long-term investment — BANR or WAFD?
Over the past 5 years, Banner Corporation (BANR) delivered a total return of +30.
5%, compared to +23. 0% for WaFd, Inc. (WAFD). Over 10 years, the gap is even starker: BANR returned +101. 5% versus WAFD's +85. 0%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
04Which is safer — BANR or WAFD?
By beta (market sensitivity over 5 years), Banner Corporation (BANR) is the lower-risk stock at 0.
80β versus WaFd, Inc. 's 0. 81β — meaning WAFD is approximately 2% more volatile than BANR relative to the S&P 500. On balance sheet safety, Banner Corporation (BANR) carries a lower debt/equity ratio of 19% versus 60% for WaFd, Inc. — giving it more financial flexibility in a downturn.
05Which is growing faster — BANR or WAFD?
By revenue growth (latest reported year), Banner Corporation (BANR) is pulling ahead at -0.
9% versus -1. 6% for WaFd, Inc. (WAFD). On earnings-per-share growth, the picture is similar: Banner Corporation grew EPS 15. 6% year-over-year, compared to 5. 2% for WaFd, Inc.. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.
06Which has better profit margins — BANR or WAFD?
Banner Corporation (BANR) is the more profitable company, earning 23.
8% net margin versus 16. 0% for WaFd, Inc. — meaning it keeps 23. 8% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: BANR leads at 29. 5% versus 20. 5% for WAFD. At the gross margin level — before operating expenses — BANR leads at 79. 0%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
07Is BANR or WAFD more undervalued right now?
The PEG ratio (forward P/E divided by expected earnings growth rate) is the most precise measure of undervaluation relative to growth potential.
By this metric, Banner Corporation (BANR) is the more undervalued stock at a PEG of 0. 90x versus WaFd, Inc. 's 3. 53x. A PEG below 1. 0 is traditionally considered the threshold for growth-adjusted undervaluation. On forward earnings alone, Banner Corporation (BANR) trades at 10. 4x forward P/E versus 10. 9x for WaFd, Inc. — 0. 5x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for BANR: 7. 7% to $70. 00.
08Which pays a better dividend — BANR or WAFD?
All stocks in this comparison pay dividends.
Banner Corporation (BANR) offers the highest yield at 3. 0%, versus 3. 0% for WaFd, Inc. (WAFD).
09Is BANR or WAFD better for a retirement portfolio?
For long-horizon retirement investors, Banner Corporation (BANR) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0.
80), 3. 0% yield, +101. 5% 10Y return). Both have compounded well over 10 years (BANR: +101. 5%, WAFD: +85. 0%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
10What are the main differences between BANR and WAFD?
Both stocks operate in the Financial Services sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both.
These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
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Revenue Growth>
%
(BANR: -0.9% · WAFD: -1.6%)Net Margin>
%
(BANR: 23.8% · WAFD: 16.0%)P/E Ratio<
x
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