Banner Corporation (BANR) Financial Ratios
31 years of historical data (1995–2025) · Financial Services · Banks - Regional
EV/EBITDA
↑
9.47
+17% vs avg
5yr avg: 8.10
30Y Low2.1·High37.3
P/FCF
↑
8.88
+7% vs avg
5yr avg: 8.32
30Y Low0.8·High101.7
P/B Ratio
↓
1.15
-8% vs avg
5yr avg: 1.26
30Y Low0.1·High2.2
ROE
↓
10.5%
-7% vs avg
5yr avg: 11.3%
30Y Low-29%·High13%
Debt/EBITDA
↓
1.48
↓-34% vs avg
5yr avg: 2.22
30Y Low1.1·High30.7
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
BANR Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
Banner Corporation trades at 11.5x earnings, roughly in line with its 5-year average of 11.3x, sitting at the 23rd percentile of its historical range. Compared to the Financial Services sector median P/E of 13.3x, the stock trades at a discount of 14%. On a free-cash-flow basis, the stock trades at 8.9x P/FCF, 7% above the 5-year average of 8.3x.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $2.2B | $2.2B | $2.3B | $1.8B | $2.2B | $2.1B | $1.7B | $2.0B | $1.8B | $1.8B | $1.9B |
| Enterprise Value | $2.4B | $2.3B | $2.4B | $2.3B | $2.4B | $577M | $1.0B | $2.4B | $2.3B | $1.8B | $1.9B |
| P/E Ratio → | 11.52 | 11.11 | 13.68 | 10.05 | 11.15 | 10.53 | 14.29 | 13.54 | 12.89 | 29.96 | 22.15 |
| P/S Ratio | 2.69 | 2.63 | 2.79 | 2.49 | 3.39 | 3.36 | 2.60 | 3.19 | 3.20 | 3.72 | 4.00 |
| P/B Ratio | 1.15 | 1.11 | 1.30 | 1.12 | 1.50 | 1.25 | 0.99 | 1.24 | 1.19 | 1.43 | 1.45 |
| P/FCF | 8.88 | 8.70 | 8.27 | 7.61 | 9.75 | 7.28 | 14.70 | 15.84 | 229.03 | 5.44 | — |
| P/OCF | 8.55 | 8.37 | 7.89 | 7.17 | 9.15 | 7.02 | 13.20 | 13.23 | 57.16 | 5.24 | — |
P/E links to full P/E history page with 30-year chart
BANR EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
Banner Corporation's enterprise value stands at 9.5x EBITDA, 17% above its 5-year average of 8.1x. The Financial Services sector median is 11.4x, placing the stock at a 17% discount on an enterprise-value basis.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 2.86 | 2.92 | 3.11 | 3.80 | 0.91 | 1.62 | 3.81 | 4.11 | 3.59 | 4.02 |
| EV / EBITDA | 9.47 | 9.29 | 10.50 | 9.27 | 9.30 | 2.13 | 6.12 | 11.31 | 12.13 | 10.17 | 12.63 |
| EV / EBIT | 9.91 | 9.72 | 11.54 | 10.15 | 10.16 | 2.34 | 7.23 | 12.90 | 13.69 | 11.58 | 14.63 |
| EV / FCF | — | 9.46 | 8.65 | 9.50 | 10.96 | 1.98 | 9.15 | 18.88 | 294.27 | 5.24 | — |
BANR Profitability
Margins and return-on-capital ratios measuring operating efficiency
Banner Corporation earns an operating margin of 29.5%, above the Financial Services sector average of 21.4%. Operating margins have compressed from 30.6% to 29.5% over the past 3 years, signaling potential cost pressures or competitive headwinds. ROE of 10.5% is modest. ROIC of 7.7% represents adequate returns on invested capital versus a sector median of 5.7%.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 79.0% | 79.0% | 72.0% | 81.6% | 95.4% | 101.6% | 83.4% | 89.2% | 92.5% | 94.4% | 95.2% |
| Operating Margin | 29.5% | 29.5% | 25.3% | 30.6% | 37.4% | 39.1% | 22.4% | 29.6% | 30.0% | 31.0% | 27.5% |
| Net Profit Margin | 23.8% | 23.8% | 20.4% | 24.8% | 30.4% | 31.9% | 18.2% | 23.6% | 24.8% | 12.4% | 18.1% |
Return on Capital
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 10.5% | 10.5% | 9.9% | 11.8% | 12.4% | 12.0% | 7.1% | 9.5% | 9.9% | 4.7% | 6.6% |
| ROA | 1.2% | 1.2% | 1.1% | 1.2% | 1.2% | 1.3% | 0.8% | 1.2% | 1.3% | 0.6% | 0.9% |
| ROIC | 7.7% | 7.7% | 6.6% | 7.9% | 8.5% | 8.1% | 4.7% | 6.1% | 6.7% | 7.5% | 6.1% |
| ROCE | 10.1% | 10.1% | 8.3% | 10.7% | 12.5% | 11.7% | 6.6% | 8.4% | 9.2% | 10.4% | 8.5% |
BANR Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
Banner Corporation carries a Debt/EBITDA ratio of 1.5x, which is manageable (64% below the sector average of 4.1x). Net debt stands at $190M ($373M total debt minus $183M cash). Interest coverage of just 1.1x is concerning — the company has limited headroom to absorb earnings volatility before struggling with debt service.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.19 | 0.19 | 0.34 | 0.43 | 0.35 | 0.35 | 0.37 | 0.43 | 0.52 | 0.15 | 0.20 |
| Debt / EBITDA | 1.48 | 1.48 | 2.63 | 2.87 | 1.95 | 2.19 | 3.62 | 3.30 | 4.15 | 1.13 | 1.70 |
| Net Debt / Equity | — | 0.10 | 0.06 | 0.28 | 0.18 | -0.91 | -0.38 | 0.24 | 0.34 | -0.05 | 0.01 |
| Net Debt / EBITDA | 0.75 | 0.75 | 0.45 | 1.85 | 1.02 | -5.70 | -3.71 | 1.82 | 2.69 | -0.39 | 0.05 |
| Debt / FCF | — | 0.77 | 0.37 | 1.89 | 1.20 | -5.30 | -5.55 | 3.04 | 65.24 | -0.20 | — |
| Interest Coverage | 1.11 | 1.11 | 0.93 | 1.81 | 12.42 | 10.44 | 3.76 | 3.22 | 5.06 | 7.86 | 7.90 |
BANR Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
The current ratio of 0.02x is below 1.0, meaning current liabilities exceed current assets.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 0.02 | 0.02 | 0.04 | 0.02 | 0.22 | 0.39 | 0.28 | 0.18 | 0.20 | 0.15 | 0.13 |
| Quick Ratio | 0.02 | 0.02 | 0.04 | 0.02 | 0.22 | 0.39 | 0.28 | 0.18 | 0.20 | 0.15 | 0.13 |
| Cash Ratio | 0.01 | 0.01 | 0.04 | 0.02 | 0.02 | 0.14 | 0.10 | 0.03 | 0.03 | 0.03 | 0.03 |
| Asset Turnover | — | 0.05 | 0.05 | 0.05 | 0.04 | 0.04 | 0.04 | 0.05 | 0.05 | 0.05 | 0.05 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
BANR Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Banner Corporation returns 4.6% to shareholders annually — split between a 3.0% dividend yield and 1.6% buyback yield. The payout ratio of 34.6% is conservative, leaving significant room for dividend growth or reinvestment. The earnings yield of 8.7% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | 3.0% | 3.1% | 2.9% | 3.6% | 2.8% | 2.7% | 5.7% | 2.8% | 3.4% | 3.6% | 1.5% |
| Payout Ratio | 34.6% | 34.6% | 39.5% | 36.4% | 31.3% | 28.7% | 81.2% | 38.3% | 43.4% | 108.2% | 33.1% |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 8.7% | 9.0% | 7.3% | 10.0% | 9.0% | 9.5% | 7.0% | 7.4% | 7.8% | 3.3% | 4.5% |
| FCF Yield | 11.3% | 11.5% | 12.1% | 13.1% | 10.3% | 13.7% | 6.8% | 6.3% | 0.4% | 18.4% | — |
| Buyback Yield | 1.6% | 1.6% | 0.1% | 0.2% | 0.5% | 2.7% | 1.9% | 2.7% | 2.0% | 1.7% | 2.7% |
| Total Shareholder Yield | 4.6% | 4.8% | 3.0% | 3.8% | 3.3% | 5.4% | 7.6% | 5.6% | 5.3% | 5.3% | 4.2% |
| Shares Outstanding | — | $34M | $35M | $34M | $34M | $35M | $36M | $35M | $33M | $33M | $34M |
Peer Comparison
Compare BANR with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 BANRYou | $2B | 11.5 | 9.5 | 8.9 | 79.0% | 29.5% | 10.5% | 7.7% | 1.5 |
 COLB | $7B | 12.9 | 11.8 | 10.0 | 67.7% | 23.4% | 8.5% | 5.4% | 4.5 |
 WAFD | $3B | 13.5 | 12.9 | 13.0 | 50.9% | 20.5% | 7.5% | 3.9% | 6.1 |
 HFWA | $936M | 14.0 | 11.6 | 10.9 | 72.4% | 23.2% | 7.6% | 5.2% | 0.5 |
 NWBI | $2B | 15.3 | 13.7 | 14.5 | 68.3% | 18.8% | 7.2% | 5.6% | 2.7 |
 GBCI | $6B | 24.5 | 24.4 | 18.2 | 69.0% | 22.9% | 6.4% | 3.5% | 7.9 |
 CVBF | $3B | 13.5 | 13.0 | 12.8 | 79.9% | 43.8% | 9.3% | 6.8% | 3.5 |
 BOKF | $10B | 16.6 | 17.4 | 7.3 | 57.1% | 19.8% | 9.8% | 4.1% | 5.8 |
 WTFC | $10B | 13.0 | 11.7 | 11.1 | 62.2% | 26.4% | 12.1% | 7.5% | 3.7 |
 IBCP | $690M | 10.3 | 9.3 | 9.8 | 69.6% | 25.8% | 14.3% | 10.2% | 1.4 |
 SFNC | $3B | -7.3 | — | 6.9 | 5.8% | -84.2% | -11.4% | -9.1% | — |
| Financial Services Median | — | 13.3 | 11.4 | 10.6 | 62.9% | 21.4% | 9.5% | 5.7% | 4.1 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
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Start ComparisonBANR — Frequently Asked Questions
Quick answers to the most common questions about buying BANR stock.
What is Banner Corporation's P/E ratio?
Banner Corporation's current P/E ratio is 11.5x. The historical average is 17.1x. This places it at the 23th percentile of its historical range.
What is Banner Corporation's EV/EBITDA?
Banner Corporation's current EV/EBITDA is 9.5x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 17.9x.
What is Banner Corporation's ROE?
Banner Corporation's return on equity (ROE) is 10.5%. The historical average is 5.8%.
Is BANR stock overvalued?
Based on historical data, Banner Corporation is trading at a P/E of 11.5x. This is at the 23th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
What is Banner Corporation's dividend yield?
Banner Corporation's current dividend yield is 3.02% with a payout ratio of 34.6%.
What are Banner Corporation's profit margins?
Banner Corporation has 79.0% gross margin and 29.5% operating margin. Operating margin above 20% indicates strong pricing power and cost efficiency.
How much debt does Banner Corporation have?
Banner Corporation's Debt/EBITDA ratio is 1.5x, indicating moderate leverage. A ratio below 2x is generally considered financially healthy.