Since December 2025, Banner Bank has been in a holding pattern, posting a small loss of 2.1% while floating around $65.43. The stock also fell short of the S&P 500’s 7.5% gain during that period.
Is now the time to buy Banner Bank, or should you be careful about including it in your portfolio? Get the full breakdown from our expert analysts, it’s free.
Why Is Banner Bank Not Exciting?
We’re sitting this one out for now. Here are three reasons we avoid BANR, plus one stock we’d rather own.
1. Long-Term Revenue Growth Disappoints
Two primary revenue streams drive bank earnings. While net interest income, which is earned by charging higher rates on loans than paid on deposits, forms the foundation, fee-based services across banking, credit, wealth management, and trading operations provide additional income.
Regrettably, Banner Bank’s revenue grew at a sluggish 3.1% compounded annual growth rate over the last five years. This fell short of our benchmark for the banking sector.
2. Net Interest Income Points to Soft Demand
While banks generate revenue from multiple sources, investors view net interest income as a cornerstone — its predictable, recurring characteristics stand in sharp contrast to the volatility of one-time fees.
Banner Bank’s net interest income has grown at a 4.5% annualized rate over the last five years, much worse than the broader banking industry. Its growth was driven by both an increase in its outstanding loans and net interest margin, which represents how much a bank earns in relation to its outstanding loan book.
3. EPS Barely Growing
We track the long-term change in earnings per share (EPS) because it highlights whether a company’s growth is profitable.
Banner Bank’s EPS grew at 7.9% compounded annual growth rate over the last five years. On the bright side, this performance was better than its 3.1% annualized revenue growth and tells us the company became more profitable on a per-share basis as it expanded.
Final Judgment
Banner Bank isn’t a terrible business, but it doesn’t pass our quality test. With its shares trailing the market in recent months, the stock trades at 1.1× forward P/B (or $65.43 per share). This valuation multiple is fair, but we don’t have much faith in the company. We’re pretty confident there are superior stocks to buy right now. We’d suggest looking at an all-weather company that owns household favorite Taco Bell.
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