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Banner Corp. (BANR)
NASDAQ:BANR
Earnings Data
Report Date
Apr 22, 2026After Close (Confirmed)
Period Ending
2026 (Q1)Consensus EPS Forecast
1.36Last Year’s EPS
1.3Same Quarter Last Year
Based on 3 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call emphasized strong year-over-year financial improvement (higher full-year net income and EPS, core earnings growth, improved capital metrics, dividend and buybacks, and multiple external recognitions) and solid credit reserve coverage. Near-term challenges include limited sequential loan growth driven by prepayments and lower line utilization, modest upticks in delinquencies and adversely classified loans, some one-time expense items and sensitivity of net interest margin to potential Fed rate cuts. Management views the bank as well-capitalized and positioned for mid-single-digit loan growth in 2026 if the economy holds.Company Guidance
Quarterly and Full-Year Profitability
Net income available to common shareholders of $51.2M in Q4 2025 ($1.49 diluted EPS) and full-year net income of $195.4M ($5.64 diluted EPS) versus $168.9M ($4.88 EPS) in 2024, reflecting a meaningful year-over-year improvement in profitability.
Core Earnings and Revenue Growth
Core pretax pre-provision earnings of $255M for full-year 2025 versus $223.2M in 2024 (+14% Y/Y). Full-year 2025 core revenue of $661M versus $615M in 2024 (+8% Y/Y). Q4 2025 core revenue $170M (up from $160M in Q4 2024).
Net Interest Income and Margin Strength
Full-year increase in net interest income of ~8.5% YoY. Q4 tax-equivalent net interest margin of 4.03% versus 3.98% in prior quarter; NII increased $2.5M sequentially driven by a 5 bps NIM increase and average earning assets +$60M.
Capital, Liquidity and Shareholder Returns
Tangible common equity ratio increased to 9.84% from 9.5%; tangible common equity per share up 14% YoY. Repurchased ~250,000 shares in the quarter with ~1.2M shares remaining on authorization and declared a quarterly dividend of $0.50 per share.
Strong Deposit Mix and Funding Position
Core deposits represented 89% of total deposits and noninterest-bearing deposits were 33% of total deposits. Loan-to-deposit ratio at 86%, providing capacity to support clients and new lending.
Loan Portfolio Quality and Reserve Coverage
Allowance for credit losses of $160.3M (1.37% of total loans, consistent with prior quarters). Total nonperforming assets $51.3M (0.31% of total assets). Net provision for credit losses in Q4 of $2.4M; full-year net charge-offs ~6 bps of average loans (nominal).
Selective Loan Growth and Granular CRE Originations
Loan production was solid (originations up 9% sequentially and 8% YoY) though payoffs offset growth in the quarter. Portfolio loan balances up 3.2% YoY; investor CRE +5% YoY and owner-occupied CRE +11% YoY with nearly 40% of owner-occupied originations from small business teams.
Market Recognition and Culture
Multiple external validations in 2025: named among America's 100 Best Banks, Forbes recognition, Newsweek trustworthy lists, J.D. Power retail satisfaction leader in the Northwest, Great Place to Work certification, S&P Global top-50 performance ranking and outstanding CRA rating.
BANR Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
BANR Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
Jan 21, 2026 | $65.51 | $65.61 | +0.15% |
Oct 15, 2025 | $61.61 | $61.42 | -0.32% |
Jul 16, 2025 | $65.25 | $65.62 | +0.57% |
Apr 16, 2025 | $57.81 | $58.60 | +1.36% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
FAQ
When does Banner Corp. (BANR) report earnings?
Banner Corp. (BANR) is schdueled to report earning on Apr 22, 2026, After Close (Confirmed).
What is Banner Corp. (BANR) earnings time?
Banner Corp. (BANR) earnings time is at Apr 22, 2026, After Close (Confirmed).
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is BANR EPS forecast?
BANR EPS forecast for the fiscal quarter 2026 (Q1) is 1.36.