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Banner Corporation (BANR) — RQD Stock Rating Cockpit

$69.32 +0.93% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot)

Banner Corporation (BANR) carries a Roarable Rating of D+ (Sell) with 57/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.

ROARABLE D+ • SELL / AVOID Cap $2.54B

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

RQD QUANT TACHOMETERSELL / AVOID • D+

JEV AI Jury Split (Battleground)

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw D+ · Rk C

Each axis scored 0–20

12M PRICE TARGET CONE-0.4% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for BANR)Realized 20D OHLCV Swing Band: ±4.3%

RSI-14 MOMENTUMNEUTRAL RANGE

53.630 Oversold · 70 Hot

ALTMAN-Z SHIELDFORTRESS SAFE (>3.0)

3.80>3.0 Fortress Safe

PIOTROSKI F-SCORESOLID CORE (5–6)

5 / 99-Pt Accounting

52-WEEK LASER RANGE69% OF RANGE

L: $57$69.32H: $75

1. Money & Cash Health● MIXED

Are profits real cash in the bank?

Decent core business (steady margins), though cash flow growth is moderate rather than explosive right now.

Factor Grade: D+RQD 11 / 20

2. Big Money & Insiders● TRIMMING

Are whales & executives buying or selling?

Insiders and big institutional desks have been trimming shares rather than stepping up to buy.

Factor Grade: D+RQD 21 / 40

3. Hidden Risks & Market Weather● WATCH

SEC fine-print scan & interest-rate fit

No major SEC filing blowups, though current interest rates and Fed liquidity call for normal position sizing.

Factor Grade: CRQD 25 / 40

MULTI-MODEL JEV QUANT JURY DELIBERATION

JEV AI Jury Split (Battleground) on BANR

Cash & Moat Bull AI

ROIC & Free Cash Flow Model

NEUTRAL (55)

3.8% ROIC with 42.0% gross margin and 9.76% FCF yield.

SEC Forensic Auditor AI

10-K Accruals & Altman-Z Guard

NEUTRAL (65)

Altman-Z 4.20 and Piotroski 5/9 pass balance-sheet audit.

Whale & Macro Hawk AI

Options Skew, 13F & Fed NetLiq

NEUTRAL (55)

21/40 institutional & smart-money positioning score with 12/20 macro alignment.

Bull Case: Why Buyers Like BANR

✓Established market leader in Financials with deep daily trading liquidity.

Bear Case: What Could Go Wrong

!Broader market pullbacks can still drag down strong stocks in the short run.

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring BANR)

✓Walkthrough of BANR's RQD Radar, SEC cash-conversion gap & downside invalidation levels
✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

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Join Founding VIP Waitlist (No Card Required) →$100K Arena

BANR // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +3.60%📐 HORIZONTAL RANGE

2026-10-30O $69.71H $69.71L $68.51C $69.32VOL 372.8K

RES: $70.95SUP: $65.39SMA50: $69.10SMA200: $66.12

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

BANR Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 BANR Butterfly Map → + Track BANR →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

25.3%/yr Implied 5Y Growth

vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on BANR today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for BANR. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for BANR today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (BANR)

Financials Rank #631 of 1096 ⚔️ FRME vs BANR Full Matrix →

1. Head-to-Head Financials Peer Comparison (BANR vs. FRME, TRMK, BUSE, SYBT)

Industry: Major Banks (248 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, Banner Corporation (BANR) ranks #631 by composite RQD confidence (57/100, grade D+) and #394 by equity capitalization ($2.54B). Within this direct 5-issuer industry benchmark cohort, FRME leads on earnings valuation at 11.4x trailing P/E, while SYBT leads on capital efficiency and profitability with 13.0% ROIC and — gross margin. SYBT currently holds the highest overall quantitative score in the immediate peer group at 73/100 (B) compared with BANR at 57/100 (D+).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
BANR ACTIVE Banner Corporation	D+	57/100	—	—	3.8%	+0.93%	$2.54B	Benchmark Subject
FRME First Merchants Corporation	B-	71/100	11.4x	—	9.2%	+1.06%	$2.58B	/frme-vs-banr →
TRMK Trustmark Corporation	B-	70/100	11.6x	—	10.6%	-0.36%	$2.60B	/trmk-vs-banr →
BUSE First Busey Corporation (Class A)	C+	69/100	18.1x	—	5.5%	+0.79%	$2.45B	/buse-vs-banr →
SYBT Stock Yards Bancorp Inc.	B	73/100	17.4x	—	13.0%	+2.46%	$2.44B	/sybt-vs-banr →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0000946673

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Banner Corporation (BANR) reported GAAP revenue of $0 (N/A vs. FY2024 revenue of $0 ) , GAAP net income of $195.4K, operating cash flow of $257.5M, and free cash flow of $247.9M (-11.3% YoY). On the balance sheet, BANR closed FY2025 with $16.35B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 5/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$0	$195.4K	$257.5M	$247.9M	$16.35B	—
FY2024 (FY)	2024-12-31	$0	$168.9K	$293.2M	$279.4M	$16.20B	—
FY2023 (FY)	2023-12-31	$0	$183.6K	$257.2M	$257.2M	—	—

3. BANR Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is BANR stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-01, Banner Corporation (NASDAQ: BANR) is rated D+ (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 57/100 at a spot price of $69.32 (+0.93% 1D, market cap $2.54B). Pillar breakdown: Fundamental Cash Engine 11/20, Institutional 13F & Options Flow 8/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 12/20, and SEC Balance-Sheet Forensics 13/20. Across 1096 tracked Financials issuers, BANR ranks #631 in composite RQD confidence.

How does BANR compare to FRME and TRMK in the Financials sector?

Within the Financials sector (Major Banks), BANR carries a Roarable D+ (57/100 RQD), trailing P/E of N/A, gross margin of —, and ROIC of 3.8%. By comparison, FRME (First Merchants Corporation) holds a B- grade (71/100 RQD, P/E 11.4x, ROIC 9.2%, cap $2.58B) and TRMK (Trustmark Corporation) posts a B- grade (70/100 RQD, P/E 11.6x, ROIC 10.6%, cap $2.60B). Among the 5-stock peer group, FRME leads on earnings multiple (11.4x) while SYBT leads on capital efficiency (13.0% ROIC).

What are the biggest fundamental strengths and SEC risk factors for BANR?

Per BANR's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000946673), Banner Corporation generated $0 in revenue, $195.4K in net income, and $247.9M in free cash flow against $16.35B in total assets and $0 in total debt. Key quantitative strengths: Established market leader in Financials with deep daily trading liquidity.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.

Where is BANR trading relative to its 50-day, 200-day, and 52-week technical levels?

BANR last traded at $69.32 (+0.93% on volume of 206,088 shares), positioning the stock +0.32% above its 50-day simple moving average ($69.10) and +4.84% above its 200-day simple moving average ($66.12). Across its 52-week range of $57.05 to $74.84, BANR sits at the 69.0% percentile with a 14-day RSI of 53.6 (NEUTRAL RANGE) and an implied next-earnings move of ±4.3% ($66.34 to $72.30).

BANR Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Should I buy, hold, or sell BANR stock right now?

Banner Corporation (BANR) currently earns a Roarable Rating of D+ (Sell — SELL) with 57/100 RQD Confidence. Stretched risk/reward at current multiples (4% return on capital) under elevated 10-year interest-rate pressure.

What is BANR's 12-month price target and RQD AI Jury consensus?

BANR's 12-month base price target is $69.01 (range $53.83 to $81.43), backed by transparent SEC XBRL cash-flow, Form 4 insider, and CBOE options flow analysis.

Direct Sub-Reports: BANR RQD Cockpit BANR 12M Forecast BANR Earnings & Move BANR Dividends & DRIP BANR Insiders & 13F BANR Whale Options BANR Profit Sankey BANR News & Why