• Banner Corporation (NASDAQ:BANR) reported a slight miss in earnings per share (EPS) and revenue for the quarter ending in June 2025.
• The company's net income and net interest income showed significant improvement compared to the same quarter in the previous year.
• Despite liquidity concerns indicated by a low current ratio, Banner Corporation maintains a conservative debt-to-equity ratio and continues to return value to shareholders through dividends.

Banner Corporation, listed as NASDAQ:BANR, is the parent company of Banner Bank. It operates primarily in the financial services sector, offering a range of banking products and services. The company competes with other regional banks and financial institutions. On July 16, 2025, BANR reported earnings per share (EPS) of $1.31, slightly below the estimated $1.32, and generated revenue of approximately $163 million, which was lower than the estimated $167 million.

Banner's net income for the second quarter of 2025 was $45.5 million, or $1.31 per diluted share, reflecting an increase from the previous quarter's net income of $45.1 million, or $1.30 per diluted share. This also represents a significant rise from $39.8 million, or $1.15 per diluted share, in the second quarter of 2024. The company's net interest income for the second quarter of 2025 was $144.4 million, up from $141.1 million in the preceding quarter.

Banner Corporation has a price-to-earnings (P/E) ratio of approximately 13.07, indicating how much investors are willing to pay per dollar of earnings. The company's price-to-sales ratio stands at about 2.74, while its enterprise value to sales ratio is around 2.79. Additionally, the enterprise value to operating cash flow ratio is approximately 7.88, and the earnings yield is about 7.65%.

The company's debt-to-equity ratio is relatively low at 0.27, indicating a conservative use of debt in its capital structure. However, the current ratio is quite low at 0.04, suggesting potential liquidity concerns. Despite these challenges, Banner Corporation declared a quarterly cash dividend of $0.48 per share, reflecting its commitment to returning value to shareholders.