$64.65

+0.05 (+0.08%)

Weekly Expected Move ±4.6%

$57 $60 $63 $65 $68

NASDAQ · Financial Services · Banks - Regional · Alpha Radar Neutral · Power 51 · $2.2B mcap · 33M float · 0.941% daily turnover · Short 52% of daily vol

Edge Score

Quantitative competitive moat analysis scoring five pillars of durable advantage — cost leadership, brand intangibles, switching costs, network effects, and efficient scale — using industry percentile rankings on a 0–100 scale.

WEAK EDGE

54.5 / 100

NoneWeakNarrowWide

Primary source: Intangible Assets · ROIC: 9.9% · 5Y Avg: 9.4%

Cost Advantage

Intangibles

Switching Cost

Network Effect

Scale

The Edge Score quantifies a company's competitive moat using five pillars: Cost Advantage (20%, operating margin and SG&A efficiency vs industry peers), Intangible Assets (25%, gross margin premium, R&D intensity, brand pricing power), Switching Costs (25%, revenue stability, earnings consistency, customer retention proxied by operating leverage), Network Effects (15%, revenue growth with expanding margins, market share dominance), and Efficient Scale (15%, market concentration, ROIC sustainability). Each pillar is scored 0–100 using industry percentile rankings, then weighted into a composite. Wide ≥ 70, Narrow ≥ 55, Weak ≥ 40, None < 40. BANR shows a Weak competitive edge (54.5/100) — limited structural advantages that may face competitive pressure. The primary source of advantage is Intangible Assets. ROIC of 9.9% suggests modest returns relative to capital deployed.

Analyst Insights

Wall Street analyst consensus based on price targets and buy/sell/hold recommendations from institutional research coverage over the trailing 12 months.

Analyst Price Targets

Low

$70

Avg Target

$70

High

Based on 1 analyst ratings (12 mo)

Analyst Recommendations

Strong Buy: 0Buy: 3Hold: 10Sell: 0Strong Sell: 0

Rating Summary

ConsensusHold

Avg Target$70.00

Analysts1

Price Target Change History

Date	Firm	Analyst	Old	New	Change	Upside @ Call	Stock@Call
2025-12-01	Piper Sandler	Matthew Clark	$67	$70	+3	+11.4%	$62.81
2024-10-18	D.A. Davidson	Jeffrey Rulis	Initiated	$69	—	+1.6%	$67.93
2024-10-17	Piper Sandler	Andrew Liesch	$65	$67	+2	+1.7%	$65.86
2024-10-02	Raymond James	David Feaster	$68	$65	-3	+11.6%	$58.24
2024-07-19	Piper Sandler	Andrew Liesch	$51	$65	+14	+11.8%	$58.16
2024-04-19	Piper Sandler	Andrew Liesch	Initiated	$51	—	+14.1%	$44.71
2024-04-19	Stephens	Andrew Terrell	$67	$53	-14	+21.2%	$43.73
2022-07-22	Raymond James	—	$65	$68	+3	+14.7%	$59.26
2022-07-07	Raymond James	—	$70	$65	-5	+11.3%	$58.38
2022-06-17	Stephens	Andrew Terrell	$66	$67	+1	+27.4%	$52.59
2022-04-25	Stephens	—	Initiated	$66	—	+19.1%	$55.42
2022-04-22	Raymond James	—	Initiated	$70	—	+21.7%	$57.50

Financial Rating

Composite financial health rating (A+ to F) based on discounted cash flow valuation, return on equity, return on assets, debt-to-equity leverage, and relative P/E and P/B multiples.

A-

May 22, 2026

DCF

ROE

ROA

D/E

P/E

P/B

The Financial Rating evaluates six fundamental factors — discounted cash flow (DCF) valuation, return on equity (ROE), return on assets (ROA), debt-to-equity leverage (D/E), and relative price-to-earnings (P/E) and price-to-book (P/B) multiples — each scored 1–5. BANR receives an overall rating of A-. Strongest factors: DCF (4/5), ROA (4/5).

Rating Change History

Date	From	To
2026-05-18	B+	A-
2026-04-30	A-	B+
2026-04-24	A	A-
2026-04-22	B+	A
2026-04-21	A-	B+
2026-04-01	B+	A-
2026-02-02	A-	B+
2026-01-27	B+	A-
2026-01-16	A-	B+
2026-01-03	B+	A-

InsiderStreet Scorecard

Proprietary multi-factor scorecard rating companies across seven fundamental dimensions — profitability, balance sheet strength, earnings quality, growth, value, momentum, and safety — each scored 0–100.

★ ★ ★ ★ ★ 60 Grade A+

Profitability

Balance Sheet

Earnings Quality

Growth

Value

Momentum

Safety

Cash Flow

The InsiderStreet Scorecard rates companies across eight dimensions: Profitability (margins, ROA, ROE), Balance Sheet (leverage, liquidity, coverage), Earnings Quality (accruals, cash conversion), Growth (revenue and earnings trajectory), Value (P/E, P/B, earnings yield, Graham criteria), Momentum (revenue and earnings acceleration), Safety (Altman Z-Score risk adjustment), and Cash Flow (operating cash flow quality, FCF conversion, cash coverage). The overall score blends 35% quality, 35% value, and 30% momentum, with a penalty for distress-zone Altman scores. BANR scores highest in Earnings Quality (91/100) and lowest in Balance Sheet (40/100). An overall grade of A+ places BANR among the highest-quality companies in its peer group.

Risk & Quality Signals

Academic financial models used by institutional investors to assess bankruptcy risk, earnings manipulation, financial strength, and credit quality.

Altman-B Score

2.21

Grey Zone

Piotroski F-Score

7/9

✓ ✓ ✓ ✓ ✓ ✗ ✓ ✓ ✗

Beneish M-Score

-2.56

Unlikely Manipulator

Ohlson O-Score

-0.73

Bankruptcy prob: 32.4%

Moderate

Credit Rating

A+

Score: 75.5/100

Trend: Improving

Earnings Quality

100/100

OCF/NI: 1.51x

Accruals: -0.6%

The Altman-B Score replaces the traditional Z-Score for banks and financial institutions. It weights equity-to-assets, return on assets, retained earnings, market value coverage, and cash reserves — metrics that better capture bank solvency than manufacturing-oriented ratios. BANR scores 2.21, placing it in the Grey Zone (safe > 3.0, distress < 1.5). Financial distress is possible and warrants monitoring. The Piotroski F-Score (2000) is a 9-point binary checklist — four profitability tests (positive ROA, positive cash flow, improving ROA, cash flow exceeding net income), three leverage tests (declining debt ratio, improving current ratio, no share dilution), and two efficiency tests (improving gross margin, improving asset turnover). Each pass scores 1 point. BANR scores 7/9, signaling strong financial health across all three dimensions. The Beneish M-Score (1999) is an 8-variable model that detects earnings manipulation by comparing year-over-year changes in receivables, gross margins, asset quality, sales growth, depreciation, SG&A, leverage, and accruals. Scores above −1.78 statistically resemble past manipulators. BANR's score of -2.56 falls below this threshold, suggesting earnings are unlikely to be manipulated. The Ohlson O-Score (1980) is a 9-variable logistic regression that estimates bankruptcy probability using firm size, leverage, working capital, current ratio, profitability (ROA), cash flow coverage, negative equity flag, consecutive losses flag, and earnings trajectory. The raw score is converted to a probability via logistic transformation. BANR's implied 32.4% bankruptcy probability is elevated and warrants attention to the balance sheet. Our Credit Rating model scores companies on five weighted components — solvency (30%), earning power (25%), leverage (20%), liquidity (15%), and cash flow quality (10%) — then blends the absolute score with sector and industry peer rankings. For companies with large buyback programs, equity is adjusted by adding back cumulative 5-year repurchases (capped at 80% of FCF generated) to avoid penalizing shareholder-friendly capital allocation. BANR receives an estimated rating of A+ (score: 75.5/100), with a improving trend. The Earnings Quality score measures how well reported earnings are backed by real cash. It evaluates the operating cash flow to net income ratio (OCF/NI ≥ 1.0 means every dollar of earnings is cash-backed) and the accruals ratio (the gap between earnings and cash flow relative to assets — lower is better). BANR's score of 100/100 is high — cash flows strongly support reported earnings.

Valuation

Key valuation multiples comparing the stock's market price to its earnings, revenue, book value, and cash flows. Lower multiples may indicate relative undervaluation versus peers.

P/E

10.73x

PEG

0.64x

P/S

2.66x

P/B

1.12x

P/FCF

6.89x

P/OCF

6.70x

EV/EBITDA

8.58x

EV/Revenue

2.69x

EV/EBIT

8.79x

EV/FCF

7.37x

Earnings Yield

9.86%

FCF Yield

14.52%

Shareholder Yield

5.70%

Graham Number

$87.46

Equity-based multiples (P/E, P/B, P/FCF) compare the stock price to per-share fundamentals and are affected by capital structure. Enterprise value multiples (EV/EBITDA, EV/Revenue, EV/FCF) strip out debt and cash, making them more useful for cross-company comparisons regardless of how companies are financed. The Graham Number — √(22.5 × EPS × Book Value) — is Benjamin Graham's formula for the maximum price a defensive investor should pay. At 10.7x earnings, BANR trades at a reasonable valuation. An earnings yield of 9.9% exceeds typical risk-free rates, suggesting equities are being compensated for risk. Graham's intrinsic value formula yields $87.46 per share, suggesting a potential 35% margin of safety at the current price.

DuPont Decomposition (5-Factor)

The 5-factor DuPont framework breaks Return on Equity into its component drivers — tax efficiency, interest burden, operating profitability, asset utilization, and financial leverage — to reveal what truly drives shareholder returns.

Tax Burden

0.818

NI / EBT

Interest Burden

0.990

EBT / EBIT

EBIT Margin

0.306

EBIT / Rev

Asset Turnover

0.051

Rev / Assets

Equity Multiplier

8.750

Assets / Equity

ROE

11.0%

The 5-factor DuPont identity decomposes ROE as: Tax Burden × Interest Burden × EBIT Margin × Asset Turnover × Equity Multiplier = ROE. This reveals whether returns are driven by operating performance, financial leverage, or tax efficiency — three very different sources of profitability. BANR's ROE of 11.0% is driven by financial leverage (equity multiplier: 8.75x). Note: high leverage means ROE is amplified by debt rather than operational performance.

Graham-Dodd Adjusted Valuation

Our adaptation of Graham's growth formula (Fair P/E = 8.5 + 2g) from The Intelligent Investor. The classic version relies on analyst growth projections, which can be unreliable. This adjusted model substitutes the company's realized 3-year EPS CAGR — a backward-looking, verifiable measure of actual earnings power — grounding the valuation in demonstrated performance rather than forecasts.

Adj. Growth Rate

17.92%

Fair P/E

44.34x

Intrinsic Value

$265.33

Price/Value

0.23x

Margin of Safety

77.13%

Premium

-77.13%

Assessment

Undervalued

Graham's classic formula uses analyst-projected growth to estimate a fair P/E (8.5 + 2g). Our adjusted version replaces that projection with BANR's realized 17.9% 3-year EPS CAGR — what the company actually delivered, not what analysts hope for. At an intrinsic value of $265.33, BANR appears undervalued with a 77% margin of safety. The adjusted fair P/E of 44.3x compares to the current market P/E of 10.7x.

Profitability Trends

Historical profitability ratios tracking how efficiently the company converts revenue into returns for shareholders over time.

Leverage & Solvency Trends

Debt and liquidity metrics showing the company's financial leverage and ability to meet short-term and long-term obligations.

Efficiency & Working Capital Trends

Operating efficiency metrics measuring how quickly the company converts inventory to sales, collects receivables, and manages its cash conversion cycle.

Growth Trends (YoY %)

Year-over-year growth rates for key financial metrics, showing the trajectory of revenue, earnings, and cash flow generation.

Earnings Stability

R-squared of linear regression measuring how predictably revenue, earnings, and margins follow a trend over the trailing 5 years. 1.0 = perfectly predictable; lower values indicate erratic or cyclical behavior.

Monte Carlo Price Simulation

Geometric Brownian Motion with 1,000 antithetic paths over 1 year, seeded from 1800 days of historical volatility. Percentile bands show the range of statistically plausible outcomes — this is a statistical model, not a forecast.

Current Price

$64.65

Median 1Y

$63.86

5th Pctile

$32.56

95th Pctile

$125.23

Ann. Volatility

38.7%

25th–75th percentile 5th–95th percentile Median path Historical

Executive Compensation

C-suite compensation breakdown including salary, stock awards, options, and incentive pay. The CEO-to-employee pay ratio and Gini coefficient measure pay distribution fairness.

C-Suite Compensation

Executive	Salary	Stock	Total
Mark J. Grescovich President and Chief Executive Officer	$949,816	$1,327,276	$3,590,983
James M. Costa Executive Vice President and Chief Operating Officer	$519,792	$729,839	$1,902,040
Robert G. Butterfield Executive Vice President and Chief Financial Officer	$497,533	$383,163	$1,296,211
Mark C. Borrecco Executive Vice President and Chief Banking Officer	$496,417	$410,321	$1,295,923
Cynthia D. Purcell Executive Vice President and Chief Strategy and Administration Officer	$464,281	$361,000	$1,215,944

CEO Pay Ratio

20:1

CEO-to-Employee Pay Ratio

CEO Total Comp: $3,590,983

Avg Employee Cost (SGA/emp): $177,544

Employees: 1,930

C-Suite Pay Equality (Gini)

CEO Compensation Mix

Workforce & Productivity

Workforce efficiency metrics measuring revenue, profit, and R&D spend per employee — key indicators of operational leverage and human capital productivity.

Employees

1,930

+0.3% YoY

Revenue / Employee

$424,605

Rev: $819,487,000

Profit / Employee

$101,234

NI: $195,382,000

SGA / Employee

$177,544

Avg labor cost proxy

Scaling Efficiency

All Ratios & Metrics

Complete fundamental data with up to 20 periods of history, sparkline trends, and current values across 13 categories and 130+ financial metrics.

Profitability

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
ROE	10.8%	11.7%	12.0%	11.8%	11.4%	11.4%	12.4%	13.2%	12.6%	12.4%	11.8%	10.7%	10.7%	10.6%	9.9%	10.3%	10.6%	11.1%	10.5%	11.0%	11.02%
ROA	1.3%	1.4%	1.3%	1.2%	1.2%	1.2%	1.2%	1.3%	1.2%	1.2%	1.2%	1.1%	1.1%	1.0%	1.1%	1.1%	1.1%	1.2%	1.2%	1.3%	1.26%
ROIC	-13.8%	-14.8%	-5.8%	-5.7%	-5.5%	-5.5%	-18.4%	-19.5%	-18.7%	-18.4%	8.7%	7.8%	7.9%	7.8%	9.1%	9.5%	9.8%	10.3%	9.4%	9.9%	9.89%
ROCE	10.2%	11.0%	11.9%	11.8%	11.4%	11.3%	13.5%	14.4%	13.7%	13.5%	9.2%	8.3%	8.4%	8.3%	8.2%	8.5%	8.8%	9.2%	10.9%	11.4%	11.45%
Gross Margin	1.0%	1.0%	1.0%	1.0%	94.5%	93.6%	92.6%	92.5%	80.0%	79.4%	75.5%	73.1%	71.3%	70.9%	72.6%	73.4%	72.2%	98.4%	76.1%	78.4%	78.40%
Operating Margin	42.3%	37.9%	38.7%	37.5%	38.7%	36.4%	37.2%	39.1%	27.1%	29.6%	27.3%	23.9%	24.0%	26.2%	27.0%	26.5%	25.7%	38.7%	28.8%	31.1%	31.13%
Net Margin	34.1%	30.5%	32.5%	30.6%	31.2%	29.4%	30.5%	31.7%	22.0%	24.0%	21.8%	19.3%	19.4%	21.2%	21.6%	21.4%	20.9%	31.3%	23.3%	25.2%	25.23%
EBITDA Margin	46.0%	41.6%	42.5%	41.4%	42.3%	39.7%	40.3%	42.2%	30.1%	32.4%	30.0%	26.6%	26.5%	28.6%	29.4%	28.8%	27.8%	39.6%	29.0%	31.1%	31.13%
FCF Margin	65.9%	48.4%	46.1%	2.9%	13.8%	18.2%	34.7%	36.9%	32.5%	35.4%	32.7%	28.8%	32.3%	30.8%	33.8%	33.9%	30.8%	39.5%	30.3%	36.5%	36.55%
OCF Margin	67.7%	49.9%	47.8%	4.8%	15.8%	20.9%	37.0%	38.9%	34.3%	37.3%	34.7%	30.7%	34.3%	32.4%	35.4%	35.4%	32.1%	40.8%	31.4%	37.5%	37.55%
ROE 3Y Avg	snapshot only																				10.17%
ROE 5Y Avg	snapshot only																				11.29%
ROA 3Y Avg	snapshot only																				1.13%
ROIC 3Y Avg	snapshot only																				7.74%
ROIC Economic	snapshot only																				8.99%
Cash ROA	snapshot only																				1.90%
Cash ROIC	snapshot only																				14.81%
CROIC	snapshot only																				14.42%
NOPAT Margin	snapshot only																				25.06%
Pretax Margin	snapshot only																				30.35%
R&D / Revenue	snapshot only																				0.00%
SGA / Revenue	snapshot only																				42.73%
SBC / Revenue	snapshot only																				2.17%

Valuation

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
P/E Ratio	9.21	8.73	9.11	8.98	8.95	9.51	10.01	8.19	6.91	6.89	9.39	9.44	9.86	12.03	13.32	12.27	12.04	11.84	11.04	10.14	10.730
P/S Ratio	2.57	2.61	2.90	2.87	2.79	2.94	3.04	2.51	1.96	1.86	2.32	2.06	2.08	2.46	2.72	2.57	2.56	2.77	2.63	2.52	2.658
P/B Ratio	0.98	1.00	1.08	1.05	1.02	1.07	1.34	1.16	0.94	0.92	1.04	0.95	0.99	1.20	1.27	1.22	1.24	1.27	1.11	1.07	1.118
P/FCF	3.89	5.39	6.29	97.36	20.31	16.09	8.75	6.82	6.03	5.26	7.11	7.14	6.45	7.99	8.05	7.58	8.32	7.01	8.70	6.89	6.887
P/OCF	3.79	5.23	6.07	59.84	17.66	14.05	8.21	6.47	5.71	4.98	6.70	6.68	6.07	7.59	7.67	7.24	7.97	6.80	8.37	6.70	6.704
EV/EBITDA	-5.43	-4.95	-12.38	-12.77	-13.44	-13.13	-2.15	-2.97	-4.31	-4.48	8.78	8.93	9.24	10.83	10.13	9.40	9.28	9.28	9.12	8.58	8.576
EV/Revenue	-2.08	-2.03	-5.31	-5.48	-5.64	-5.44	-0.88	-1.22	-1.64	-1.62	2.94	2.66	2.66	3.03	2.82	2.66	2.66	2.87	2.81	2.69	2.695
EV/EBIT	-6.05	-5.46	-13.58	-14.01	-14.75	-14.40	-2.35	-3.23	-4.69	-4.89	9.61	9.87	10.19	11.95	11.13	10.27	10.08	9.91	9.54	8.79	8.794
EV/FCF	-3.15	-4.19	-11.51	-185.95	-40.98	-29.83	-2.53	-3.32	-5.04	-4.58	9.00	9.24	8.26	9.84	8.34	7.86	8.63	7.26	9.29	7.37	7.374
Earnings Yield	10.9%	11.5%	11.0%	11.1%	11.2%	10.5%	10.0%	12.2%	14.5%	14.5%	10.7%	10.6%	10.1%	8.3%	7.5%	8.1%	8.3%	8.4%	9.1%	9.9%	9.86%
FCF Yield	25.7%	18.5%	15.9%	1.0%	4.9%	6.2%	11.4%	14.7%	16.6%	19.0%	14.1%	14.0%	15.5%	12.5%	12.4%	13.2%	12.0%	14.3%	11.5%	14.5%	14.52%
PEG Ratio	snapshot only																				0.638
Price/Tangible Book	snapshot only																				1.323
EV/OCF	snapshot only																				7.178
EV/Gross Profit	snapshot only																				3.356
Acquirers Multiple	snapshot only																				8.794
Shareholder Yield	snapshot only																				5.70%
Graham Number	snapshot only																				$87.46

Leverage & Solvency

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Current Ratio	0.28	0.28	0.39	0.39	0.39	0.39	0.22	0.22	0.22	0.22	0.02	0.02	0.02	0.02	0.04	0.04	0.04	0.04	0.02	0.02	0.020
Quick Ratio	0.28	0.28	0.39	0.39	0.39	0.39	0.22	0.22	0.22	0.22	0.02	0.02	0.02	0.02	0.04	0.04	0.04	0.04	0.02	0.02	0.020
Debt/Equity	0.37	0.37	0.35	0.35	0.35	0.35	0.35	0.35	0.35	0.35	0.43	0.43	0.43	0.43	0.34	0.34	0.34	0.34	0.19	0.19	0.191
Net Debt/Equity	-1.77	-1.77	-3.06	-3.06	-3.06	-3.06	-1.73	-1.73	-1.73	-1.73	0.28	0.28	0.28	0.28	0.05	0.05	0.05	0.05	0.08	0.08	0.076
Debt/Assets	0.04	0.04	0.04	0.04	0.04	0.04	0.03	0.03	0.03	0.03	0.05	0.05	0.05	0.05	0.04	0.04	0.04	0.04	0.02	0.02	0.023
Debt/EBITDA	2.51	2.34	2.19	2.23	2.30	2.31	1.95	1.84	1.92	1.95	2.87	3.15	3.15	3.16	2.63	2.54	2.47	2.41	1.48	1.44	1.436
Net Debt/EBITDA	-12.14	-11.32	-19.15	-19.46	-20.10	-20.21	-9.58	-9.08	-9.46	-9.62	1.85	2.03	2.03	2.03	0.35	0.34	0.33	0.32	0.58	0.57	0.566
Interest Coverage	7.48	8.97	10.44	11.57	12.38	13.05	12.42	8.87	4.52	2.77	1.81	1.25	1.08	0.96	0.93	0.97	1.00	1.07	1.11	1.19	1.194
Equity Multiplier	9.02	9.02	9.94	9.94	9.94	9.94	10.87	10.87	10.87	10.87	9.48	9.48	9.48	9.48	9.13	9.13	9.13	9.13	8.40	8.40	8.403
Cash Ratio	snapshot only																				0.016
Debt Service Coverage	snapshot only																				1.225
Cash to Debt	snapshot only																				0.606
FCF to Debt	snapshot only																				0.810
Defensive Interval	snapshot only																				254.8 days

Efficiency & Turnover

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Asset Turnover	0.05	0.05	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.05	0.05	0.05	0.05	0.05	0.05	0.05	0.05	0.05	0.05	0.051
Inventory Turnover	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Receivables Turnover	15.00	15.02	14.09	13.86	13.73	13.81	12.84	13.46	13.98	14.46	12.32	12.64	13.06	13.42	13.35	13.61	13.81	13.13	13.50	13.60	13.604
Payables Turnover	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
DSO	24	24	26	26	27	26	28	27	26	25	30	29	28	27	27	27	26	28	27	27	26.8 days
DIO	0	—	—	—	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0.0 days
DPO	0	—	—	—	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	—
Cash Conversion Cycle	24	—	—	—	27	26	28	27	26	25	30	29	28	27	27	27	26	28	27	27	—
Fixed Asset Turnover	snapshot only																				5.724
Cash Velocity	snapshot only																				3.659
Capital Intensity	snapshot only																				19.804

Growth (YoY)

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Revenue	0.7%	-0.2%	-0.9%	-2.8%	-3.1%	-2.7%	2.0%	8.8%	14.0%	17.2%	15.3%	12.8%	12.2%	11.5%	11.5%	10.9%	8.9%	0.8%	-0.9%	-2.1%	-2.11%
Net Income	55.5%	71.8%	73.4%	35.8%	8.5%	0.4%	-2.8%	4.4%	3.6%	2.3%	-6.0%	-20.0%	-16.5%	-15.5%	-8.0%	6.5%	9.9%	15.4%	15.7%	16.1%	16.14%
EPS	57.1%	75.0%	77.7%	38.6%	10.0%	1.2%	-2.4%	4.9%	3.7%	2.3%	-6.1%	-20.1%	-16.8%	-16.0%	-8.7%	5.8%	9.2%	15.1%	16.8%	17.9%	17.92%
FCF	6.4%	53.4%	1.6%	-95.2%	-79.8%	-63.3%	-23.3%	12.6%	1.7%	1.3%	8.6%	-11.9%	11.3%	-2.9%	15.2%	30.5%	3.9%	29.5%	-11.3%	5.6%	5.60%
EBITDA	46.7%	61.0%	60.8%	30.5%	6.2%	-1.5%	-2.8%	4.2%	3.4%	2.2%	-5.4%	-18.4%	-14.9%	-13.8%	-7.4%	5.5%	8.1%	11.5%	9.7%	8.6%	8.56%
Op. Income	55.8%	73.8%	73.1%	35.9%	7.7%	-0.9%	-2.4%	5.2%	4.1%	2.7%	-5.7%	-19.7%	-16.0%	-14.8%	-7.8%	6.8%	9.8%	15.2%	15.2%	15.6%	15.62%
OCF Growth	snapshot only																				3.71%
Asset Growth	snapshot only																				0.95%
Equity Growth	snapshot only																				9.69%
Debt Growth	snapshot only																				-38.56%
Shares Change	snapshot only																				-1.51%
Dividend Growth	snapshot only																				1.80%

Growth (CAGR)

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Revenue 3Y	7.9%	7.0%	4.7%	2.7%	1.1%	0.3%	1.3%	2.7%	3.6%	4.4%	5.2%	6.0%	7.4%	8.3%	9.5%	10.8%	11.7%	9.6%	8.4%	7.0%	6.98%
Revenue 5Y	8.9%	6.4%	6.0%	5.4%	4.8%	4.8%	5.7%	6.4%	6.8%	6.9%	6.2%	5.8%	5.7%	5.7%	6.0%	6.3%	6.3%	5.1%	5.2%	5.3%	5.29%
EPS 3Y	31.0%	27.6%	13.5%	12.6%	9.4%	8.4%	11.1%	18.1%	21.5%	21.9%	17.6%	5.1%	-1.7%	-4.6%	-5.8%	-4.0%	-2.0%	-0.4%	0.0%	-0.1%	-0.13%
EPS 5Y	24.1%	21.9%	17.7%	15.7%	13.9%	13.6%	25.1%	24.3%	20.7%	16.5%	6.0%	3.6%	2.5%	1.8%	3.3%	6.9%	10.2%	11.9%	11.7%	7.7%	7.68%
Net Income 3Y	34.4%	30.5%	13.8%	12.0%	8.9%	8.3%	10.1%	16.8%	20.4%	20.9%	16.6%	4.3%	-2.1%	-4.6%	-5.6%	-3.8%	-1.7%	-0.1%	0.0%	-0.3%	-0.32%
Net Income 5Y	24.7%	22.3%	18.7%	16.7%	14.9%	14.5%	26.3%	25.8%	22.2%	18.0%	6.1%	3.3%	2.3%	1.9%	2.9%	6.3%	9.9%	11.5%	11.0%	7.0%	7.03%
EBITDA 3Y	11.1%	11.6%	13.2%	11.3%	8.2%	7.4%	8.0%	13.9%	17.2%	17.5%	13.9%	3.6%	-2.3%	-4.6%	-5.2%	-3.5%	-1.7%	-0.6%	-1.3%	-2.2%	-2.20%
EBITDA 5Y	18.0%	15.8%	12.5%	10.9%	9.3%	9.1%	8.8%	9.8%	8.5%	7.0%	5.9%	3.2%	2.2%	1.8%	2.0%	4.9%	8.2%	9.3%	8.5%	4.9%	4.94%
Gross Profit 3Y	8.7%	9.5%	8.0%	6.4%	4.3%	3.1%	3.5%	5.5%	6.4%	6.1%	4.5%	0.8%	-1.2%	-2.7%	-2.4%	-1.2%	0.4%	1.8%	1.8%	1.8%	1.78%
Gross Profit 5Y	9.0%	7.4%	7.3%	6.9%	5.9%	5.4%	5.9%	6.1%	5.8%	5.2%	3.5%	2.3%	1.8%	1.3%	1.5%	2.5%	3.5%	4.1%	4.1%	3.0%	3.04%
Op. Income 3Y	11.8%	12.4%	14.3%	12.5%	9.4%	8.8%	9.6%	16.3%	20.5%	21.0%	16.8%	4.7%	-2.0%	-4.6%	-5.3%	-3.4%	-1.3%	0.3%	0.1%	-0.3%	-0.31%
Op. Income 5Y	19.7%	17.6%	13.7%	11.9%	10.2%	10.1%	9.7%	10.8%	9.4%	7.7%	6.6%	3.8%	2.8%	2.4%	2.7%	6.2%	10.0%	11.7%	11.1%	7.2%	7.22%
FCF 3Y	50.5%	30.2%	2.3%	-58.1%	12.1%	—	21.6%	1.7%	58.8%	8.5%	29.2%	-17.0%	-15.4%	-6.9%	-1.4%	1.5%	46.1%	41.8%	3.5%	6.7%	6.66%
FCF 5Y	—	—	—	-23.9%	-12.3%	-8.0%	-7.8%	27.6%	13.2%	12.9%	98.2%	-2.5%	33.4%	—	17.6%	86.0%	35.9%	9.9%	17.1%	-4.7%	-4.67%
OCF 3Y	45.5%	26.4%	1.1%	-52.1%	4.6%	1.1%	16.9%	92.6%	46.4%	7.3%	27.1%	-16.0%	-14.4%	-6.2%	-0.9%	1.2%	41.4%	36.9%	2.6%	5.8%	5.76%
OCF 5Y	—	—	—	-19.3%	-11.5%	-7.0%	-7.3%	24.6%	11.5%	11.5%	52.7%	-2.9%	26.0%	82.1%	14.5%	52.1%	29.1%	8.7%	15.5%	-4.7%	-4.74%
Assets 3Y	15.5%	15.5%	12.3%	12.3%	12.3%	12.3%	7.9%	7.9%	7.9%	7.9%	1.4%	1.4%	1.4%	1.4%	-1.2%	-1.2%	-1.2%	-1.2%	1.1%	1.1%	1.09%
Assets 5Y	8.9%	8.9%	11.4%	11.4%	11.4%	11.4%	10.2%	10.2%	10.2%	10.2%	5.7%	5.7%	5.7%	5.7%	5.1%	5.1%	5.1%	5.1%	1.7%	1.7%	1.70%
Equity 3Y	9.4%	9.4%	4.6%	4.6%	4.6%	4.6%	-3.0%	-3.0%	-3.0%	-3.0%	-0.3%	-0.3%	-0.3%	-0.3%	1.6%	1.6%	1.6%	1.6%	10.1%	10.1%	10.15%
Book Value 3Y	6.6%	6.9%	4.3%	5.1%	5.0%	4.6%	-2.1%	-1.9%	-2.1%	-2.1%	0.6%	0.5%	0.1%	-0.3%	1.5%	1.5%	1.3%	1.3%	10.2%	10.4%	10.36%
Dividend 3Y	-16.7%	-16.7%	-15.3%	0.6%	1.0%	1.3%	2.8%	3.6%	3.4%	3.7%	4.0%	2.9%	1.8%	0.7%	-0.2%	-0.1%	-0.1%	-0.2%	0.4%	0.8%	0.79%

Growth Quality

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Revenue Stability	0.94	0.90	0.90	0.83	0.73	0.67	0.76	0.81	0.80	0.79	0.84	0.83	0.75	0.71	0.75	0.80	0.81	0.79	0.84	0.88	0.882
Earnings Stability	0.73	0.71	0.67	0.78	0.74	0.73	0.73	0.87	0.80	0.74	0.51	0.47	0.37	0.29	0.26	0.29	0.31	0.29	0.23	0.17	0.170
Margin Stability	0.94	0.93	0.93	0.94	0.93	0.92	0.93	0.94	0.93	0.92	0.91	0.90	0.89	0.88	0.87	0.86	0.87	0.89	0.90	0.89	0.894
Rev. Growth Consistency	1.00	0.00	0.00	0.00	0.00	0.00	0.50	0.50	0.50	0.50	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	0.00	0.00	0.000
Earn. Growth Consistency	0.50	0.50	0.50	1.00	1.00	1.00	0.00	1.00	1.00	1.00	0.00	0.00	0.00	0.00	0.00	0.50	0.50	0.50	0.50	1.00	1.000
FCF Positive Streak	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1
Earnings Persistence	0.50	0.50	0.50	0.86	0.97	1.00	0.99	0.98	0.99	0.99	0.98	0.92	0.93	0.94	0.97	0.97	0.96	0.94	0.94	0.94	0.935
Earnings Smoothness	0.57	0.47	0.46	0.70	0.92	1.00	0.97	0.96	0.96	0.98	0.94	0.78	0.82	0.83	0.92	0.94	0.91	0.86	0.85	0.85	0.851
ROE Trend	0.02	0.03	0.04	0.03	0.02	0.02	0.04	0.04	0.03	0.02	-0.02	-0.03	-0.02	-0.02	-0.03	-0.02	-0.02	-0.01	-0.00	0.01	0.005
Gross Margin Trend	0.09	0.14	0.15	0.14	0.10	0.06	0.03	-0.02	-0.08	-0.13	-0.17	-0.20	-0.20	-0.19	-0.17	-0.13	-0.10	-0.01	0.02	0.06	0.058
FCF Margin Trend	0.56	0.34	0.27	-0.28	-0.24	-0.22	0.03	0.05	-0.07	0.02	-0.08	0.09	0.09	0.04	0.00	0.01	-0.02	0.06	-0.03	0.05	0.052
Sustainable Growth Rate	7.3%	8.1%	8.5%	8.3%	7.9%	7.8%	8.5%	9.2%	8.6%	8.3%	7.5%	6.4%	6.4%	6.3%	6.0%	6.4%	6.7%	7.2%	6.9%	7.4%	7.36%
Internal Growth Rate	0.9%	1.0%	0.9%	0.9%	0.8%	0.8%	0.8%	0.9%	0.8%	0.8%	0.7%	0.6%	0.6%	0.6%	0.6%	0.7%	0.7%	0.8%	0.8%	0.8%	0.85%

Cash Flow Quality

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
OCF/Net Income	2.43	1.67	1.50	0.15	0.51	0.68	1.22	1.27	1.21	1.38	1.40	1.41	1.62	1.58	1.74	1.69	1.51	1.74	1.32	1.51	1.513
FCF/OCF	0.97	0.97	0.97	0.61	0.87	0.87	0.94	0.95	0.95	0.95	0.94	0.94	0.94	0.95	0.95	0.96	0.96	0.97	0.96	0.97	0.973
FCF/Net Income	snapshot only																				1.472
OCF/EBITDA	snapshot only																				1.195
CapEx/Revenue	1.8%	1.5%	1.7%	1.8%	2.1%	2.6%	2.3%	2.0%	1.8%	1.9%	2.0%	2.0%	2.0%	1.6%	1.7%	1.6%	1.3%	1.2%	1.2%	1.0%	1.00%
CapEx/Depreciation	snapshot only																				1.285
Accruals Ratio	-0.02	-0.01	-0.01	0.01	0.01	0.00	-0.00	-0.00	-0.00	-0.00	-0.00	-0.00	-0.01	-0.01	-0.01	-0.01	-0.01	-0.01	-0.00	-0.01	-0.006
Sloan Accruals	snapshot only																				-0.050
Cash Flow Adequacy	snapshot only																				4.064
Earnings Quality Score	snapshot only																				1.000

Dividends & Buybacks

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Dividend Yield	3.6%	3.5%	3.1%	3.3%	3.4%	3.3%	3.1%	3.7%	4.7%	4.8%	3.9%	4.3%	4.1%	3.4%	3.0%	3.1%	3.1%	3.0%	3.1%	3.3%	3.10%
Dividend/Share	$1.67	$1.67	$1.67	$1.68	$1.72	$1.75	$1.77	$1.82	$1.86	$1.90	$1.94	$1.93	$1.93	$1.92	$1.92	$1.92	$1.93	$1.93	$1.96	$1.99	$2.00
Payout Ratio	33.0%	30.5%	28.7%	29.4%	30.9%	31.5%	31.3%	30.3%	32.2%	33.4%	36.4%	40.3%	40.2%	40.4%	39.5%	37.9%	36.8%	35.1%	34.6%	33.2%	33.19%
FCF Payout Ratio	13.9%	18.8%	19.8%	3.2%	70.0%	53.2%	27.3%	25.2%	28.0%	25.5%	27.5%	30.5%	26.3%	26.8%	23.9%	23.4%	25.4%	20.8%	27.2%	22.5%	22.54%
Total Payout Ratio	55.5%	60.3%	56.8%	46.8%	47.0%	38.9%	38.5%	36.9%	33.9%	35.2%	38.3%	41.2%	41.5%	41.7%	40.8%	39.0%	38.7%	45.3%	52.5%	57.8%	57.76%
Div. Increase Streak	0	0	0	0	0	0	0	1	1	1	1	1	1	1	0	1	1	1	0	1	1
Chowder Number	-0.34	-0.35	-0.36	0.03	0.05	0.07	0.09	0.11	0.13	0.14	0.13	0.11	0.08	0.05	0.03	0.03	0.04	0.03	0.04	0.05	0.051
Buyback Yield	2.5%	3.4%	3.1%	1.9%	1.8%	0.8%	0.7%	0.8%	0.2%	0.3%	0.2%	0.1%	0.1%	0.1%	0.1%	0.1%	0.2%	0.9%	1.6%	2.4%	2.42%
Net Buyback Yield	2.5%	3.4%	3.1%	1.9%	1.8%	0.8%	0.7%	0.8%	0.2%	0.3%	0.2%	0.1%	0.1%	0.1%	0.1%	0.1%	0.2%	0.9%	1.6%	2.4%	2.42%
Total Shareholder Return	6.0%	6.9%	6.2%	5.2%	5.2%	4.1%	3.9%	4.5%	4.9%	5.1%	4.1%	4.4%	4.2%	3.5%	3.1%	3.2%	3.2%	3.8%	4.8%	5.7%	5.70%

DuPont Factors

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Tax Burden (NI/EBT)	0.81	0.81	0.82	0.82	0.82	0.82	0.81	0.81	0.81	0.81	0.81	0.81	0.81	0.81	0.81	0.81	0.81	0.81	0.82	0.82	0.818
Interest Burden (EBT/EBIT)	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	0.99	0.99	0.990
EBIT Margin	0.34	0.37	0.39	0.39	0.38	0.38	0.37	0.38	0.35	0.33	0.31	0.27	0.26	0.25	0.25	0.26	0.26	0.29	0.29	0.31	0.306
Asset Turnover	0.05	0.05	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.05	0.05	0.05	0.05	0.05	0.05	0.05	0.05	0.05	0.05	0.051
Equity Multiplier	8.48	8.48	9.48	9.48	9.48	9.48	10.37	10.37	10.37	10.37	10.13	10.13	10.13	10.13	9.30	9.30	9.30	9.30	8.75	8.75	8.750

Per Share

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
EPS (Diluted TTM)	$5.06	$5.48	$5.81	$5.73	$5.57	$5.55	$5.67	$6.01	$5.77	$5.67	$5.33	$4.80	$4.80	$4.77	$4.86	$5.07	$5.24	$5.49	$5.68	$5.98	$5.98
Book Value/Share	$47.70	$48.06	$48.89	$48.86	$49.06	$49.11	$42.29	$42.27	$42.33	$42.30	$47.94	$47.87	$47.85	$47.70	$51.07	$51.02	$51.08	$51.09	$56.56	$56.82	$57.78
Tangible Book/Share	$36.40	$36.68	$37.67	$37.64	$37.80	$37.84	$31.18	$31.16	$31.21	$31.19	$36.95	$36.90	$36.88	$36.76	$40.24	$40.20	$40.25	$40.26	$45.68	$45.88	$45.88
Revenue/Share	$18.16	$18.32	$18.24	$17.93	$17.84	$17.97	$18.68	$19.58	$20.36	$21.04	$21.52	$22.04	$22.76	$23.32	$23.81	$24.26	$24.65	$23.44	$23.82	$24.11	$24.26
FCF/Share	$11.97	$8.88	$8.42	$0.53	$2.45	$3.28	$6.49	$7.22	$6.62	$7.44	$7.04	$6.34	$7.34	$7.17	$8.04	$8.22	$7.59	$9.27	$7.21	$8.81	$8.87
OCF/Share	$12.29	$9.14	$8.72	$0.86	$2.82	$3.75	$6.91	$7.61	$6.99	$7.85	$7.46	$6.78	$7.80	$7.55	$8.44	$8.60	$7.92	$9.55	$7.48	$9.05	$9.11
Cash/Share	$101.81	$102.59	$166.97	$166.87	$167.57	$167.75	$88.05	$87.99	$88.12	$88.07	$7.38	$7.37	$7.37	$7.34	$15.12	$15.10	$15.12	$15.12	$6.56	$6.59	$5.29
EBITDA/Share	$6.95	$7.51	$7.82	$7.69	$7.48	$7.45	$7.64	$8.05	$7.75	$7.61	$7.22	$6.56	$6.57	$6.52	$6.63	$6.87	$7.06	$7.25	$7.34	$7.58	$7.58
Debt/Share	$17.44	$17.57	$17.14	$17.13	$17.20	$17.22	$14.86	$14.85	$14.87	$14.87	$20.71	$20.68	$20.67	$20.60	$17.46	$17.44	$17.46	$17.46	$10.83	$10.88	$10.88
Net Debt/Share	$-84.37	$-85.02	$-149.83	$-149.74	$-150.37	$-150.53	$-73.19	$-73.14	$-73.24	$-73.20	$13.32	$13.31	$13.30	$13.26	$2.34	$2.34	$2.34	$2.34	$4.27	$4.29	$4.29

Academic Models

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Altman-B Score	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	2.208
Altman Z-Prime	snapshot only																				-5.129
Piotroski F-Score	8	8	8	7	6	5	6	6	6	5	4	4	4	4	6	8	8	7	7	7	7
Beneish M-Score	-2.47	-2.38	-2.63	-2.52	-2.51	-2.51	-2.07	-2.06	-2.02	-2.03	-2.19	-2.17	-2.25	-2.25	-2.50	-2.53	-2.52	-2.81	-2.61	-2.56	-2.557
Ohlson O-Score	snapshot only																				-0.735
Net-Net WC	snapshot only																				$-412.27
EVA	snapshot only																				$-2365243.44

Credit

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Credit Rating	snapshot only																				A+
Credit Score	80.42	79.02	80.82	62.18	66.16	64.61	76.44	77.94	77.78	80.32	71.49	71.91	71.83	72.04	70.36	72.78	72.53	75.60	76.78	75.48	75.477
Credit Grade	snapshot only																				5
Credit Trend	snapshot only																				2.701
Implied Spread (bps)	snapshot only																				125.000
Industry Credit Rank	snapshot only																				72
Sector Credit Rank	snapshot only																				67

BANR NASDAQ

Edge Score

Analyst Insights

Financial Rating

InsiderStreet Scorecard

Risk & Quality Signals

Valuation

DuPont Decomposition (5-Factor)

Graham-Dodd Adjusted Valuation

Profitability Trends

Leverage & Solvency Trends

Efficiency & Working Capital Trends

Growth Trends (YoY %)

Earnings Stability

Monte Carlo Price Simulation

Executive Compensation

C-Suite Compensation

CEO Pay Ratio

C-Suite Pay Equality (Gini)

CEO Compensation Mix

Workforce & Productivity

Scaling Efficiency

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