BANR (Banner) Moat Score: 4/10 (As of Aug. 17, 2026)

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BANR Banner Corp BANR
63 GF Score
Price $73.70
GF Value $66.66
Valuation Modestly Overvalued
! 3 Warning Signs
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What is Banner Moat Score?

Banner BANR -0.49% 63 Moat Score is 4 as of Aug. 17, 2026. GuruFocus rates BANR with a GF Score™ of 63/100 and a GF Value™ of $66.66 (Modestly Overvalued). The stock has 3 warning signs investors should review. Among 1,610 Banks companies, Banner ranks better than 86.27% on this metric.

Banner has the Moat Score of 4, which implies that the company might have Narrow Moat - Discernible but modest moat.

Banner has Narrow Moat: Banner Corp has a modest moat due to its regional market leadership and customer loyalty in the Pacific Northwest. However, it lacks significant network effects or switching costs, and its brand strength is limited to its geographic area. The company benefits from some economies of scale but faces competition from larger national banks.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Banner might have Narrow Moat - Discernible but modest moat.

Banner  (NAS:BANR) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Banner Moat Score Related Terms

BANR vs SYBT, EFSC, INTR: Moat Score Comparison

For the Banks - Regional subindustry, Banner's Moat Score, along with its competitors' market caps and Moat Score data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

Banner Moat Score vs Banks Industry

For the Banks industry and Financial Services sector, Banner's Moat Score distribution charts can be found below:

* The bar in red indicates where Banner's Moat Score falls into.


BANR
63GF Score
Banner Corp BANR
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 4 mean?
Banner (BANR) has a Moat Score of 4 as of Aug. 17, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Banner ranks #221 out of 1610 companies in the Banks industry, placing it in the top 13.7%.
Is Banner's Moat Score too high?
Banner's current Moat Score is 4. Based on the distribution chart, Banner ranks #221 out of 1610 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Banner has a GF Score™ of 63/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Banner's Moat Score compare to SYBT and EFSC?
According to the Banks industry distribution chart, Banner ranks #221 out of 1610 companies for Moat Score. This places Banner in the top 14% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Banner's current Moat Score is 4. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Banner stock overvalued right now?
Based on GuruFocus' analysis, Banner (BANR) is currently considered Modestly Overvalued. The stock's GF Value™ is $66.66, compared to a current price of $73.70 — trading 10.6% above its estimated fair value. The current Moat Score is 4. Banner's overall GF Score™ is 63/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Banner (BANR), the current Moat Score is 4 as of Aug. 17, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Banner (BANR) Overvalued in 2026?

Based on GuruFocus' analysis, Banner stock appears to be overvalued. The current stock price of $73.70 is trading 10.6% above its estimated GF Value™ of $66.66. GuruFocus considers Banner to be Modestly Overvalued.

Key valuation signals for BANR:

  • Moat Score: 4
  • GF Value™: $66.66 vs. price of $73.70 (10.6% above fair value)
  • GF Score™: 63/100 with 3 warning signs

No single metric tells the full story. See the BANR stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Banner Business Description

Address 10 South First Avenue, Walla Walla, WA, USA, 99362
Banner Corp is a bank holding company. It wholly owns one subsidiary bank, Banner Bank. The Bank's primary business is that of traditional banking institutions, accepting deposits and originating loans in locations surrounding its offices in Washington, Oregon, California, Idaho, and Utah. Banner Bank also actively participates in the secondary loan markets, engaging in mortgage banking operations largely through the origination and sale of one to four family residential loans.
63GF Score

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Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$73.70
Price
$66.66
GF Value