Banner Corporation — Earnings Quality Grade A
BANR · Financial Services
Strong financial health
Screening Summary
Management Signals
Source: SEC EDGAR 8-K Item 5.02, with exhibit links when available
Financial Trends
Revenue & Net Income ($B)
Margins (%)
18-Point Screening
Revenue Quality
DSO 34 days, change -3 days YoY
AR growth -0.6% vs revenue growth 8.5%
Revenue 8.5%, CFFO -12.2%. Cash follows revenue
Expense Quality
No material inventory
CapEx growth -30.8% vs revenue 8.5%. Normal
Insufficient data
Insufficient data
Cash Flow Quality
CFFO/NI = 1.32. Profits backed by cash
FCF $0.2B, FCF/NI = 1.27
Accruals ratio = -0.4%. Low accruals
Cash $0.4B covers debt $0.3B
Balance Sheet Health
Goodwill+Intangibles $0.4B = 19% of equity. Manageable
Insufficient data
Insufficient data
No write-off data
Acquisition Risk
FCF after acquisitions positive
Goodwill+Intangibles change -0% YoY. Normal
Manipulation Score
Insufficient data
Altman Z-Score — Not Applicable
Banner Corporation is a financial company. Z-Score is designed for non-financial companies.
Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-25