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BANR

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Nasdaq / Banks
Last Price
Quote time unavailable
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Current thesis
Acquired deposits and organic lending support net interest income while integration costs fade. Q3 tax-equivalent net interest margin was 4.14%, versus 4.13% in Q2, and core deposits represented 90% of quarter-end deposits.
Posture
Constructive
Lead driver
Value
What changed
Value remains the lead driver in the composite, 7D delta +0.4.
What can break
Higher funding costs partly offset Q3 interest-income growth, and merger-related costs totaled $5.2 million. [#SEC-8K-2026-10-21]
Momentum
52
Value
59
Sentiment
61
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $74.00 · Bull $84.00 · Bear $58.00Analysis 2026-10-26; returns require an exact persisted reference.
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-10-29 • Vendor: Data Vendor v1
Scores
As of 2026-10-29 • Model: HYBRID_IC_RP
AI Memo
As of 2026-10-26 • Model: RankAlpha Sentiment Codex
Investment thesis
As of 2026-10-29

Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-10-29. Definitions

Supporting evidence
What
Grade B · Constructive
Confidence Medium · Net Neutral
Target $76.17
Why
Momentum52 · Δ7d +2.8
Value59 · Δ7d +0.4
Sentiment61 · Δ7d +1.0
So what
Strength-led posture (Net Neutral). Favor watchlist adds and disciplined entries.

Confirming evidence

  • • Value remains the lead driver in the composite, 7D delta +0.4.

Contradictions & invalidation

  • • Higher funding costs partly offset Q3 interest-income growth, and merger-related costs totaled $5.2 million. [#SEC-8K-2026-10-21]
  • • No verified quantitative post-print guidance or broad analyst-estimate revision set was available.
  • • The adjusted earnings and revenue misses, higher merger expense, and rising non-performing loans leave integration benefits unproven.

Catalyst clock

2026-11-13

Declared quarterly dividend

Lead driver: Value · See fundamentals
Momentum
52
8% active weight
Current posture
7d trendSoftening
Δ7d
+2.8
Δ21d
-2.4
Value
59
47% active weight
Current posture
7d trendFlat
Δ7d
+0.4
Δ21d
-0.5
Sentiment
61
45% active weight
Current posture
7d trendFlat
Δ7d
+1.0
Δ21d
-7.0
Why this grade

Composite grade B. Momentum 51.8 / Value 58.6 / Sentiment 61.1

Scenario snapshot

Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2026-10-26. Scenario method

B+
Bull case
25%
Probability
Target price
$84.00
Analysis reference price unavailable
Analysis 2026-10-26 · RankAlpha Sentiment Codex
Most likely
B
Base case
50%
Probability
Target price
$74.00
Analysis reference price unavailable
Analysis 2026-10-26 · RankAlpha Sentiment Codex
B-
Bear case
25%
Probability
Target price
$58.00
Analysis reference price unavailable
Analysis 2026-10-26 · RankAlpha Sentiment Codex
Fundamentals (TTM)
As of 2026-10-29
Market Cap
$2.54B
Beta
0.90
Shares Out
36.64M
P/E (TTM)
11.6
P/S (TTM)
3.33
P/FCF (TTM)
8.54
Rev YoY
+1.6%
EPS YoY
+9.4%
Gross Margin
-
Op Margin
+28.8%
Net Debt
$189.85M
Current Ratio
0.06
As of 2026-10-29 • Updated nightlySource: Internal modelMethods & Data