公司战略和发展方向和行业竞争 - 公司今日的演示讨论了业务前景，包含前瞻性陈述，这些陈述涵盖管理层对未来运营、产品或服务的计划、目标描述，财务或其他绩效指标的预测，以及公司对经济和其他状况的总体展望 [2] 管理层对经营环境和未来前景的评论 - 前瞻性陈述面临诸多风险和不确定性，实际结果可能与今日讨论有重大差异，可能导致实际结果不同的风险因素信息可从昨日发布的收益新闻稿中获取 [3]

Banner Corporation (NASDAQ:BANR) Q4 2024 Earnings Conference Call January 23, 2025 11:00 AM ET Company Participants Mark Grescovich - President and Chief Executive Officer Rich Arnold - Head of Investor Relations Jill Rice - Chief Credit Officer Robert Butterfield - Chief Financial Officer Conference Call Participants Jeff Rulis - D.A. Davidson Andrew Terrell - Stephens, Inc David Feaster - Raymond James Andrew Liesch - Piper Sandler Kelly Motta - KBW Operator Hello, everyone, and welcome to the Banner Corp ...

业绩总结 - 第四季度HFI贷款增长1.3亿美元，年化增长率为5%[6] - 净收入为4640万美元，较上一季度的4520万美元有所增加[7] - 总贷款发放（不包括HFS）为8.02亿美元[7] - 净利差（税后等值）增加10个基点，达到3.82%[7] - 平均资产回报率为1.15%，平均股本回报率为10.35%[7] - 不良资产占总资产的比例保持在0.24%，较上季度下降4个基点[7] 成本与效率 - 总融资成本下降13个基点，存款成本下降8个基点[7] - 效率比率（GAAP）下降68个基点，调整后的非GAAP效率比率下降53个基点，分别为61.95%和60.74%[7] 贷款与资产 - 办公室贷款余额为622.2百万美元，55%为自住型贷款[58] - 零售（商业房地产担保）贷款余额为1,304.0百万美元，53%为自住型贷款[58] - 医疗办公室贷款余额为163.1百万美元，51%为自住型贷款[58] - 多户住宅贷款余额为894.4百万美元，0%为自住型贷款[58] - 信贷损失准备金总额为168.7百万美元，贷款的覆盖率为1.37%[60][61] - 非表现资产（NPA）在2024年12月31日为4000万美元，占总资产的0.24%[63] 未来展望与分红 - 宣布每股派息0.48美元，将于2025年2月支付[7] - 贷款损失准备金占总贷款的1.37%[7] - 办公室贷款中，12个月内到期的贷款余额为68.9百万美元[58] - 零售（商业房地产担保）贷款中，12个月内到期的贷款余额为112.2百万美元[58] - 医疗办公室贷款中，12个月内到期的贷款余额为10.8百万美元[58] - 多户住宅贷款中，12个月内到期的贷款余额为114.5百万美元[58]

For the quarter ended December 2024, Banner (BANR) reported revenue of $160.57 million, up 5.3% over the same period last year. EPS came in at $1.33, compared to $1.34 in the year-ago quarter.The reported revenue represents a surprise of +4.60% over the Zacks Consensus Estimate of $153.5 million. With the consensus EPS estimate being $1.22, the EPS surprise was +9.02%.While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expec ...

Banner (BANR) came out with quarterly earnings of $1.33 per share, beating the Zacks Consensus Estimate of $1.22 per share. This compares to earnings of $1.34 per share a year ago. These figures are adjusted for non-recurring items.This quarterly report represents an earnings surprise of 9.02%. A quarter ago, it was expected that this regional bank would post earnings of $1.18 per share when it actually produced earnings of $1.30, delivering a surprise of 10.17%.Over the last four quarters, the company has ...

Exhibit 99.1 CONTACT: MARK J. GRESCOVICH, PRESIDENT & CEO ROBERT G. BUTTERFIELD, CFO (509) 527-3636 NEWS RELEASE Banner Corporation Reports Net Income of $46.4 Million, or $1.34 Per Diluted Share, for Fourth Quarter 2024; At December 31, 2024, Banner, on a consolidated basis, had $16.20 billion in assets, $11.20 billion in net loans and $13.51 billion in deposits. Banner operates 135 full-service branch offices, including branches located in eight of the top 20 largest western Metropolitan Statistical Areas ...

In its upcoming report, Banner (BANR) is predicted by Wall Street analysts to post quarterly earnings of $1.22 per share, reflecting a decline of 9% compared to the same period last year. Revenues are forecasted to be $153.5 million, representing a year-over-year increase of 0.7%.The current level reflects no revision in the consensus EPS estimate for the quarter over the past 30 days. This demonstrates how the analysts covering the stock have collectively reappraised their initial projections over this per ...

The Zacks Savings and Loan industry is expected to benefit from the Federal Reserve’s interest rate cuts. This is likely to support a decent rise in loan demand. Also, relatively lower rates will stabilize funding costs over time, supporting net interest income (NII) and net interest margin (NIM) expansion.The digitization of operations and a stable deposit base are anticipated to support industry players in the near term. Thus, some of the industry players like Banner Corporation (BANR) , HomeStreet, Inc. ...

核心观点 - 公司Banner (BANR) 在金融行业中表现优异，年初至今的回报率为34.2%，超过了金融行业平均的23.8% [1][4] - 公司Banner 和 Berkshire Hathaway B (BRK.B) 是金融行业中表现突出的股票，值得投资者关注 [6] 公司表现 - 公司Banner 是金融行业871只股票中的一员，目前持有Zacks Rank 2 (Buy)，表明分析师对其未来表现持乐观态度 [2][3] - 公司Banner 的全年盈利预测在过去90天内上调了3.6%，显示出分析师对其盈利前景的积极看法 [3] - 公司Banner 年初至今的回报率为34.2%，超过了金融行业平均的23.8% [4] - 公司Berkshire Hathaway B 年初至今的回报率为27.6%，也超过了金融行业平均水平 [4] - 公司Berkshire Hathaway B 的当前年度EPS预测在过去三个月内增加了0.3%，目前持有Zacks Rank 2 (Buy) [5] 行业表现 - 金融行业在Zacks Sector Rank中排名第一，涵盖16个不同的组别，衡量各组内个股的平均Zacks Rank [2] - 金融-储蓄和贷款行业包含28只股票，目前在Zacks Industry Rank中排名第19，该行业年初至今的平均回报率为20.6% [5] - 保险-财产和意外伤害行业包含40只股票，目前在Zacks Industry Rank中排名第26，该行业年初至今的回报率为27.2% [6]

文章核心观点 - Alignment Health Plan通过与Arizona Priority Care的合作，在Maricopa County扩大了其Medicare Advantage (MA)计划的覆盖范围，增加了超过4,500名初级保健提供者、专科医生和医院，包括Banner Health的十多家医院 [1] 公司动态 - Alignment Health Plan在Arizona进入第四年，通过与Arizona Priority Care的合作，增加了Banner Health等大型医院系统，增强了在Maricopa County提供顶级医疗服务的能力 [2] - Arizona Priority Care自2022年起与Alignment Health Plan合作，此次扩展将进一步扩大其网络，提供更多服务和专科护理选项 [3] 服务与产品 - 2025年，Alignment Health Plan在Maricopa County提供四种HMO选项，包括针对慢性心脏病和糖尿病患者的特殊需求计划，以及为不断增长的西班牙裔人口定制的计划，提供西班牙语服务和材料 [3] 公司背景 - Alignment Health致力于为老年人提供高质量、低成本的护理，通过其定制的护理模式、24/7的礼宾护理团队和AVA®技术，与全国知名的本地提供商合作，提供协调护理 [5]