Revenue: As of FY2025 Q3, the actual value is USD 226.58 M.EPS: As of FY2025 Q3, the actual value is USD 1.54, beating the estimate of USD 1.4.EBIT: As of FY2025 Q3, the actual value is USD 121.89 M.<h3>Segment Revenue</h3><ul><li>Commercial Real Estate - Owner Occupied: $1,134,559 thousand as of September 30, 2025, compared to $1,027,426 thousand as of December 31, 2024.</li><li>Commercial Real Estate - Investment Properties: $1,652,141 thousand as of September 30, 2025, compared to $1,623,672 thousand as of December 31, 2024.</li><li>Small Balance Commercial Real Estate Loans: $1,210,357 thousand as of September 30, 2025, compared to $1,213,792 thousand as of December 31, 2024.</li><li>Multifamily Real Estate: $860,650 thousand as of September 30, 2025, compared to $894,425 thousand as of December 31, 2024.</li></ul><h3>Operational Metrics</h3><ul><li>Net Income: $53,502 thousand for the three months ended September 30, 2025, compared to $45,153 thousand for the same period in 2024.</li><li>Net Interest Income: $149,989 thousand for the three months ended September 30, 2025, compared to $135,675 thousand for the same period in 2024.</li><li>Provision for Credit Losses: $2,670 thousand for the three months ended September 30, 2025, compared to $1,692 thousand for the same period in 2024.</li></ul><h3>Cash Flow</h3><ul><li>Net Cash Provided from Operating Activities: $232,516 thousand for the nine months ended September 30, 2025, compared to $193,907 thousand for the same period in 2024.</li><li>Net Cash Used by Investing Activities: -$218,195 thousand for the nine months ended September 30, 2025, compared to -$304,621 thousand for the same period in 2024.</li><li>Net Cash Provided from Financing Activities: $156,684 thousand for the nine months ended September 30, 2025, compared to $335,045 thousand for the same period in 2024.</li></ul><h3>Unique Metrics</h3><ul><li>Allowance for Credit Losses - Loans: $159,707 thousand as of September 30, 2025, compared to $155,521 thousand as of December 31, 2024.</li></ul><h3>Future Outlook and Strategy</h3><ul><li>Core Business Focus: Banner Corporation aims to maintain strong asset quality and manage credit risk effectively, as evidenced by the increase in allowance for credit losses and the focus on monitoring loan performance.</li><li>Non-Core Business: The company continues to manage its investment portfolio, with a focus on maintaining liquidity and optimizing returns, as seen in the changes in securities available-for-sale and held-to-maturity.</li></ul>

Banner | 10-Q: FY2025 Q3 Revenue: USD 226.58 M