Banner Corporation (BANR) vs Upstart Holdings, Inc. (UPST)
A side-by-side comparison of Banner Corporation and Upstart Holdings, Inc. across valuation, profitability, dividends, and growth — built entirely from reported fundamentals, as of October 6, 2026. Differences are shown without an overall score or investment verdict.
Total return — BANR vs UPST
growth of $100 · dividends reinvested · last 6yBANR vs UPST: by the numbers
- •UPST is the larger company ($2.28B vs $2.28B market cap).
- •BANR trades at the lower trailing earnings multiple (11.08 vs 46.66 P/E), one valuation lens rather than an overall verdict.
- •BANR converts more revenue to profit (31.24% vs 4.69% net margin).
- •UPST grew revenue faster over the past five years (22.79% vs 1.01% CAGR).
- •BANR pays a dividend (3.03% yield), while UPST has no payments in the available dividend history.
Metrics side by side
Valuation
| Metric | BANR | UPST |
|---|---|---|
| P/E ratio | 11.08 | 46.66 |
| Forward P/E | 11.27 | 35.20 |
| PEG ratio | 0.96 | 3.25 |
| P/S ratio | 3.42 | 1.78 |
| P/B ratio | 1.14 | 2.86 |
Profitability
| Metric | BANR | UPST |
|---|---|---|
| Operating margin | 29.45% | 4.80% |
| Net margin | 31.24% | 4.69% |
| ROE | 10.42% | 7.57% |
Banner Corporation: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.
Upstart Holdings, Inc.: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.
Dividends
| Metric | BANR | UPST |
|---|---|---|
| Dividend yield | 3.03% | N/A |
| Payout ratio | 33.66% | N/A |
Growth (annualized)
| Metric | BANR | UPST |
|---|---|---|
| Revenue CAGR (5Y) | 1.01% | 22.79% |
| EPS CAGR (5Y) | 11.50% | 15.71% |
| Total return CAGR (5Y) | 6.88% | -39.34% |
Frequently asked
- Which has the lower trailing P/E, BANR or UPST?
- BANR has the lower trailing P/E: BANR trades at 11.08 and UPST at 46.66. P/E is one valuation measure and does not by itself establish which business is cheaper.
- Which has grown faster, BANR or UPST?
- Over the past five years, UPST grew revenue faster — BANR at a 1.01% CAGR versus UPST at 22.79%.
- Does BANR or UPST pay a bigger dividend?
- BANR pays a dividend (3.03% yield), while UPST has no payments in the available dividend history.
- Is BANR or UPST more profitable?
- BANR runs the higher net margin — BANR at 31.24% versus UPST at 4.69%.
- How have BANR and UPST total returns compared?
- Over the past 5 years, BANR delivered 6.88% and UPST delivered -39.34% annualized total return. Past performance doesn't predict future results.
Go deeper
Dig into the metrics
Banner & Upstart appear in these rankings
Figures are sourced from reported fundamentals and the latest end-of-day price. This comparison is informational only and is not investment advice. Past performance does not predict future results. See our methodology. Compiled by TGMCharts Research · data verified October 6, 2026.