Banks isn't underrated. He's been rapping about the same sh*t for over a decade long. He never, ever changes his subject matter. It's been the same sh*t on the agenda since day 1. He'll never grow as an artist. Yes, he's consistent. Yes, he can flow. Yes, he has dope lyrics. But he'll always be in the middle of the pack because he makes little to no effort in being versatile when it comes to subject matter.
You obviously haven't been listening to the new sh*t. He's definitely expanded his subject matter. Not by a whole lot but I don't see the problem b/c he's never really changed. Even with all the experiences being signed and going platinum has given him, at the core he's the same Bank$ we saw spittin' in the booth on Rap City & I don't see a problem with that as long as the music is dope. I mean, that's what we here for right? The music?