BANC vs BANR Stock Comparison
Banc of California, Inc. vs Banner Corporation
BANR leads
BANR leads by 14 AIQ points, primarily on Quality and Risk Resilience, but the lead has narrowed from 22 points over 30 sessions.
Competitive: 4 of 6 evidence groups support BANR, its lead is narrowing, and its current signal state is conflicted.
Banc of California, Inc.
Banner Corporation
The Algovestiq AIQ Score currently favors BANR over BANC, 60 versus 46 as of Sep 5, 2026. BANR's advantage is driven primarily by stronger quality and risk resilience, while BANC holds the stronger value profile. BANR also shows the stronger technical structure relative to its 50-day moving average. 4 of 6 covered evidence groups favor BANR today, and the comparison is rated Competitive on stability: the leader's advantage has been narrowing. BANR lead: Weakening — the AIQ differential moved from 22 to 14 points over 30 sessions.
Compare Banc of California, Inc. and Banner Corporation across the Algovestiq AIQ Score, valuation, quality, momentum, risk, technicals and analyst expectations.
Compare BANC and BANR against another ticker
Open a multi-ticker workspace without changing this focused pair page.
AIQ Factor Divergence
Where the two separate, on the four dimensions behind the AIQ Score. Bars read outward from a shared zero: further from the centre is a wider gap.
- Quality30%40 vs 67BANR +27
- Risk Resilience15%59 vs 80BANR +21
- Momentum25%31 vs 50BANR +19
- Value30%58 vs 50BANC +8
4 of 6 evidence groups favor BANR. BANR’s edge is concentrated in quality and risk resilience; BANC keeps a meaningful value edge.
What changed since the last close
Latest scored session 2026-09-04, compared against the prior scored session 2026-09-03.
Largest factor move: Momentum +3
No new signals fired.
Largest factor move: Momentum +2
New signals
- EMA Ribbon Compression — neutral, trend, medium horizon
BANR's lead was unchanged in the latest snapshot.
Deeper signal detail for each name lives on its own signals page — BANC and BANR both carry a full feed there.
The central trade-off
BANR (Banner Corporation): the stronger current systematic profile, led by quality and risk resilience.
BANC (Banc of California, Inc.): the counter-case, on value, valuation — but at materially higher volatility, 24% against 18.8%.
Which one fits your objective
The same two names rank differently depending on what you are optimizing for. All six reads are shown at once — none of them is hidden behind a toggle.
Balanced
BANRBANR on the overall AIQ Score, which weights Quality and Value at 30% each.
Growth
BANCBANC on combined revenue and EPS growth.
Value
BANCBANC on the peer-relative Value factor, by 8 points.
Momentum
BANRBANR on the Momentum factor, by 19 points.
Lower downside
BANRBANR on Risk Resilience, by 21 points.
Analyst upside
BANRBANR on implied upside to the consensus price target.
AIQ vs Wall Street
Where the systematic read and the analyst consensus line up — and where they do not.
| Measure | BANC | BANR | Note |
|---|---|---|---|
| Implied upside to target | +5.7% | +6.8% | BANR has more room |
| Target dispersion | 0% | 0% | Lower is tighter analyst agreement |
| Consensus | Buy | Buy | Context, not a primary driver |
| Analysts covering | 1 | 1 | Higher coverage generally improves confidence |
Analyst targets are expectations, not predictions. Dispersion matters as much as the midpoint.
AIQ Agreement Matrix
4 of 6 covered evidence groups favor BANR. A wide gap backed by one group is a weaker case than a narrow gap backed by five.
| Evidence group | Favors | Reading |
|---|---|---|
| AIQ Score | BANR | 46 vs 60 |
| Fundamentals | Even | revenue growth -6.4% vs -72.8%; EPS growth -5% vs -11.2%; gross margin 53.1% vs 77.7%; operating margin -2% vs 19.4% |
| Valuation | BANC | Value 58 vs 50 |
| Technicals | BANR | Price vs 50-day -4.4% vs 1.5%; vs 200-day -1.6% vs 9.1% |
| Risk Resilience | BANR | Risk Resilience 59 vs 80 |
| Analyst expectations | BANR | Target upside 5.7% vs 6.8% |
✓ agrees with the overall verdict · ✕ points the other way. Groups marked “not covered” lack data on one or both of BANC and BANR and are excluded from the count.
AIQ Decision Stability
The two are close enough that your objective, not the score, should decide.
- The AIQ gap is wide at 14 points. (supports the conclusion holding)
- The leader's advantage has been narrowing. (argues the conclusion is provisional)
- The leader is throwing conflicting signals. (argues the conclusion is provisional)
Stability combines the score gap, how broadly the evidence agrees, how steady the lead has been across daily snapshots, the current signal state on both names, and analyst dispersion on BANR.
How the comparison changed
120 daily snapshots · Apr 23 – Sep 4BANR lead: Weakening — the AIQ differential moved from 22 to 14 points over 30 sessions.
- Today
- BANR +14
- 46 vs 60
- 7 sessions ago
- BANR +14
- 47 vs 61
- 30 sessions ago
- BANR +22
- 45 vs 67
- 90 sessions ago
- BANR +8
- 56 vs 64
The lead has not changed hands in this window.
AIQ Signal Divergence
Only the signals that bear on the head-to-head. A conflicted name is carrying bullish and bearish rules at the same time — the technical evidence is not pointing one way.
2 bullish / 0 bearish / 1 neutral
- Golden Cross Active — bullish, trend, long horizon (3.00%)
- Bollinger Band Squeeze — neutral, volatility, short horizon
- MACD Bullish Crossover — bullish, momentum, short horizon
2 bullish / 1 bearish / 2 neutral, conflicted
- Golden Cross Active — bullish, trend, long horizon (7.48%)
- Bollinger Band Squeeze — neutral, volatility, short horizon
- Uptrend Structure Active — bullish, trend, long horizon
BANR leads the comparison while carrying a conflicted signal state, which is one reason the stability rating is not higher.
Price vs model alignment
Whether the latest session's price move confirms what the model did over the same session, or contradicts it.
Price and the AIQ Score both moved up over the latest session (price +0.8%, AIQ +1 points).
Neither the price nor the AIQ Score moved enough in the latest session to confirm or contradict the other (price +0.04%, AIQ +1 points).
What would flip this result
A state, not a forecast. These are the specific, observable changes that would reverse the verdict — not a price prediction.
- 1BANC closes the Quality gap — currently 27 points behind, the largest single contributor to BANR's edge.
- 2BANC's Bollinger Band Squeeze turns directional — it is neutral today and would confirm a change in trend.
- 3BANR's conflicting signal state resolves bearish — it currently carries 2 bullish and 1 bearish rules at once.
- 4The narrowing continues — the lead has already given back 8 points over 30 sessions, and a further 14-point move would eliminate BANR's advantage entirely.
The full evidence
Every number behind the verdict. The leader is called above each group so you are not left to solve it from the table.
Fundamentals
Split| Metric | BANC | BANR |
|---|---|---|
| Revenue growth (YoY) | -6.4% | -72.8% |
| EPS growth (YoY) | -5% | -11.2% |
| Gross margin | 53.1% | 77.7% |
| Operating margin | -2% | 19.4% |
| Return on equity (TTM) | -0.6% | 10.7% |
| Debt to equity | 0.95 | 0.27 |
Performance
Split across windows| Metric | BANC | BANR |
|---|---|---|
| 1 week (5 sessions) | 1.7% | 0.9% |
| 1 month (20 sessions) | 1% | 0.7% |
| 3 months (63 sessions) | -1.8% | 9.7% |
| 6 months (126 sessions) | 10.6% | 17.7% |
| Year to date | -1.9% | 13.5% |
| 1 year (252 sessions) | 12.9% | 6.7% |
Technicals
BANR has the stronger structure| Metric | BANC | BANR |
|---|---|---|
| RSI (14) | 37 | 36.8 |
| ADX (14) | 18.3 | 14.5 |
| Price vs 50-day | -4.4% | 1.5% |
| Price vs 200-day | -1.6% | 9.1% |
| Volatility (1M, annualized) | 24% | 18.8% |
Risk
BANR is the more resilient| Metric | BANC | BANR |
|---|---|---|
| Beta | 1.1 | 0.44 |
| Sharpe ratio | 0.38 | 0.16 |
| Sortino ratio | 0.45 | 0.23 |
| Max drawdown | -20.6% | -14.3% |
| Current drawdown | -13.3% | -3.9% |
| Annualized volatility | 31.6% | 24.5% |
| Value at risk (95%) | -2.5% | -2.1% |
Straight answers
Each answer is regenerated from the current snapshot, not written once and left to age.
Which is better, BANC or BANR?
On the Algovestiq AIQ Score, BANR is the stronger of the two as of Sep 5, 2026, scoring 60 against BANC's 46. The edge comes from quality and risk resilience. BANC is not without a case — it holds the better value profile, which matters more if that is the objective you are optimizing for. This is a systematic score, not a recommendation: it ranks the two on the same evidence, it does not know your holding period or tax position.
Is BANC or BANR the better buy right now?
BANR carries the stronger systematic profile as of Sep 5, 2026, and the comparison is rated Competitive — 4 of 6 covered evidence groups agree. A Competitive rating means the two are close enough that your objective, not the score, should decide.
Why does the AIQ Score favor BANR over BANC?
The composite weights Quality at 30%, Value at 30%, Momentum at 25% and Risk Resilience at 15%. BANR leads Quality by 27 points; BANR leads Risk Resilience by 21 points; BANR leads Momentum by 19 points. Where the two split, the factor with the larger weight carries the result.
Which has more analyst upside, BANC or BANR?
Analyst price targets imply +5.7% upside for BANC and +6.8% for BANR, so the Street currently favors BANR. The model and the Street agree here, which is a broader base of evidence than either alone. Analyst targets are expectations, not predictions, and dispersion matters as much as the midpoint.
Which is better value, BANC or BANR?
BANC is the better-valued of the two on the peer-relative Value factor. BANC on the peer-relative Value factor, by 8 points. The Value factor reads valuation relative to sector peers and to the company's own fundamental quality, so it is not the same as simply having the lower multiple.
Which has stronger growth, BANC or BANR?
BANC on combined revenue and EPS growth. Growth here is measured on reported revenue and earnings, not on forward estimates — it describes what the businesses have delivered, not what the Street expects next.
Which has stronger momentum, BANC or BANR?
BANR on the Momentum factor, by 19 points. Momentum carries 25% of the AIQ composite. It has documented persistence over three- to twelve-month horizons, which makes it a timing input rather than a reason to hold something indefinitely.
Which is riskier, BANC or BANR?
BANR is the more resilient of the two, so the other name carries the higher downside risk. BANR on Risk Resilience, by 21 points. The Risk Resilience factor weights 15% of the composite; position sizing usually responds to it more usefully than the buy/avoid decision does.
Is BANC more profitable than BANR?
BANR leads on the comparable margin measures — gross margin 53.1% vs 77.7%; operating margin -2% vs 19.4%; ttm roe -0.6% vs 10.7%.
Is BANR's lead over BANC getting stronger or weaker?
BANR lead: Weakening — the AIQ differential moved from 22 to 14 points over 30 sessions. This is measured from 120 daily comparison snapshots between 2026-04-23 and 2026-09-04. The lead has not changed hands in that window.
What would change the BANC vs BANR verdict?
The result is a state, not a forecast, so it changes when the underlying evidence changes. Concretely: BANC closes the Quality gap — currently 27 points behind, the largest single contributor to BANR's edge; BANC's Bollinger Band Squeeze turns directional — it is neutral today and would confirm a change in trend; BANR's conflicting signal state resolves bearish — it currently carries 2 bullish and 1 bearish rules at once; the narrowing continues — the lead has already given back 8 points over 30 sessions, and a further 14-point move would eliminate BANR's advantage entirely.
What do the current signals say about BANC and BANR?
BANC: 2 bullish / 0 bearish / 1 neutral. BANR: 2 bullish / 1 bearish / 2 neutral, conflicted. A conflicted state means bullish and bearish rules are active on the same name at once — the technical evidence is not pointing one way, and a decision taken on it carries more timing risk. The most decision-relevant rule on BANC is Golden Cross Active (bullish, long horizon). On BANR it is Golden Cross Active (bullish, long horizon).
Compare BANC and BANR with others
How this comparison is scored
The Algovestiq AIQ Score composites four factors — Quality (30%), Value (30%), Momentum (25%) and Risk (15%). Sentiment is reported separately as SentimentPulse and is not folded into the composite. Scores refresh every trading day, and this page regenerates from the latest snapshot rather than being written once.
The verdict names a leader, states how broadly six independent evidence groups agree, and rates how durable that conclusion is given the score gap, its recent trajectory and the current signal state on both names.
How to use side-by-side comparison →This comparison is informational and educational, not investment advice. AIQ scores update daily; re-check after earnings, guidance or macro data that materially changes either name’s factor profile.