BANC vs BOH Stock Comparison
Banc of California, Inc. vs Bank of Hawaii Corporation
BOH leads
BOH leads by 11 AIQ points, primarily on Quality and Risk Resilience.
Stable: 5 of 6 evidence groups support BOH, and its signal state is cleanly positive.
Banc of California, Inc.
Bank of Hawaii Corporation
The Algovestiq AIQ Score currently favors BOH over BANC, 57 versus 46 as of Sep 5, 2026. BOH's advantage is driven primarily by stronger quality and risk resilience, while BANC holds the stronger value profile. BOH also shows the stronger technical structure relative to its 50-day moving average. 5 of 6 covered evidence groups favor BOH today, and the comparison is rated Stable on stability. BOH lead: Stable — the AIQ differential has held near 11 points over 30 sessions.
Compare Banc of California, Inc. and Bank of Hawaii Corporation across the Algovestiq AIQ Score, valuation, quality, momentum, risk, technicals and analyst expectations.
Compare BANC and BOH against another ticker
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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 72BOH +32
- Risk Resilience15%59 vs 81BOH +22
- Value30%58 vs 49BANC +9
- Momentum25%31 vs 36BOH +5
5 of 6 evidence groups favor BOH. BOH’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 +5
New signals
- MACD Bullish Crossover — bullish, momentum, short horizon
BOH's lead was unchanged in the latest snapshot.
Deeper signal detail for each name lives on its own signals page — BANC and BOH both carry a full feed there.
The central trade-off
BOH (Bank of Hawaii 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 15%.
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
BOHBOH on the overall AIQ Score, which weights Quality and Value at 30% each.
Growth
BOHBOH on combined revenue and EPS growth.
Value
BANCBANC on the peer-relative Value factor, by 9 points.
Momentum
BOHBOH on the Momentum factor, by 5 points.
Lower downside
BOHBOH on Risk Resilience, by 22 points.
Analyst upside
BOHBOH 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 | BOH | Note |
|---|---|---|---|
| Implied upside to target | +5.7% | +10.1% | BOH has more room |
| Target dispersion | 0% | 0% | Lower is tighter analyst agreement |
| Consensus | Buy | Hold | Context, not a primary driver |
| Analysts covering | 1 | 2 | Higher coverage generally improves confidence |
Analyst targets are expectations, not predictions. Dispersion matters as much as the midpoint.
AIQ Agreement Matrix
5 of 6 covered evidence groups favor BOH. A wide gap backed by one group is a weaker case than a narrow gap backed by five.
| Evidence group | Favors | Reading |
|---|---|---|
| AIQ Score | BOH | 46 vs 57 |
| Fundamentals | BOH | revenue growth -6.4% vs 2.3%; EPS growth -5% vs 12.1%; gross margin 53.1% vs 69.6%; operating margin -2% vs 28.1% |
| Valuation | BANC | Value 58 vs 49 |
| Technicals | BOH | Price vs 50-day -4.4% vs -3.9%; vs 200-day -1.6% vs 1.6% |
| Risk Resilience | BOH | Risk Resilience 59 vs 81 |
| Analyst expectations | BOH | Target upside 5.7% vs 10.1% |
✓ agrees with the overall verdict · ✕ points the other way. Groups marked “not covered” lack data on one or both of BANC and BOH and are excluded from the count.
AIQ Decision Stability
The conclusion rests on a wide gap and broad agreement. It is unlikely to turn on a single session.
- The AIQ gap is moderate at 11 points.
- 5 of 6 covered evidence groups point the same way. (supports the conclusion holding)
- The lead has been steady session to session. (supports the conclusion holding)
- The leader's signal state is cleanly positive. (supports the conclusion holding)
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 BOH.
How the comparison changed
120 daily snapshots · Apr 23 – Sep 4BOH lead: Stable — the AIQ differential has held near 11 points over 30 sessions.
- Today
- BOH +11
- 46 vs 57
- 7 sessions ago
- BOH +10
- 47 vs 57
- 30 sessions ago
- BOH +10
- 45 vs 55
- 90 sessions ago
- BOH +10
- 56 vs 66
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 / 0 bearish / 1 neutral
- Golden Cross Active — bullish, trend, long horizon (5.71%)
- Bollinger Band Squeeze — neutral, volatility, short horizon
- MACD Bullish Crossover — bullish, momentum, short horizon
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).
Price and the AIQ Score both moved up over the latest session (price +0.7%, 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 32 points behind, the largest single contributor to BOH's edge.
- 2BANC's Bollinger Band Squeeze turns directional — it is neutral today and would confirm a change in trend.
- 3BOH's Golden Cross Active breaks down — it is the strongest rule currently supporting the verdict.
- 4A regime shift changes factor weighting — the composite weights Quality and Value at 30% each, so a rotation toward either would move the result most.
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
BOH leads on balance| Metric | BANC | BOH |
|---|---|---|
| Revenue growth (YoY) | -6.4% | 2.3% |
| EPS growth (YoY) | -5% | 12.1% |
| Gross margin | 53.1% | 69.6% |
| Operating margin | -2% | 28.1% |
| Return on equity (TTM) | -0.6% | 12.8% |
| Debt to equity | 0.95 | 0.05 |
Performance
Split across windows| Metric | BANC | BOH |
|---|---|---|
| 1 week (5 sessions) | 1.7% | -0.1% |
| 1 month (20 sessions) | 1% | -2.6% |
| 3 months (63 sessions) | -1.8% | 0.2% |
| 6 months (126 sessions) | 10.6% | 2.1% |
| Year to date | -1.9% | 12.9% |
| 1 year (252 sessions) | 12.9% | 14.3% |
Technicals
BOH has the stronger structure| Metric | BANC | BOH |
|---|---|---|
| RSI (14) | 37 | 35.3 |
| ADX (14) | 18.3 | 21 |
| Price vs 50-day | -4.4% | -3.9% |
| Price vs 200-day | -1.6% | 1.6% |
| Volatility (1M, annualized) | 24% | 15% |
Risk
BOH is the more resilient| Metric | BANC | BOH |
|---|---|---|
| Beta | 1.1 | 0.63 |
| Sharpe ratio | 0.38 | 0.44 |
| Sortino ratio | 0.45 | 0.64 |
| Max drawdown | -20.6% | -13.1% |
| Current drawdown | -13.3% | -10.1% |
| Annualized volatility | 31.6% | 23.9% |
| Value at risk (95%) | -2.5% | -2.3% |
Straight answers
Each answer is regenerated from the current snapshot, not written once and left to age.
Which is better, BANC or BOH?
On the Algovestiq AIQ Score, BOH is the stronger of the two as of Sep 5, 2026, scoring 57 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 BOH the better buy right now?
BOH carries the stronger systematic profile as of Sep 5, 2026, and the comparison is rated Stable — 5 of 6 covered evidence groups agree. A Stable rating means the gap is wide and the evidence is broad, so the conclusion is unlikely to turn on a single session.
Why does the AIQ Score favor BOH over BANC?
The composite weights Quality at 30%, Value at 30%, Momentum at 25% and Risk Resilience at 15%. BOH leads Quality by 32 points; BOH leads Risk Resilience by 22 points; BANC leads Value by 9 points. Where the two split, the factor with the larger weight carries the result.
Which has more analyst upside, BANC or BOH?
Analyst price targets imply +5.7% upside for BANC and +10.1% for BOH, so the Street currently favors BOH. 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 BOH?
BANC is the better-valued of the two on the peer-relative Value factor. BANC on the peer-relative Value factor, by 9 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 BOH?
BOH 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 BOH?
BOH on the Momentum factor, by 5 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 BOH?
BOH is the more resilient of the two, so the other name carries the higher downside risk. BOH on Risk Resilience, by 22 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 BOH?
BOH leads on the comparable margin measures — gross margin 53.1% vs 69.6%; operating margin -2% vs 28.1%; ttm roe -0.6% vs 12.8%.
Is BOH's lead over BANC getting stronger or weaker?
BOH lead: Stable — the AIQ differential has held near 11 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 BOH verdict?
The result is a state, not a forecast, so it changes when the underlying evidence changes. Concretely: BANC closes the Quality gap — currently 32 points behind, the largest single contributor to BOH's edge; BANC's Bollinger Band Squeeze turns directional — it is neutral today and would confirm a change in trend; BOH's Golden Cross Active breaks down — it is the strongest rule currently supporting the verdict; a regime shift changes factor weighting — the composite weights Quality and Value at 30% each, so a rotation toward either would move the result most.
What do the current signals say about BANC and BOH?
BANC: 2 bullish / 0 bearish / 1 neutral. BOH: 2 bullish / 0 bearish / 1 neutral. The most decision-relevant rule on BANC is Golden Cross Active (bullish, long horizon). On BOH it is Golden Cross Active (bullish, long horizon).
Compare BANC and BOH 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.