Overview Dividends

(BOH) Bank of Hawaii - Ratings and Ratios

Exchange: NYSE • Country: United States • Currency: USD • Type: Common Stock • ISIN: US0625401098

Loans, Deposits, Cards, Mortgages, Treasury

BOH EPS (Earnings per Share)

EPS Growth (3Y CAGR): -10.54%
EPS Trend (3Y Correlation): -42.6%

BOH Revenue

Revenue Growth (3Y CAGR): 12.79%
Revenue Trend (3Y Correlation): 89.1%

Risk via 10d forecast
Volatility	27.2%
Value at Risk 5%th	39.4%
Relative Tail Risk	-11.80%

Reward TTM
Sharpe Ratio	-0.52
Alpha	-25.10

Character TTM
Hurst Exponent	0.548
Beta	0.814
Beta Downside	0.826

Drawdowns 3y
Max DD	58.75%
Mean DD	19.93%
Median DD	16.11%

Description: BOH Bank of Hawaii November 10, 2025

Bank of Hawaii Corporation (NYSE: BOH) is the holding company for the Bank of Hawaii, delivering a full suite of banking and wealth-management services across Hawaii, Guam, and other Pacific Islands. It operates through three distinct segments: Consumer Banking (retail deposits, mortgages, credit cards, and private-client services); Commercial Banking (mid-market and large-corporate loans, commercial real-estate financing, cash-management, and merchant services); and Treasury & Other (interest-rate risk hedging and foreign-exchange solutions).

Recent performance metrics show a net interest margin of roughly 3.2 % in Q3 2024, a loan-to-deposit ratio near 78 %-comfortably below the regional-bank average of 85 %-and year-over-year loan growth of 5 % driven largely by residential mortgage demand tied to Hawaii’s tourism-linked economy. The bank’s earnings are also sensitive to Federal Reserve policy; a sustained higher-for-longer rate environment supports net interest income but raises credit-risk concerns for commercial borrowers. Additionally, the regional-bank sector is experiencing modest consolidation, with peer M&A activity creating both competitive pressure and potential acquisition upside for well-capitalized players like BOH.

For a deeper dive into how these dynamics translate into valuation signals, you might find ValueRay’s analytical tools useful for quantifying BOH’s risk-adjusted upside.

BOH Stock Overview

Market Cap in USD	2,613m
Sub-Industry	Regional Banks
IPO / Inception	1984-09-07
Return 12m vs S&P 500	-23.1%
Analyst Rating	3.0 of 5

BOH Dividends

Dividend Yield	4.24%
Yield on Cost 5y	4.59%
Yield CAGR 5y	6.90%
Payout Consistency	97.5%
Payout Ratio	68.6%

BOH Growth Ratios

CAGR 3y	-1.36%
CAGR/Max DD Calmar Ratio	-0.02
CAGR/Mean DD Pain Ratio	-0.07
Current Volume	292.7k
Average Volume	398.3k

Piotroski VR‑10 (Strict, 0-10) 3.0

Net Income (184.1m TTM) > 0 and > 6% of Revenue (6% = 64.3m TTM)

FCFTA 0.01 (>2.0%) and ΔFCFTA 0.59pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)

NWC/Revenue -1534 % (prev -1862 %; Δ 327.3pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp)

CFO/TA 0.01 (>3.0%) and CFO 232.0m > Net Income 184.1m (YES >=105%, WARN >=100%)

Net Debt (-285.3m) to EBITDA (294.0m) ratio: -0.97 <= 3.0 (WARN <= 3.5)

Current Ratio 0.21 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active)

Outstanding Shares last Quarter (40.0m) change vs 12m ago 0.62% (target <= -2.0% for YES)

Gross Margin 65.15% (prev 60.53%; Δ 4.62pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0)

Asset Turnover 4.49% (prev 4.29%; Δ 0.20pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0)

Interest Coverage Ratio 0.72 (EBITDA TTM 294.0m / Interest Expense TTM 367.4m) >= 6 (WARN >= 3)

Altman Z'' -4.03

(A) -0.69 = (Total Current Assets 4.33b - Total Current Liabilities 20.79b) / Total Assets 24.01b

(B) 0.09 = Retained Earnings (Balance) 2.18b / Total Assets 24.01b

(D) 0.09 = Book Value of Equity 1.90b / Total Liabilities 22.22b

Total Rating: -4.03 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 60.83

1. Piotroski 3.0pt = -2.0

2. FCF Yield -24.64% = -5.0

3. FCF Margin 21.89% = 5.47

4. Debt/Equity 0.39 = 2.43

5. Debt/Ebitda -0.97 = 2.50

6. ROIC - WACC (= 1.59)% = 1.99

7. RoE 10.66% = 0.89

8. Rev. Trend 89.12% = 6.68

9. EPS Trend -42.59% = -2.13

What is the price of BOH shares?

As of November 17, 2025, the stock is trading at USD 65.98 with a total of 292,700 shares traded.
Over the past week, the price has changed by +0.09%, over one month by +10.30%, over three months by +2.78% and over the past year by -11.07%.

Is Bank of Hawaii a good stock to buy?

Neither. Based on ValueRay´s Fundamental Analyses, Bank of Hawaii is currently (November 2025) neither a good nor a bad stock to buy. It has a ValueRay Fundamental Rating of 60.83 and therefor a neutral outlook according to the companies health.
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of BOH is around 60.36 USD . This means that BOH is currently overvalued and has a potential downside of -8.52%.

Is BOH a buy, sell or hold?

Bank of Hawaii has received a consensus analysts rating of 3.00. Therefor, it is recommend to hold BOH.

Strong Buy: 1
Buy: 0
Hold: 2
Sell: 2
Strong Sell: 0

What are the forecasts/targets for the BOH price?

Issuer	Target	Up/Down from current
Wallstreet Target Price	71.5	8.4%
Analysts Target Price	71.5	8.4%
ValueRay Target Price	67.8	2.7%

BOH Fundamental Data Overview November 10, 2025

Market Cap USD = 2.61b (2.61b USD * 1.0 USD.USD)
P/E Trailing = 16.0562
P/E Forward = 13.1752
P/S = 3.8566
P/B = 1.8378
P/EG = 2.09
Beta = 0.74
Revenue TTM = 1.07b USD
EBIT TTM = 263.8m USD
EBITDA TTM = 294.0m USD
Long Term Debt = 550.0m USD (from longTermDebt, last fiscal year)
Short Term Debt = 50.0m USD (from shortTermDebt, last quarter)
Debt = 699.9m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -285.3m USD (from netDebt column, last quarter)
Enterprise Value = -953.1m USD (2.61b + Debt 699.9m - CCE 4.27b)
Interest Coverage Ratio = 0.72 (Ebit TTM 263.8m / Interest Expense TTM 367.4m)
FCF Yield = -24.64% (FCF TTM 234.8m / Enterprise Value -953.1m)
FCF Margin = 21.89% (FCF TTM 234.8m / Revenue TTM 1.07b)
Net Margin = 17.17% (Net Income TTM 184.1m / Revenue TTM 1.07b)
Gross Margin = 65.15% ((Revenue TTM 1.07b - Cost of Revenue TTM 373.7m) / Revenue TTM)
Gross Margin QoQ = 70.49% (prev 64.61%)
Tobins Q-Ratio = -0.04 (set to none) (Enterprise Value -953.1m / Total Assets 24.01b)
Interest Expense / Debt = 13.01% (Interest Expense 91.0m / Debt 699.9m)
Taxrate = 21.27% (14.4m / 67.8m)
NOPAT = 207.7m (EBIT 263.8m * (1 - 21.27%))
Current Ratio = 0.21 (Total Current Assets 4.33b / Total Current Liabilities 20.79b)
Debt / Equity = 0.39 (Debt 699.9m / totalStockholderEquity, last quarter 1.79b)
Debt / EBITDA = -0.97 (Net Debt -285.3m / EBITDA 294.0m)
Debt / FCF = -1.22 (Net Debt -285.3m / FCF TTM 234.8m)
Total Stockholder Equity = 1.73b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.77% (Net Income 184.1m / Total Assets 24.01b)
RoE = 10.66% (Net Income TTM 184.1m / Total Stockholder Equity 1.73b)
RoCE = 11.59% (EBIT 263.8m / Capital Employed (Equity 1.73b + L.T.Debt 550.0m))
RoIC = 10.87% (NOPAT 207.7m / Invested Capital 1.91b)
WACC = 9.28% (E(2.61b)/V(3.31b) * Re(9.02%) + D(699.9m)/V(3.31b) * Rd(13.01%) * (1-Tc(0.21)))
Discount Rate = 9.02% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 0.56%
[DCF Debug] Terminal Value 70.58% ; FCFE base≈177.3m ; Y1≈141.3m ; Y5≈95.2m
Fair Price DCF = 37.67 (DCF Value 1.50b / Shares Outstanding 39.8m; 5y FCF grow -24.30% → 3.0% )
EPS Correlation: -42.59 | EPS CAGR: -10.54% | SUE: 0.36 | # QB: 0
Revenue Correlation: 89.12 | Revenue CAGR: 12.79% | SUE: 0.96 | # QB: 1

Additional Sources for BOH Stock

News: Wall Street Journal | Benzinga | Yahoo Finance
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Fund Manager Positions: Dataroma | Stockcircle