BOH Stock Analysis: Bank of Hawaii | NYSE
Banks - Regional | NYSE, USA | Market Cap: 3.142m USD | 12M Return: 32.4% | US0625401098 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 37.7M
EPS Trend: 32.3%
Qual. Beats: 0
Rev. Trend: 95.3%
Qual. Beats: 0
Warnings
Tailwinds
No distinct edge detected
Seasonality 11.6 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Bank of Hawaii Corporation (BOH) is the bank holding company for Bank of Hawaii, founded in 1897 and headquartered in Honolulu. The company provides a broad range of financial products and services across Hawaii, the U.S. Mainland, Guam, and other Pacific Islands through three operating segments: Consumer Banking, Commercial Banking, and Treasury and Other.
The Consumer Banking segment covers deposits (checking, savings, time deposits), consumer lending (residential mortgages, home equity lines, auto loans and leases, installment loans, credit cards), wealth management, private banking for high-net-worth individuals, and brokerage and insurance products. The Commercial Banking segment serves middle-market and large companies and government entities with commercial and industrial loans, commercial real estate loans, lease financing, auto dealer financing, cash management, merchant services, and international banking. The Treasury and Other segment handles corporate asset and liability management, including interest rate risk management and foreign exchange services.
As a regional bank, BOHs business model is anchored in its concentrated Hawaii and Pacific Island deposit base, which it lends out across consumer and commercial products to generate net interest income, supplemented by fee-based revenue from wealth management, brokerage, insurance, and treasury services. The company has been listed on the NYSE since 1984 and is classified within the Financials sector under the Regional Banks sub-industry.
- Hawaii tourism rebound boosts deposit and loan growth
- Net interest margin compresses as Fed cuts rates
- Commercial real estate loan portfolio faces Hawaii market headwinds
| Net Income: 235.5m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 0.46 > 1.0 |
| NWC/Revenue: 39.94% < 20% (prev -1.69k%; Δ 1.73k% < -1%) |
| CFO/TA 0.01 > 3% & CFO 255.9m > Net Income 235.5m |
| Net Debt (242.4m) to EBITDA (331.2m): 0.73 < 3 |
| Current Ratio: 5.59 > 1.5 & < 3 |
| Outstanding Shares: last quarter (39.8m) vs 12m ago -0.14% < -2% |
| Gross Margin: 69.61% > 18% (prev 62.35%; Δ 7.27% > 0.5%) |
| Asset Turnover: 4.53% > 50% (prev 4.40%; Δ 0.13% > 0%) |
| Interest Coverage Ratio: 0.95 > 6 (EBIT TTM 302.1m / Interest Expense TTM 316.7m) |
| A: 0.02 (Total Current Assets 523.5m - Total Current Liabilities 93.6m) / Total Assets 23.8b |
| B: 0.09 (Retained Earnings 2.26b / Total Assets 23.8b) |
| C: 0.01 (EBIT TTM 302.1m / Avg Total Assets 23.8b) |
| D: 0.09 (Book Value of Equity 1.88b / Total Liabilities 22.0b) |
| Altman-Z'' = 0.60 = B |
| DSRI: 0.40 (Receivables 70.6m/172.7m, Revenue 1.08b/1.04b) |
| GMI: 0.90 (GM 62.35% / 69.61%) |
| AQI: 1.14 (AQ_t 0.97 / AQ_t-1 0.85) |
| SGI: 1.03 (Revenue 1.08b / 1.04b) |
| TATA: -0.00 (NI 235.5m - CFO 255.9m) / TA 23.8b) |
| Beneish M = -3.51 (Cap -4..+1) = AAA |
As of August 08, 2026, the stock is trading at USD 79.28 with a total of 167,080 shares traded. Over the past week, the price has changed by -0.78%, over one month by -4.12%, over three months by +0.17% and over the past year by +32.35%.
Current recommended Stop Loss: 77.00 (which is 2.9% or 1.3 ATR below the current price).
Bank of Hawaii has received a consensus analysts rating of 3.00. Therefore, it is recommended to hold BOH.
- StrongBuy: 1
- Buy: 0
- Hold: 2
- Sell: 2
- StrongSell: 0
| Analysts Target Price | 86.8 | 9.5% |
P/E Trailing = 15.0264
P/E Forward = 9.7182
P/S = 4.1826
P/B = 2.0843
P/EG = 2.1015
Revenue TTM = 1.08b USD
EBIT TTM = 302.1m USD
EBITDA TTM = 331.2m USD
Long Term Debt = 500.0m USD (from longTermDebt, last quarter)
Short Term Debt = 93.6m USD (from shortTermDebt, last quarter)
Debt = 695.3m USD (corrected: LT Debt 500.0m + ST Debt 93.6m) + Leases 101.7m
Net Debt = 242.4m USD (calculated: Debt 695.3m - CCE 452.8m)
Enterprise Value = 3.38b USD (3.14b + Debt 695.3m - CCE 452.8m)
Interest Coverage Ratio = 0.95 (Ebit TTM 302.1m / Interest Expense TTM 316.7m)
EV/FCF = 12.78x (Enterprise Value 3.38b / FCF TTM 264.8m)
FCF Yield = 7.82% (FCF TTM 264.8m / Enterprise Value 3.38b)
FCF Margin = 24.60% (FCF TTM 264.8m / Revenue TTM 1.08b)
Net Margin = 21.88% (Net Income TTM 235.5m / Revenue TTM 1.08b)
Gross Margin = 69.61% ((Revenue TTM 1.08b - Cost of Revenue TTM 327.0m) / Revenue TTM)
Gross Margin QoQ = 71.75% (prev 72.31%)
Tobins Q-Ratio = 0.14 (Enterprise Value 3.38b / Total Assets 23.8b)
Interest Expense / Debt = 45.55% (Interest Expense 316.7m / Debt 695.3m)
Taxrate = 22.02% (66.5m / 302.0m)
NOPAT = 235.6m (EBIT 302.1m * (1 - 22.02%))
Current Ratio = 5.59 (Total Current Assets 523.5m / Total Current Liabilities 93.6m)
Debt / Equity = 0.37 (Debt 695.3m / totalStockholderEquity, last quarter 1.88b)
Debt / EBITDA = 0.73 (Net Debt 242.4m / EBITDA 331.2m)
Debt / FCF = 0.92 (Net Debt 242.4m / FCF TTM 264.8m)
Total Stockholder Equity = 1.84b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.99% (Net Income 235.5m / Total Assets 23.8b)
RoE = 12.78% (Net Income TTM 235.5m / Total Stockholder Equity 1.84b)
RoCE = 12.89% (EBIT 302.1m / Capital Employed (Equity 1.84b + L.T.Debt 500.0m))
RoIC = 0.99% (NOPAT 235.6m / Invested Capital 23.8b)
WACC = 13.24% (E(3.14b)/V(3.84b) * Re(8.31%) + D(695.3m)/V(3.84b) * Rd(45.55%) * (1-Tc(0.22)))
Discount Rate = 8.31% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 83.20 | Cagr: 0.24%
[DCF] Terminal Value 63.82% ; FCFF base≈221.0m ; Y1≈253.3m ; Y5≈372.8m
[DCF] Fair Price = 69.74 (EV 2.99b - Net Debt 242.4m = Equity 2.75b / Shares 39.5m; r=13.24% [WACC]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 32.29 | EPS CAGR: 5.36% | SUE: 0.15 | # QB: 0
Revenue Correlation: 95.28 | Revenue CAGR: 4.81% | SUE: 0.54 | # QB: 0
EPS current Quarter (2026-09-30): EPS=1.51 | Chg30d=-2.27% | Revisions=-12% | Analysts=7
EPS current Year (2026-12-31): EPS=5.96 | Chg30d=-0.88% | Revisions=+0% | GrowthEPS=+28.6% | GrowthRev=+11.9%
EPS next Year (2027-12-31): EPS=6.68 | Chg30d=-4.25% | Revisions=+0% | GrowthEPS=+12.1% | GrowthRev=+6.6%
[Analyst] Revisions Ratio: -6% (up=6, down=7)