(BOH) Bank of Hawaii - Overview
Sector: Financial Services | Industry: Banks - Regional | Exchange: NYSE (USA) | Market Cap: 3.082m USD | Total Return: 19.3% in 12m
Avg Turnover: 27.9M
EPS Trend: -19.4%
Qual. Beats: 0
Rev. Trend: 91.2%
Qual. Beats: 0
Warnings
Below Avwap Earnings
Tailwinds
No distinct edge detected
Bank of Hawaii Corporation (BOH) is a regional bank holding company headquartered in Honolulu, serving Hawaii, Guam, and other Pacific islands. Founded in 1897, the institution operates through three primary segments: Consumer Banking, Commercial Banking, and Treasury and Other. Its portfolio includes traditional deposit products, residential and commercial lending, wealth management, and insurance services.
As a regional bank, BOH relies on a business model centered on the net interest margin, which is the spread between interest earned on loans and interest paid on deposits. The company maintains a dominant market share in the Hawaiian archipelago, a geographic positioning that often provides a stable deposit base but limits expansion to specific island economies. You can evaluate the companys historical valuation trends and dividend safety by reviewing the data on ValueRay.
The Commercial Banking segment focuses on middle-market and large corporate clients, providing specialized services such as merchant processing and cash management. In the Treasury segment, the company manages interest rate risk and foreign exchange services to stabilize the balance sheet against macroeconomic volatility.
- Tourism industry fluctuations impact Hawaiis local commercial and consumer loan demand
- Elevated interest rates pressure net interest margins through higher funding costs
- Heavy concentration in residential real estate exposes the portfolio to property valuation
- Deposit stability depends on maintaining market share within the unique Hawaiian geography
- Federal Reserve monetary policy shifts dictate profitability via asset and liability repricing
| Net Income: 219.3m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 0.40 > 1.0 |
| NWC/Revenue: 37.85% < 20% (prev -1.73k%; Δ 1.77k% < -1%) |
| CFO/TA 0.01 > 3% & CFO 240.1m > Net Income 219.3m |
| Net Debt (315.5m) to EBITDA (310.8m): 1.02 < 3 |
| Current Ratio: 5.43 > 1.5 & < 3 |
| Outstanding Shares: last quarter (40.0m) vs 12m ago 0.26% < -2% |
| Gross Margin: 67.90% > 18% (prev 0.61%; Δ 6.73k% > 0.5%) |
| Asset Turnover: 4.47% > 50% (prev 4.33%; Δ 0.14% > 0%) |
| Interest Coverage Ratio: 0.84 > 6 (EBITDA TTM 310.8m / Interest Expense TTM 333.0m) |
| A: 0.02 (Total Current Assets 495.6m - Total Current Liabilities 91.2m) / Total Assets 23.9b |
| B: 0.09 (Retained Earnings 2.23b / Total Assets 23.9b) |
| C: 0.01 (EBIT TTM 280.3m / Avg Total Assets 23.9b) |
| D: 0.09 (Book Value of Equity 1.98b / Total Liabilities 22.1b) |
| Altman-Z'' = 0.59 = B |
| DSRI: 0.39 (Receivables 70.6m/175.8m, Revenue 1.07b/1.04b) |
| GMI: 0.90 (GM 67.90% / 61.20%) |
| AQI: 1.13 (AQ_t 0.97 / AQ_t-1 0.85) |
| SGI: 1.03 (Revenue 1.07b / 1.04b) |
| TATA: -0.00 (NI 219.3m - CFO 240.1m) / TA 23.9b) |
| Beneish M = -3.52 (Cap -4..+1) = AAA |
As of May 30, 2026, the stock is trading at USD 76.60 with a total of 199,420 shares traded.
Over the past week, the price has changed by -1.05%,
over one month by -0.10%,
over three months by +2.02% and
over the past year by +19.31%.
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 | 86.7 | 13.1% |
P/E Trailing = 15.6835
P/E Forward = 13.1752
P/S = 4.2274
P/B = 2.0417
P/EG = 2.1015
Revenue TTM = 1.07b USD
EBIT TTM = 280.3m USD
EBITDA TTM = 310.8m USD
Long Term Debt = 550.0m USD (from longTermDebt, last quarter)
Short Term Debt = 91.2m USD (from shortTermDebt, last quarter)
Debt = 740.6m USD (corrected: LT Debt 550.0m + ST Debt 91.2m) + Leases 99.4m
Net Debt = 315.5m USD (calculated: Debt 740.6m - CCE 425.1m)
Enterprise Value = 3.40b USD (3.08b + Debt 740.6m - CCE 425.1m)
Interest Coverage Ratio = 0.84 (Ebit TTM 280.3m / Interest Expense TTM 333.0m)
EV/FCF = 15.51x (Enterprise Value 3.40b / FCF TTM 219.1m)
FCF Yield = 6.45% (FCF TTM 219.1m / Enterprise Value 3.40b)
FCF Margin = 20.51% (FCF TTM 219.1m / Revenue TTM 1.07b)
Net Margin = 20.53% (Net Income TTM 219.3m / Revenue TTM 1.07b)
Gross Margin = 67.90% ((Revenue TTM 1.07b - Cost of Revenue TTM 343.0m) / Revenue TTM)
Gross Margin QoQ = 72.31% (prev 68.90%)
Tobins Q-Ratio = 0.14 (Enterprise Value 3.40b / Total Assets 23.9b)
Interest Expense / Debt = 44.97% (Interest Expense 333.0m / Debt 740.6m)
Taxrate = 22.91% (17.1m / 74.5m)
NOPAT = 216.1m (EBIT 280.3m * (1 - 22.91%))
Current Ratio = 5.43 (Total Current Assets 495.6m / Total Current Liabilities 91.2m)
Debt / Equity = 0.40 (Debt 740.6m / totalStockholderEquity, last quarter 1.85b)
Debt / EBITDA = 1.02 (Net Debt 315.5m / EBITDA 310.8m)
Debt / FCF = 1.44 (Net Debt 315.5m / FCF TTM 219.1m)
Total Stockholder Equity = 1.81b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.92% (Net Income 219.3m / Total Assets 23.9b)
RoE = 12.12% (Net Income TTM 219.3m / Total Stockholder Equity 1.81b)
RoCE = 11.88% (EBIT 280.3m / Capital Employed (Equity 1.81b + L.T.Debt 550.0m))
RoIC = 0.90% (NOPAT 216.1m / Invested Capital 23.9b)
WACC = 13.59% (E(3.08b)/V(3.82b) * Re(8.52%) + D(740.6m)/V(3.82b) * Rd(44.97%) * (1-Tc(0.23)))
Discount Rate = 8.52% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 86.67 | Cagr: 0.50%
[DCF] Terminal Value 62.94% ; FCFF base≈180.8m ; Y1≈207.3m ; Y5≈305.1m
[DCF] Fair Price = 51.87 (EV 2.37b - Net Debt 315.5m = Equity 2.06b / Shares 39.6m; r=13.59% [WACC]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: -19.37 | EPS CAGR: -3.06% | SUE: -0.62 | # QB: 0
Revenue Correlation: 91.25 | Revenue CAGR: 6.51% | SUE: 0.54 | # QB: 0
EPS current Quarter (2026-06-30): EPS=1.46 | Chg30d=-0.86% | Revisions=-11% | Analysts=6
EPS next Quarter (2026-09-30): EPS=1.55 | Chg30d=-1.28% | Revisions=-11% | Analysts=6
EPS current Year (2026-12-31): EPS=6.01 | Chg30d=+0.00% | Revisions=+0% | GrowthEPS=+29.8% | GrowthRev=+13.0%
EPS next Year (2027-12-31): EPS=6.97 | Chg30d=+1.50% | Revisions=+40% | GrowthEPS=+16.1% | GrowthRev=+8.1%
[Analyst] Revisions Ratio: +40%