(BOH) Bank of Hawaii - Ratings and Ratios
Loans, Deposits, Credit, Cash, Cards
BOH EPS (Earnings per Share)
BOH Revenue
Description: BOH Bank of Hawaii
Bank of Hawaii Corporation (NYSE:BOH) is a regional bank operating in the United States, categorized under the GICS Sub Industry of Regional Banks. Its common stock is listed on the NYSE.
The companys financial health can be evaluated through key performance indicators such as Return on Equity (RoE), which stands at 10.09%. This metric indicates the banks ability to generate profits from shareholders equity. Additionally, the Price-to-Earnings (P/E) ratio is 16.24, suggesting that investors are willing to pay $16.24 for every dollar of earnings. The forward P/E ratio is lower at 13.18, potentially indicating expected growth in earnings.
Regional banks like BOH are sensitive to local economic conditions, interest rates, and regulatory environments. Key economic drivers include the overall health of the US economy, particularly in Hawaii where the bank operates, interest rate changes by the Federal Reserve, and housing market trends. The banks performance is also influenced by its ability to manage credit risk, maintain efficient operations, and adapt to changing consumer banking behaviors.
With a market capitalization of $2.46 billion, BOH is considered a mid-cap stock. Its beta of 0.750 suggests that the stock is less volatile than the overall market, potentially making it more attractive to risk-averse investors. The banks stock price has fluctuated, with a 52-week high of $78.21 and a low of $58.96, indicating some level of market volatility.
To assess the investment potential of BOH, one would need to analyze its income statement, particularly the Income Tax Expense, to understand the impact of tax obligations on its net income. Other critical factors include the banks loan portfolio quality, deposit growth, and the efficiency of its operations as measured by the efficiency ratio.
BOH Stock Overview
| Market Cap in USD | 2,600m |
| Sub-Industry | Regional Banks |
| IPO / Inception | 1984-09-07 |
BOH Stock Ratings
| Growth Rating | -28.7% |
| Fundamental | 65.2% |
| Dividend Rating | 69.9% |
| Return 12m vs S&P 500 | -18.5% |
| Analyst Rating | 3.0 of 5 |
BOH Dividends
| Dividend Yield 12m | 5.73% |
| Yield on Cost 5y | 7.85% |
| Annual Growth 5y | 6.90% |
| Payout Consistency | 97.5% |
| Payout Ratio | 73.5% |
BOH Growth Ratios
| Growth Correlation 3m | 8.8% |
| Growth Correlation 12m | -53.1% |
| Growth Correlation 5y | -32.1% |
| CAGR 5y | -2.30% |
| CAGR/Max DD 3y (Calmar Ratio) | -0.04 |
| CAGR/Mean DD 3y (Pain Ratio) | -0.12 |
| Sharpe Ratio 12m | -2.01 |
| Alpha | -17.81 |
| Beta | 0.792 |
| Volatility | 30.59% |
| Current Volume | 595.4k |
| Average Volume 20d | 291.7k |
| Stop Loss | 59.2 (-3.2%) |
| Signal | 0.08 |
Piotroski VR‑10 (Strict, 0-10) 3.0
| Net Income (171.1m TTM) > 0 and > 6% of Revenue (6% = 62.5m TTM) |
| FCFTA 0.01 (>2.0%) and ΔFCFTA -0.45pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue -1690 % (prev -1860 %; Δ 169.8pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.01 (>3.0%) and CFO 174.3m > Net Income 171.1m (YES >=105%, WARN >=100%) |
| Net Debt (-68.1m) to EBITDA (251.2m) ratio: -0.27 <= 3.0 (WARN <= 3.5) |
| Current Ratio 0.16 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (39.9m) change vs 12m ago 0.70% (target <= -2.0% for YES) |
| Gross Margin 62.30% (prev 61.12%; Δ 1.18pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 4.43% (prev 4.30%; Δ 0.13pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 0.58 (EBITDA TTM 251.2m / Interest Expense TTM 379.4m) >= 6 (WARN >= 3) |
Altman Z'' -4.42
| (A) -0.74 = (Total Current Assets 3.28b - Total Current Liabilities 20.88b) / Total Assets 23.71b |
| (B) 0.09 = Retained Earnings (Balance) 2.16b / Total Assets 23.71b |
| (C) 0.01 = EBIT TTM 220.8m / Avg Total Assets 23.51b |
| (D) 0.08 = Book Value of Equity 1.86b / Total Liabilities 21.97b |
| Total Rating: -4.42 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 65.16
| 1. Piotroski 3.0pt = -2.0 |
| 2. FCF Yield 71.40% = 5.0 |
| 3. FCF Margin 14.91% = 3.73 |
| 4. Debt/Equity 0.40 = 2.42 |
| 5. Debt/Ebitda -0.27 = 2.50 |
| 6. ROIC - WACC (= 0.00)% = 0.00 |
| 7. RoE 10.09% = 0.84 |
| 8. Rev. Trend 83.69% = 6.28 |
| 9. EPS Trend -72.14% = -3.61 |
What is the price of BOH shares?
Over the past week, the price has changed by -2.19%, over one month by -8.67%, over three months by -9.31% and over the past year by -5.84%.
Is Bank of Hawaii a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of BOH is around 57.18 USD . This means that BOH is currently overvalued and has a potential downside of -6.46%.
Is BOH a buy, sell or hold?
- 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 | 70 | 14.5% |
| Analysts Target Price | 70 | 14.5% |
| ValueRay Target Price | 64.1 | 4.9% |
Last update: 2025-10-10 02:25
BOH Fundamental Data Overview
P/E Trailing = 17.1451
P/E Forward = 13.1752
P/S = 3.9565
P/B = 1.8378
P/EG = 2.09
Beta = 0.792
Revenue TTM = 1.04b USD
EBIT TTM = 220.8m USD
EBITDA TTM = 251.2m USD
Long Term Debt = 558.2m USD (from longTermDebt, last quarter)
Short Term Debt = 50.0m USD (from shortTermDebt, last quarter)
Debt = 700.6m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -68.1m USD (from netDebt column, last quarter)
Enterprise Value = 217.5m USD (2.60b + Debt 700.6m - CCE 3.08b)
Interest Coverage Ratio = 0.58 (Ebit TTM 220.8m / Interest Expense TTM 379.4m)
FCF Yield = 71.40% (FCF TTM 155.3m / Enterprise Value 217.5m)
FCF Margin = 14.91% (FCF TTM 155.3m / Revenue TTM 1.04b)
Net Margin = 16.43% (Net Income TTM 171.1m / Revenue TTM 1.04b)
Gross Margin = 62.30% ((Revenue TTM 1.04b - Cost of Revenue TTM 392.6m) / Revenue TTM)
Gross Margin QoQ = 64.61% (prev 64.25%)
Tobins Q-Ratio = 0.01 (Enterprise Value 217.5m / Total Assets 23.71b)
Interest Expense / Debt = 12.68% (Interest Expense 88.9m / Debt 700.6m)
Taxrate = 21.19% (12.8m / 60.4m)
NOPAT = 174.0m (EBIT 220.8m * (1 - 21.19%))
Current Ratio = 0.16 (Total Current Assets 3.28b / Total Current Liabilities 20.88b)
Debt / Equity = 0.40 (Debt 700.6m / totalStockholderEquity, last quarter 1.74b)
Debt / EBITDA = -0.27 (Net Debt -68.1m / EBITDA 251.2m)
Debt / FCF = -0.44 (Net Debt -68.1m / FCF TTM 155.3m)
Total Stockholder Equity = 1.70b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.72% (Net Income 171.1m / Total Assets 23.71b)
RoE = 10.09% (Net Income TTM 171.1m / Total Stockholder Equity 1.70b)
RoCE = 9.80% (EBIT 220.8m / Capital Employed (Equity 1.70b + L.T.Debt 558.2m))
RoIC = 9.16% (NOPAT 174.0m / Invested Capital 1.90b)
WACC = 9.16% (E(2.60b)/V(3.30b) * Re(8.93%) + D(700.6m)/V(3.30b) * Rd(12.68%) * (1-Tc(0.21)))
Discount Rate = 8.93% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 0.45%
[DCF Debug] Terminal Value 69.28% ; FCFE base≈196.6m ; Y1≈145.0m ; Y5≈83.7m
Fair Price DCF = 34.42 (DCF Value 1.37b / Shares Outstanding 39.8m; 5y FCF grow -30.99% → 3.0% )
EPS Correlation: -72.14 | EPS CAGR: -10.09% | SUE: 0.0 | # QB: 0
Revenue Correlation: 83.69 | Revenue CAGR: 13.43% | SUE: 0.69 | # QB: 0
Additional Sources for BOH Stock
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle