BOH Stock Analysis: Bank of Hawaii | NYSE
Banks - Regional | NYSE, USA | Market Cap: 2.746m USD | 12M Return: 11.6% | US0625401098 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 30.1M
EPS Trend: 71.2%
Qual. Beats: 0
Rev. Trend: 97.4%
Qual. Beats: 0
Warnings
Tailwinds
Seasonality 11.7 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.
The Consumer Banking segment provides retail deposit and lending products (checking, savings, mortgages, auto loans, credit cards), wealth management, private banking, and brokerage and insurance services. The Commercial Banking segment serves middle-market, large corporate, and government clients with commercial loans, real estate financing, lease financing, cash management, and merchant services. The Treasury and Other segment handles corporate asset and liability management, interest rate risk, and foreign exchange activities.
As a regional bank, BOH benefits from a concentrated geographic footprint that supports deposit gathering and relationship banking but also exposes it to Hawaii-specific economic cycles, particularly tourism and real estate. The company has been publicly traded since 1984 and operates within the Financials sector under the GICS Regional Banks sub-industry classification.
- Hawaii tourism slowdown pressures deposit growth and loan demand
- Net interest margin compresses on Fed rate cuts
- Commercial real estate loan losses rise as office sector weakens
| Net Income: 246.4m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 0.29 > 1.0 |
| NWC/Revenue: -1.16k% < 20% (prev -1.63k%; Δ 465.8% < -1%) |
| CFO/TA 0.01 > 3% & CFO 316.3m > Net Income 246.4m |
| Net Debt (-6.93b) to EBITDA (348.4m): -19.91 < 3 |
| Current Ratio: 0.39 > 1.5 & < 3 |
| Outstanding Shares: last quarter (39.6m) vs 12m ago -1.07% < -2% |
| Gross Margin: 71.26% > 18% (prev 63.82%; Δ 7.44% > 0.5%) |
| Asset Turnover: 4.50% > 50% (prev 4.38%; Δ 0.12% > 0%) |
| Interest Coverage Ratio: 1.06 > 6 (EBIT TTM 318.0m / Interest Expense TTM 298.7m) |
| A: -0.53 (Total Current Assets 8.02b - Total Current Liabilities 20.5b) / Total Assets 23.8b |
| B: 0.10 (Retained Earnings 2.29b / Total Assets 23.8b) |
| C: 0.01 (EBIT TTM 318.0m / Avg Total Assets 23.9b) |
| D: 0.08 (Book Value of Equity 1.83b / Total Liabilities 22.0b) |
| Altman-Z'' = -2.96 = D |
| DSRI: 0.40 (Receivables 71.7m/176.5m, Revenue 1.08b/1.05b) |
| GMI: 0.90 (GM 63.82% / 71.26%) |
| AQI: 0.78 (AQ_t 0.65 / AQ_t-1 0.84) |
| SGI: 1.02 (Revenue 1.08b / 1.05b) |
| TATA: -0.00 (NI 246.4m - CFO 316.3m) / TA 23.8b) |
| Beneish M = -3.73 (Cap -4..+1) = AAA |
As of November 01, 2026, the stock is trading at USD 69.77 with a total of 316,584 shares traded. Over the past week, the price has changed by -1.18%, over one month by +0.87%, over three months by -11.85% and over the past year by +11.57%.
Current recommended Stop Loss: 66.80 (which is 4.3% or 2 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: 0
- Buy: 1
- Hold: 5
- Sell: 1
- StrongSell: 0
| Analysts Target Price | 79.7 | 14.2% |
P/E Trailing = 12.3728
P/E Forward = 13.1752
P/S = 3.6555
P/B = 1.8069
P/EG = 2.1015
Revenue TTM = 1.08b USD
EBIT TTM = 318.0m USD
EBITDA TTM = 348.4m USD
Long Term Debt = 558.2m USD (from longTermDebt, last fiscal year)
Short Term Debt = 50.0m USD (from shortTermDebt, last quarter)
Debt = 1.00b USD (from shortLongTermDebtTotal, last quarter) + Leases 101.7m
Net Debt = -6.93b USD (calculated: Debt 1.00b - CCE 7.94b)
Enterprise Value = 2.75b USD (floored to Market Cap, CCE > MCap+Debt)
Interest Coverage Ratio = 1.06 (Ebit TTM 318.0m / Interest Expense TTM 298.7m)
EV/FCF = 9.09x (Enterprise Value 2.75b / FCF TTM 302.1m)
FCF Yield = 11.00% (FCF TTM 302.1m / Enterprise Value 2.75b)
FCF Margin = 28.07% (FCF TTM 302.1m / Revenue TTM 1.08b)
Net Margin = 22.90% (Net Income TTM 246.4m / Revenue TTM 1.08b)
Gross Margin = 71.26% ((Revenue TTM 1.08b - Cost of Revenue TTM 309.3m) / Revenue TTM)
Gross Margin QoQ = 72.10% (prev 71.75%)
Tobins Q-Ratio = 0.12 (Enterprise Value 2.75b / Total Assets 23.8b)
Interest Expense / Debt = 29.73% (Interest Expense 298.7m / Debt 1.00b)
Taxrate = 22.50% (71.5m / 318.0m)
NOPAT = 246.5m (EBIT 318.0m * (1 - 22.50%))
Current Ratio = 0.39 (Total Current Assets 8.02b / Total Current Liabilities 20.5b)
Debt / Equity = 0.55 (Debt 1.00b / totalStockholderEquity, last quarter 1.83b)
Debt / EBITDA = -19.91 (Net Debt -6.93b / EBITDA 348.4m)
Debt / FCF = -22.95 (Net Debt -6.93b / FCF TTM 302.1m)
Total Stockholder Equity = 1.85b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.03% (Net Income 246.4m / Total Assets 23.8b)
RoE = 13.31% (Net Income TTM 246.4m / Total Stockholder Equity 1.85b)
RoCE = 13.20% (EBIT 318.0m / Capital Employed (Equity 1.85b + L.T.Debt 558.2m))
RoIC = 7.54% (NOPAT 246.5m / Invested Capital 3.27b)
WACC = 11.67% (E(2.75b)/V(3.75b) * Re(7.51%) + D(1.00b)/V(3.75b) * Rd(29.73%) * (1-Tc(0.22)))
Discount Rate = 7.51% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 23.14 | Cagr: -0.07%
[DCF] Terminal Value 68.01% ; FCFF base≈275.2m ; Y1≈315.5m ; Y5≈464.3m
[DCF] Fair Price = 288.9 (EV 4.39b - Net Debt -6.93b = Equity 11.3b / Shares 39.2m; r=11.67% [WACC]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 71.24 | EPS CAGR: 13.87% | SUE: -0.51 | # QB: 0
Revenue Correlation: 97.40 | Revenue CAGR: 3.80% | SUE: 0.53 | # QB: 0
EPS current Quarter (2027-03-31): EPS=1.52 | Chg30d=-0.50% | Revisions=+40% | Analysts=6
EPS current Year (2026-12-31): EPS=5.90 | Chg30d=-1.05% | Revisions=+17% | GrowthEPS=+27.4% | GrowthRev=+11.5%
EPS next Year (2027-12-31): EPS=6.55 | Chg30d=-1.58% | Revisions=-17% | GrowthEPS=+11.0% | GrowthRev=+6.1%
[Analyst] Revisions Ratio: +18% (up=5, down=3)