BOH Stock Analysis: Bank of Hawaii | NYSE
Banks - Regional | NYSE, USA | Market Cap: 2.827m USD | 12M Return: 11.4% | US0625401098 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 29.3M
EPS Trend: 32.3%
Qual. Beats: 0
Rev. Trend: 95.3%
Qual. Beats: 0
Warnings
Tailwinds
No distinct edge detected
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: 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 October 03, 2026, the stock is trading at USD 69.28 with a total of 554,658 shares traded. Over the past week, the price has changed by -3.31%, over one month by -9.45%, over three months by -15.49% and over the past year by +11.35%.
Current recommended Stop Loss: 67.40 (which is 2.7% or 1.2 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: 1
- Buy: 0
- Hold: 2
- Sell: 2
- StrongSell: 0
| Analysts Target Price | 86.3 | 24.6% |
P/E Trailing = 13.3178
P/E Forward = 13.1752
P/S = 3.763
P/B = 1.8131
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 = 3.07b USD (2.83b + Debt 695.3m - CCE 452.8m)
Interest Coverage Ratio = 0.95 (Ebit TTM 302.1m / Interest Expense TTM 316.7m)
EV/FCF = 11.59x (Enterprise Value 3.07b / FCF TTM 264.8m)
FCF Yield = 8.63% (FCF TTM 264.8m / Enterprise Value 3.07b)
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 = 0.13 (Enterprise Value 3.07b / 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 = 13.67% (E(2.83b)/V(3.52b) * Re(8.30%) + D(695.3m)/V(3.52b) * Rd(45.55%) * (1-Tc(0.22)))
Discount Rate = 8.30% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 83.20 | Cagr: 0.24%
[DCF] Terminal Value 62.72% ; FCFF base≈221.0m ; Y1≈253.3m ; Y5≈372.8m
[DCF] Fair Price = 66.68 (EV 2.87b - Net Debt 242.4m = Equity 2.63b / Shares 39.5m; r=13.67% [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=+0.10% | Revisions=-22% | Analysts=7
EPS current Year (2026-12-31): EPS=5.96 | Chg30d=+0.07% | Revisions=-22% | GrowthEPS=+28.7% | GrowthRev=+11.9%
EPS next Year (2027-12-31): EPS=6.65 | Chg30d=-0.41% | Revisions=-67% | GrowthEPS=+11.6% | GrowthRev=+6.3%
[Analyst] Revisions Ratio: -48% (up=4, down=14)