(BOH) Bank of Hawaii - Ratings and Ratios
Loans, Deposits, Cards, Mortgages, Treasury
Dividends
| Dividend Yield | 4.27% |
| Yield on Cost 5y | 4.63% |
| Yield CAGR 5y | 6.90% |
| Payout Consistency | 94.8% |
| Payout Ratio | 68.6% |
| Risk via 10d forecast | |
|---|---|
| Volatility | 27.0% |
| Value at Risk 5%th | 39.6% |
| Relative Tail Risk | -10.93% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | -0.59 |
| Alpha | -28.12 |
| CAGR/Max DD | -0.04 |
| Character TTM | |
|---|---|
| Hurst Exponent | 0.492 |
| Beta | 0.821 |
| Beta Downside | 0.828 |
| Drawdowns 3y | |
|---|---|
| Max DD | 58.61% |
| Mean DD | 19.94% |
| Median DD | 16.13% |
Description: BOH Bank of Hawaii November 10, 2025
Bank of Hawaii Corporation (NYSE: BOH) is the holding company for the Bank of Hawaii, delivering a full suite of banking and wealth-management services across Hawaii, Guam, and other Pacific Islands. It operates through three distinct segments: Consumer Banking (retail deposits, mortgages, credit cards, and private-client services); Commercial Banking (mid-market and large-corporate loans, commercial real-estate financing, cash-management, and merchant services); and Treasury & Other (interest-rate risk hedging and foreign-exchange solutions).
Recent performance metrics show a net interest margin of roughly 3.2 % in Q3 2024, a loan-to-deposit ratio near 78 %-comfortably below the regional-bank average of 85 %-and year-over-year loan growth of 5 % driven largely by residential mortgage demand tied to Hawaii’s tourism-linked economy. The bank’s earnings are also sensitive to Federal Reserve policy; a sustained higher-for-longer rate environment supports net interest income but raises credit-risk concerns for commercial borrowers. Additionally, the regional-bank sector is experiencing modest consolidation, with peer M&A activity creating both competitive pressure and potential acquisition upside for well-capitalized players like BOH.
For a deeper dive into how these dynamics translate into valuation signals, you might find ValueRay’s analytical tools useful for quantifying BOH’s risk-adjusted upside.
Piotroski VR‑10 (Strict, 0-10) 3.0
| Net Income (184.1m TTM) > 0 and > 6% of Revenue (6% = 64.3m TTM) |
| FCFTA 0.01 (>2.0%) and ΔFCFTA 0.59pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue -1534 % (prev -1862 %; Δ 327.3pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.01 (>3.0%) and CFO 232.0m > Net Income 184.1m (YES >=105%, WARN >=100%) |
| Net Debt (-285.3m) to EBITDA (294.0m) ratio: -0.97 <= 3.0 (WARN <= 3.5) |
| Current Ratio 0.21 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (40.0m) change vs 12m ago 0.62% (target <= -2.0% for YES) |
| Gross Margin 65.15% (prev 60.53%; Δ 4.62pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 4.49% (prev 4.29%; Δ 0.20pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 0.72 (EBITDA TTM 294.0m / Interest Expense TTM 367.4m) >= 6 (WARN >= 3) |
Altman Z'' -4.03
| (A) -0.69 = (Total Current Assets 4.33b - Total Current Liabilities 20.79b) / Total Assets 24.01b |
| (B) 0.09 = Retained Earnings (Balance) 2.18b / Total Assets 24.01b |
| (C) 0.01 = EBIT TTM 263.8m / Avg Total Assets 23.91b |
| (D) 0.09 = Book Value of Equity 1.90b / Total Liabilities 22.22b |
| Total Rating: -4.03 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 59.42
| 1. Piotroski 3.0pt |
| 2. FCF Yield -22.46% |
| 3. FCF Margin 21.89% |
| 4. Debt/Equity 0.39 |
| 5. Debt/Ebitda -0.97 |
| 6. ROIC - WACC (= 1.45)% |
| 7. RoE 10.66% |
| 8. Rev. Trend 92.50% |
| 9. EPS Trend -72.38% |
What is the price of BOH shares?
Over the past week, the price has changed by +0.51%, over one month by +2.01%, over three months by -1.03% and over the past year by -13.19%.
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 | 72.7 | 10.9% |
| Analysts Target Price | 72.7 | 10.9% |
| ValueRay Target Price | 67 | 2.2% |
BOH Fundamental Data Overview November 20, 2025
P/E Trailing = 15.4136
P/E Forward = 13.1752
P/S = 3.7204
P/B = 1.7356
P/EG = 2.09
Beta = 0.74
Revenue TTM = 1.07b USD
EBIT TTM = 263.8m USD
EBITDA TTM = 294.0m USD
Long Term Debt = 550.0m USD (from longTermDebt, last quarter)
Short Term Debt = 50.0m USD (from shortTermDebt, last quarter)
Debt = 699.9m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -285.3m USD (from netDebt column, last quarter)
Enterprise Value = -1.05b USD (2.52b + Debt 699.9m - CCE 4.27b)
Interest Coverage Ratio = 0.72 (Ebit TTM 263.8m / Interest Expense TTM 367.4m)
FCF Yield = -22.46% (FCF TTM 234.8m / Enterprise Value -1.05b)
FCF Margin = 21.89% (FCF TTM 234.8m / Revenue TTM 1.07b)
Net Margin = 17.17% (Net Income TTM 184.1m / Revenue TTM 1.07b)
Gross Margin = 65.15% ((Revenue TTM 1.07b - Cost of Revenue TTM 373.7m) / Revenue TTM)
Gross Margin QoQ = 70.49% (prev 64.61%)
Tobins Q-Ratio = -0.04 (set to none) (Enterprise Value -1.05b / Total Assets 24.01b)
Interest Expense / Debt = 13.01% (Interest Expense 91.0m / Debt 699.9m)
Taxrate = 21.27% (14.4m / 67.8m)
NOPAT = 207.7m (EBIT 263.8m * (1 - 21.27%))
Current Ratio = 0.21 (Total Current Assets 4.33b / Total Current Liabilities 20.79b)
Debt / Equity = 0.39 (Debt 699.9m / totalStockholderEquity, last quarter 1.79b)
Debt / EBITDA = -0.97 (Net Debt -285.3m / EBITDA 294.0m)
Debt / FCF = -1.22 (Net Debt -285.3m / FCF TTM 234.8m)
Total Stockholder Equity = 1.73b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.77% (Net Income 184.1m / Total Assets 24.01b)
RoE = 10.66% (Net Income TTM 184.1m / Total Stockholder Equity 1.73b)
RoCE = 11.59% (EBIT 263.8m / Capital Employed (Equity 1.73b + L.T.Debt 550.0m))
RoIC = 10.75% (NOPAT 207.7m / Invested Capital 1.93b)
WACC = 9.30% (E(2.52b)/V(3.22b) * Re(9.04%) + D(699.9m)/V(3.22b) * Rd(13.01%) * (1-Tc(0.21)))
Discount Rate = 9.04% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 0.56%
[DCF Debug] Terminal Value 70.50% ; FCFE base≈177.3m ; Y1≈141.3m ; Y5≈95.2m
Fair Price DCF = 37.55 (DCF Value 1.49b / Shares Outstanding 39.8m; 5y FCF grow -24.30% → 3.0% )
EPS Correlation: -72.38 | EPS CAGR: -7.23% | SUE: 0.36 | # QB: 0
Revenue Correlation: 92.50 | Revenue CAGR: 13.53% | SUE: 0.96 | # QB: 1
EPS next Quarter (2026-03-31): EPS=1.22 | Chg30d=+0.032 | Revisions Net=+5 | Analysts=5
EPS current Year (2025-12-31): EPS=4.58 | Chg30d=+0.126 | Revisions Net=+4 | Growth EPS=+32.5% | Growth Revenue=+12.3%
EPS next Year (2026-12-31): EPS=5.35 | Chg30d=+0.245 | Revisions Net=+6 | Growth EPS=+16.8% | Growth Revenue=+8.2%
Additional Sources for BOH Stock
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle