(BOH) Bank of Hawaii - Overview
Stock: Checking, Savings, Loans, Credit, Investment
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 4.12% |
| Yield on Cost 5y | 5.44% |
| Yield CAGR 5y | 0.54% |
| Payout Consistency | 97.1% |
| Payout Ratio | 51.2% |
| Risk 5d forecast | |
|---|---|
| Volatility | 33.7% |
| Relative Tail Risk | -12.4% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.14 |
| Alpha | -9.13 |
| Character TTM | |
|---|---|
| Beta | 0.809 |
| Beta Downside | 0.864 |
| Drawdowns 3y | |
|---|---|
| Max DD | 57.46% |
| CAGR/Max DD | 0.05 |
Description: BOH Bank of Hawaii January 13, 2026
Bank of Hawaii Corporation (NYSE: BOH) is the holding company for the island-based Bank of Hawaii, delivering retail and commercial banking services across Hawaii, Guam, and other Pacific islands. The firm is organized into three operating segments: Consumer Banking, Commercial Banking, and Treasury & Other.
The Consumer Banking segment provides a full suite of deposit products (checking, savings, time deposits) and loan offerings-including residential mortgages, home-equity lines, auto loans, and credit cards-plus wealth-management services such as private banking, investment advisory, brokerage, and insurance for individuals and high-net-worth families. The Commercial Banking segment serves middle-market and large corporates, governments, and real-estate developers with commercial-industrial loans, CRE financing, lease and dealer financing, cash-management, and merchant services. Treasury & Other delivers corporate asset-liability management, interest-rate hedging, and foreign-exchange solutions.
Key drivers to watch: (1) BOH’s net interest margin (NIM) has hovered around 3.0 % in 2024, reflecting a relatively flat rate-curve environment; (2) Loan-to-deposit ratio sits near 80 %, indicating moderate balance-sheet leverage; (3) Tourism-linked loan growth remains sensitive to Pacific travel demand, which has been rebounding after COVID-19 disruptions. In the broader regional-bank sector, consolidation pressure and Fed policy on rates are the primary macro forces shaping earnings outlooks.
For a deeper quantitative view, you might explore BOH’s metrics on ValueRay.
Piotroski VR‑10 (Strict, 0-10) 3.0
| Net Income: 205.9m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 0.59 > 1.0 |
| NWC/Revenue: 85.28% < 20% (prev -1744 %; Δ 1830 % < -1%) |
| CFO/TA 0.01 > 3% & CFO 232.0m > Net Income 205.9m |
| Net Debt (-854.1m) to EBITDA (312.7m): -2.73 < 3 |
| Current Ratio: 11.00 > 1.5 & < 3 |
| Outstanding Shares: last quarter (40.0m) vs 12m ago 0.76% < -2% |
| Gross Margin: 67.44% > 18% (prev 0.60%; Δ 6683 % > 0.5%) |
| Asset Turnover: 4.54% > 50% (prev 4.36%; Δ 0.17% > 0%) |
| Interest Coverage Ratio: 0.61 > 6 (EBITDA TTM 312.7m / Interest Expense TTM 350.3m) |
Altman Z'' 0.70
| A: 0.04 (Total Current Assets 1.02b - Total Current Liabilities 92.4m) / Total Assets 24.18b |
| B: 0.09 (Retained Earnings 2.21b / Total Assets 24.18b) |
| C: 0.01 (EBIT TTM 212.3m / Avg Total Assets 23.89b) |
| D: 0.09 (Book Value of Equity 1.96b / Total Liabilities 22.33b) |
| Altman-Z'' Score: 0.70 = B |
Beneish M -3.54
| DSRI: 0.39 (Receivables 69.9m/172.1m, Revenue 1.08b/1.03b) |
| GMI: 0.89 (GM 67.44% / 60.34%) |
| AQI: 1.09 (AQ_t 0.95 / AQ_t-1 0.87) |
| SGI: 1.05 (Revenue 1.08b / 1.03b) |
| TATA: -0.00 (NI 205.9m - CFO 232.0m) / TA 24.18b) |
| Beneish M-Score: -3.54 (Cap -4..+1) = AAA |
What is the price of BOH shares?
Over the past week, the price has changed by +5.62%, over one month by +8.83%, over three months by +16.38% and over the past year by +4.30%.
Is BOH a buy, sell or hold?
- StrongBuy: 1
- Buy: 0
- Hold: 2
- Sell: 2
- StrongSell: 0
What are the forecasts/targets for the BOH price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 81.7 | 9.2% |
| Analysts Target Price | 81.7 | 9.2% |
| ValueRay Target Price | 83.8 | 12.1% |
BOH Fundamental Data Overview January 31, 2026
P/E Forward = 13.1752
P/S = 4.2375
P/B = 1.9868
P/EG = 2.09
Revenue TTM = 1.08b USD
EBIT TTM = 212.3m USD
EBITDA TTM = 312.7m USD
Long Term Debt = 558.2m USD (from longTermDebt, last quarter)
Short Term Debt = 92.4m USD (from shortTermDebt, last quarter)
Debt = 92.4m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -854.1m USD (from netDebt column, last quarter)
Enterprise Value = 2.13b USD (2.99b + Debt 92.4m - CCE 946.5m)
Interest Coverage Ratio = 0.61 (Ebit TTM 212.3m / Interest Expense TTM 350.3m)
EV/FCF = 9.09x (Enterprise Value 2.13b / FCF TTM 234.8m)
FCF Yield = 11.00% (FCF TTM 234.8m / Enterprise Value 2.13b)
FCF Margin = 21.67% (FCF TTM 234.8m / Revenue TTM 1.08b)
Net Margin = 19.00% (Net Income TTM 205.9m / Revenue TTM 1.08b)
Gross Margin = 67.44% ((Revenue TTM 1.08b - Cost of Revenue TTM 352.8m) / Revenue TTM)
Gross Margin QoQ = 69.83% (prev 70.49%)
Tobins Q-Ratio = 0.09 (Enterprise Value 2.13b / Total Assets 24.18b)
Interest Expense / Debt = 88.66% (Interest Expense 81.9m / Debt 92.4m)
Taxrate = 21.50% (16.7m / 77.6m)
NOPAT = 166.6m (EBIT 212.3m * (1 - 21.50%))
Current Ratio = 11.00 (Total Current Assets 1.02b / Total Current Liabilities 92.4m)
Debt / Equity = 0.05 (Debt 92.4m / totalStockholderEquity, last quarter 1.85b)
Debt / EBITDA = -2.73 (Net Debt -854.1m / EBITDA 312.7m)
Debt / FCF = -3.64 (Net Debt -854.1m / FCF TTM 234.8m)
Total Stockholder Equity = 1.77b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.86% (Net Income 205.9m / Total Assets 24.18b)
RoE = 11.62% (Net Income TTM 205.9m / Total Stockholder Equity 1.77b)
RoCE = 9.11% (EBIT 212.3m / Capital Employed (Equity 1.77b + L.T.Debt 558.2m))
RoIC = 8.54% (NOPAT 166.6m / Invested Capital 1.95b)
WACC = 8.63% (E(2.99b)/V(3.08b) * Re(8.90%) + (debt cost/tax rate unavailable))
Discount Rate = 8.90% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 0.59%
[DCF Debug] Terminal Value 71.71% ; FCFF base≈177.3m ; Y1≈141.3m ; Y5≈95.0m
Fair Price DCF = 61.05 (EV 1.57b - Net Debt -854.1m = Equity 2.43b / Shares 39.7m; r=8.63% [WACC]; 5y FCF grow -24.30% → 2.90% )
EPS Correlation: -46.60 | EPS CAGR: -0.94% | SUE: 2.46 | # QB: 1
Revenue Correlation: 90.02 | Revenue CAGR: 12.83% | SUE: 3.15 | # QB: 2
EPS next Quarter (2026-03-31): EPS=1.33 | Chg30d=+0.109 | Revisions Net=+1 | Analysts=5
EPS current Year (2026-12-31): EPS=5.94 | Chg30d=+0.553 | Revisions Net=+4 | Growth EPS=+28.4% | Growth Revenue=+12.7%
EPS next Year (2027-12-31): EPS=6.85 | Chg30d=+0.707 | Revisions Net=+2 | Growth EPS=+15.2% | Growth Revenue=+7.8%