(BOH) Bank of Hawaii - Overview

Sector: Financial Services | Industry: Banks - Regional | Exchange: NYSE (USA) | Market Cap: 2.971m USD | Total Return: 31.1% in 12m

Deposits, Loans, Mortgages, Credit Cards, Wealth Management
Total Rating 56
Safety 63
Buy Signal 1.21
Banks - Regional
Industry Rotation: +16.3
Market Cap: 2.97B
Avg Turnover: 25.9M USD
ATR: 2.53%
Peers RS (IBD): 63.4
Risk 5d forecast
Volatility30.2%
Rel. Tail Risk-15.2%
Reward TTM
Sharpe Ratio1.23
Alpha7.03
Character TTM
Beta0.772
Beta Downside1.080
Drawdowns 3y
Max DD34.34%
CAGR/Max DD0.65
EPS (Earnings per Share) EPS (Earnings per Share) of BOH over the last years for every Quarter: "2021-03": 1.5, "2021-06": 1.64, "2021-09": 1.37, "2021-12": 1.59, "2022-03": 1.44, "2022-06": 1.38, "2022-09": 1.42, "2022-12": 1.63, "2023-03": 1.14, "2023-06": 1.12, "2023-09": 1.04, "2023-12": 1.01, "2024-03": 0.87, "2024-06": 0.81, "2024-09": 0.93, "2024-12": 0.85, "2025-03": 0.97, "2025-06": 1.06, "2025-09": 1.2, "2025-12": 1.39,
EPS CAGR: -0.94%
EPS Trend: -46.6%
Last SUE: 2.46
Qual. Beats: 1
Revenue Revenue of BOH over the last years for every Quarter: 2021-03: 170.637, 2021-06: 174.551, 2021-09: 174.217, 2021-12: 183.377, 2022-03: 172.671, 2022-06: 180.236, 2022-09: 184.04, 2022-12: 211.955, 2023-03: 227.416, 2023-06: 241.427, 2023-09: 245.925, 2023-12: 251.007, 2024-03: 250.976, 2024-06: 253.972, 2024-09: 264.056, 2024-12: 260.504, 2025-03: 256.603, 2025-06: 260.245, 2025-09: 295.128, 2025-12: 271.565,
Rev. CAGR: 12.83%
Rev. Trend: 90.0%
Last SUE: 3.15
Qual. Beats: 2

Warnings

No concerns identified

Tailwinds

No distinct edge detected

Description: BOH Bank of Hawaii

Bank of Hawaii Corporation (NYSE: BOH) is the holding company for the Bank of Hawaii, delivering a full suite of retail and commercial banking services across Hawaii, Guam, and other Pacific Islands. The business is organized into three segments: Consumer Banking, Commercial Banking, and Treasury & Other, covering everything from checking accounts and mortgages to middle-market loan facilities and foreign-exchange risk management.

In its most recent quarter (Q4 2025), BOH reported a net interest margin of 3.12%, a 5.4% year-over-year increase in loan balances driven by strong residential mortgage demand, and a CET1 capital ratio of 12.8%, comfortably above the regulatory minimum. Deposit growth slowed to 1.1% YoY, reflecting broader Pacific-region liquidity trends, while the bank’s return on equity held at 9.6%.

Key drivers for BOH include Hawaii’s resilient tourism sector, which fuels consumer credit activity, and the Pacific Islands’ ongoing infrastructure investments that boost commercial loan pipelines. Additionally, the regional-bank segment benefits from a modestly rising interest-rate environment that supports net interest income without significantly pressuring loan demand.

For a deeper dive, you might explore ValueRay’s analysis of BOH.

Headlines to Watch Out For
  • Hawaii tourism impacts loan demand and deposit growth
  • Interest rate changes influence net interest margin
  • Regulatory compliance costs affect profitability
  • Economic conditions in Pacific Islands drive commercial lending
Piotroski VR‑10 (Strict) 3.0
Net Income: 205.9m TTM > 0 and > 6% of Revenue
FCF/TA: 0.01 > 0.02 and ΔFCF/TA 0.17 > 1.0
NWC/Revenue: 85.28% < 20% (prev -1.74k%; Δ 1.83k% < -1%)
CFO/TA 0.01 > 3% & CFO 219.4m > Net Income 205.9m
Net Debt (-295.9m) to EBITDA (312.7m): -0.95 < 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 6.68k% > 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 219.4m) / TA 24.18b)
Beneish M-Score: -3.54 (Cap -4..+1) = AAA
What is the price of BOH shares? As of April 10, 2026, the stock is trading at USD 79.56 with a total of 310,329 shares traded.
Over the past week, the price has changed by +6.38%, over one month by +7.09%, over three months by +12.93% and over the past year by +31.10%.
Is BOH a buy, sell or hold? Bank of Hawaii has received a consensus analysts rating of 3.00. Therefor, it is recommend to hold BOH.
  • StrongBuy: 1
  • Buy: 0
  • Hold: 2
  • Sell: 2
  • StrongSell: 0
What are the forecasts/targets for the BOH price?
Analysts Target Price 81.3 2.2%
Bank of Hawaii (BOH) - Fundamental Data Overview as of 06 April 2026
P/E Trailing = 16.1533
P/E Forward = 9.7182
P/S = 4.2135
P/B = 1.9725
P/EG = 2.1015
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 = 650.6m USD (corrected: LT Debt 558.2m + ST Debt 92.4m)
Net Debt = -295.9m USD (recalculated: Debt 650.6m - CCE 946.5m)
Enterprise Value = 2.68b USD (2.97b + Debt 650.6m - CCE 946.5m)
Interest Coverage Ratio = 0.61 (Ebit TTM 212.3m / Interest Expense TTM 350.3m)
EV/FCF = 12.67x (Enterprise Value 2.68b / FCF TTM 211.2m)
FCF Yield = 7.89% (FCF TTM 211.2m / Enterprise Value 2.68b)
FCF Margin = 19.49% (FCF TTM 211.2m / 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 = 0.11 (Enterprise Value 2.68b / Total Assets 24.18b)
Interest Expense / Debt = 12.59% (Interest Expense 81.9m / Debt 650.6m)
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 = 0.35 (Debt 650.6m / totalStockholderEquity, last quarter 1.85b)
Debt / EBITDA = -0.95 (Net Debt -295.9m / EBITDA 312.7m)
Debt / FCF = -1.40 (Net Debt -295.9m / FCF TTM 211.2m)
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 = 8.42% (NOPAT 166.6m / Invested Capital 1.98b)
WACC = 8.91% (E(2.97b)/V(3.62b) * Re(8.70%) + D(650.6m)/V(3.62b) * Rd(12.59%) * (1-Tc(0.22)))
Discount Rate = 8.70% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 0.59%
[DCF] Terminal Value 72.14% ; FCFF base≈193.0m ; Y1≈162.8m ; Y5≈122.9m
[DCF] Fair Price = 56.19 (EV 1.94b - Net Debt -295.9m = Equity 2.23b / Shares 39.7m; r=8.91% [WACC]; 5y FCF grow -18.95% → 3.0% )
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 (2026-06-30): EPS=1.47 | Chg7d=+0.012 | Chg30d=+0.012 | Revisions Net=+5 | Analysts=6
EPS current Year (2026-12-31): EPS=6.01 | Chg7d=+0.032 | Chg30d=+0.032 | Revisions Net=+6 | Growth EPS=+29.8% | Growth Revenue=+13.0%
EPS next Year (2027-12-31): EPS=6.87 | Chg7d=+0.027 | Chg30d=+0.027 | Revisions Net=+4 | Growth EPS=+14.3% | Growth Revenue=+7.8%
[Analyst] Revisions Ratio: +1.00 (5 Up / 0 Down within 30d for Next Quarter)
[Growth] Implied Growth Rate = 2.5% (Discount Rate 8.7% - Earnings Yield 6.2%)
[Growth] Growth Spread = +12.1% (Analyst 14.6% - Implied 2.5%)
External Resources
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