BANK OF HAWAII CORP (BOH) Stock Fundamental Analysis

USA • New York Stock Exchange • NYSE:BOH • US0625401098

76.58 USD
+0.25 (+0.33%)
Last: Feb 5, 2026, 10:30 AM
Fundamental Rating

5

Overall BOH gets a fundamental rating of 5 out of 10. We evaluated BOH against 383 industry peers in the Banks industry. The financial health of BOH is average, but there are quite some concerns on its profitability. BOH is growing strongly while it is still valued neutral. This is a good combination! BOH also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

3

1. Profitability

1.1 Basic Checks

  • BOH had positive earnings in the past year.
  • In the past year BOH had a positive cash flow from operations.
  • Each year in the past 5 years BOH has been profitable.
  • BOH had a positive operating cash flow in 4 of the past 5 years.
BOH Yearly Net Income VS EBIT VS OCF VS FCFBOH Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M

1.2 Ratios

  • The Return On Assets of BOH (0.68%) is worse than 68.41% of its industry peers.
  • The Return On Equity of BOH (9.10%) is comparable to the rest of the industry.
Industry RankSector Rank
ROA 0.68%
ROE 9.1%
ROIC N/A
ROA(3y)0.68%
ROA(5y)0.81%
ROE(3y)9.92%
ROE(5y)12.37%
ROIC(3y)N/A
ROIC(5y)N/A
BOH Yearly ROA, ROE, ROICBOH Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15

1.3 Margins

  • BOH's Profit Margin of 23.62% is in line compared to the rest of the industry. BOH outperforms 45.69% of its industry peers.
  • BOH's Profit Margin has improved in the last couple of years.
  • The Operating Margin and Gross Margin are not available for BOH so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 23.62%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-6.16%
PM growth 5Y2.68%
GM growth 3YN/A
GM growth 5YN/A
BOH Yearly Profit, Operating, Gross MarginsBOH Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30

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4

2. Health

2.1 Basic Checks

  • BOH does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • The number of shares outstanding for BOH remains at a similar level compared to 1 year ago.
  • The number of shares outstanding for BOH has been reduced compared to 5 years ago.
  • BOH has a worse debt/assets ratio than last year.
BOH Yearly Shares OutstandingBOH Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M 40M
BOH Yearly Total Debt VS Total AssetsBOH Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5B 10B 15B 20B

2.2 Solvency

  • BOH has a debt to FCF ratio of 0.28. This is a very positive value and a sign of high solvency as it would only need 0.28 years to pay back of all of its debts.
  • The Debt to FCF ratio of BOH (0.28) is better than 84.60% of its industry peers.
  • A Debt/Equity ratio of 0.03 indicates that BOH is not too dependend on debt financing.
  • BOH has a Debt to Equity ratio of 0.03. This is amongst the best in the industry. BOH outperforms 84.07% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.03
Debt/FCF 0.28
Altman-Z N/A
ROIC/WACCN/A
WACC15.47%
BOH Yearly LT Debt VS Equity VS FCFBOH Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
BOH Yearly Current Assets VS Current LiabilitesBOH Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M 800M 1B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

7

3. Growth

3.1 Past

  • The Earnings Per Share has grown by an impressive 31.62% over the past year.
  • Measured over the past 5 years, BOH shows a small growth in Earnings Per Share. The EPS has been growing by 3.66% on average per year.
  • The Revenue has grown by 12.13% in the past year. This is quite good.
  • Measured over the past years, BOH shows a small growth in Revenue. The Revenue has been growing by 1.03% on average per year.
EPS 1Y (TTM)31.62%
EPS 3Y-6.49%
EPS 5Y3.66%
EPS Q2Q%63.53%
Revenue 1Y (TTM)12.13%
Revenue growth 3Y0.88%
Revenue growth 5Y1.03%
Sales Q2Q%16.19%

3.2 Future

  • BOH is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 22.38% yearly.
  • BOH is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 10.49% yearly.
EPS Next Y29.94%
EPS Next 2Y22.38%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year12.67%
Revenue Next 2Y10.49%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
  • The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
BOH Yearly Revenue VS EstimatesBOH Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 200M 400M 600M 800M
BOH Yearly EPS VS EstimatesBOH Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2 4 6

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Find the best growth stocksShow best growing peers

4

4. Valuation

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 16.58, the valuation of BOH can be described as correct.
  • Based on the Price/Earnings ratio, BOH is valued a bit more expensive than 73.89% of the companies in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 28.25, BOH is valued a bit cheaper.
  • A Price/Forward Earnings ratio of 12.76 indicates a correct valuation of BOH.
  • Based on the Price/Forward Earnings ratio, BOH is valued a bit more expensive than the industry average as 60.31% of the companies are valued more cheaply.
  • BOH is valuated cheaply when we compare the Price/Forward Earnings ratio to 27.50, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 16.58
Fwd PE 12.76
BOH Price Earnings VS Forward Price EarningsBOH Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of BOH is on the same level as its industry peers.
Industry RankSector Rank
P/FCF 14.58
EV/EBITDA N/A
BOH Per share dataBOH EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30 40

4.3 Compensation for Growth

  • The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • BOH's earnings are expected to grow with 22.38% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.55
PEG (5Y)4.53
EPS Next 2Y22.38%
EPS Next 3YN/A

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

7

5. Dividend

5.1 Amount

  • BOH has a Yearly Dividend Yield of 3.71%. Purely for dividend investing, there may be better candidates out there.
  • BOH's Dividend Yield is a higher than the industry average which is at 2.64.
  • Compared to an average S&P500 Dividend Yield of 1.82, BOH pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.71%

5.2 History

  • The dividend of BOH has a limited annual growth rate of 3.83%.
  • BOH has paid a dividend for at least 10 years, which is a reliable track record.
  • BOH has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)3.83%
Div Incr Years1
Div Non Decr Years34
BOH Yearly Dividends per shareBOH Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 1 2 3

5.3 Sustainability

  • 82.13% of the earnings are spent on dividend by BOH. This is not a sustainable payout ratio.
  • The dividend of BOH is growing, but earnings are growing more, so the dividend growth is sustainable.
DP82.13%
EPS Next 2Y22.38%
EPS Next 3YN/A
BOH Yearly Income VS Free CF VS DividendBOH Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M
BOH Dividend Payout.BOH Dividend Payout, showing the Payout Ratio.BOH Dividend Payout.PayoutRetained Earnings

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BANK OF HAWAII CORP

NYSE:BOH (2/5/2026, 10:30:52 AM)

76.58

+0.25 (+0.33%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-26
Earnings (Next)04-20
Inst Owners81.31%
Inst Owner Change-1.07%
Ins Owners1.01%
Ins Owner Change-1.42%
Market Cap3.05B
Revenue(TTM)716.63M
Net Income(TTM)163.05M
Analysts50
Price Target83.3 (8.78%)
Short Float %6.75%
Short Ratio6.79
Dividend
Industry RankSector Rank
Dividend Yield 3.71%
Yearly Dividend3.14
Dividend Growth(5Y)3.83%
DP82.13%
Div Incr Years1
Div Non Decr Years34
Ex-Date02-27
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)0.47%
Min EPS beat(2)-0.24%
Max EPS beat(2)1.17%
EPS beat(4)3
Avg EPS beat(4)2.38%
Min EPS beat(4)-0.24%
Max EPS beat(4)7.83%
EPS beat(8)4
Avg EPS beat(8)-1.09%
EPS beat(12)5
Avg EPS beat(12)-1.64%
EPS beat(16)9
Avg EPS beat(16)0.4%
Revenue beat(2)0
Avg Revenue beat(2)-1.57%
Min Revenue beat(2)-3.08%
Max Revenue beat(2)-0.06%
Revenue beat(4)0
Avg Revenue beat(4)-1.28%
Min Revenue beat(4)-3.08%
Max Revenue beat(4)-0.06%
Revenue beat(8)1
Avg Revenue beat(8)-1.5%
Revenue beat(12)2
Avg Revenue beat(12)-1.12%
Revenue beat(16)2
Avg Revenue beat(16)-1.46%
PT rev (1m)0.23%
PT rev (3m)2.83%
EPS NQ rev (1m)0.88%
EPS NQ rev (3m)3.32%
EPS NY rev (1m)0.09%
EPS NY rev (3m)4.97%
Revenue NQ rev (1m)0.08%
Revenue NQ rev (3m)0.17%
Revenue NY rev (1m)0.1%
Revenue NY rev (3m)1.99%
Valuation
Industry RankSector Rank
PE 16.58
Fwd PE 12.76
P/S 4.41
P/FCF 14.58
P/OCF 13.13
P/B 1.7
P/tB 1.75
EV/EBITDA N/A
EPS(TTM)4.62
EY6.03%
EPS(NY)6
Fwd EY7.84%
FCF(TTM)5.25
FCFY6.86%
OCF(TTM)5.83
OCFY7.61%
SpS17.35
BVpS45.02
TBVpS43.77
PEG (NY)0.55
PEG (5Y)4.53
Graham Number68.41
Profitability
Industry RankSector Rank
ROA 0.68%
ROE 9.1%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 23.62%
GM N/A
FCFM 30.28%
ROA(3y)0.68%
ROA(5y)0.81%
ROE(3y)9.92%
ROE(5y)12.37%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-6.16%
PM growth 5Y2.68%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.03
Debt/FCF 0.28
Debt/EBITDA N/A
Cap/Depr 227.25%
Cap/Sales 3.34%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 128.17%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC15.47%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)31.62%
EPS 3Y-6.49%
EPS 5Y3.66%
EPS Q2Q%63.53%
EPS Next Y29.94%
EPS Next 2Y22.38%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)12.13%
Revenue growth 3Y0.88%
Revenue growth 5Y1.03%
Sales Q2Q%16.19%
Revenue Next Year12.67%
Revenue Next 2Y10.49%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y121.92%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y109.85%
OCF growth 3YN/A
OCF growth 5YN/A

BANK OF HAWAII CORP / BOH FAQ

What is the ChartMill fundamental rating of BANK OF HAWAII CORP (BOH) stock?

ChartMill assigns a fundamental rating of 5 / 10 to BOH.


Can you provide the valuation status for BANK OF HAWAII CORP?

ChartMill assigns a valuation rating of 4 / 10 to BANK OF HAWAII CORP (BOH). This can be considered as Fairly Valued.


What is the profitability of BOH stock?

BANK OF HAWAII CORP (BOH) has a profitability rating of 3 / 10.


What are the PE and PB ratios of BANK OF HAWAII CORP (BOH) stock?

The Price/Earnings (PE) ratio for BANK OF HAWAII CORP (BOH) is 16.58 and the Price/Book (PB) ratio is 1.7.


What is the financial health of BANK OF HAWAII CORP (BOH) stock?

The financial health rating of BANK OF HAWAII CORP (BOH) is 4 / 10.