BANK OF HAWAII CORP (BOH) Stock Fundamental Analysis
NYSE:BOH - New York Stock Exchange, Inc. - US0625401098 - Common Stock - Currency: USD
BOH gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 396 industry peers in the Banks industry. BOH scores quite bad on profitability, while its financial health is fine. Not spectacular, but in line with the averages. BOH is valied quite expensively at the moment, while it does show a decent growth rate. Finally BOH also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
In the past year BOH was profitable.
BOH had a positive operating cash flow in the past year.
In the past 5 years BOH has always been profitable.
Each year in the past 5 years BOH had a positive operating cash flow.
1.2 Ratios
With a Return On Assets value of 0.59%, BOH is not doing good in the industry: 68.94% of the companies in the same industry are doing better.
BOH has a Return On Equity of 8.31%. This is comparable to the rest of the industry: BOH outperforms 49.49% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.59% | ||
| ROE | 8.31% | ||
| ROIC | N/A |
ROA(3y)0.73%
ROA(5y)0.81%
ROE(3y)12.11%
ROE(5y)12.61%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
BOH has a Profit Margin (21.70%) which is in line with its industry peers.
In the last couple of years the Profit Margin of BOH has declined.
BOH does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 21.7% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-16.9%
PM growth 5Y-8.32%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
BOH does not have a ROIC to compare to the WACC, probably because it is not profitable.
BOH has about the same amout of shares outstanding than it did 1 year ago.
Compared to 5 years ago, BOH has less shares outstanding
Compared to 1 year ago, BOH has an improved debt to assets ratio.
2.2 Solvency
BOH has a debt to FCF ratio of 0.47. This is a very positive value and a sign of high solvency as it would only need 0.47 years to pay back of all of its debts.
Looking at the Debt to FCF ratio, with a value of 0.47, BOH belongs to the top of the industry, outperforming 82.83% of the companies in the same industry.
BOH has a Debt/Equity ratio of 0.03. This is a healthy value indicating a solid balance between debt and equity.
With an excellent Debt to Equity ratio value of 0.03, BOH belongs to the best of the industry, outperforming 83.59% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.03 | ||
| Debt/FCF | 0.47 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC16.33%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The earnings per share for BOH have decreased by -0.28% in the last year.
The Earnings Per Share has been decreasing by -8.82% on average over the past years.
BOH shows a decrease in Revenue. In the last year, the revenue decreased by -0.05%.
The Revenue has been decreasing by -1.26% on average over the past years.
EPS 1Y (TTM)-0.28%
EPS 3Y-17.5%
EPS 5Y-8.82%
EPS Q2Q%11.49%
Revenue 1Y (TTM)-0.05%
Revenue growth 3Y-1.5%
Revenue growth 5Y-1.26%
Sales Q2Q%8.73%
3.2 Future
Based on estimates for the next years, BOH will show a quite strong growth in Earnings Per Share. The EPS will grow by 17.52% on average per year.
Based on estimates for the next years, BOH will show a quite strong growth in Revenue. The Revenue will grow by 9.54% on average per year.
EPS Next Y26.69%
EPS Next 2Y21.87%
EPS Next 3Y17.52%
EPS Next 5YN/A
Revenue Next Year11.26%
Revenue Next 2Y9.54%
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.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 18.08, the valuation of BOH can be described as rather expensive.
78.28% of the companies in the same industry are cheaper than BOH, based on the Price/Earnings ratio.
BOH is valuated rather cheaply when we compare the Price/Earnings ratio to 26.60, which is the current average of the S&P500 Index.
With a Price/Forward Earnings ratio of 12.52, BOH is valued correctly.
Based on the Price/Forward Earnings ratio, BOH is valued a bit more expensive than the industry average as 70.20% of the companies are valued more cheaply.
BOH's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 22.39.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 18.08 | ||
| Fwd PE | 12.52 |
4.2 Price Multiples
BOH's Price/Free Cash Flow ratio is a bit more expensive when compared to the industry. BOH is more expensive than 75.25% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 20.74 | ||
| EV/EBITDA | N/A |
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 17.52% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.68
PEG (5Y)N/A
EPS Next 2Y21.87%
EPS Next 3Y17.52%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 4.25%, BOH is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 3.51, BOH pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.39, BOH pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.25% |
5.2 History
The dividend of BOH has a limited annual growth rate of 3.83%.
BOH has been paying a dividend for at least 10 years, so it has a reliable track record.
BOH has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)3.83%
Div Incr Years1
Div Non Decr Years34
5.3 Sustainability
90.67% 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.
DP90.67%
EPS Next 2Y21.87%
EPS Next 3Y17.52%
NYSE:BOH (6/13/2025, 2:36:42 PM)
65.26
-1.51 (-2.26%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners80.58%
Inst Owner Change0.44%
Ins Owners1%
Ins Owner Change-2.36%
Market Cap2.59B
Analysts48.57
Price Target72.93 (11.75%)
Short Float %9.8%
Short Ratio7.89
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.25% |
Yearly Dividend3.14
Dividend Growth(5Y)3.83%
DP90.67%
Div Incr Years1
Div Non Decr Years34
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)4.29%
Min EPS beat(2)0.75%
Max EPS beat(2)7.83%
EPS beat(4)3
Avg EPS beat(4)4.91%
Min EPS beat(4)-0.68%
Max EPS beat(4)11.75%
EPS beat(8)3
Avg EPS beat(8)-2.19%
EPS beat(12)6
Avg EPS beat(12)-1.55%
EPS beat(16)10
Avg EPS beat(16)2.86%
Revenue beat(2)0
Avg Revenue beat(2)-0.99%
Min Revenue beat(2)-1.35%
Max Revenue beat(2)-0.62%
Revenue beat(4)1
Avg Revenue beat(4)-0.58%
Min Revenue beat(4)-1.35%
Max Revenue beat(4)0.85%
Revenue beat(8)2
Avg Revenue beat(8)-0.72%
Revenue beat(12)2
Avg Revenue beat(12)-1.43%
Revenue beat(16)2
Avg Revenue beat(16)-1.29%
PT rev (1m)1.66%
PT rev (3m)-3.81%
EPS NQ rev (1m)-0.54%
EPS NQ rev (3m)8.61%
EPS NY rev (1m)9.39%
EPS NY rev (3m)10.57%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)2.34%
Revenue NY rev (1m)0%
Revenue NY rev (3m)2.38%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 18.08 | ||
| Fwd PE | 12.52 | ||
| P/S | 3.97 | ||
| P/FCF | 20.74 | ||
| P/OCF | 18.53 | ||
| P/B | 1.52 | ||
| P/tB | 1.57 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.61
EY5.53%
EPS(NY)5.21
Fwd EY7.99%
FCF(TTM)3.15
FCFY4.82%
OCF(TTM)3.52
OCFY5.4%
SpS16.43
BVpS42.91
TBVpS41.65
PEG (NY)0.68
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.59% | ||
| ROE | 8.31% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 21.7% | ||
| GM | N/A | ||
| FCFM | 19.15% |
ROA(3y)0.73%
ROA(5y)0.81%
ROE(3y)12.11%
ROE(5y)12.61%
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
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-16.9%
PM growth 5Y-8.32%
GM growth 3YN/A
GM growth 5YN/A
F-Score4
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.03 | ||
| Debt/FCF | 0.47 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 44.11% | ||
| Cap/Sales | 2.29% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 88.26% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score4
WACC16.33%
ROIC/WACCN/A
Cap/Depr(3y)64.59%
Cap/Depr(5y)92.96%
Cap/Sales(3y)2.35%
Cap/Sales(5y)3.06%
Profit Quality(3y)116.23%
Profit Quality(5y)112.79%
High Growth Momentum
Growth
EPS 1Y (TTM)-0.28%
EPS 3Y-17.5%
EPS 5Y-8.82%
EPS Q2Q%11.49%
EPS Next Y26.69%
EPS Next 2Y21.87%
EPS Next 3Y17.52%
EPS Next 5YN/A
Revenue 1Y (TTM)-0.05%
Revenue growth 3Y-1.5%
Revenue growth 5Y-1.26%
Sales Q2Q%8.73%
Revenue Next Year11.26%
Revenue Next 2Y9.54%
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 1Y-46.78%
FCF growth 3Y-21.94%
FCF growth 5Y-1.31%
OCF growth 1Y-46.21%
OCF growth 3Y-22.08%
OCF growth 5Y-5.29%