BANK OF HAWAII CORP (BOH) Fundamental Analysis & Valuation

NYSE:BOH • US0625401098

Current stock price

73.09 USD
+0.4 (+0.55%)
Last:

This BOH fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

3

1. BOH Profitability Analysis

1.1 Basic Checks

  • In the past year BOH was profitable.
  • BOH had a positive operating cash flow in the past year.
  • Each year in the past 5 years BOH has been profitable.
  • In the past 5 years BOH always reported a positive cash flow from operatings.
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

  • BOH's Return On Assets of 0.76% is on the low side compared to the rest of the industry. BOH is outperformed by 66.58% of its industry peers.
  • BOH's Return On Equity of 9.98% is fine compared to the rest of the industry. BOH outperforms 60.79% of its industry peers.
Industry RankSector Rank
ROA 0.76%
ROE 9.98%
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

  • The Profit Margin of BOH (25.79%) is comparable to the rest of the industry.
  • In the last couple of years the Profit Margin of BOH has grown nicely.
  • 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) 25.79%
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. BOH Health Analysis

2.1 Basic Checks

  • BOH does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • Compared to 1 year ago, BOH has about the same amount of shares outstanding.
  • The number of shares outstanding for BOH has been reduced compared to 5 years ago.
  • The debt/assets ratio for BOH has been reduced compared to a year ago.
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

  • The Debt to FCF ratio of BOH is 0.32, which is an excellent value as it means it would take BOH, only 0.32 years of fcf income to pay off all of its debts.
  • Looking at the Debt to FCF ratio, with a value of 0.32, BOH belongs to the top of the industry, outperforming 85.00% 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 84.21% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.03
Debt/FCF 0.32
Altman-Z N/A
ROIC/WACCN/A
WACC15.4%
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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7

3. BOH Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 31.62% over the past year.
  • BOH shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 3.66% yearly.
  • The Revenue has grown by 12.13% in the past year. This is quite good.
  • BOH shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 1.03% yearly.
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 21.28% yearly.
  • BOH is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 10.24% yearly.
EPS Next Y30.67%
EPS Next 2Y21.28%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year12.71%
Revenue Next 2Y10.24%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
  • 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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3

4. BOH Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 15.82, the valuation of BOH can be described as correct.
  • Based on the Price/Earnings ratio, BOH is valued a bit more expensive than the industry average as 78.42% of the companies are valued more cheaply.
  • When comparing the Price/Earnings ratio of BOH to the average of the S&P500 Index (24.89), we can say BOH is valued slightly cheaper.
  • A Price/Forward Earnings ratio of 12.11 indicates a correct valuation of BOH.
  • Based on the Price/Forward Earnings ratio, BOH is valued a bit more expensive than 67.37% of the companies in the same industry.
  • BOH's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 22.19.
Industry RankSector Rank
PE 15.82
Fwd PE 12.11
BOH Price Earnings VS Forward Price EarningsBOH Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20

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 67.37% of the companies in the same industry.
Industry RankSector Rank
P/FCF 15.76
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

  • BOH's 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 21.28% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.52
PEG (5Y)4.32
EPS Next 2Y21.28%
EPS Next 3YN/A

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

7

5. BOH Dividend Analysis

5.1 Amount

  • BOH has a Yearly Dividend Yield of 3.78%.
  • BOH's Dividend Yield is a higher than the industry average which is at 2.66.
  • BOH's Dividend Yield is rather good when compared to the S&P500 average which is at 1.89.
Industry RankSector Rank
Dividend Yield 3.78%

5.2 History

  • The dividend of BOH has a limited annual growth rate of 4.66%.
  • 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)4.66%
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

  • 72.52% 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.
DP72.52%
EPS Next 2Y21.28%
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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BOH Fundamentals: All Metrics, Ratios and Statistics

BANK OF HAWAII CORP

NYSE:BOH (3/30/2026, 1:30:04 PM)

73.09

+0.4 (+0.55%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-26
Earnings (Next)04-20
Inst Owners79.13%
Inst Owner Change-2.91%
Ins Owners1.02%
Ins Owner Change1.68%
Market Cap2.90B
Revenue(TTM)716.63M
Net Income(TTM)184.83M
Analysts52.86
Price Target84.83 (16.06%)
Short Float %7.53%
Short Ratio6.45
Dividend
Industry RankSector Rank
Dividend Yield 3.78%
Yearly Dividend3.37
Dividend Growth(5Y)4.66%
DP72.52%
Div Incr Years1
Div Non Decr Years34
Ex-Date02-27
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)5.01%
Min EPS beat(2)1.17%
Max EPS beat(2)8.84%
EPS beat(4)3
Avg EPS beat(4)4.4%
Min EPS beat(4)-0.24%
Max EPS beat(4)8.84%
EPS beat(8)5
Avg EPS beat(8)3.6%
EPS beat(12)5
Avg EPS beat(12)-1.29%
EPS beat(16)9
Avg EPS beat(16)0.08%
Revenue beat(2)1
Avg Revenue beat(2)0.88%
Min Revenue beat(2)-0.06%
Max Revenue beat(2)1.82%
Revenue beat(4)1
Avg Revenue beat(4)-0.48%
Min Revenue beat(4)-3.08%
Max Revenue beat(4)1.82%
Revenue beat(8)2
Avg Revenue beat(8)-0.88%
Revenue beat(12)3
Avg Revenue beat(12)-0.8%
Revenue beat(16)3
Avg Revenue beat(16)-1.23%
PT rev (1m)0%
PT rev (3m)14.71%
EPS NQ rev (1m)0%
EPS NQ rev (3m)9.66%
EPS NY rev (1m)0.56%
EPS NY rev (3m)11.2%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)4.66%
Revenue NY rev (1m)0%
Revenue NY rev (3m)4.22%
Valuation
Industry RankSector Rank
PE 15.82
Fwd PE 12.11
P/S 4.05
P/FCF 15.76
P/OCF 13.3
P/B 1.57
P/tB 1.61
EV/EBITDA N/A
EPS(TTM)4.62
EY6.32%
EPS(NY)6.04
Fwd EY8.26%
FCF(TTM)4.64
FCFY6.35%
OCF(TTM)5.5
OCFY7.52%
SpS18.04
BVpS46.59
TBVpS45.36
PEG (NY)0.52
PEG (5Y)4.32
Graham Number69.6
Profitability
Industry RankSector Rank
ROA 0.76%
ROE 9.98%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 25.79%
GM N/A
FCFM 25.72%
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-Score8
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.03
Debt/FCF 0.32
Debt/EBITDA N/A
Cap/Depr 181.26%
Cap/Sales 4.75%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 99.71%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC15.4%
ROIC/WACCN/A
Cap/Depr(3y)91.21%
Cap/Depr(5y)102.87%
Cap/Sales(3y)2.55%
Cap/Sales(5y)3.03%
Profit Quality(3y)102.93%
Profit Quality(5y)118.02%
High Growth Momentum
Growth
EPS 1Y (TTM)31.62%
EPS 3Y-6.49%
EPS 5Y3.66%
EPS Q2Q%63.53%
EPS Next Y30.67%
EPS Next 2Y21.28%
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 Year12.71%
Revenue Next 2Y10.24%
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 1Y9.19%
FCF growth 3Y-15.39%
FCF growth 5Y10.26%
OCF growth 1Y22.35%
OCF growth 3Y-13.12%
OCF growth 5Y8.32%

BANK OF HAWAII CORP / BOH Fundamental Analysis FAQ

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

ChartMill assigns a fundamental rating of 4 / 10 to BOH.


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

ChartMill assigns a valuation rating of 3 / 10 to BANK OF HAWAII CORP (BOH). This can be considered as Overvalued.


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 15.82 and the Price/Book (PB) ratio is 1.57.


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.