BANK OF HAWAII CORP (BOH) Stock Fundamental Analysis
USA - NYSE:BOH - US0625401098 - Common Stock
65.54 USD
+1.47 (+2.29%)
65.54 USD
0 (0%)
Overall BOH gets a fundamental rating of 4 out of 10. We evaluated BOH against 390 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 quite expensive at the moment. It does show a decent growth rate. BOH also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
In the past year BOH was profitable.
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 each of the past 5 years.
1.2 Ratios
With a Return On Assets value of 0.64%, BOH is not doing good in the industry: 67.44% of the companies in the same industry are doing better.
BOH's Return On Equity of 8.71% is in line compared to the rest of the industry. BOH outperforms 51.54% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.64% | ||
| ROE | 8.71% | ||
| 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 (22.66%) which is comparable to the rest of the industry.
BOH's Profit Margin has declined in the last couple of years.
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) | 22.66% | ||
| 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.
The number of shares outstanding for BOH remains at a similar level compared to 1 year ago.
Compared to 5 years ago, BOH has less shares outstanding
BOH has a better debt/assets ratio than last year.
2.2 Solvency
BOH has a debt to FCF ratio of 0.37. This is a very positive value and a sign of high solvency as it would only need 0.37 years to pay back of all of its debts.
BOH has a Debt to FCF ratio of 0.37. This is amongst the best in the industry. BOH outperforms 83.08% of its industry peers.
BOH has a Debt/Equity ratio of 0.03. This is a healthy value indicating a solid balance between debt and equity.
BOH has a better Debt to Equity ratio (0.03) than 83.08% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.03 | ||
| Debt/FCF | 0.37 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC16.12%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 20.71% over the past 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 -5.13%.
BOH shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -1.26% yearly.
EPS 1Y (TTM)20.71%
EPS 3Y-17.5%
EPS 5Y-8.82%
EPS Q2Q%29.03%
Revenue 1Y (TTM)-5.13%
Revenue growth 3Y-1.5%
Revenue growth 5Y-1.26%
Sales Q2Q%12.24%
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 16.54% on average per year.
The Revenue is expected to grow by 7.07% on average over the next years.
EPS Next Y27.62%
EPS Next 2Y21.44%
EPS Next 3Y16.54%
EPS Next 5YN/A
Revenue Next Year10.75%
Revenue Next 2Y8.7%
Revenue Next 3Y7.07%
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.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 16.06, BOH is valued correctly.
BOH's Price/Earnings ratio is a bit more expensive when compared to the industry. BOH is more expensive than 73.08% of the companies in the same industry.
When comparing the Price/Earnings ratio of BOH to the average of the S&P500 Index (27.00), we can say BOH is valued slightly cheaper.
A Price/Forward Earnings ratio of 12.66 indicates a correct valuation of BOH.
Compared to the rest of the industry, the Price/Forward Earnings ratio of BOH indicates a slightly more expensive valuation: BOH is more expensive than 68.46% of the companies listed in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.87, BOH is valued a bit cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.06 | ||
| Fwd PE | 12.66 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, BOH is valued a bit more expensive than the industry average as 64.10% of the companies are valued more cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 16.78 | ||
| 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 16.54% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.58
PEG (5Y)N/A
EPS Next 2Y21.44%
EPS Next 3Y16.54%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 6.57%, BOH is a good candidate for dividend investing.
BOH's Dividend Yield is rather good when compared to the industry average which is at 3.50. BOH pays more dividend than 93.08% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.31, BOH pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.57% |
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 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
86.84% 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.
DP86.84%
EPS Next 2Y21.44%
EPS Next 3Y16.54%
65.54
+1.47 (+2.29%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners81.36%
Inst Owner Change-1.57%
Ins Owners1.01%
Ins Owner Change-0.2%
Market Cap2.61B
Revenue(TTM)639.11M
Net Income(TTM)151.90M
Analysts50
Price Target72.08 (9.98%)
Short Float %8.97%
Short Ratio8.91
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.57% |
Yearly Dividend3.14
Dividend Growth(5Y)3.83%
DP86.84%
Div Incr Years1
Div Non Decr Years34
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)3.8%
Min EPS beat(2)-0.24%
Max EPS beat(2)7.83%
EPS beat(4)3
Avg EPS beat(4)5.02%
Min EPS beat(4)-0.24%
Max EPS beat(4)11.75%
EPS beat(8)3
Avg EPS beat(8)-2.07%
EPS beat(12)5
Avg EPS beat(12)-1.7%
EPS beat(16)9
Avg EPS beat(16)1.15%
Revenue beat(2)0
Avg Revenue beat(2)-1.85%
Min Revenue beat(2)-3.08%
Max Revenue beat(2)-0.62%
Revenue beat(4)1
Avg Revenue beat(4)-1.05%
Min Revenue beat(4)-3.08%
Max Revenue beat(4)0.85%
Revenue beat(8)2
Avg Revenue beat(8)-0.81%
Revenue beat(12)2
Avg Revenue beat(12)-1.68%
Revenue beat(16)2
Avg Revenue beat(16)-1.48%
PT rev (1m)0%
PT rev (3m)-3.69%
EPS NQ rev (1m)-0.13%
EPS NQ rev (3m)0.2%
EPS NY rev (1m)-0.28%
EPS NY rev (3m)-0.63%
Revenue NQ rev (1m)0.16%
Revenue NQ rev (3m)-0.98%
Revenue NY rev (1m)0.14%
Revenue NY rev (3m)-0.95%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.06 | ||
| Fwd PE | 12.66 | ||
| P/S | 3.89 | ||
| P/FCF | 16.78 | ||
| P/OCF | 14.96 | ||
| P/B | 1.5 | ||
| P/tB | 1.54 | ||
| EV/EBITDA | N/A |
EPS(TTM)4.08
EY6.23%
EPS(NY)5.18
Fwd EY7.9%
FCF(TTM)3.9
FCFY5.96%
OCF(TTM)4.38
OCFY6.69%
SpS16.85
BVpS43.83
TBVpS42.58
PEG (NY)0.58
PEG (5Y)N/A
Graham Number63.43
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.64% | ||
| ROE | 8.71% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 22.66% | ||
| GM | N/A | ||
| FCFM | 23.17% |
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
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-16.9%
PM growth 5Y-8.32%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.03 | ||
| Debt/FCF | 0.37 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 143.66% | ||
| Cap/Sales | 2.83% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 102.24% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score8
WACC16.12%
ROIC/WACCN/A
Cap/Depr(3y)75.65%
Cap/Depr(5y)99.59%
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)20.71%
EPS 3Y-17.5%
EPS 5Y-8.82%
EPS Q2Q%29.03%
EPS Next Y27.62%
EPS Next 2Y21.44%
EPS Next 3Y16.54%
EPS Next 5YN/A
Revenue 1Y (TTM)-5.13%
Revenue growth 3Y-1.5%
Revenue growth 5Y-1.26%
Sales Q2Q%12.24%
Revenue Next Year10.75%
Revenue Next 2Y8.7%
Revenue Next 3Y7.07%
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 1Y15.21%
FCF growth 3Y-21.94%
FCF growth 5Y-1.31%
OCF growth 1Y12.23%
OCF growth 3Y-22.08%
OCF growth 5Y-5.29%
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 4 / 10 to BOH.
What is the valuation status for BOH stock?
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 is the valuation of BANK OF HAWAII CORP based on its PE and PB ratios?
The Price/Earnings (PE) ratio for BANK OF HAWAII CORP (BOH) is 16.06 and the Price/Book (PB) ratio is 1.5.
Can you provide the expected EPS growth for BOH stock?
The Earnings per Share (EPS) of BANK OF HAWAII CORP (BOH) is expected to grow by 27.62% in the next year.