BANK OF HAWAII CORP (BOH) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:BOH - US0625401098 - Common Stock
71.25 USD
-0.61 (-0.85%)
71.25 USD
0 (0%)
Overall BOH gets a fundamental rating of 4 out of 10. We evaluated BOH against 383 industry peers in the Banks industry. While BOH seems to be doing ok healthwise, there are quite some concerns on its profitability. While showing a medium growth rate, BOH is valued expensive at the moment. Finally BOH also has an excellent dividend rating.
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.
- BOH had positive earnings in each of the past 5 years.
- In the past 5 years BOH always reported a positive cash flow from operatings.
1.2 Ratios
- The Return On Assets of BOH (0.68%) is worse than 67.89% of its industry peers.
- BOH's Return On Equity of 9.10% is in line compared to the rest of the industry. BOH outperforms 52.22% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.68% | ||
| ROE | 9.1% | ||
| 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 of 23.62%. This is comparable to the rest of the industry: BOH outperforms 45.95% of its industry peers.
- 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) | 23.62% | ||
| 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.
- The number of shares outstanding for BOH has been reduced compared to 5 years ago.
- BOH has a better debt/assets ratio than last year.
2.2 Solvency
- The Debt to FCF ratio of BOH is 0.28, which is an excellent value as it means it would take BOH, only 0.28 years of fcf income to pay off all of its debts.
- With an excellent Debt to FCF ratio value of 0.28, BOH belongs to the best of the industry, outperforming 84.33% of the companies in the same industry.
- A Debt/Equity ratio of 0.03 indicates that BOH is not too dependend on debt financing.
- BOH has a better Debt to Equity ratio (0.03) than 84.07% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.03 | ||
| Debt/FCF | 0.28 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC15.82%
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.
- Measured over the past years, BOH shows a decrease in Earnings Per Share. The EPS has been decreasing by -8.82% on average per year.
- BOH shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 8.87%.
- Measured over the past years, BOH shows a decrease in Revenue. The Revenue has been decreasing by -1.26% on average per year.
EPS 1Y (TTM)20.71%
EPS 3Y-17.5%
EPS 5Y-8.82%
EPS Q2Q%29.03%
Revenue 1Y (TTM)8.87%
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 19.39% on average per year.
- Based on estimates for the next years, BOH will show a small growth in Revenue. The Revenue will grow by 7.75% on average per year.
EPS Next Y29.46%
EPS Next 2Y24.36%
EPS Next 3Y19.39%
EPS Next 5YN/A
Revenue Next Year11.22%
Revenue Next 2Y9.73%
Revenue Next 3Y7.75%
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
- The Price/Earnings ratio is 17.46, which indicates a rather expensive current valuation of BOH.
- Based on the Price/Earnings ratio, BOH is valued a bit more expensive than the industry average as 75.20% of the companies are valued more cheaply.
- Compared to an average S&P500 Price/Earnings ratio of 27.38, BOH is valued a bit cheaper.
- The Price/Forward Earnings ratio is 13.12, which 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 66.58% of the companies listed in the same industry.
- Compared to an average S&P500 Price/Forward Earnings ratio of 24.29, BOH is valued a bit cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 17.46 | ||
| Fwd PE | 13.12 |
4.2 Price Multiples
- BOH's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 13.57 | ||
| EV/EBITDA | N/A |
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.
- A more expensive valuation may be justified as BOH's earnings are expected to grow with 19.39% in the coming years.
PEG (NY)0.59
PEG (5Y)N/A
EPS Next 2Y24.36%
EPS Next 3Y19.39%
5. Dividend
5.1 Amount
- BOH has a Yearly Dividend Yield of 3.90%. 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 2.87.
- BOH's Dividend Yield is rather good when compared to the S&P500 average which is at 1.85.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.9% |
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
- BOH pays out 82.13% of its income as dividend. 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 2Y24.36%
EPS Next 3Y19.39%
71.25
-0.61 (-0.85%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-27 2025-10-27/bmo
Earnings (Next)01-26 2026-01-26/bmo
Inst Owners81.31%
Inst Owner Change0.44%
Ins Owners1.01%
Ins Owner Change-1.23%
Market Cap2.84B
Revenue(TTM)690.21M
Net Income(TTM)163.05M
Analysts50
Price Target74.12 (4.03%)
Short Float %7.47%
Short Ratio7.04
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.9% |
Yearly Dividend3.14
Dividend Growth(5Y)3.83%
DP82.13%
Div Incr Years1
Div Non Decr Years34
Ex-DateN/A
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)0.69%
PT rev (3m)3.07%
EPS NQ rev (1m)0.55%
EPS NQ rev (3m)3.72%
EPS NY rev (1m)0.4%
EPS NY rev (3m)1.16%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.46%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.42%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 17.46 | ||
| Fwd PE | 13.12 | ||
| P/S | 4.11 | ||
| P/FCF | 13.57 | ||
| P/OCF | 12.22 | ||
| P/B | 1.58 | ||
| P/tB | 1.63 | ||
| EV/EBITDA | N/A |
EPS(TTM)4.08
EY5.73%
EPS(NY)5.43
Fwd EY7.62%
FCF(TTM)5.25
FCFY7.37%
OCF(TTM)5.83
OCFY8.18%
SpS17.35
BVpS45.02
TBVpS43.77
PEG (NY)0.59
PEG (5Y)N/A
Graham Number64.28
Profitability
| Industry Rank | Sector 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)0.73%
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 | 0.28 | ||
| 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-Score8
WACC15.82%
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 Y29.46%
EPS Next 2Y24.36%
EPS Next 3Y19.39%
EPS Next 5YN/A
Revenue 1Y (TTM)8.87%
Revenue growth 3Y-1.5%
Revenue growth 5Y-1.26%
Sales Q2Q%12.24%
Revenue Next Year11.22%
Revenue Next 2Y9.73%
Revenue Next 3Y7.75%
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 1Y16.62%
FCF growth 3Y-21.94%
FCF growth 5Y-1.31%
OCF growth 1Y22.95%
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.
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 17.46 and the Price/Book (PB) ratio is 1.58.
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.