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BANK OF HAWAII CORP (BOH) Stock Fundamental Analysis

NYSE:BOH - New York Stock Exchange, Inc. - US0625401098 - Common Stock - Currency: USD

65.92  -0.42 (-0.63%)

After market: 65.92 0 (0%)

Fundamental Rating

4

BOH gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 398 industry peers in the Banks industry. While BOH seems to be doing ok healthwise, there are quite some concerns on its profitability. BOH is valied quite expensively at the moment, while it does show a decent growth rate. Finally BOH also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

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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.
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.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M

1.2 Ratios

With a Return On Assets value of 0.58%, BOH is not doing good in the industry: 68.09% of the companies in the same industry are doing better.
BOH has a Return On Equity (8.24%) which is comparable to the rest of the industry.
Industry RankSector Rank
ROA 0.58%
ROE 8.24%
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
BOH Yearly ROA, ROE, ROICBOH Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

1.3 Margins

Looking at the Profit Margin, with a value of 21.49%, BOH is in line with its industry, outperforming 42.46% of the companies in the same industry.
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 RankSector Rank
OM N/A
PM (TTM) 21.49%
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
BOH Yearly Profit, Operating, Gross MarginsBOH Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 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.
Compared to 5 years ago, BOH has less shares outstanding
Compared to 1 year ago, BOH has an improved debt to assets ratio.
BOH Yearly Shares OutstandingBOH Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M
BOH Yearly Total Debt VS Total AssetsBOH Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5B 10B 15B 20B

2.2 Solvency

The Debt to FCF ratio of BOH is 0.64, which is an excellent value as it means it would take BOH, only 0.64 years of fcf income to pay off all of its debts.
With a decent Debt to FCF ratio value of 0.64, BOH is doing good in the industry, outperforming 79.90% of the companies in the same industry.
BOH has a Debt/Equity ratio of 0.06. This is a healthy value indicating a solid balance between debt and equity.
The Debt to Equity ratio of BOH (0.06) is better than 77.89% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.06
Debt/FCF 0.64
Altman-Z N/A
ROIC/WACCN/A
WACC16.31%
BOH Yearly LT Debt VS Equity VS FCFBOH Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M 1B

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4

3. Growth

3.1 Past

BOH shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -0.28%.
BOH shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -8.82% yearly.
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%8.74%

3.2 Future

The Earnings Per Share is expected to grow by 16.61% on average over the next years. This is quite good.
Based on estimates for the next years, BOH will show a quite strong growth in Revenue. The Revenue will grow by 9.16% on average per year.
EPS Next Y15.81%
EPS Next 2Y16.94%
EPS Next 3Y16.61%
EPS Next 5YN/A
Revenue Next Year10.51%
Revenue Next 2Y9.16%
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.
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.
BOH Yearly Revenue VS EstimatesBOH Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 200M 400M 600M
BOH Yearly EPS VS EstimatesBOH Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2 4 6

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2

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 18.26, the valuation of BOH can be described as rather expensive.
Compared to the rest of the industry, the Price/Earnings ratio of BOH indicates a slightly more expensive valuation: BOH is more expensive than 78.14% of the companies listed in the same industry.
BOH is valuated rather cheaply when we compare the Price/Earnings ratio to 28.78, which is the current average of the S&P500 Index.
The Price/Forward Earnings ratio is 13.73, which indicates a correct valuation of BOH.
Based on the Price/Forward Earnings ratio, BOH is valued a bit more expensive than 69.85% of the companies in the same industry.
BOH is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 21.32, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 18.26
Fwd PE 13.73
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

66.08% of the companies in the same industry are cheaper than BOH, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 15.52
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 PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
BOH's earnings are expected to grow with 16.61% in the coming years. This may justify a more expensive valuation.
PEG (NY)1.15
PEG (5Y)N/A
EPS Next 2Y16.94%
EPS Next 3Y16.61%

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7

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 4.22%, BOH is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 3.52, BOH pays a bit more dividend than its industry peers.
BOH's Dividend Yield is rather good when compared to the S&P500 average which is at 2.46.
Industry RankSector Rank
Dividend Yield 4.22%

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
BOH Yearly Dividends per shareBOH Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1 2 3

5.3 Sustainability

90.98% 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.
DP90.98%
EPS Next 2Y16.94%
EPS Next 3Y16.61%
BOH Yearly Income VS Free CF VS DividendBOH Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 (4/25/2025, 8:04:00 PM)

After market: 65.92 0 (0%)

65.92

-0.42 (-0.63%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-21 2025-04-21/bmo
Earnings (Next)07-21 2025-07-21/bmo
Inst Owners80.58%
Inst Owner Change-50.51%
Ins Owners1%
Ins Owner Change-2.98%
Market Cap2.62B
Analysts48.57
Price Target71.74 (8.83%)
Short Float %10.65%
Short Ratio8
Dividend
Industry RankSector Rank
Dividend Yield 4.22%
Yearly Dividend3.14
Dividend Growth(5Y)3.83%
DP90.98%
Div Incr Years1
Div Non Decr Years34
Ex-Date02-28 2025-02-28 (0.7)
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)6.25%
Min EPS beat(2)0.75%
Max EPS beat(2)11.75%
EPS beat(4)2
Avg EPS beat(4)2.8%
Min EPS beat(4)-0.68%
Max EPS beat(4)11.75%
EPS beat(8)2
Avg EPS beat(8)-4.13%
EPS beat(12)6
Avg EPS beat(12)-1.36%
EPS beat(16)10
Avg EPS beat(16)4.19%
Revenue beat(2)1
Avg Revenue beat(2)-0.25%
Min Revenue beat(2)-1.35%
Max Revenue beat(2)0.85%
Revenue beat(4)1
Avg Revenue beat(4)-1.28%
Min Revenue beat(4)-3.45%
Max Revenue beat(4)0.85%
Revenue beat(8)2
Avg Revenue beat(8)-0.96%
Revenue beat(12)2
Avg Revenue beat(12)-1.47%
Revenue beat(16)2
Avg Revenue beat(16)-1.36%
PT rev (1m)-5.38%
PT rev (3m)-2.76%
EPS NQ rev (1m)3.35%
EPS NQ rev (3m)11.31%
EPS NY rev (1m)1.08%
EPS NY rev (3m)11.73%
Revenue NQ rev (1m)0.28%
Revenue NQ rev (3m)3.25%
Revenue NY rev (1m)1.68%
Revenue NY rev (3m)5.3%
Valuation
Industry RankSector Rank
PE 18.26
Fwd PE 13.73
P/S 4.1
P/FCF 15.52
P/OCF 14.68
P/B 1.57
P/tB 1.62
EV/EBITDA N/A
EPS(TTM)3.61
EY5.48%
EPS(NY)4.8
Fwd EY7.28%
FCF(TTM)4.25
FCFY6.44%
OCF(TTM)4.49
OCFY6.81%
SpS16.09
BVpS41.98
TBVpS40.7
PEG (NY)1.15
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.58%
ROE 8.24%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 21.49%
GM N/A
FCFM 26.41%
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-Score5
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.06
Debt/FCF 0.64
Debt/EBITDA N/A
Cap/Depr 30.71%
Cap/Sales 1.51%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 122.87%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC16.31%
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 Y15.81%
EPS Next 2Y16.94%
EPS Next 3Y16.61%
EPS Next 5YN/A
Revenue 1Y (TTM)-0.05%
Revenue growth 3Y-1.5%
Revenue growth 5Y-1.26%
Sales Q2Q%8.74%
Revenue Next Year10.51%
Revenue Next 2Y9.16%
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 1Y19.85%
FCF growth 3Y-21.94%
FCF growth 5Y-1.31%
OCF growth 1Y18.79%
OCF growth 3Y-22.08%
OCF growth 5Y-5.29%