BANK OF HAWAII CORP (BOH) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:BOH - US0625401098 - Common Stock
65.89 USD
-0.33 (-0.5%)
BOH gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 387 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 not valued too expensively and it also shows 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.
In the past year BOH had a positive cash flow from operations.
In the past 5 years BOH has always been profitable.
BOH had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
The Return On Assets of BOH (0.68%) is worse than 66.41% of its industry peers.
BOH's Return On Equity of 9.10% is in line compared to the rest of the industry. BOH outperforms 53.49% 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
The Profit Margin of BOH (23.62%) is comparable to the rest of the 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 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.
Compared to 1 year ago, BOH has an improved debt to assets ratio.
2.2 Solvency
BOH has a debt to FCF ratio of 0.28. This is a very positive value and a sign of high solvency as it would only need 0.28 years to pay back of all of its debts.
BOH's Debt to FCF ratio of 0.28 is amongst the best of the industry. BOH outperforms 84.50% 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.
With an excellent Debt to Equity ratio value of 0.03, BOH belongs to the best of the industry, outperforming 83.46% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.03 | ||
| Debt/FCF | 0.28 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC16.06%
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.
The Revenue has grown by 8.87% in the past year. This is quite good.
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
The Earnings Per Share is expected to grow by 19.20% on average over the next years. This is quite good.
Based on estimates for the next years, BOH will show a small growth in Revenue. The Revenue will grow by 7.81% on average per year.
EPS Next Y28.28%
EPS Next 2Y24.03%
EPS Next 3Y19.2%
EPS Next 5YN/A
Revenue Next Year11.21%
Revenue Next 2Y9.47%
Revenue Next 3Y7.81%
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.
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 16.15, BOH is valued correctly.
BOH's Price/Earnings ratio is a bit more expensive when compared to the industry. BOH is more expensive than 73.64% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 26.11, BOH is valued a bit cheaper.
The Price/Forward Earnings ratio is 12.20, which indicates a correct valuation of BOH.
BOH's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. BOH is more expensive than 66.15% of the companies in the same industry.
BOH's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 36.21.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.15 | ||
| Fwd PE | 12.2 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of BOH is on the same level as its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 12.55 | ||
| 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.
BOH's earnings are expected to grow with 19.20% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.57
PEG (5Y)N/A
EPS Next 2Y24.03%
EPS Next 3Y19.2%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 4.22%, BOH is a good candidate for dividend investing.
BOH's Dividend Yield is rather good when compared to the industry average which is at 3.15. BOH pays more dividend than 84.50% of the companies in the same industry.
BOH's Dividend Yield is rather good when compared to the S&P500 average which is at 2.32.
| Industry Rank | Sector 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 their dividend for at least 10 years, which is a reliable track record.
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.
BOH's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP82.13%
EPS Next 2Y24.03%
EPS Next 3Y19.2%
NYSE:BOH (12/2/2025, 2:29:50 PM)
65.89
-0.33 (-0.5%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners81.36%
Inst Owner Change-0.41%
Ins Owners1.01%
Ins Owner Change0.19%
Market Cap2.62B
Revenue(TTM)690.21M
Net Income(TTM)163.05M
Analysts50
Price Target73.61 (11.72%)
Short Float %8.28%
Short Ratio8.05
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.22% |
Yearly Dividend3.14
Dividend Growth(5Y)3.83%
DP82.13%
Div Incr Years1
Div Non Decr Years34
Ex-Date
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)2.12%
PT rev (3m)2.36%
EPS NQ rev (1m)2.41%
EPS NQ rev (3m)1.69%
EPS NY rev (1m)0.52%
EPS NY rev (3m)-0.01%
Revenue NQ rev (1m)0.09%
Revenue NQ rev (3m)0.5%
Revenue NY rev (1m)0.42%
Revenue NY rev (3m)0.56%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.15 | ||
| Fwd PE | 12.2 | ||
| P/S | 3.8 | ||
| P/FCF | 12.55 | ||
| P/OCF | 11.3 | ||
| P/B | 1.46 | ||
| P/tB | 1.51 | ||
| EV/EBITDA | N/A |
EPS(TTM)4.08
EY6.19%
EPS(NY)5.4
Fwd EY8.19%
FCF(TTM)5.25
FCFY7.97%
OCF(TTM)5.83
OCFY8.85%
SpS17.35
BVpS45.02
TBVpS43.77
PEG (NY)0.57
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
WACC16.06%
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 Y28.28%
EPS Next 2Y24.03%
EPS Next 3Y19.2%
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 Year11.21%
Revenue Next 2Y9.47%
Revenue Next 3Y7.81%
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.
What is the valuation status for BOH stock?
ChartMill assigns a valuation rating of 4 / 10 to BANK OF HAWAII CORP (BOH). This can be considered as Fairly Valued.
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 16.15 and the Price/Book (PB) ratio is 1.46.
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 28.28% in the next year.