BOH

Bank of Hawaii Corporation

Fundamental data last updated:June 12, 2026

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company profile

SECTOR

Financial Services

industry

Banks - Regional

Exchange

NYSE

County of HQ

US

Next Earnings Date

07/27/2026

Business Summary

Bank of Hawaii Corporation operates as the bank holding company for Bank of Hawaii that provides various financial products and services in Hawaii, Guam, and other Pacific Islands. It operates in three segments: Consumer Banking, Commercial Banking, and Treasury and Other. The Consumer Banking segment offers checking, savings, and time deposit accounts; residential mortgage loans, home equity lines of credit, automobile loans and leases, personal lines of credit, installment loans, small business loans and leases, and credit cards; private and international client banking, investment, credit, and trust services to individuals and families, and high-net-worth individuals; investment management; institutional investment advisory services to corporations, government entities, and foundations; and brokerage offerings, including equities, mutual funds, life insurance, and annuity products. This segment operates 54 branch locations and 307 ATMs throughout Hawaii and the Pacific Islands, and a customer service center, as well as through online and mobile banking. The Commercial Banking segment provides corporate banking, commercial real estate loans, commercial lease financing, auto dealer financing, and deposit products. It offers commercial lending and deposit products to middle-market and large companies, and government entities; commercial real estate mortgages to investors, developers, and builders; and international banking and merchant services. The Treasury and Other segment offers corporate asset and liability management services, including interest rate risk management and foreign exchange services. Bank of Hawaii Corporation was founded in 1897 and is headquartered in Honolulu, Hawaii.

 


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VALUATION

P/E

13.94

Market Cap ($M USD)

$3.06B

Forward P/E

9.63

PEG

0.21

PRICE TO SALES

2.87

PRICE TO BOOK

1.65

EV / EBITDA

8.78

5-Year Average P/E

Free Cash Flow Yield

7.16%

DCF Value

$66.22

Graham Number

$76.46

Price to FCF

13.98

EV to FCF

12.45

Earnings Yield

7.17%

FCF Yield

7.16%

DIVIDEND

Yield

3.62%

Annual Payout

$2.80

Payout Ratio

61.15%

Consecutive Years of Dividend Growth

5-Year Dividend Growth Rate

Financial Health & Profitability

Earnings Per Share

$5.54

Next Year EPS Growth Estimate

$8.03

Next Year Revenue Growth Estimate

$71.74B

Return on Equity (ROE)

12.12%

FREE CASH FLOW

Operating Margin

26.24%

Debt-to-Equity

0.05

Piotroski F-Score

8

Altman Z-Score

0.32

Return on Invested Capital (ROIC)

1.18%

Current Ratio

5.43

Quick Ratio

5.43

Net Debt to EBITDA

-1.07

Interest Coverage

0.84

Gross Profit margin

67.90%

FCF PER SHARE

$5.54

REVENUE PER SHARE

$27.00

Analyze BOH on TradingView

Gainseekers Quantitative Analysis

Summary

The market seems to be mispricing BOH Bank of Hawaii Corporation. With a snapshot price above its DCF value and Graham Number, it suggests overvaluation. However, the Forward P/E of 10.02 and a compelling Earnings Yield of 6.89% indicate potential undervaluation relative to future earnings. The Altman Z-score of 0.33 raises red flags about financial distress, suggesting caution. Overall, the stock presents a mixed bag of valuation signals, with growth potential shadowed by financial safety concerns.

AI Exposure / Tech Reliance

In the realm of AI and tech resilience, BOH operates in the regional banking sector, which traditionally lags in tech adoption. However, the industry is slowly integrating AI for risk management and customer service enhancements. BOH's ability to adapt will depend on its investment in tech infrastructure and partnerships with fintech firms.

The Bull Case

For the value or GARP investor, BOH offers a compelling case. The Piotroski F-Score of 8 signals strong financial health, while a robust ROIC of 1.29% and a healthy FCF Yield suggest efficient capital allocation. Its operating margin of 28.27% underscores pricing power and operational efficiency. These metrics paint a picture of a bank that knows how to generate and retain value, making it an attractive buy for those seeking growth at a reasonable price.

The Bear Case

Despite some strengths, BOH faces significant structural risks. The Price/Book ratio of 1.72 and Price/Sales of 2.92 indicate a potentially overvalued stock. The Altman Z-score is alarmingly low, hinting at financial instability. Additionally, trading close to its 52-week high suggests technical overextension, making it vulnerable to market corrections. Investors should be wary of these risks before diving in.

Market Sentiment & Smart Money

Short Interest %

Analyst Consensus

Hold

Average Analyst Price Target

$82.00

Institutional Ownership %

1-Year Beta

0.72

Insider Buying % (6 Mo)

Distance to 52-Week High

7.05%

Distance to 52-Week Low

23.20%

EARNINGS SURPRISE %

-2.26%

50-DAY SMA

$77.02

200-DAY SMA

$71.13

⚠️ Financial Disclaimer:
This content is for informational purposes only and is not financial advice. Information may be delayed or inaccurate. We may earn a commission from partner links.