Bank Of Hawaii (BOH) AI Stock Analysis

• Market Cap: $2.70B
• Dividend Yield: 4.12%
• Average Volume (3M): 408.99K
• Price to Earnings (P/E): 17.8
• Beta (1Y): 0.83
• Revenue Growth: 2.74%
• EPS Growth: 7.24%
• Country: US
• Employees: 1,876
• Sector: Financial
• Sector Strength: 73
• Industry: Banks - Regional
• EPS (TTM): 1.06
• Shares Outstanding: 39,767,510
• 10 Day Avg. Volume: 307,280
• 30 Day Avg. Volume: 408,986
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): N/A
• P/FCF Ratio: N/A
• Enterprise Value/Market Cap: 1.10
• Enterprise Value/Revenue: 2.85
• Enterprise Value/Gross Profit: 4.58
• Enterprise Value/Ebitda: 11.83
• 1Y Price Target: $70.83
• Price Target Upside: 4.25% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 6

• Rating: 71 Outperform
• Price Target: $72.00 ▲(5.98% Upside)

Bank of Hawaii's overall stock score is driven by its solid financial foundation and positive earnings call sentiment. The company's consistent revenue growth and effective cost management are significant strengths. However, technical indicators suggest potential resistance, and challenges in loan growth and deposit fluctuations present risks. The attractive dividend yield supports the valuation score.

Positive Factors

Revenue Growth

Consistent revenue growth indicates the bank's ability to expand its market presence and enhance its service offerings, which is crucial for long-term sustainability.

Strong Capital Ratios

Strong capital ratios provide a buffer against economic downturns and enable the bank to pursue growth opportunities without compromising financial stability.

Effective Cost Management

Efficient cost management supports profitability and allows the bank to reinvest in strategic initiatives, enhancing competitive positioning over time.

Negative Factors

Declining Profit Margins

Declining profit margins can erode profitability, limiting the bank's ability to invest in growth and innovation, potentially impacting long-term competitiveness.

Deposit Fluctuations

Fluctuating deposits can affect the bank's liquidity and interest income, posing risks to financial stability and growth prospects in the long term.

Challenges in C&I Lending

Declines in C&I lending can limit revenue growth and reduce the bank's ability to capitalize on business lending opportunities, affecting future earnings potential.

Bank Of Hawaii Business Overview & Revenue Model

Company Description

Bank of Hawaii (BOH) is a regional financial institution headquartered in Honolulu, Hawaii, providing a wide range of banking and financial services primarily to residents and businesses in the Hawaiian Islands and the Pacific region. The bank operates through various segments, including retail banking, commercial banking, investment services, and wealth management. Its core products encompass personal and business checking and savings accounts, loans, mortgages, credit cards, and investment advisory services, catering to both individual and corporate clients.

How the Company Makes Money

Bank of Hawaii generates revenue through several key streams. The primary source of income is net interest income, which comes from the interest earned on loans and investments, minus the interest paid on deposits and borrowings. This includes personal loans, mortgages, and commercial loans. Additionally, the bank earns non-interest income through fees for banking services, such as account maintenance fees, ATM fees, and transaction fees. Wealth management services also contribute to revenue through advisory fees and commissions. The bank has strategic partnerships, such as with investment firms and technology providers, that enhance its service offerings and customer reach, thus contributing to its overall earnings.

Bank Of Hawaii Financial Statement Overview

Summary

Bank of Hawaii exhibits a solid financial foundation with consistent revenue growth and effective cost management. However, declining profitability margins and fluctuating cash flow growth present challenges. The balance sheet reflects a conservative financial strategy with low leverage, supporting long-term stability.

Income Statement

Bank of Hawaii has demonstrated consistent revenue growth, with a notable increase in the TTM period. The gross profit margin remains strong, indicating efficient cost management. However, there is a declining trend in net profit margin and EBIT margin over the years, suggesting potential challenges in maintaining profitability levels.

Balance Sheet

The company maintains a low debt-to-equity ratio in the TTM period, reflecting prudent financial leverage. Return on equity has decreased compared to previous years, indicating reduced profitability from shareholders' equity. The equity ratio remains stable, suggesting a solid capital structure.

Cash Flow

Operating cash flow has shown improvement in the TTM period, with a strong operating cash flow to net income ratio. However, free cash flow growth has been volatile, and the free cash flow to net income ratio indicates that cash generation from operations is not fully translating into free cash flow.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	1.04B	1.03B	965.77M	754.91M	689.41M	730.83M
Gross Profit	648.76M	621.19M	643.42M	705.90M	710.49M	562.93M
EBITDA	251.20M	229.37M	260.11M	323.85M	358.13M	221.61M
Net Income	171.14M	149.99M	171.20M	225.80M	253.37M	153.80M
Balance Sheet
Total Assets	23.71B	23.60B	23.73B	23.61B	22.78B	20.60B
Cash, Cash Equivalents and Short-Term Investments	768.68M	2.62B	3.41B	3.17B	4.47B	4.07B
Total Debt	92.38M	747.07M	805.37M	1.24B	564.09M	768.48M
Total Liabilities	21.97B	21.93B	22.32B	22.29B	21.17B	19.23B
Stockholders Equity	1.74B	1.67B	1.41B	1.32B	1.61B	1.37B
Cash Flow
Free Cash Flow	164.34M	168.77M	140.82M	304.20M	354.78M	113.13M
Operating Cash Flow	174.29M	178.45M	150.22M	332.96M	377.15M	146.42M
Investing Cash Flow	-540.20M	20.99M	562.79M	-1.25B	-2.42B	-2.37B
Financing Cash Flow	209.25M	-436.81M	-113.84M	761.79M	1.99B	2.28B

Bank Of Hawaii Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 67.94
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For BOH, the sentiment is Positive. The current price of 67.94 is above the 20-day moving average (MA) of 66.96, above the 50-day MA of 66.14, and above the 200-day MA of 67.68, indicating a bullish trend. The MACD of 0.89 indicates Negative momentum. The RSI at 57.47 is Neutral, neither overbought nor oversold. The STOCH value of 42.27 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for BOH.

Bank Of Hawaii Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
INDB	79 Outperform	$3.54B	16.03	6.29%	3.32%	3.67%	-10.83%
WSBC	76 Outperform	$3.08B	19.32	4.25%	4.62%	30.52%	-21.64%
CVBF	75 Outperform	$2.78B	13.83	9.30%	3.94%	-5.14%	-0.70%
FIBK	73 Outperform	$3.45B	14.80	6.91%	5.79%	-2.11%	-8.95%
FHB	72 Outperform	$3.19B	13.21	9.40%	4.05%	-2.56%	12.05%
BOH	71 Outperform	$2.70B	17.82	10.20%	4.12%	2.74%	7.24%
Sector *	68 Neutral	$17.85B	11.54	9.95%	3.76%	9.70%	1.08%

Bank Of Hawaii Corporate Events

Bank of Hawaii Shareholders Meeting Decisions April 2025

On April 25, 2025, Bank of Hawaii Corporation held its annual shareholders meeting where several key matters were voted on. The shareholders elected directors, approved the executive compensation, and ratified the re-appointment of Ernst & Young LLP as the independent registered public accounting firm for the fiscal year ending December 31, 2025. These decisions are pivotal for the company’s governance and financial oversight.