Bank Of Hawaii (BOH) AI Stock Analysis

• Market Cap: $2.78B
• Dividend Yield: 4%
• Average Volume (3M): 495.37K
• Price to Earnings (P/E): 19.7
• Beta (1Y): 0.95
• Revenue Growth: 2.95%
• EPS Growth: -7.85%
• Country: US
• Employees: 1,876
• Sector: Financial
• Sector Strength: 85
• Industry: Banks - Regional
• EPS (TTM): 0.97
• Shares Outstanding: 39,734,802
• 10 Day Avg. Volume: 375,257
• 30 Day Avg. Volume: 495,366
• PEG Ratio: 6.41
• Price to Book (P/B): 1.58
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 20.31
• Enterprise Value/Market Cap: 0.67
• Enterprise Value/Revenue: 0.54
• Enterprise Value/Gross Profit: 2.05
• Enterprise Value/Ebitda: 2.69
• 1Y Price Target: $64.67
• Price Target Upside: -7.61% Downside
• Rating Consensus: Moderate Sell
• Number of Analyst Covering: 4

Bank of Hawaii maintains a robust financial performance with strong revenue growth and operational efficiency. The earnings call provides a positive outlook with improvements in net interest income and credit quality. Technical analysis suggests some bearish momentum, and while the valuation is reasonable, uncertainties in noninterest income and the tourism sector present risks. Overall, the stock remains a moderately attractive investment.

Positive Factors

Analyst Recommendation

Analyst's recommendation is Overweight with a price target of $90, which is 12% above current prices, reflecting a belief in the company's potential growth.

Financial Performance

BOH has considerable latent earning asset repricing potential, which could positively impact the Net Interest Margin forecasts, further ahead of consensus.

Market Position

BOH’s differentiated funding position, with #1 market share in HI, should allow for deposit pricing power with lower rates while additionally favoring the Company’s low-risk credit portfolio.

Negative Factors

Short Interest

Short interest of 10.7% is currently more than four times that of peers and the absolute highest amongst its peer group.

Bank Of Hawaii Business Overview & Revenue Model

Company Description

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.

How the Company Makes Money

Bank of Hawaii makes money through a combination of interest and non-interest income. Interest income is primarily derived from loans and leases, including residential mortgages, commercial loans, and consumer loans. The bank earns interest income by charging borrowers a higher interest rate than it pays to depositors. Non-interest income comes from service charges on deposit accounts, trust and investment management fees, and fees from card services. Additionally, BOH benefits from partnerships and collaborations that enhance its service offerings and customer reach, contributing to its overall revenue.

Bank Of Hawaii Financial Statement Overview

Summary

Bank of Hawaii demonstrates a solid financial performance with strong revenue growth and operational efficiency. The company shows a positive trajectory in revenue, robust gross profit margins, and stable balance sheet metrics. However, net profit margin fluctuations and a lower return on equity highlight areas for improvement.

Income Statement

Bank of Hawaii demonstrates a solid financial performance with a positive trajectory in revenue growth. The TTM revenue shows an increase compared to the previous year, indicating a recovering growth trend. The gross profit margin is robust, but the net profit margin has experienced some fluctuation, which suggests potential cost management challenges. EBIT margins are strong, reflecting operational efficiency.

Balance Sheet

The balance sheet of Bank of Hawaii shows a moderate debt-to-equity ratio, suggesting a balanced approach to leveraging. The equity ratio remains stable, which is positive for financial health. However, the lower return on equity indicates a need for improved profitability to maximize shareholder value. Overall, the company maintains a relatively stable balance sheet.

Cash Flow

Cash flows for Bank of Hawaii are healthy, with a steady operating cash flow to net income ratio, indicating efficient cash conversion from operations. The free cash flow has shown growth, enhancing the company's capacity to invest in the future. However, fluctuations in investing and financing cash flows suggest potential volatility in strategic investments and financing activities.

Breakdown
TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement		Total Revenue
908.53M	632.34M	667.13M	698.10M	668.64M	680.73M
	Gross Profit
909.77M	632.34M	663.86M	698.10M	668.64M	680.73M
	EBIT
537.29M	198.11M	227.32M	314.22M	325.55M	189.12M
	EBITDA
170.07M	0.00	260.31M	324.66M	364.70M	239.34M
	Net Income Common Stockholders
157.59M	149.99M	171.20M	225.80M	253.37M	153.80M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
935.20M	763.57M	310.83M	3.17B	4.47B	4.07B
	Total Assets
23.89B	23.60B	23.73B	23.61B	22.78B	20.60B
	Total Debt
92.27M	647.07M	654.88M	510.82M	113.60M	167.89M
	Net Debt
-842.93M	-116.50M	344.05M	190.42M	-85.30M	-113.17M
	Total Liabilities
22.18B	21.93B	22.32B	22.29B	21.17B	19.23B
	Stockholders Equity
1.70B	1.67B	1.41B	1.32B	1.61B	1.37B
Cash Flow		Free Cash Flow
133.14M	168.77M	140.82M	304.20M	354.78M	113.13M
	Operating Cash Flow
139.96M	177.03M	150.22M	332.96M	377.15M	146.42M
	Investing Cash Flow
-359.53M	22.40M	562.79M	-1.25B	-2.42B	-2.37B
	Financing Cash Flow
263.26M	-436.81M	-113.84M	761.79M	1.99B	2.28B

Bank Of Hawaii Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 70.00
• 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 70 is above the 20-day moving average (MA) of 67.76, above the 50-day MA of 66.91, and above the 200-day MA of 68.43, indicating a bullish trend. The MACD of 1.05 indicates Negative momentum. The RSI at 59.82 is Neutral, neither overbought nor oversold. The STOCH value of 69.47 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	73 Outperform	$2.75B	14.57	6.38%	3.55%	4.24%	-14.27%
BOH	71 Outperform	$2.78B	19.66	10.03%	4.00%	2.95%	-7.85%
CVBF	70 Outperform	$2.73B	13.61	9.35%	4.04%	-1.39%	-3.84%
WSBC	68 Neutral	$3.07B	20.96	3.38%	4.54%	17.57%	-35.93%
FIBK	66 Neutral	$2.90B	13.09	6.63%	6.81%	-6.80%	-15.66%
FHB	66 Neutral	$3.09B	13.39	9.11%	4.23%	-0.47%	5.97%
Sector *	64 Neutral	$12.82B	9.83	7.68%	17000.34%	12.38%	-5.56%

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.

Spark’s Take on BOH Stock

According to Spark, TipRanks’ AI Analyst, BOH is a Outperform.

Bank Of Hawaii scores a 71, reflecting a solid financial foundation with strong revenue growth and reduced leverage. The valuation is moderate with a good dividend yield, making it appealing to income investors. Technical indicators suggest caution with mixed trends. Recent earnings call data indicates positive momentum with strong fundamentals, though some market challenges persist. The corporate event of awarding RSUs indicates strategic leadership alignment, supporting long-term stability.

To see Spark’s full report on BOH stock, click here.

Bank of Hawaii Updates on Securities Trading

On April 17, 2025, Bank of Hawaii Corporation reported updates related to its securities, specifically its common stock and two series of preferred stock, which are traded on the New York Stock Exchange. This announcement underscores the bank’s ongoing commitment to maintaining its market presence and ensuring transparency with its stakeholders.

Spark’s Take on BOH Stock

According to Spark, TipRanks’ AI Analyst, BOH is a Neutral.

Bank Of Hawaii’s stock score of 67 reflects a stable yet cautious outlook. The company demonstrates strong financial stability with significant revenue growth and reduced debt levels, though profitability remains a challenge. Technical analysis indicates potential bearish trends, while valuation metrics show the stock as fairly valued. The positive sentiment from the earnings call, with improvements in net interest income and credit quality, contributes to the overall score, but is countered by external challenges such as the impact on the visitor market.

To see Spark’s full report on BOH stock, click here.

Bank of Hawaii Approves 2024 Executive Compensation Plan

On February 27, 2025, the Human Resources and Compensation Committee of Bank of Hawaii approved salary and performance-based bonus awards for their 2024 Named Executive Officers. The company adheres to a pay-for-performance philosophy, aligning executive compensation with business strategy, operating performance, and shareholder values. The 2024 EIP Awards were based on pre-established performance measures, and performance-based Restricted Stock Unit Grants were also awarded to certain executives.