Bank Of Hawaii (BOH) AI Stock Analysis

• Market Cap: $2.46B
• Dividend Yield: 4.52%
• Average Volume (3M): 422.58K
• Price to Earnings (P/E): 16.2
• Beta (1Y): 0.83
• Revenue Growth: 2.74%
• EPS Growth: 7.24%
• Country: US
• Employees: 1,876
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 1.06
• Shares Outstanding: 39,767,510
• 10 Day Avg. Volume: 545,907
• 30 Day Avg. Volume: 422,582
• PEG Ratio: 2.00
• Price to Book (P/B): 1.43
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 15.16
• Enterprise Value/Market Cap: 0.74
• Enterprise Value/Revenue: 0.78
• Enterprise Value/Gross Profit: 3.16
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: $70.50
• Price Target Upside: 13.93% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 4

• Rating: 65 Neutral
• Price Target: $67.00 ▲(8.27%Upside)

Bank of Hawaii's strong financial performance and positive earnings call insights are somewhat offset by bearish technical indicators and challenges highlighted in the earnings call, such as flat commercial loan growth and declining deposits.

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 (BOH) is a regional financial services company headquartered in Honolulu, Hawaii. Established in 1897, it operates primarily in the state of Hawaii, with additional services in select international markets. The bank provides a range of financial products and services, including personal and business banking, mortgage banking, wealth management, and investment services. BOH is known for its deep local roots and commitment to serving the Hawaiian community with a comprehensive suite of financial solutions.

How the Company Makes Money

Bank of Hawaii generates revenue through multiple streams within its financial services operations. The primary source of income is interest income derived from loans and mortgages extended to individuals and businesses. This includes personal loans, business loans, home equity lines of credit, and mortgage loans. In addition to interest income, BOH earns fees from various banking services such as transaction processing, account maintenance, and ATM usage. The bank also garners revenue through its wealth management and investment services, which offer advisory and brokerage services, earning commissions and management fees. Moreover, BOH benefits from strategic partnerships and investments that enhance its service offerings and expand its market reach, contributing to its overall earnings.

Bank Of Hawaii Financial Statement Overview

Summary

Bank of Hawaii shows strong revenue growth and operational efficiency with solid cash flow management, though it faces challenges in net profitability and return on equity.

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

Bank Of Hawaii Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 61.88
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• RSI: Positive
• STOCH: Positive

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For BOH, the sentiment is Negative. The current price of 61.88 is below the 20-day moving average (MA) of 67.16, below the 50-day MA of 67.01, and below the 200-day MA of 68.90, indicating a bearish trend. The MACD of -1.36 indicates Positive momentum. The RSI at 26.97 is Positive, neither overbought nor oversold. The STOCH value of 12.05 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for BOH.

Bank Of Hawaii Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
INDB	77 Outperform	$3.18B	14.35	6.29%	3.52%	3.68%	-10.83%
FHB	75 Outperform	$3.05B	12.54	9.40%	4.14%	-2.63%	12.05%
CVBF	73 Outperform	$2.58B	12.85	21.98%	4.28%	-5.14%	-0.94%
FIBK	73 Outperform	$3.02B	12.99	6.91%	6.57%	-8.29%	-8.95%
WSBC	67 Neutral	$3.04B	19.13	4.25%	4.88%	30.51%	-21.64%
BOH	65 Neutral	$2.46B	16.23	10.20%	4.52%	2.74%	7.24%
Sector *	61 Neutral	C$14.99B	6.37	23.28%	5.57%	33.59%	-23.72%

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.