Bank of Hawaii offers an attractively valued earnings stream — PEG of 0.33, forward multiple of 11.3x — backed by 30% net margins and a financial health score of 8 out of 9, with strong technical momentum; the stock has run to within 1.1% of its technical target with an unfavorable reward-to-risk ratio, however, and the most recent quarter produced a miss after a steady prior streak.
Thesis pillars
- Strong Balance Sheet Piotroski Score→Stable
- Attractive Valuation Low Peg↓Deteriorating
- Most Recent Quarter Missed After Streak↓Deteriorating
- +1 more pillar — see the Why tab for full reasoning
Pillars as of Jul 3, 2026, based on the 10-K filed Feb 24, 2026
Bank of Hawaii Corporation (BOH) Stock Analysis
Financial Services · Banks - Regional
Sell if holding. Analyst target reached at $70.03 — A.R:R is negative (-0.1) — price has exceeded the analyst target. Reward from here is too thin for a buy — the engine flags exit. Additional concerns: Consecutive earnings misses (2).
Headquartered in Honolulu and chartered by the State of Hawaii since 1897, Bank of Hawaii Corporation provides banking services across Hawaii, Guam, and other Pacific Islands through Consumer Banking, Commercial Banking, and Treasury segments. The bank's loan portfolio included... Read more
Sell if holding. Analyst target reached at $70.03 — A.R:R is negative (-0.1) — price has exceeded the analyst target. Reward from here is too thin for a buy — the engine flags exit. Additional concerns: Consecutive earnings misses (2). Chart setup: No clear chart pattern; technical signals are mixed. Score 6.1/10, moderate confidence.
Passes 7/8 gates (positive momentum, clean insider activity, no SEC red flags, news events none recent, earnings proximity 88d clear, semi cycle peak clear, materials cycle peak clear). Fails on favorable risk/reward ratio. Suitability: aggressive.
About Bank of Hawaii Corporation
About Bank of Hawaii Corporation
Bank of Hawaii Corporation focuses on Hawaii and Pacific Island markets with 1,877 full-time equivalent employees—1,729 of them in Hawaii—as of December 31, 2025. The bank's residential mortgage portfolio stood at $4.8 billion (33.9% of total loans) and commercial mortgages at $4.2 billion (29.9%), reflecting deep exposure to Hawaii's real estate markets. The FDIC insurance expense fell to $11.2 million in 2025 from $17.9 million in 2024 and $28.3 million in 2023, with earlier years elevated by special assessments following the 2023 bank failures.
Bank of Hawaii generates revenue through Consumer Banking, Commercial Banking, and Treasury segments, with net interest income as the primary driver. Customer deposits constitute the main funding source, and the company notes that fixed-rate loans increase asset-liability duration mismatch risk in rising-rate environments. The local economy's dependence on tourism, the U.S. military, real estate, and construction means credit quality and loan demand are correlated with Hawaii's narrow industrial base. The bank competes with both traditional financial service providers and non-traditional competitors, some of which operate outside Hawaii via the internet with lower regulatory cost structures. FDIC insurance costs have declined from the special assessment period, but the bank remains subject to ongoing FRB, CFPB, and state DCCA oversight that constrains activities and dividend flows.
Show full overview
Bank of Hawaii's geographic concentration in Hawaii shapes the entire credit risk profile. The 10-K discloses that a U.S. federal government shutdown from October 1 to November 12, 2025, added strain to the Hawaiian economy—illustrating how federal budget policy flows directly into local conditions. With residential and commercial real estate securing a combined 63.8% of the total loan portfolio, and the filing separately noting that defense spending cuts in Hawaii could adversely affect the regional economy, a single economic shock could simultaneously reduce loan demand, impair collateral values, and elevate credit losses.
See also: Financial Services · Banks - Regional
From Bank of Hawaii Corporation's most recent 10-K filing, extracted June 9, 2026.
Recent developments
updated 2026-10-28Recent Developments — Bank of Hawaii Corporation
Latest news
- NEWS Bank of Hawaii (BOH) Q2 2026 Preview: EPS Est. $1.46, Reports July 27 - AlphaStreet — AlphaStreet positive
- NEWS BOH (Bank of Hawaii Corporation) posts Q4 2025 EPS beat of 8.8 percent, shares gain 2.17 percent on positive investor re — Cổng thông tin điện tử tỉnh Lào Cai positive
- NEWS Ruffer LLP Invests $3.11 Million in Bank of Hawaii Corporation $BOH - MarketBeat — MarketBeat positive
- NEWS Unlocking Q3 Potential of Bank of Hawaii (BOH): Exploring Wall Street Estimates for Key Metrics - Yahoo Finance — Yahoo Finance neutral
- NEWS Exploring Analyst Estimates for Bank of Hawaii (BOH) Q1 Earnings, Beyond Revenue and EPS - Yahoo Finance — Yahoo Finance neutral
Generated 2026-10-28T11:39:10Z.
Upcoming dated catalysts
Thesis
Key Metrics
Quality Signals
Options Flow
Concentration Risks(10-K Item 1A)
- MEDIUMGeographicHawaii and Pacific Islands10-K Item 1A: 'Our business and operations are primarily concentrated in Hawaiʻi and the Pacific Islands.'
- MEDIUMloan_portfolioresidential mortgage loans34%10-K Item 1A: 'our residential mortgage loans represented $4.8 billion, or 33.9%, of our total loan and lease portfolio'
- MEDIUMloan_portfoliocommercial mortgage loans30%10-K Item 1A: 'our commercial mortgage loans represented approximately $4.2 billion, or 29.9%, of our total loan and lease portfolio'
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results. How we score · Editorial policy
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Rating Breakdown
1 floor-breaker
Technicals below the gate floor. Component breakdown shows what dragged the score down.static
Price Targets
Position Sizing
Risk Alerts
Earnings
Verdict History
Frequently Asked Questions
Sell if holding. Analyst target reached at $70.03 — A.R:R is negative (-0.1) — price has exceeded the analyst target. Reward from here is too thin for a buy — the engine flags exit. Additional concerns: Consecutive earnings misses (2). Chart setup: No clear chart pattern; technical signals are mixed. Prior stop was $67.13. Score 6.1/10, moderate confidence.
Analyst target $69.31 reached (−1.0% from $70.03); no take-profit level is published. Prior stop was $67.13. Stop-loss: $67.13.
Analyst target reached - limited upside remaining; Consecutive earnings misses (2); Negative news sentiment (-0.83).
Bank of Hawaii Corporation trades at a P/E of 12.4 (forward 10.7). TrendMatrix value score: 7.9/10. Verdict: Sell.
15 analysts cover BOH with a consensus score of 2.5/5. Average price target: $80.
What does Bank of Hawaii Corporation do?Headquartered in Honolulu and chartered by the State of Hawaii since 1897, Bank of Hawaii Corporation provides banking...
Headquartered in Honolulu and chartered by the State of Hawaii since 1897, Bank of Hawaii Corporation provides banking services across Hawaii, Guam, and other Pacific Islands through Consumer Banking, Commercial Banking, and Treasury segments. The bank's loan portfolio included $4.8 billion in residential mortgages (33.9% of total loans) and $4.2 billion in commercial mortgages (29.9%) as of December 31, 2025, with earnings heavily tied to Hawaii's tourism-dependent economy.