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↑Improving
- Most Recent Quarter Missed After Streak↑Improving
- +1 more pillar — see the Why tab for full reasoning
Bank of Hawaii Corporation (BOH) Stock Analysis
Financial Services · Banks - Regional
Hold if already holding. Not a fresh buy at $80.15, but acceptable to hold if already in. Reasons: Analyst target reached - limited upside remaining; Negative momentum.
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
Hold if already holding. Not a fresh buy at $80.15, but acceptable to hold if already in. Reasons: Analyst target reached - limited upside remaining; Negative momentum. Chart setup: No clear chart pattern; technical signals are mixed. Maintain position. Not compelling to add more. Score 6.4/10, moderate confidence.
Passes 6/8 gates (clean insider activity, no SEC red flags, news boost analyst 0.40, earnings proximity 83d clear, semi cycle peak clear, materials cycle peak clear). Fails on weak momentum and 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 2026-08-04Recent 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 Exploring Analyst Estimates for Bank of Hawaii (BOH) Q1 Earnings, Beyond Revenue and EPS - Yahoo Finance — Yahoo Finance neutral
- NEWS Tudor Investment Corp ET AL Acquires 26,634 Shares of Bank of Hawaii Corporation $BOH - MarketBeat — MarketBeat positive
Generated 2026-08-04T07:03:26Z.
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.
Show full disclosure ▾Hide full disclosure ▴
About TrendMatrix. TrendMatrix is a publisher of general securities research and market commentary. We publish on a regular schedule. All content is the same for every subscriber in a tier — we do not provide personalized investment advice and we do not take into account any individual subscriber's financial situation, investment objectives, risk tolerance, tax situation, or holdings.
Not investment advice. TrendMatrix is not a registered investment adviser. Our content is for informational and educational purposes only. Consult your own licensed investment adviser, broker, or tax professional before making any investment decision.
Conflicts and positions. The TrendMatrix editorial team frequently holds personal long-term positions in securities discussed. We disclose positions held at the time of publication on each piece. We maintain a trading-window policy: we do not initiate or close positions in the same direction as a TrendMatrix publication within 24 hours before or 72 hours after publication.
No paid promotion. TrendMatrix does not accept payment from any issuer, broker, or third party in exchange for coverage of any security. Our sole compensation is subscription revenue.
No fiduciary duty. No fiduciary, advisory, or agency relationship is created between you and TrendMatrix by reading our content or subscribing to our service.
Performance. Past performance is not indicative of future results. Performance figures reflect the published model only and do not reflect any individual subscriber's actual results.
Rating Breakdown
10 dimensions · all in-band
Price Targets
Position Sizing
Risk Alerts
Earnings
Verdict History
Frequently Asked Questions
Hold if already holding. Not a fresh buy at $80.15, but acceptable to hold if already in. Reasons: Analyst target reached - limited upside remaining; Negative momentum. Chart setup: No clear chart pattern; technical signals are mixed. Maintain position. Not compelling to add more. Target $84.58 (+5.5%), stop $76.69 (−4.5%), A.R:R -1.0:1. Score 6.4/10, moderate confidence.
Take-profit target: $84.58 (-5.0% upside). Target $84.58 (+5.5%), stop $76.69 (−4.5%), A.R:R -1.0:1. Stop-loss: $76.69.
Analyst target reached - limited upside remaining; Negative momentum.
Bank of Hawaii Corporation trades at a P/E of 14.9 (forward 11.8). TrendMatrix value score: 7.7/10. Verdict: Hold.
14 analysts cover BOH with a consensus score of 2.6/5. Average price target: $88.
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.