Bank of Hawaii (BOH) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

Bank of Hawaii

NYSE•Financial Services•Banks - Regional

$71.19+1.42(0.02%)Pre-market

Market Cap

$2.80B

P/E

11.4x

P/S

2.6x

P/B

1.5x

Bank of Hawaii Corporation operates as the bank holding company for Bank of Hawaii that provides various financial products and services in Hawaii, the United States Mainland, Guam, and other Pacific Islands. It operates through 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, overdraft 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; and investment advisory services to corporations, government entities, and foundations. This segment also provides brokerage and insurance offerings, including equities, mutual funds, life insurance, and annuity products. The Commercial Banking segment offers commercial and industrial loans, commercial real estate loans, commercial lease financing, auto dealer financing, and deposit products; and international banking, cash management, and merchant services to middle-market and large companies, and government entities. This segment also provides commercial real estate mortgages to investors, developers, and builders. The Treasury and Other segment offers corporate asset and liability management services comprising interest rate risk management and foreign exchange services. Bank of Hawaii Corporation was founded in 1897 and is headquartered in Honolulu, Hawaii.

How this company scores

ExcellentMetricSide Score: 81/100

Strongest: Cash & Earnings Quality (25/25); weakest: Balance Sheet & Red Flags (14/25).

Profitability23/25

Growth19/25

Balance Sheet & Red Flags14/25

Cash & Earnings Quality25/25

Strengths

Rising free cash flowStrong marginsRising earningsLow leverage

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 11.4x5y range 11.2x – 20.0x

Currently near its 20-quarter median.

P/S · 2.6x5y range 2.5x – 4.1x

Currently near its 20-quarter median.

P/B · 1.5x5y range 1.5x – 2.2x

Watch items

Data-driven signals worth keeping an eye on across the last 8 quarters

Some Concerns

Earnings Quality

Watch

FCF/Net Income has dropped below 0.7x in 3 quarters — monitor for earnings quality deterioration.

Leverage Risk

Watch

Debt-to-equity has risen 49.9% recently — increasing financial risk even if the current ratio is manageable.

Price & Volume

Market Cap $2.80B

Metrics at a Glance

as of September 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $1.08B
Q. Revenue: $271.86M
TTM EBITDA: $317.95M
TTM Op. Income: $317.95M
Q. Op. Income: $83.71M
TTM Net Income: $246.42M
Q. Net Income: $64.26M
EPS: $1.5
Shares Out.: $39.32M

$1.08B in TTM revenue grew 1.8% YoY, reaching $271.86M last quarter. TTM EBITDA of $317.95M and TTM operating income of $317.95M show growth is flowing through to the bottom line. TTM net income of $246.42M means revenue is converting into profit. Over the past year, TTM revenue is up 2% — a weakening trend.

Margins

Gross, EBITDA, operating, and net margin trends

EBITDA Margin: 30.8%
Op. Margin: 30.8%
Net Margin: 23.6%

Op. margin of 30.8% is up 6.0% YoY — cost efficiency is improving. Net margin at 23.6% Across the last 8 quarters, operating margin has risen for 2 consecutive quarters — an improving trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: 11.4x
P/S Ratio: 2.6x
P/B Ratio: 1.5x

At 11.4x P/E, the stock trades below typical market levels. P/S of 2.6x and P/B of 1.5x provide additional context. Use the growth and margin sections to judge whether the multiple is justified. Over the past year, P/E is down 20% — an improving trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $23.82B
Cash: $442.03M
Long-Term Debt: $853.10M
Book Value: $1.83B
D/E Ratio: 0.5
Debt/EBITDA: 10.2

With $23.82B in assets and $853.10M in long-term debt, D/E is 0.5and book value is $1.83B — a conservative capital structure with a cushion to weather downturns. Over the past year, debt/equity is up 50% — a weakening trend.

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $98.95M
TTM Free Cash Flow: $267.67M
FCF Margin: 24.9%
FCF / Net Income: 1.1

TTM FCF of $267.67M on $98.95M in operating cash flow. The FCF / Net Income ratio of 1.1x means free cash flow covers net income — earnings are backed by cash. Across the last 8 quarters, free cash flow has risen for 3 consecutive quarters — an improving trend.