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Bank of Hawaii Corporation

BOH
65
Banks - Regional · Financial Services
Price
$77.50
-0.09 (-0.12%)
Market Cap
$3.06B
Exchange
New York Stock Exchange
Winston Score
65
Winston is curious
A decent business — some strong pillars, some weaker.
Data as of Aug 23, 2026 · filings through Jun 30, 2026
How the score breaks down
Bank Quality
Good
Growth
Strong
Capital Strength
Exceptional
Asset Quality
Exceptional
Valuation
Strong
Dividends
Mixed
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Winston Score History

The full picture

Bank of Hawaii is a regional bank that serves individuals, businesses, and government clients across Hawaii and the Pacific Islands. It offers everyday banking services like checking accounts, loans, mortgages, and wealth management. It is one of the oldest and largest banks based in Hawaii, giving it deep roots in a market that is geographically isolated from mainland competition.

The bank earns money primarily through interest on loans and investments, plus fees on services like credit cards and trust management. It operates almost entirely in Hawaii, Guam, and Palau, which makes it highly dependent on the local economy — especially tourism. That geographic concentration is both its moat and its main risk, since a slowdown in Hawaiian tourism or a natural disaster can quickly hurt loan demand and deposit growth. Rising interest rates have pressured its bond portfolio in recent years, which remains a key financial risk to watch.

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Growth Profile

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+3.0% YoY

YoY Growth Rate

Slow revenue growth

EPS Growth

+38.3% YoY

YoY Growth Rate

EPS growth accelerating

R&D Spend

$0/ year

0.0% of revenue

Below sector average (7%)

Research and development spending

Insider Activity

1.4%ownership

→ Flat

Insider ownership roughly steady over the past year

Cash Position

Cash flow positive

$453M cash & investments

Quarterly Free Cash Flow

↓ Burn rate worsening

Company generates more cash than it spends — no dilution risk from fundraising

Growth context

Bank of Hawaii Corporation is growing revenue at 3% year-over-year. The Winston Score measures business quality today — these growth metrics show what could matter tomorrow.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Share count broadly stable

−0.1% over 4y

The share count has stayed roughly flat over this period — little dilution or buyback activity.

Diluted shares outstanding: 40.1M (2021) → 40.0M (2025)

Score breakdown

Every number that matters to educated investors.

Each metric is explained in plain language so you know exactly what you're looking at. Start your free trial now.

Bank Quality

Return on owners' money
Return on Equity
13.3%
no trend
Strong — 13.3% return on equity

Standard mid-range return on equity. Acceptable.

Profit on lending
Net Interest Margin
2.71%
no trend
Modest — 2.71% net interest margin
Cost of running the bank
Efficiency Ratio
59.9%
no trend
Efficient — 59.9% efficiency ratio

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Growth

Sales growth
Sales YoY
+3.2%
Slow sales growth (+3.2% YoY)
Profit growth
EPS YoY
+40.5%
Earnings growing fast (+40.5% YoY)

Earnings growing 25%+ a year. The compounder zone.

How steady the profit is
EPS Consistency
7/8 quarters
Every recent quarter grew earnings vs last year

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Capital Strength

Safety cushion
Capital Ratio
13.9%
no trend
Fortress balance sheet — 13.9% CET1

A strong capital cushion. This bank is well padded against a bad year.

Asset Quality

Loans not being repaid
Non-Performing Loans
0.18%
no trend
Clean loan book — 0.18% non-performing

Under half a percent of loans are going bad. A very clean loan book.

Loans written off
Net Charge-Offs
0.03%
no trend
Minimal losses — 0.03% net charge-offs

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Valuation

Price vs profit
P/E Ratio (TTM)
14.3x
Attractive valuation — P/E 14.3

P/E in the normal range. Price is roughly $15 for every $1 of yearly profit.

Cheaper or dearer next year
P/E vs Forward
+1.1
GROWING
Earnings expected to grow — slightly cheaper on forward P/E

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Dividends

Dividend
Dividend Yield
3.53%
Moderate income — 3.53% yield

Standard yield zone for stable dividend payers. A meaningful piece of total return.

Dividend record
Dividend Growth
+0.0%
Dividend flat

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