Lumida
/BOH
⌘K
Bank of Hawaii Corp

Bank of Hawaii Corp

BOH
$75.80USD↓-0.03%-0.02 today

MARKET CAP

3.0B

P/E (TTM)

15.3x

FWD P/E

—

DAY RANGE

$75 – $77

52W RANGE

$59
$86

AI Summary

Stalk
TrimMedium

BOH remains in a Stage 4 structural repair following a bearish pivot and failed EMA cross. Despite extreme oversold exhaustion and a bounce off the 200-day DMA, price is still below declining short-term EMAs. We will trim into any rally into the 9-day and 20-day EMAs rather than chase further weakness here.

  • ↑Q2 net income $63.8m and EPS $1.47 rose 11% QoQ.
  • ↑NIM expanded to 2.78% with management targeting 2.9% by end-2026.
  • ↓Consumer loan growth may slow amid high rates and lower closings.
Full analysis →

The case for & against

Bull & Bear analysis

Bullish

Bank of Hawaii Corporation (NYSE: BOH) operates primarily as a regional banking institution, offering a range of financial services including personal banking, commercial banking, and investment products mainly within the Hawaiian Islands and the Western Pacific. Its substantial market presence has been fortified through a strong deposit franchise and long-standing customer relationships, allowing it to maintain a competitive advantage in a concentrated banking environment. The bank's focus on community engagement and responsive financial services positions it favorably amidst an evolving economic landscape, particularly with the resilience seen in Hawaii's tourism-driven economy.

Bull says

  • ↑Q2 net income $63.8m and EPS $1.47 rose 11% QoQ.
  • ↑NIM expanded to 2.78% with management targeting 2.9% by end-2026.
  • ↑Non-interest bearing deposits grew 6.6% QoQ; 60% of clients >10 years.
  • ↑Resumed $20m share buybacks and paid $28m dividend in Q2.
  • ↑Wealth management expansion driving fee-income growth from affluent clients.
  • ↑High earnings yield and solid book-to-price indicate undervaluation; positive momentum persists.

Bear says

  • ↓Consumer loan growth may slow amid high rates and lower closings.
  • ↓Competitive deposit market pressures margins as customers chase higher yields.
  • ↓Analyst revisions are negative, signaling earnings forecasts under pressure.
  • ↓Profitability factors are weak, raising concerns over margin sustainability.
  • ↓Hawaii’s tourism volatility and geopolitical risks could impact loan performance.
  • ↓Low institutional ownership and small-size score may limit stock demand.

Investment themes with BOH

High Dividend Yield↓ -0.51%

Companies paying above-average dividends

AVGO · JPM · XOM
Regional Banks↓ -1.16%

FLG · TCBI · ZION

Earnings Call · Q2 2025 · Mgmt. Guidance

Updated 08-18-2026neutral

Transcript signals

Bull points

  • This combination has significantly contributed to our strong credit performance over the years, resulting in a loan portfolio that is 93% Hawaii, 4% Western Pacific, and just 3% mainland, where we support our clients who conduct business both in Hawaii and on the mainland.
  • 86% of our consumer portfolio consists of either residential mortgage or home equity with a weighted average LTV of just 48% and a combined weighted average FICO score of 800.
  • our portfolio size is 6.1 billion or 44% of total loans, 72% is real estate secured with a weighted average LTV of only 55%.

Bear points

  • Partially offsetting this benefit is the deposit remix, which represents deposit shifting from non-interest-bearing and low-yielding deposits to higher-cost deposits.
  • The deposit mix shift has moderated during the past several quarters, and during the second quarter, the mix shift was $59 million and had a $500,000 negative impact on our NII.
  • On the commercial book, we were, frankly, a little disappointed with performance this quarter.
Read full transcript analysis ›