BOH

Financial Services

Bank of Hawaii Corporation · Banks - Regional · $3B

UQS Score — Balanced Preset
60.8
Good

Bank of Hawaii Corporation scores 60.8/100 using the Balanced preset.

UQS vs Financial Services Sector
BOH
60.8
Sector avg
39.7
Quality
Good
Moat
Weak
Growth
Neutral
Risk
Good
Valuation
Attractive

What is Bank of Hawaii Corporation?

Bank of Hawaii Corporation is the holding company for Bank of Hawaii, one of the largest financial institutions serving Hawaii, Guam, and the broader Pacific Islands region. It offers a full range of consumer, commercial, and treasury banking services.

Bank of Hawaii generates revenue through three core segments: Consumer Banking, Commercial Banking, and Treasury and Other. The Consumer Banking arm serves individuals and families through deposits, loans, credit cards, and wealth management services across 54 branch locations and hundreds of ATMs. Commercial Banking focuses on middle-market companies, real estate developers, and government entities. The Treasury segment manages the bank's investment portfolio and broader balance sheet activities, rounding out a regionally focused but diversified banking model.

The holding company was established in 1980 and is headquartered in Honolulu, Hawaii.

  • Checking, savings, and time deposit accounts
  • Residential mortgage and home equity lending
  • Commercial real estate and corporate lending
  • Wealth management and trust services for high-net-worth clients
  • Auto loans, leases, and dealer financing

Is BOH a Good Stock to Buy?

UQS Score rates BOH as Good overall, reflecting a balanced profile with meaningful strengths and some areas of caution.

The Quality and Risk pillars both come in at Good, suggesting the bank maintains sound financial practices and a manageable risk profile relative to peers. Valuation is rated Attractive, meaning the stock does not appear to be priced at a premium compared to its fundamentals — a notable characteristic for income-oriented investors.

The Moat pillar registers as Weak, indicating limited competitive differentiation beyond its regional footprint. Growth is rated Neutral, reflecting a measured rather than accelerating earnings trajectory.

See the exact pillar breakdown and full financial metrics by signing up for a UQS Pro account. Sign up free →

Past performance does not guarantee future results. UQS Score is based on fundamental data and is not a buy/sell recommendation.

Does BOH pay dividends?

Yes — Bank of Hawaii Corporation pays a dividend.

Bank of Hawaii pays a regular dividend, consistent with its identity as a mature regional bank serving a stable deposit base. The dividend reflects the company's ability to return capital to shareholders while maintaining adequate reserves. For income-focused investors, BOH's dividend history is a meaningful part of the total return picture — though payout sustainability should always be evaluated alongside the bank's earnings trajectory.

When does BOH report earnings?

Bank of Hawaii reports earnings on a quarterly cadence, standard for US-listed bank holding companies.

The bank's recent results reflect the dynamics of a regionally concentrated institution navigating interest rate cycles and credit conditions in the Pacific Islands market. Revenue trends have been shaped by net interest margin movements, loan demand, and fee income from wealth management services.

For the most recent quarter's results and guidance, visit Bank of Hawaii's official investor relations page.

BOH Price History

+5.6% over 5Y

Monthly close, adjusted for stock splits and dividend reinvestment.

Return Calculator

What if I invested in Bank of Hawaii Corporation?

$
Today it would be worth
$10,794
That's a +7.9% total return, or +1.5% annualized.

Based on Bank of Hawaii Corporation's historical closing prices, adjusted for stock splits and dividend reinvestment. Past performance does not guarantee future results. This is for informational purposes only and is not financial advice.

BOH Long-term Outlook

BOH's Growth pillar at Neutral suggests the bank is not expected to deliver outsized expansion in the near term, but its Good Risk rating points to a relatively stable operating environment. The Attractive Valuation label indicates the market may not be fully pricing in the bank's earnings power, which could support a constructive fundamental outlook over time. The primary headwinds remain the Weak Moat rating — competition from larger national banks and fintech entrants could pressure margins and deposit growth in its core Hawaii and Pacific Islands markets.

Growth drivers

  • Stable deposit base in a geographically insulated regional market
  • Wealth management and trust services as a fee income diversifier
  • Commercial real estate and government lending demand in Hawaii

Key risks

  • Limited competitive moat against larger national banks and digital challengers
  • Interest rate sensitivity affecting net interest margin
  • Geographic concentration in Hawaii and Pacific Islands limits diversification

BOH vs Peers

Bank of Hawaii operates in the regional banking space alongside several mid-sized peers, each with distinct geographic and strategic profiles.

PRKBOH scores higher
Park National Corporation

Park National is an Ohio-based community bank focused on the Midwest, offering a contrast to BOH's Pacific Islands concentration.

SBCFBOH scores higher
Seacoast Banking Corporation of Florida

Seacoast operates across Florida's growth markets, giving it exposure to a faster-expanding demographic base than BOH's island-bound footprint.

SFNCBOH scores higher
Simmons First National Corporation

Simmons First spans multiple Southern and Midwestern states, providing broader geographic diversification than BOH's regionally concentrated model.

Frequently Asked Questions

What does Bank of Hawaii do?

Bank of Hawaii provides consumer and commercial banking, wealth management, and treasury services across Hawaii, Guam, and the Pacific Islands. It serves individuals, families, businesses, and government entities through branches, ATMs, and digital channels.

Does BOH pay dividends?

Yes, Bank of Hawaii pays a regular dividend. It has a long history of returning capital to shareholders, which is typical for established regional banks with stable deposit bases. Investors should review current payout details on the company's investor relations page.

When does BOH report earnings?

Bank of Hawaii reports on a quarterly cadence, consistent with US-listed bank holding companies. For exact dates of upcoming earnings releases, check the company's investor relations page or a financial calendar service.

Is BOH a good stock to buy?

UQS Score rates BOH as Good overall. Its Quality and Risk pillars are both rated Good, and Valuation is Attractive. However, the Weak Moat and Neutral Growth ratings suggest limited near-term upside catalysts. The full pillar breakdown is available to Pro members.

Is BOH overvalued?

The UQS Valuation pillar for BOH is rated Attractive, meaning the stock does not appear to be trading at a significant premium relative to its fundamentals. That said, valuation should always be considered alongside growth and risk factors.

How does BOH compare to its competitors?

Compared to peers like Park National, Seacoast Banking, and Simmons First National, Bank of Hawaii stands out for its unique Pacific Islands focus. Its geographic concentration is both a differentiator and a constraint, limiting diversification while providing a relatively insulated deposit market.

What is BOH's market cap bracket?

Bank of Hawaii is classified as a mid-cap company. This places it above community bank scale but well below the largest national banking institutions, reflecting its regional focus and asset base.

Who founded Bank of Hawaii?

Bank of Hawaii has deep roots in the Hawaiian financial system, with the holding company structure established in 1980. Founding history for the underlying bank dates back further — details are widely available through the company's official history and public records.

Is BOH a long-term quality stock?

As a long-term quality indicator, BOH's Good UQS Score reflects sound fundamentals and manageable risk. The Weak Moat rating is worth monitoring, as competitive positioning is a key factor in sustaining returns over multi-year horizons. Pro members can view the complete analysis.

What is the main competitive advantage of Bank of Hawaii?

Bank of Hawaii's primary advantage is its entrenched presence in Hawaii and the Pacific Islands — markets with high barriers to entry for outside competitors. Its wealth management capabilities and long-standing government and commercial relationships reinforce this regional positioning.

What sector does BOH belong to?

BOH belongs to the Financial Services sector, specifically operating as a regional bank holding company. Regional banks are sensitive to interest rate cycles, credit conditions, and local economic health — all factors reflected in the UQS pillar ratings.

Is BOH a growth stock or value stock?

Based on its UQS profile, BOH leans toward the value side. The Valuation pillar is Attractive and Growth is Neutral, suggesting the stock may appeal more to income and value-oriented investors than to those seeking high-growth exposure.

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Pro Analysis

BOH — Score History

5055606570Apr 2Apr 12Apr 22May 2May 12May 22May 24v5
Score changes· 30/38 most recent
DateUQSQualityMoatGrowthRiskValueChange
May 23, 202660.674.436.044.572.788.0+0.1
May 21, 202660.574.436.044.572.787.5-0.2
May 20, 202660.774.436.044.572.788.80.0
May 19, 202660.774.436.044.572.788.50.0
May 17, 202660.774.436.044.572.788.9-0.1
May 16, 202660.874.436.044.572.789.3+0.1
May 15, 202660.774.436.044.572.788.30.0
May 14, 202660.774.436.044.572.788.9+0.1
May 13, 202660.674.436.044.572.787.9+0.1
May 12, 202660.574.436.044.572.787.5+0.1

BOH — Pillar Breakdown

Quality

74.4/100 (25%)

Bank of Hawaii Corporation shows solid profitability with healthy returns on capital and reasonable margins.

Return on EquityModerate

Profitability relative to shareholders' equity.

Operating ProfitabilityStrong

Ability to convert revenue into operating profit.

Net ProfitabilityStrong

Bottom-line profit as a share of revenue.

Cash GenerationStrong

Free cash flow relative to market value.

Growth

44.5/100 (20%)

Bank of Hawaii Corporation shows steady but unspectacular growth, typical for mature companies.

Recent Revenue TrendWeak

Revenue trajectory over the last twelve months.

3Y Revenue CAGRModerate

Compound annual revenue growth rate over 3 years.

EPS GrowthStrong

Year-over-year earnings per share growth.

Forward Revenue OutlookWeak

Analyst consensus for future revenue growth.

Forward EPS GrowthStrong

Analyst consensus for future earnings growth.

Risk

72.7/100 (15%)

Bank of Hawaii Corporation maintains a reasonable risk profile with manageable debt levels.

Debt/EquityStrong

Total debt relative to shareholder equity.

Current RatioStrong

Short-term liquidity — ability to pay near-term obligations.

Interest CoverageWeak

Earnings capacity relative to interest payments.

Valuation

89.3/100 (15%)

Bank of Hawaii Corporation appears attractively valued relative to its earnings, cash flows, and sector peers.

Earnings YieldStrong

Inverse of forward P/E — higher yield means cheaper stock.

Price to Free Cash FlowStrong

How many years of FCF the market cap represents.

PEG RatioStrong

P/E relative to earnings growth — lower is more attractive.

EV/EBITDA vs SectorStrong

Enterprise value multiple relative to sector median.

Moat

36/100 (25%)

Bank of Hawaii Corporation possesses some competitive advantages but faces meaningful competition. The Moat pillar evaluates competitive advantages across five dimensions: Switching Costs, Network Effects, Cost Advantage, Intangible Assets, and Scale & Ecosystem. Sign in to customize moat ratings for BOH.

Score Composition

Quality
74.4×25%18.6
Growth
44.5×20%8.9
Risk
72.7×15%10.9
Valuation
89.3×15%13.4
Moat
36.0×25%9.0
Total
60.8Good

Financial Data

More Stock Analysis

How is the BOH UQS Score Calculated?

The UQS (Unified Quality Score) for Bank of Hawaii Corporation is calculated using a proprietary 6-pillar framework with 29 financial metrics. Each pillar evaluates a different dimension on a 0–100 scale, then combines into a single weighted score. Scoring thresholds are calibrated per sector. Momentum is an optional Pro toggle — without it, you get the 5-pillar / 25-metric core shown below.

Quality (25%) measures profitability and capital efficiency — ROIC, ROE, margins, GP/Assets, and FCF Yield.

Moat (25%) assesses Bank of Hawaii Corporation's competitive advantages across switching costs, network effects, cost advantages, intangible assets, and ecosystem scale.

Growth (20%) tracks revenue trajectory and earnings momentum, combining historical results with analyst forward estimates.

Risk (15%) is inversely scored — lower leverage and strong balance sheet health result in higher scores.

Valuation (15%) measures whether Bank of Hawaii Corporation is fairly priced using earnings yield, price-to-FCF, PEG ratio, and EV/EBITDA relative to sector peers.

Six investor-inspired presets are available, each with different pillar weights: Balanced, Buffett, Munger, Lynch, Cathie Wood, and Graham. The public score shown here uses the Balanced preset. Learn more in our FAQ.