Bank of Hawaii Corporation (BOH) Fair Value & Analysis
Financial Services · US · Market cap $3.4B
Bank of Hawaii Corporation
BOH · US
Fair value as of: Jul 17, 2026
From 6 valuation models · updated 24 days ago
Share price −2.0% over the past month.
A solid business, but screening 15% overvalued on our models.
What matters now
- Solid but not exceptional quality (58/100) and above fair value, neither a clear bargain nor a standout compounder.
- For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 17, 2026.
How to read this chart
60‑month range $28.74 – $85.85 · fair‑value band $50.67 – $84.45 · the $79.28 price screens above the $67.56 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Jul 17, 2026.
Analysis
Bank of Hawaii Corporation (BOH) currently trades at $79.28, while our model-based Fair Value estimate is $67.56, implying the stock looks roughly 14.8% overvalued today. The Quality Score stands at 58/100 (solid quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium, the entry price still matters most (evidence: high).
Over the trailing twelve months, Bank of Hawaii Corporation generated revenue of $729M at a net margin of 30.1%. Revenue grew 14.4% year over year. It earns a return on equity of 12.3%. The balance sheet holds a net cash position of $854M. Fundamentals as of Jul 17, 2026
Our scenario range runs from $50.67 (bear case) to $84.45 (bull case); at $79.28, the current price sits within that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 3% below its 52-week high and 37% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at 42% fair-value upside, at -15%, BOH screens richer than that median.
Fair Value models
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.
All 6 models by family
Widest divergence: Multiples ($65.41) versus Asset-Based ($31.30). Highest evidence: Residual Income (76).
Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Jul 17, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 51 · Market factors (momentum, volatility) 68
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
About the company
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.
Full company description
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.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
Bank of Hawaii Corporation reported revenue of $1.1B in FY2025 versus $689M in FY2021, a compound +11.4%/yr. Reported net income was $206M in FY2025, compounding −5.1%/yr from FY2021.
BOH screens 15% overvalued. Compare with PT Bank Central Asia Tbk →
Recent news
External third-party headlines (Yahoo Finance, Reuters and others), not an editorial selection.
- The 5 Most Interesting Analyst Questions From Bank of Hawaii’s Q2 Earnings Call
- BOH Q2 Deep Dive: Deposit Competition and Margin Expansion Shape Outlook
- BOH Q2 Earnings Beat on Strong NII, Stock Dips on Lower Fee Income
- Bank of Hawaii (BOH) Holds Its Dividend As Fair Value Still Suggests More Upside
Peer Group
Banks - Regional · 1083 stocks
How this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.
Valuation Multiples vs Banks - Regional median · lower = cheaper
Snowflake
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.
Similar stocks
10 more Banks - Regional stocks, each showing price versus our Fair Value estimate (as of Jul 17, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| PT Bank Central Asia Tbk BBCA | 6,175 IDR | 6,087 IDR | -1% |
| KB Financial Group 105560 | 184,400 KRW | 213,797 KRW | +16% |
| PT Bank Rakyat Indonesia (Persero) Tbk BBRI | 2,970 IDR | 4,891 IDR | +65% |
| PT Bank Mandiri (Persero) Tbk BMRI | 4,310 IDR | 7,841 IDR | +82% |
| Banco Bradesco S.A BBD | 5,120 ARS | 10,240 ARS | +100% |
| Shinhan Financial Group 055550 | 107,900 KRW | 137,259 KRW | +27% |
| Hana Financial Group 086790 | 136,800 KRW | 193,969 KRW | +42% |
| Lloyds Banking Group LYG | 4,138 ARS | 8,275 ARS | +100% |
| Banco de Chile, CHILE | 193.10 CLP | 152.55 CLP | -21% |
| Joint Stock Commercial Bank for Foreign Trade of Vietnam, VCB | 59,400 VND | 84,201 VND | +42% |
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How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.
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