BANK OF HAWAII CORP (BOH)
US0625401098 - Common Stock
Taking everything into account, BOH scores 3 out of 10 in our fundamental rating. BOH was compared to 406 industry peers in the Banks industry. BOH scores quite bad on profitability, while its financial health is fine. Not spectacular, but in line with the averages. BOH is valued expensive and it does not seem to be growing.
1. Profitability
1.1 Basic Checks
In the past year BOH was profitable.
BOH had a positive operating cash flow in the past year.
Each year in the past 5 years BOH has been profitable.
In the past 5 years BOH always reported a positive cash flow from operatings.
1.2 Ratios
BOH has a worse Return On Assets (0.55%) than 68.32% of its industry peers.
BOH has a Return On Equity of 7.92%. This is comparable to the rest of the industry: BOH outperforms 50.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.55% | ||
| ROE | 7.92% | ||
| ROIC | N/A |
ROA(3y)0.9%
ROA(5y)0.94%
ROE(3y)14.54%
ROE(5y)14.47%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
BOH has a Profit Margin (20.80%) which is in line with its industry peers.
In the last couple of years the Profit Margin of BOH has declined.
BOH does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 20.8% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y2.38%
PM growth 5Y-6.27%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
BOH does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for BOH has been reduced compared to 1 year ago.
Compared to 5 years ago, BOH has less shares outstanding
The debt/assets ratio for BOH has been reduced compared to a year ago.
2.2 Solvency
The Debt to FCF ratio of BOH is 1.16, which is an excellent value as it means it would take BOH, only 1.16 years of fcf income to pay off all of its debts.
The Debt to FCF ratio of BOH (1.16) is better than 75.74% of its industry peers.
A Debt/Equity ratio of 0.07 indicates that BOH is not too dependend on debt financing.
BOH has a better Debt to Equity ratio (0.07) than 79.70% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.07 | ||
| Debt/FCF | 1.16 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC12.76%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
BOH shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -27.62%.
BOH shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -5.78% yearly.
Looking at the last year, BOH shows a decrease in Revenue. The Revenue has decreased by -9.10% in the last year.
BOH shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 0.55% yearly.
EPS 1Y (TTM)-27.62%
EPS 3Y0.26%
EPS 5Y-5.78%
EPS Q2Q%2.2%
Revenue 1Y (TTM)-9.1%
Revenue growth 3Y-0.35%
Revenue growth 5Y0.55%
Sales Q2Q%-4.99%
3.2 Future
The Earnings Per Share is expected to grow by 4.30% on average over the next years.
The Revenue is expected to grow by 2.53% on average over the next years.
EPS Next Y-10.32%
EPS Next 2Y-2.79%
EPS Next 3Y4.3%
EPS Next 5YN/A
Revenue Next Year-4.06%
Revenue Next 2Y0.4%
Revenue Next 3Y2.53%
Revenue Next 5YN/A
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. Valuation
4.1 Price/Earnings Ratio
BOH is valuated rather expensively with a Price/Earnings ratio of 20.55.
Based on the Price/Earnings ratio, BOH is valued a bit more expensive than 76.73% of the companies in the same industry.
BOH's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 27.73.
BOH is valuated rather expensively with a Price/Forward Earnings ratio of 18.89.
75.50% of the companies in the same industry are cheaper than BOH, based on the Price/Forward Earnings ratio.
BOH is valuated at similar levels of the S&P average when we compare the Price/Forward Earnings ratio to 22.83, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 20.55 | ||
| Fwd PE | 18.89 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of BOH indicates a slightly more expensive valuation: BOH is more expensive than 74.01% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 29.32 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-2.79%
EPS Next 3Y4.3%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 3.75%, BOH has a reasonable but not impressive dividend return.
BOH's Dividend Yield is a higher than the industry average which is at 3.02.
BOH's Dividend Yield is rather good when compared to the S&P500 average which is at 2.24.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.75% |
5.2 History
The dividend of BOH has a limited annual growth rate of 4.80%.
BOH has been paying a dividend for at least 10 years, so it has a reliable track record.
BOH has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)4.8%
Div Incr Years1
Div Non Decr Years34
5.3 Sustainability
92.17% of the earnings are spent on dividend by BOH. This is not a sustainable payout ratio.
BOH's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP92.17%
EPS Next 2Y-2.79%
EPS Next 3Y4.3%
BANK OF HAWAII CORP
NYSE:BOH (12/20/2024, 8:04:01 PM)
After market: 69.45 0 (0%)69.45
+1.24 (+1.82%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners78.81%
Inst Owner Change-1.34%
Ins Owners2.75%
Ins Owner Change-0.46%
Market Cap2.76B
Analysts48.57
Price Target70.89 (2.07%)
Short Float %10.86%
Short Ratio12.15
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.75% |
Dividend Growth(5Y)4.8%
DP92.17%
Div Incr Years1
Div Non Decr Years34
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)5.53%
Min EPS beat(2)-0.68%
Max EPS beat(2)11.75%
EPS beat(4)1
Avg EPS beat(4)-4.55%
Min EPS beat(4)-28.64%
Max EPS beat(4)11.75%
EPS beat(8)2
Avg EPS beat(8)-3.65%
EPS beat(12)6
Avg EPS beat(12)-0.26%
EPS beat(16)9
Avg EPS beat(16)3.82%
Revenue beat(2)1
Avg Revenue beat(2)-0.16%
Min Revenue beat(2)-1.18%
Max Revenue beat(2)0.85%
Revenue beat(4)1
Avg Revenue beat(4)-1.72%
Min Revenue beat(4)-3.45%
Max Revenue beat(4)0.85%
Revenue beat(8)2
Avg Revenue beat(8)-1.05%
Revenue beat(12)2
Avg Revenue beat(12)-1.52%
Revenue beat(16)2
Avg Revenue beat(16)-1.38%
PT rev (1m)20.24%
PT rev (3m)20.17%
EPS NQ rev (1m)-2.84%
EPS NQ rev (3m)-9.17%
EPS NY rev (1m)0%
EPS NY rev (3m)4.48%
Revenue NQ rev (1m)-0.76%
Revenue NQ rev (3m)0.4%
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.04%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 20.55 | ||
| Fwd PE | 18.89 | ||
| P/S | 4.35 | ||
| P/FCF | 29.32 | ||
| P/OCF | 24.97 | ||
| P/B | 1.66 | ||
| P/tB | 1.71 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.38
EY4.87%
EPS(NY)3.68
Fwd EY5.29%
FCF(TTM)2.37
FCFY3.41%
OCF(TTM)2.78
OCFY4%
SpS15.95
BVpS41.9
TBVpS40.61
PEG (NY)N/A
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.55% | ||
| ROE | 7.92% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 20.8% | ||
| GM | N/A | ||
| FCFM | 14.85% |
ROA(3y)0.9%
ROA(5y)0.94%
ROE(3y)14.54%
ROE(5y)14.47%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y2.38%
PM growth 5Y-6.27%
GM growth 3YN/A
GM growth 5YN/A
F-Score4
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.07 | ||
| Debt/FCF | 1.16 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 79.69% | ||
| Cap/Sales | 2.59% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 71.4% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score4
WACC12.76%
ROIC/WACCN/A
Cap/Depr(3y)94.94%
Cap/Depr(5y)152.25%
Cap/Sales(3y)2.96%
Cap/Sales(5y)4.34%
Profit Quality(3y)122.51%
Profit Quality(5y)104.17%
High Growth Momentum
Growth
EPS 1Y (TTM)-27.62%
EPS 3Y0.26%
EPS 5Y-5.78%
EPS Q2Q%2.2%
EPS Next Y-10.32%
EPS Next 2Y-2.79%
EPS Next 3Y4.3%
EPS Next 5YN/A
Revenue 1Y (TTM)-9.1%
Revenue growth 3Y-0.35%
Revenue growth 5Y0.55%
Sales Q2Q%-4.99%
Revenue Next Year-4.06%
Revenue Next 2Y0.4%
Revenue Next 3Y2.53%
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-65.49%
FCF growth 3Y7.58%
FCF growth 5Y-13%
OCF growth 1Y-63.85%
OCF growth 3Y0.86%
OCF growth 5Y-13.92%