Bank of Hawaii Corporation
Bank of Hawaii Corporation Fundamental Analysis
Bank of Hawaii Corporation (BOH) shows strong financial fundamentals with a PE ratio of 14.16, profit margin of 20.11%, and ROE of 12.12%. The company generates $1.1B in annual revenue with moderate year-over-year growth of 5.25%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 69.9/100 based on profitability, valuation, growth, and balance sheet metrics. The C+ grade reflects average fundamentals, with notable risks in certain areas.
Fundamental Health Score
We analyze BOH's fundamental strength across five key dimensions:
Efficiency Score
WeakBOH struggles to generate sufficient returns from assets.
Valuation Score
ExcellentBOH trades at attractive valuation levels.
Growth Score
ExcellentBOH delivers strong and consistent growth momentum.
Financial Health Score
ExcellentBOH maintains a strong and stable balance sheet.
Profitability Score
ModerateBOH maintains healthy but balanced margins.
Key Financial Metrics
Is BOH Expensive or Cheap?
P/E Ratio
BOH trades at 14.16 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, BOH's PEG of 1.94 indicates fair valuation.
Price to Book
The market values Bank of Hawaii Corporation at 1.67 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 10.67 times EBITDA. This signals the market has high growth expectations.
How Well Does BOH Make Money?
Net Profit Margin
For every $100 in sales, Bank of Hawaii Corporation keeps $20.11 as profit after all expenses.
Operating Margin
Core operations generate 28.27 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $12.12 in profit for every $100 of shareholder equity.
ROA
Bank of Hawaii Corporation generates $0.92 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
Bank of Hawaii Corporation produces operating cash flow of $220.26M, showing steady but balanced cash generation.
Free Cash Flow
Bank of Hawaii Corporation generates strong free cash flow of $212.00M, providing ample flexibility for dividends, buybacks, or growth.
FCF Per Share
Each share generates $5.34 in free cash annually.
FCF Yield
BOH converts 6.88% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
14.16
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
1.94
vs 25 benchmark
P/B Ratio
Price to book value ratio
1.67
vs 25 benchmark
P/S Ratio
Price to sales ratio
2.86
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.05
vs 25 benchmark
Current Ratio
Current assets to current liabilities
5.43
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.12
vs 25 benchmark
ROA
Return on assets percentage
0.009
vs 25 benchmark
ROCE
Return on capital employed
0.01
vs 25 benchmark
How BOH Stacks Against Its Sector Peers
| Metric | BOH Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 14.16 | 18.99 | Better (Cheaper) |
| ROE | 12.12% | 821.00% | Weak |
| Net Margin | 20.11% | 1914.00% | Weak |
| Debt/Equity | 0.05 | 1.00 | Strong (Low Leverage) |
| Current Ratio | 5.43 | 657.31 | Strong Liquidity |
| ROA | 0.92% | -25084.00% (disorted) | Weak |
BOH outperforms its industry in 3 out of 6 key metrics, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews Bank of Hawaii Corporation's 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
48.58%
Industry Style: Value, Dividend, Cyclical
High GrowthEPS CAGR
34.16%
Industry Style: Value, Dividend, Cyclical
High GrowthFCF CAGR
49.44%
Industry Style: Value, Dividend, Cyclical
High Growth