Home 
Today's Top Picks 
Top Performers 
Watchlist 
My Robo Portfolios 
ETF Zone 
How It Works 
News - Chart
- Upturn Summary
- Highlights
- Revenue
- Valuation
Upturn AI Summary - About
Bank of Hawaii Corporation(BOH)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for BOH
11/09/2026: BOH (1-star) is currently NOT-A-BUY. Pass it for now.
Bank of Hawaii Corporation is a stable, mature regional bank that holds a strong, entrenched market position across Hawaii and the Pacific islands. Its primary business strength lies in a deep-rooted brand presence and a loyal, low-cost core deposit base. The company's investment story centers on sustainable income generation and disciplined risk management, making it well-suited for dividend and value-oriented investors. However, risks remain regarding its geographic concentration and sensitivity to local economic cycles and shifting interest rates. Prospective investors should monitor the firm's progress in digital modernization and its ability to maintain margins against increasing digital banking competition.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Weak fit | Bank of Hawaii is a mature regional bank with limited prospects for rapid, outsized capital appreciation. |
| Momentum investor | Mixed fit | Momentum appeal is generally low; attractiveness depends on broader sector upturns in regional banking interest. |
| Value investor | Strong fit | The stock often appeals to value investors seeking stable, established financial franchises at reasonable valuations. |
| Dividend investor | Strong fit | The company is widely recognized for its consistent dividend payments and stable income generation. |
| Low-risk investor | Strong fit | Its strong deposit base and conservative balance sheet management appeal to risk-averse investors. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium | Bank stocks can experience price swings tied to interest rate policies and economic outlooks. |
| Valuation risk | Low | The stock is generally traded based on book value and earnings stability rather than speculative growth multiples. |
| Competition risk (Banking) | Medium | Local competition and potential disruption from digital banking entrants could impact margins. |
| Business quality | Strong | The bank maintains a strong, entrenched market franchise in its core operating region. |
| Dividend income | Low | The dividend record is stable and reliable for income-focused investors. |
| Execution risk | Low | Management is experienced in navigating the unique economic conditions of the Hawaiian market. |
Price Behavior
Downtrend
The stock has experienced a sustained decline in price over recent periods.
Smooth
The stock has moved along a generally orderly path with only modest fluctuations.
Analysis of Past Performance
Type Stock | Historic Profit 10.95% | Avg. Invested days 41 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 11/09/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 2.73B USD | Price to earnings Ratio 12.3 | 1Y Target Price 78.67 |
Price to earnings Ratio 12.3 | 1Y Target Price 78.67 | ||
Volume (30-day avg) 448.6K shares | Beta 0.7 | 52 Weeks Range 60.22 - 85.53 | Updated Date 11/08/2026 |
52 Weeks Range 60.22 - 85.53 | Updated Date 11/08/2026 | ||
Dividends yield (FY) 4.00% | Basic EPS (TTM) 5.66 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Net Interest Income | Interest earned on loans and securities minus interest paid on deposits. | The primary way the bank makes money is by charging more on loans than it pays for customer deposits. |
| Non-Interest Income | Fees from trust services, service charges on deposit accounts, and other banking services. | This provides a steady stream of fee-based revenue that is less dependent on interest rate fluctuations. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2026-10-26 | When Before Market | Estimate 1.52 | Actual 1.49 |
Profitability
Profit Margin 32.13% | Operating Margin (TTM) 44.24% |
Management Effectiveness
Return on Assets (TTM) 1.03% | Return on Equity (TTM) 13.63% |
Valuation
Trailing PE 12.3 | Forward PE 13.18 | Enterprise Value 3.61B | Price to Sales(TTM) 3.56 |
Enterprise Value 3.61B | Price to Sales(TTM) 3.56 | ||
Enterprise Value to Revenue 4.86 | Enterprise Value to EBITDA - | Shares Outstanding 39.21M | Shares Floating 38.65M |
Shares Outstanding 39.21M | Shares Floating 38.65M | ||
Percent Insiders 1.94 | Percent Institutions 85.9 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
Note: This website is maintained by Upturn Corporation, which is an investment adviser registered with the U.S. Securities and Exchange Commission. Such registration does not imply a certain level of skill or training. Investing in securities has risks. Past performance is no guarantee of future returns. No assurance is provided as to any particular investment return, and you may lose money using our services. You are strongly advised to consult appropriate counsel before making any investments in companies you learn about through our services. You should obtain appropriate legal, tax, investment, accounting, and other advice that takes into account your investment portfolio and overall financial situation. You are solely responsible for conducting due diligence on a potential investment. We do not affect trades for you. You will select your own broker through which to transact. Investments are not FDIC insured, they are not guaranteed, and they may lose value. Please see the Privacy Policy, Terms of Use, and Disclosure for more information.
All company names, trademarks, logos, and brands are the property of their respective owners and are used for identification and informational purposes only. Use of these names, trademarks, and logos does not imply endorsement by their respective owners.