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Upturn AI SWOT - About
BOH 
Bank of Hawaii Corporation (BOH)
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Upturn Advisory Summary
08/28/2025: BOH (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
5 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $70.5
1 Year Target Price $70.5
| 1 | Strong Buy |
| 0 | Buy |
| 2 | Hold |
| 2 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 24.6% | Avg. Invested days 44 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 08/28/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 2.72B USD | Price to earnings Ratio 17.98 | 1Y Target Price 70.5 |
Price to earnings Ratio 17.98 | 1Y Target Price 70.5 | ||
Volume (30-day avg) 5 | Beta 0.78 | 52 Weeks Range 56.27 - 79.51 | Updated Date 08/28/2025 |
52 Weeks Range 56.27 - 79.51 | Updated Date 08/28/2025 | ||
Dividends yield (FY) 4.08% | Basic EPS (TTM) 3.81 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 26.05% | Operating Margin (TTM) 38.23% |
Management Effectiveness
Return on Assets (TTM) 0.73% | Return on Equity (TTM) 10.2% |
Valuation
Trailing PE 17.98 | Forward PE 13.18 | Enterprise Value 3013717760 | Price to Sales(TTM) 4.15 |
Enterprise Value 3013717760 | Price to Sales(TTM) 4.15 | ||
Enterprise Value to Revenue 5.61 | Enterprise Value to EBITDA - | Shares Outstanding 39767500 | Shares Floating 38862002 |
Shares Outstanding 39767500 | Shares Floating 38862002 | ||
Percent Insiders 2.1 | Percent Institutions 81.34 |
Upturn AI SWOT
Bank of Hawaii Corporation
Company Overview
History and Background
Bank of Hawaii Corporation was founded in 1897 as Bank of Hawaii. It has grown to become one of the largest independent financial institutions in the state, with a long history of serving the local community.
Core Business Areas
- Retail Banking: Provides a range of financial products and services to individual customers, including checking and savings accounts, loans, mortgages, and credit cards.
- Commercial Banking: Offers banking solutions to businesses of all sizes, including loans, lines of credit, treasury management services, and international banking.
- Investment Services: Provides wealth management and investment advisory services to individuals and institutions.
Leadership and Structure
Peter S. Ho serves as the Chairman, President, and CEO. The organizational structure includes various divisions overseeing retail banking, commercial banking, wealth management, and corporate functions.
Top Products and Market Share
Key Offerings
- Mortgages: Residential mortgages. Market share is significant in Hawaii, though not dominant. Competitors include Wells Fargo (WFC) and First Hawaiian Bank (FHB). Revenue is dependent on interest rate environment.
- Commercial Loans: Loans to businesses. Competitors include local and national banks such as City National Bank (FHB is a competitor locally). Revenue dependent on regional economy.
- Credit Cards: Offers a range of credit cards with rewards programs. Competitors include major credit card issuers like Chase (JPM) and American Express (AXP). Revenue comes from interest and fees.
Market Dynamics
Industry Overview
The banking industry is highly regulated and competitive, with increasing technological disruption and evolving customer expectations. Interest rates, economic conditions, and regulatory changes significantly impact bank performance.
Positioning
Bank of Hawaii Corporation is a leading bank in Hawaii, with a strong local presence and a reputation for customer service. Its competitive advantage lies in its deep understanding of the local market and its strong relationships with customers.
Total Addressable Market (TAM)
The TAM for banking in Hawaii is estimated to be in the billions of dollars annually. Bank of Hawaii is well-positioned to capture a significant portion of this market.
Upturn SWOT Analysis
Strengths
- Strong brand recognition in Hawaii
- Established customer base
- Experienced management team
- Strong capital position
Weaknesses
- Geographic concentration in Hawaii
- Dependence on the local economy
- Limited international presence
- Vulnerable to interest rate changes
Opportunities
- Expansion into new markets in the Pacific region
- Increased adoption of digital banking services
- Growth in wealth management business
- Strategic acquisitions
Threats
- Increased competition from national and online banks
- Economic downturn in Hawaii
- Rising interest rates
- Regulatory changes
Competitors and Market Share
Key Competitors
- FHB
- WFC
- JPM
Competitive Landscape
Bank of Hawaii benefits from a strong local presence but faces competition from larger national banks with greater resources and technological capabilities.
Growth Trajectory and Initiatives
Historical Growth: Bank of Hawaii has experienced steady growth over the past years, driven by its strong performance in its core markets.
Future Projections: Analyst estimates project continued growth for Bank of Hawaii, driven by expansion opportunities and increasing adoption of digital banking services.
Recent Initiatives: Recent strategic initiatives include investments in technology and expansion of wealth management services.
Summary
Bank of Hawaii is a strong regional bank with deep roots in the Hawaiian economy. Its established customer base and strong brand recognition provide a solid foundation for growth. However, its geographic concentration and dependence on the local economy present risks that need to be carefully managed. Strategic investments in technology and expansion into new markets will be crucial for sustaining long-term growth.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Bank of Hawaii Investor Relations
- SEC Filings
- Yahoo Finance
- Google Finance
Disclaimers:
This analysis is for informational purposes only and should not be considered investment advice. Market conditions and company performance can change rapidly.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Bank of Hawaii Corporation
Exchange NYSE | Headquaters Honolulu, HI, United States | ||
IPO Launch date 1984-09-07 | Chairman & CEO Mr. Peter S. Ho | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 1865 | Website https://www.boh.com |
Full time employees 1865 | Website https://www.boh.com | ||
Bank of Hawaii Corporation operates as the bank holding company for Bank of Hawaii that provides various financial products and services in Hawaii, 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 institutional 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, including interest rate risk management and foreign exchange services. Bank of Hawaii Corporation was founded in 1897 and is headquartered in Honolulu, Hawaii.
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