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Upturn AI SWOT - About
BOH 
Bank of Hawaii Corporation (BOH)
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Upturn Advisory Summary
07/11/2025: BOH (1-star) has a low Upturn Star Rating. Not recommended to BUY.
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 $72.2
1 Year Target Price $72.2
| 1 | Strong Buy |
| 0 | Buy |
| 2 | Hold |
| 2 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 30.17% | Avg. Invested days 43 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 07/11/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 2.78B USD | Price to earnings Ratio 19.37 | 1Y Target Price 72.2 |
Price to earnings Ratio 19.37 | 1Y Target Price 72.2 | ||
Volume (30-day avg) 5 | Beta 0.76 | 52 Weeks Range 56.85 - 80.33 | Updated Date 07/12/2025 |
52 Weeks Range 56.85 - 80.33 | Updated Date 07/12/2025 | ||
Dividends yield (FY) 4.15% | Basic EPS (TTM) 3.56 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 24.61% | Operating Margin (TTM) 34.74% |
Management Effectiveness
Return on Assets (TTM) 0.67% | Return on Equity (TTM) 10.04% |
Valuation
Trailing PE 19.37 | Forward PE 13.18 | Enterprise Value 2800250112 | Price to Sales(TTM) 4.35 |
Enterprise Value 2800250112 | Price to Sales(TTM) 4.35 | ||
Enterprise Value to Revenue 5.78 | Enterprise Value to EBITDA - | Shares Outstanding 39734800 | Shares Floating 38831232 |
Shares Outstanding 39734800 | Shares Floating 38831232 | ||
Percent Insiders 2.1 | Percent Institutions 80.14 |
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 leading financial institutions in Hawaii and the Pacific region, with a history marked by expansion, innovation, and community involvement.
Core Business Areas
- Retail Banking: Provides a range of banking services to individuals, including checking and savings accounts, loans, mortgages, and credit cards.
- Commercial Banking: Offers banking and financial solutions to businesses, including loans, lines of credit, cash management, and international banking services.
- Wealth Management: Provides investment management, trust, and financial planning services to high-net-worth individuals and families.
Leadership and Structure
Peter S. Ho serves as the Chairman, President, and CEO. The organizational structure consists of various departments and divisions overseen by senior management.
Top Products and Market Share
Key Offerings
- Residential Mortgages: Provides mortgage loans for home purchases and refinancing. Market share data is proprietary, but they are a leading provider in Hawaii. Competitors include American Savings Bank, Central Pacific Bank, and national lenders like Wells Fargo and Bank of America.
- Commercial Loans: Offers loans and lines of credit to businesses of all sizes. Market share data is proprietary, but they are a major lender in Hawaii. Competitors include First Hawaiian Bank and other regional and national banks.
- Credit Cards: A Visa card offering rewards. Market share in Hawaii is limited. Competitors include American Express, Chase, and Citi.
Market Dynamics
Industry Overview
The banking industry is currently characterized by increasing competition, rising interest rates, and evolving regulatory requirements. Digital banking is also becoming increasingly important.
Positioning
Bank of Hawaii Corporation is a dominant player in the Hawaiian market, benefiting from a strong brand reputation and established customer base. Their competitive advantage stems from deep local knowledge and strong relationships within the community.
Total Addressable Market (TAM)
The total addressable market includes all banking and financial services in Hawaii and the Pacific region. The size of the TAM can be estimated to be in the billions of USD, considering the GDP and financial activity in these regions. Bank of Hawaii Corporation captures a significant portion of this TAM due to its strong market position.
Upturn SWOT Analysis
Strengths
- Strong Brand Recognition
- Dominant Market Share in Hawaii
- Established Customer Base
- Experienced Management Team
- Strong Capital Position
Weaknesses
- Geographic Concentration (Hawaii & Pacific)
- Limited International Presence
- Potential for Loan Losses in Economic Downturns
- Dependence on Hawaii Economy
Opportunities
- Expansion into New Markets in the Pacific
- Increased Adoption of Digital Banking Services
- Growth in Wealth Management Business
- Strategic Acquisitions
Threats
- Increased Competition from National Banks
- Economic Slowdown in Hawaii
- Rising Interest Rates
- Cybersecurity Risks
- Changes in Regulatory Environment
Competitors and Market Share
Key Competitors
- FHB
- ASB
Competitive Landscape
Bank of Hawaii Corporation benefits from a strong local presence and brand recognition, but faces competition from other regional and national banks. They are strong locally but have a disadvantage on the mainland US.
Growth Trajectory and Initiatives
Historical Growth: Bank of Hawaii Corporation has experienced moderate growth over the past several years, driven by expansion in its loan portfolio and wealth management business.
Future Projections: Analyst estimates project continued moderate growth for Bank of Hawaii Corporation, driven by the strong Hawaiian economy and the company's strategic initiatives.
Recent Initiatives: Bank of Hawaii Corporation has focused on expanding its digital banking capabilities and investing in technology to enhance customer experience.
Summary
Bank of Hawaii Corporation is a strong regional bank with a dominant market share in Hawaii. Its stable financials and consistent dividend payouts are positives. However, its geographic concentration and exposure to the Hawaiian economy pose risks and it needs to make sure it has strong mainland US offerings.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Filings
- Analyst Reports
- Market Research Reports
Disclaimers:
The information provided is for informational purposes only and does not constitute financial advice. Market share data is based on estimates and may not be precise.
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 1876 | Website https://www.boh.com |
Full time employees 1876 | 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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