Bank of Hawaii Corporation (BOH) Stock Analysis & Winston Score

Bank of Hawaii is a regional bank that serves individuals, businesses, and government clients across Hawaii and the Pacific Islands. It offers everyday banking services like checking accounts, loans, mortgages, and wealth management. It is one of the oldest and largest banks based in Hawaii, giving it deep roots in a market that is geographically isolated from mainland competition.

The bank earns money primarily through interest on loans and investments, plus fees on services like credit cards and trust management. It operates almost entirely in Hawaii, Guam, and Palau, which makes it highly dependent on the local economy — especially tourism. That geographic concentration is both its moat and its main risk, since a slowdown in Hawaiian tourism or a natural disaster can quickly hurt loan demand and deposit growth. Rising interest rates have pressured its bond portfolio in recent years, which remains a key financial risk to watch.

Winston Score History

Politician Trades

2 trades / 12mo

0 Congressional buys and 2 sells on BOH in the last 12 months.

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Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+2.7% YoY

YoY Growth Rate

Slow revenue growth

EPS Growth

+34.7% YoY

YoY Growth Rate

EPS growth accelerating

Insider Activity

1.4%ownership

Relatively low insider ownership

Cash Position

Cash flow positive

$22.7B cash & investments

Quarterly Free Cash Flow

↓ Burn rate worsening

Company generates more cash than it spends — no dilution risk from fundraising

Growth context

Bank of Hawaii Corporation is growing revenue at 3% year-over-year. The Winston Score measures business quality today — these growth metrics show what could matter tomorrow.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

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Quality

Gross Margin

72.3%

Premium pricing power — 72.3% gross margin

Operating Margin

28.3%

Excellent — 28.3% operating margin

ROCE

3.8%

Weak — 3.8% return on capital

ROIC between 0% and 5%. They earn a few cents back per dollar invested in the business.

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Growth

Sales YoY

+3.2%

Slow sales growth (3.2% YoY)

EPS YoY

+39.3%

Earnings growing fast (39.3% YoY)

Earnings growing 25%+ a year. The compounder zone.

EPS Consistency

8/8 quarters

Every recent quarter grew earnings vs last year

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Cash Flow

Cash Conversion

109%

Turns 109% of profit into real cash

FCF Margin

17.3%

Converts sales into free cash efficiently (17.3%)

FCF margin between 10% and 20%. Every $100 in sales becomes $10 to $20 in real cash.

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Stability

Debt / Equity

0.05

Conservative — low debt load (0.05)

Interest Cover

0.84x

Dangerous — barely covers interest (0.8x)

Interest coverage below 1. Their profits don't cover the interest bill.

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Valuation

P/E Ratio (TTM)

16.4x

no trend

Fair value — P/E 16.4

P/E in the normal range. Price is roughly $15 for every $1 of yearly profit.

P/E vs Forward

+2.6

GROWING

Earnings expected to grow — slightly cheaper on forward P/E

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Dividends

Dividend Yield

3.38%

no trend

Moderate income — 3.38% yield

Standard yield zone for stable dividend payers. A meaningful piece of total return.

Dividend Growth

+0.0%

no trend

Dividend flat

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