Bank of Hawaii Corporation research snapshot
BOH AI stock analysis currently reads Bank of Hawaii Corporation as a stable, conservatively managed regional bank with a dominant position in the Hawaii and Pacific Islands market. At the July 12, 2026 data cutoff, BOH traded near $83.06 with an independently verified market capitalization of about $3.29 billion. The setup is balanced: consistent profitability, high profit margin, reliable dividend, low beta, and strong capital ratios support the bull case, while Hawaii tourism dependence, geographic concentration, limited growth opportunities, and CRE exposure limit upside certainty. This page uses scenarios, technical levels, and source-backed facts. It is informational research, not investment advice.
Current price
$83.06
Market cap
$3.29 billion verified market cap
AI score
59 / 100
Rating
Stable Hawaii-focused regional bank with high profit margin, consistent dividend, and low beta but Hawaii economy concentration and limited growth drivers
Trend status
Constructive with price above the 50-day, 100-day, and 200-day moving averages and RSI near neutral
Data cutoff (updated weekly)
July 12, 2026
Informational use only. This page is not investment advice.
| Dimension | Conclusion | Confidence |
|---|---|---|
| Business quality | BOH earns spread income and fee income from commercial banking, consumer banking, residential mortgage lending, wealth management, trust services, and credit card operations primarily within Hawaii and the Pacific Islands. | Medium-high |
| Moat | The moat comes from the largest local branch network in Hawaii, long-standing commercial and consumer relationships, trust brand recognition, Pacific Islands regulatory licenses, and deposit market share. Customers can still use mainland banks, credit unions, and fintech. | Medium |
| Management | Management has emphasized conservative underwriting, capital strength, and consistent dividend growth. The culture is risk-averse relative to mainland peers. The key test is whether the bank can grow earnings in a low-growth Hawaii economy without reaching for credit risk. | Medium-high |
| Financial trend | FY2025 total revenue was about $716.6 million and TTM net income to common was about $198.3 million. Net income grew 37% year-over-year in FY2025 after a down FY2024, demonstrating earnings recovery. Profit margin is high at about 30%. | High |
| Valuation | At $83.06, BOH screened near 16.75x TTM PE, 1.78x book value, 18.46x free cash flow, and a 3.37% dividend yield using the audited input set, which is a premium to many mainland regional banks. | High |
| Technical trend | Barchart and Yahoo Finance showed price at $83.06, above the 50-day MA near $78.94, 100-day MA near $77.59, and 200-day MA near $72.90, with RSI near 58.91 and a 52-week range of $59.36 to $83.81. | Medium |
| Risk level | Key risks are Hawaii tourism cycle and economic concentration, limited population and business growth in the service region, CRE exposure, natural disaster and climate risk, interest rate sensitivity, and mainland bank competition for deposits and loans. | Medium-high |
| AI confidence | Descriptive confidence is high because the facts are public and cross-checked. Return confidence is lower because Hawaii economic surprises, rate changes, loan loss normalization, and tourism cycles can move the stock. | High data confidence |
| Investment certainty | BOH is a conservatively run bank with a reliable dividend and stable franchise, but a buy decision depends on whether the premium valuation for stability is justified relative to higher-growth bank alternatives and whether the price leaves enough margin of safety. | Medium |
BOH AI stock forecast
The BOH AI stock forecast is scenario-based because the Hawaii economy and interest rate outlook introduce uncertainty around earnings growth. Using the $83.06 reference price, $4.96 TTM EPS, and the audited three-year model, the mechanical range points to about $46.70 in a bear case, $78.10 in a base case, and $112.50 in a bullish case before dividends.
$100 to $120 before dividends
More likely if BOH compounds EPS near 8% annually, Hawaii tourism and economy remain strong, net interest income expands with controlled deposit costs, credit losses stay low, and the market applies about 18x earnings for stability and dividend quality.
$72 to $85 before dividends
More likely if EPS compounds near 4%, loan growth is modest in the Hawaii market, NIM holds relatively steady, credit stays manageable, and the market values BOH closer to 14x earnings.
$40 to $55 before dividends
More likely if Hawaii tourism weakens, unemployment rises, credit losses increase, CRE exposure causes charge-offs, NIM compresses, or the market applies about 10x earnings to a slowing Hawaii bank franchise.
BOH AI technical analysis
BOH AI technical analysis is constructive as of the July 12, 2026 data cutoff, with the stock trading near the upper end of its 52-week range. Price is above the 50-day, 100-day, and 200-day moving averages. RSI near 58.91 is neutral with room to move higher before reaching overbought territory.
| Level | Value | Why it matters |
|---|---|---|
| Current price | $83.06 | July 6, 2026 closing quote used for market cap and valuation math at the data cutoff. |
| Immediate support | $78.50 to $79.50 | This range brackets the 50-day MA near $78.94 and the 100-day MA near $77.59. A pullback to this area would test the near-term trend. |
| Deeper support | $72.00 to $74.00 | This area lines up with the 200-day MA near $72.90 and represents the major trend support level. |
| Near resistance | $83.80 to $85.00 | The 52-week high near $83.81 is the immediate resistance. A breakout above this level would need confirmation from Q2 earnings on July 27, 2026. |
| Upper resistance | $95 to $100 | This range aligns with the upper end of analyst targets and likely requires sustained earnings growth and stable Hawaii economic conditions. |
| Moving averages | 50-day near $78.94, 100-day near $77.59, 200-day near $72.90 | Price above all three averages confirms a constructive trend. The wide gap between price and the 200-day MA also suggests the stock is extended relative to its longer-term average. |
| Momentum | RSI near 58.91 | Momentum is neutral-positive. RSI has room to run before reaching the overbought zone near 70. |
| Volume | Moderate liquidity with typical daily volume | Bank of Hawaii has lower average volume than mainland mega-cap banks. Price moves around earnings can be more pronounced with lower liquidity. |
| Volatility | Low; beta of 0.69 | The next confirmed earnings date is July 27, 2026 before market open, making Q2 NII, deposits, credit quality, and Hawaii economic outlook the main near-term catalysts. |
| Invalidation | Close below $78.50, then below $72.90 | A sustained break below the 50-day MA zone would reduce trend confidence. A break below the 200-day MA would point to a deeper reassessment of the Hawaii banking outlook. |
BOH AI trading strategy
The BOH AI trading strategy below is a rules-based research framework, not personal advice. It connects chart levels with NIM, loan growth, credit quality, deposit trends, capital ratios, Hawaii tourism data, and dividend sustainability.
Watch for BOH to hold above the $78.50 to $79.50 support zone and break above the 52-week high near $83.81 with earnings confirming stable NIM, controlled credit costs, consistent deposits, and constructive Hawaii economic conditions.
A failed breakout followed by a close below $78.50 should reduce trend confidence, especially if management signals loan growth pressure, higher credit costs, or Hawaii economic headwinds.
If BOH pulls back toward $72.00 to $74.00 (near the 200-day MA) while credit, deposits, and dividends remain stable, compare the lower price with book value, normalized EPS, dividend yield, and historical valuation ranges for Hawaii banks.
Do not treat a lower price as automatically attractive if Hawaii tourism weakens, CRE credit deteriorates, NIM contracts meaningfully, or management signals a dividend concern.
Track net interest income, NIM, loan growth by category, deposit trends, net charge-offs, ACL coverage, CET1 ratio, tangible book value per share, dividend payout ratio, and Hawaii visitor arrival and spending data.
Position sizing should reflect that BOH is a single-state regional bank with limited growth reinvestment opportunities, not a diversified multi-region financial institution with compounding growth optionality.
Investment research summary
Customers pay Bank of Hawaii for deposit safekeeping, lending, payments, wealth management, trust services, and financial advice. The bank earns spread income on funded assets plus fee income, primarily within the Hawaii and Pacific Islands economy.
The moat comes from the largest local branch network in Hawaii, long-standing commercial and consumer relationships, brand trust, Pacific Islands regulatory presence, and deposit market share. It is durable but not impenetrable because customers can transact with mainland banks, credit unions, and fintech providers.
The thesis fails if Hawaii tourism enters a prolonged downturn, population growth stalls or reverses, CRE losses rise meaningfully, natural disasters disrupt the economy, mainland competition erodes deposit share, or the bank reaches for credit risk to drive loan growth.
Management has maintained a conservative, risk-averse culture focused on capital strength, credit discipline, and consistent dividends. The key-person question is whether the team can find attractive loan growth in a slow-growth service economy without compromising underwriting standards.
Regional banks remain important for local commercial credit, deposits, and wealth management. The offset is pressure from larger national banks, fintech competition, digital banking expectations, rate cycles, and the structural challenge of growing in a low-population-growth island economy.
At $83.06, BOH trades at a premium to many mainland regional banks, reflecting its stability, high profit margin, and consistent dividend. Margin of safety is limited at the current price unless the bank can demonstrate above-trend earnings growth. A pullback toward $72 to $78 would improve the risk-reward.
Source-backed data
Every metric below includes a source and last verification date.
| Metric | Value | Source | Last verified |
|---|---|---|---|
| Current price | $83.06 close on July 6, 2026 | Yahoo Finance BOH summary | July 12, 2026 |
| Verified market capitalization | $3.29 billion using $83.06 price and 39.62 million common shares | Yahoo Finance and financial_rigor.py market cap check | July 12, 2026 |
| Shares outstanding | 39.62 million common shares | Barchart BOH statistics | July 12, 2026 |
| FY2025 total revenue | $716.6 million, cross-checked against TradingView | Barchart financial summary and TradingView | July 12, 2026 |
| TTM net income to common | $198.3 million, cross-checked against FY2025 $205.9 million | Yahoo Finance financials and Barchart income statement | July 12, 2026 |
| TTM diluted EPS | $4.96, with FY2025 diluted EPS at $5.16 | Yahoo Finance statistics and Barchart income statement | July 12, 2026 |
| Cash and total assets | Cash of $529.5 million and total assets of $24.18 billion as of most recent quarter | Yahoo Finance BOH statistics | July 12, 2026 |
| Valuation ratios | 16.75x TTM PE, 1.78x PB, 18.46x P/FCF, and 3.37% dividend yield by local financial_rigor check | financial_rigor.py valuation verification | July 12, 2026 |
| Technical snapshot | 50-day MA near $78.94, 100-day MA near $77.59, 200-day MA near $72.90, and RSI near 58.91 | Barchart technical analysis | July 12, 2026 |
| Profit margin and ROE | 30.09% profit margin and 12.33% ROE (TTM) | Yahoo Finance BOH statistics | July 12, 2026 |
This BOH AI stock analysis is an informational research tool only and is not investment advice, financial advice, or a recommendation to buy or sell any security. Forecast scenarios are based on public data available at the cutoff date and can be wrong if Hawaii economic conditions, tourism trends, interest rates, credit losses, natural disaster events, bank regulation, valuation multiples, or market conditions change.
Design trading strategies visually with 10+ indicators. Set entry/exit conditions and risk management, then generate Pine Script code with no coding required.
Filter and discover stocks based on market cap, dividend yield, P/E ratio, sector, and more. Screen thousands of stocks with real-time data.
Smart AI-driven stock selection with fundamental screening, analyst estimates, and key metrics. Filter by P/E, market cap, dividends, and more.
