Bank of Hawaii Corporation research snapshot
BOH AI stock analysis currently reads Bank of Hawaii Corporation as a conservatively managed regional bank that beat expectations in Q2 2026 and continues to expand its net interest margin. At the August 2026 data cutoff, BOH traded near $80.51 with a market capitalization of about $3.18 billion. The setup is constructive but cautious: TTM earnings are up sharply, credit is clean, the $2.80 dividend is stable, and price sits above the longer-term moving averages, yet the stock has corrected from a 52-week high near $86.31 and faces Hawaii tourism dependence, single-state concentration, and deposit competition. This page uses scenarios, technical levels, and source-backed facts. It is informational research, not investment advice.
Current price
$80.51 (Aug 3, 2026)
Market cap
$3.18 billion verified market cap
AI score
62 / 100
Rating
Stable Hawaii regional bank with rising earnings, expanding net interest margin, clean credit, and a reliable dividend but single-state concentration and a reasonable rather than cheap valuation
Trend status
Neutral to constructive with price above the 50-day, 100-day, and 200-day moving averages, below the 20-day average, and a pullback from the 52-week high
Data cutoff (updated monthly)
August 4, 2026
Informational use only. This page is not investment advice.
| Dimension | Conclusion | Confidence |
|---|---|---|
| Business quality | High. BOH earns net interest income and fees across consumer banking, commercial banking, and treasury operations. TTM revenue is $751.16 million with net income of $214.43 million and a 31.35% profit margin. | High |
| Moat | Medium. The moat comes from the leading Hawaii branch network, deposit market share, brand trust built since 1897, and Pacific Islands regulatory licenses. Customers can still switch to mainland banks, credit unions, or fintech providers. | Medium |
| Management | Medium-high. Q2 2026 diluted EPS of $1.47 beat the $1.46 consensus, NIM rose to 2.78%, tangible book value reached $38.01, and management guided NIM toward about 2.9% by year-end while holding the $0.70 quarterly dividend. | Medium-high |
| Financial trend | Positive. TTM revenue is up 14.32%, TTM net income is up about 37.6%, and net interest margin expanded for eight consecutive quarters as of the Q1 2026 report, with Q2 2026 extending the trend. | High |
| Valuation | Reasonable but not cheap. BOH trades near 14.9x TTM earnings, 12.86x forward earnings, 2.06x book value, 2.11x tangible book value, and a 3.48% dividend yield, with a PEG near 0.85 against consensus growth. | High |
| Technical trend | Neutral to constructive. Price is above the 50-day, 100-day, and 200-day moving averages but below the 20-day average near $82.45, with RSI near 45 after a pullback from the 52-week high near $86.31. | Medium |
| Risk level | Medium-high. Single-state Hawaii concentration, tourism cycle dependence, low population growth, CRE exposure, deposit competition, NIM compression risk, and natural disaster exposure limit downside protection. | Medium-high |
| AI confidence | High for descriptive data because the facts are public and cross-checked across multiple providers. Lower for returns because Hawaii economic surprises, rates, credit, and deposit competition can move the stock. | High data confidence |
| Investment certainty | Medium. BOH is a stable, profitable, dividend-paying franchise, but a buy decision depends on whether the current valuation leaves enough margin of safety given single-state concentration and limited growth. | Medium |
BOH AI stock forecast
The BOH AI stock forecast is scenario-based because Hawaii economic conditions, deposit competition, and the rate path create uncertainty around earnings. Using the $80.51 reference price, $5.38 TTM EPS, and consensus FY2026 EPS near $6.00, the mechanical range points to roughly $58 in a bear case, $82 in a base case, and $100 in a bullish case before dividends.
$92 to $108 before dividends
More likely if BOH compounds EPS toward the $6.00 to $6.78 consensus path, NIM reaches the 2.9% year-end guidance, credit stays clean, Hawaii tourism remains firm, and the market holds a 15x to 16x earnings multiple for the stable franchise.
$75 to $90 before dividends
More likely if EPS lands near $5.80 to $6.00, NIM stabilizes near 2.8%, loan growth stays modest in the Hawaii market, deposit competition stays manageable, and the market values BOH near 14x earnings.
$50 to $65 before dividends
More likely if Hawaii tourism weakens, CRE credit deteriorates, deposit costs compress NIM, the market applies about 12x earnings to a slower franchise, or a natural disaster disrupts the island economy.
BOH AI technical analysis
BOH AI technical analysis is neutral to constructive as of the August 2026 data cutoff. Price sits above the 50-day, 100-day, and 200-day moving averages but below the 20-day average, and the stock has corrected from a 52-week high near $86.31 to the low-$80 range. RSI near 45 is neutral and leaves room in either direction.
| Level | Value | Why it matters |
|---|---|---|
| Current price | $80.51 | August 3, 2026 intraday quote used for valuation math at the data cutoff. The last confirmed close was $79.90 on July 31, 2026, and the stock is about 7% below its 52-week high near $86.31. |
| Immediate support | $78.40 to $79.60 | This brackets the 100-day moving average near $78.42 and the August 3 intraday low near $79.63. A hold here keeps the longer uptrend intact. |
| Deeper support | $74.30 to $75.00 | The 200-day moving average near $74.31 is the major trend support. A sustained break below this level would point to a deeper reassessment of the Hawaii banking outlook. |
| Near resistance | $82.40 to $83.00 | The 20-day moving average near $82.45 is the first overhead level. Reclaiming this zone would signal that the pullback from the 52-week high is over. |
| Upper resistance | $86.30 to $92.00 | The 52-week high near $86.31, followed by the $85 to $92 analyst target range, is the next major ceiling and requires sustained earnings and stable Hawaii conditions. |
| Moving averages | 50-day near $80.30, 100-day near $78.42, 200-day near $74.31 | Price is above all three longer averages, confirming a longer-term uptrend, while the 20-day average near $82.45 caps short-term upside after the pullback. |
| Momentum | RSI near 45 | Neutral. Momentum has cooled from overbought after the correction from the 52-week high, with no clear overbought or oversold signal. |
| Volume | Average daily volume near 480,000 shares over 20 days | Liquidity is modest for a regional bank. Price moves around earnings and Hawaii economic news can be amplified. |
| Volatility | Low; beta of 0.70 | Q2 2026 earnings on July 27 beat consensus, and the next earnings date is October 26, 2026, making NIM, deposits, credit quality, and the Hawaii tourism outlook the main near-term catalysts. |
| Invalidation | Close below $78.40, then below $74.31 | A sustained break below the 100-day moving average would weaken the setup. A break below the 200-day moving average would point to a deeper reassessment. |
BOH AI trading strategy
The BOH AI trading strategy below is a rules-based research framework, not personal advice. It connects chart levels with net interest margin, loan growth, credit quality, deposits, capital ratios, dividend sustainability, and Hawaii tourism data.
Watch for BOH to reclaim the 20-day average near $82.45 and then break above the 52-week high near $86.31, with NIM expanding toward the 2.9% guidance, stable credit, and consistent deposits.
A failed breakout followed by a close below $78.40 should reduce trend confidence, especially if management flags deposit cost pressure, weaker loan demand, or Hawaii economic headwinds.
If BOH pulls back toward $74.30 to $75.00 (near the 200-day moving average) while credit, deposits, and the dividend stay stable, compare the lower price with book value, normalized EPS, dividend yield, and the historical valuation range for Hawaii banks.
Do not treat a lower price as automatically attractive if Hawaii tourism weakens, CRE credit deteriorates, NIM compresses meaningfully, or management signals dividend or capital concerns.
Track net interest margin, net interest income, loan growth by category, deposit mix and cost, net charge-offs, allowance coverage, CET1 ratio, tangible book value, the dividend payout ratio near 52%, and Hawaii visitor data.
Position sizing should reflect that BOH is a single-state regional bank with limited reinvestment opportunities, not a diversified multi-region lender with compounding growth optionality.
Investment research summary
Customers pay Bank of Hawaii for deposits, lending, payments, and wealth and trust services, concentrated in the Hawaii and Pacific Islands economy. The bank earns net interest income plus fees, with TTM revenue of $751.16 million and a 31.35% profit margin.
The moat comes from the leading Hawaii branch network, deposit market share, brand trust built since 1897, and Pacific Islands regulatory licenses. It is durable in its home market but not impenetrable because customers can move to mainland banks, credit unions, or fintech providers.
The thesis fails if Hawaii tourism enters a prolonged downturn, population growth stalls, CRE losses rise, a natural disaster disrupts the islands, mainland competition erodes deposit share, or the bank reaches for credit risk to replace rate-driven margin gains.
CEO Jim Polk has run a conservative, credit-disciplined franchise. Q2 2026 diluted EPS of $1.47 beat consensus, net interest margin reached 2.78%, and the dividend stayed at $0.70 per quarter. The question is whether the bank can keep growing without relying on rate-driven margin expansion.
Regional banks still matter for local credit, deposits, and wealth services, but face deposit competition, fintech pressure, digital banking expectations, and rate cycles. BOH expanded net interest margin for eight straight quarters as of Q1 2026, a rate-driven tailwind that can fade.
At $80.51, BOH trades near 14.9x TTM earnings, 2.06x book value, and a 3.48% dividend yield, with analyst targets averaging $86.83. Margin of safety is modest at the current price, and the valuation is reasonable only if earnings growth toward consensus holds.
Source-backed data
Every metric below includes a source and last verification date.
| Metric | Value | Source | Last verified |
|---|---|---|---|
| Current price | $80.51 on August 3, 2026; last close $79.90 on July 31, 2026 | StockAnalysis BOH overview and Yahoo Finance | August 4, 2026 |
| Verified market capitalization | About $3.18 billion using $80.51 price and 39.45 million shares | StockAnalysis BOH statistics and Yahoo Finance | August 4, 2026 |
| Shares outstanding | 39.45 million shares | StockAnalysis BOH statistics | August 4, 2026 |
| FY2025 total revenue | $705.13 million, up 12.29% from FY2024 revenue of $627.96 million | StockAnalysis BOH financials | August 4, 2026 |
| TTM net income to common | $214.43 million, up about 37.6% year over year | StockAnalysis BOH statistics and Yahoo Finance | August 4, 2026 |
| TTM diluted EPS | $5.38, with FY2025 diluted EPS at $4.63 | StockAnalysis BOH statistics | August 4, 2026 |
| Q2 2026 results | Diluted EPS of $1.47 versus $1.46 consensus; net interest margin of 2.78%; tangible book value of $38.01 | StockAnalysis BOH earnings summary and Business Wire release | August 4, 2026 |
| Valuation ratios | 14.9x trailing PE, 12.86x forward PE, 2.06x PB, 2.11x P/TBV, 0.85 PEG, and 3.48% dividend yield | StockAnalysis BOH statistics | August 4, 2026 |
| Technical snapshot | 50-day MA near $80.30, 100-day MA near $78.42, 200-day MA near $74.31, and RSI near 45 | Barchart technical analysis and StockAnalysis statistics | August 4, 2026 |
| Analyst consensus | Hold across 7 analysts, with an average price target of $86.83 and a target range of $85 to $92 | StockAnalysis BOH forecast | August 4, 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, deposit competition, credit losses, natural disaster events, bank regulation, valuation multiples, or market conditions change.
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