
BOH Stock Forecast & Price Target
BOH Analyst Ratings
Bulls say
Bank of Hawaii Corp has demonstrated a solid financial performance with loan balances increasing at approximately 5% annually, reaching $14.1 billion, driven primarily by growth in commercial real estate (CRE). The bank's financial strength is further supported by an improved leverage ratio of 8.3% and a total risk-based capital (TRBC) ratio of 15.0%, showcasing its robust capital management. Additionally, a stable net interest margin (NIM) at 2.19% alongside anticipated expense growth of only 2-3% in FY 2025 positions the bank favorably for continued profitability and strategic investments, particularly in its wealth management segment.
Bears say
Bank of Hawaii's stock faces a negative outlook primarily due to a significant decline in noninterest income, which fell 4.6% quarter-over-quarter, driven by lower fee income associated with a Visa Class B conversion charge, alongside modestly negative variance in net interest income and expenses. Additionally, the bank has witnessed a concerning trend in credit quality, coupled with an anticipated deterioration in the economic environment within the Pacific Islands, which poses further risks to the bank's financial stability. Finally, with approximately 57% of its earning assets now fixed-rate, a decrease from previous quarters, the bank is increasingly exposed to market interest rate fluctuations that may hinder its profitability going forward.
This aggregate rating is based on analysts' research of Bank of Hawaii and is not a guaranteed prediction by Public.com or investment advice.
BOH Analyst Forecast & Price Prediction
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