Bank of Hawaii Corporation (BOH) Stock Price & How to Invest
Last updated July 2026
Short answer
You can invest in Bank of Hawaii (NYSE: BOH) by buying shares or fractional shares at any major broker, through a regional-bank or dividend ETF that holds it, or as one holding in a thematic basket. BOH is a long-established regional bank concentrated in Hawaii, Guam, and the Pacific islands, and the investment picture centers on a recovering net interest margin, a durable deposit franchise, and a high dividend, balanced against its geographic concentration and commercial real estate exposure.
BOH stock price
As of 2026-07-16, Bank of Hawaii Corporation (BOH) last closed at $85.79, up 26.0% over the past year. Over the past 52 weeks it has traded between $59.82 and $85.79.
Prices are daily closing prices from Yahoo Finance and may be delayed. For the live quote, check your broker or Bank of Hawaii Corporation's investor relations page. Walnut is informational, not investment advice.
What does Bank of Hawaii Corporation (BOH) do?
Bank of Hawaii Corporation (NYSE: BOH) is the holding company for Bank of Hawaii, a financial institution founded in 1897 that serves customers in Hawaii, Guam, and other Pacific islands. The bank operates through three segments: Consumer Banking (residential mortgages, home equity lines, auto loans, credit cards, deposit accounts, private banking, and trust and investment management), Commercial Banking (corporate lending, commercial real estate loans, lease financing, treasury and merchant services), and Treasury (the securities portfolio and balance-sheet management). Like most banks, BOH earns money in two main ways: net interest income, the spread between what it earns on loans and securities and what it pays on deposits, plus noninterest fee income from cards, trust and wealth services, and deposit-related fees.
The investment picture is defined by BOH's entrenched position in a concentrated market: since 2005 the bank has grown Hawaii market share by roughly 600 basis points, more than any other competitor, giving it a low-cost, sticky deposit base. After a period of margin compression during the higher-rate environment, its net interest margin has been recovering as deposit costs fall, with Q1 2026 net interest income of about $151.0 million and a margin of about 2.74%. Full-year 2025 net income was about $205.9 million with diluted EPS of about $4.63. The stock is valued as a steady, dividend-paying regional bank, and its fortunes are tied to interest rates, the Hawaii and Pacific economies (heavily influenced by tourism and real estate), and the credit cycle.
What's driving Bank of Hawaii Corporation (BOH)?
1. Recovering net interest margin.
BOH's margin was compressed when funding costs rose, but it has been expanding again as deposit costs decline. Q1 2026 net interest income rose to about $151.0 million from about $125.8 million a year earlier, and the net interest margin improved to roughly 2.74%. Management has pointed to continued repricing of the securities and loan books plus falling deposit costs (the average cost of total deposits fell 17 basis points in Q1 2026) as tailwinds to spread income.
2. Dominant, low-cost deposit franchise.
With about $21 billion of total deposits and a market-leading share in Hawaii, BOH funds itself with a large, sticky base of consumer and commercial deposits. That franchise supports a low cost of funds and stable liquidity, which matters for a bank whose earnings hinge on the deposit-to-loan spread. The bank has grown Hawaii market share by roughly 600 basis points since 2005, more than any local competitor.
3. Steady dividend and shareholder returns.
BOH pays a quarterly common dividend of about $0.70 per share, for a yield in the mid-3% range at recent prices, and reaffirmed the dividend alongside Q1 2026 results. The bank also has preferred stock outstanding. For income-oriented investors the payout is a central part of the total-return story, though it depends on continued earnings and adequate capital.
4. Improving credit and expense trends.
Credit metrics have stayed benign: the Q1 2026 provision for credit losses eased to about $1.8 million and net charge-offs fell to about $4.1 million, low levels for a bank of BOH's size. Combined with expense discipline and a lower efficiency ratio versus the prior year, stable credit supports earnings power if the local economy holds up.
What are the risks to Bank of Hawaii Corporation (BOH)?
BOH is geographically concentrated in Hawaii, Guam, and the Pacific, so a downturn in Hawaii tourism, employment, or real estate would hit loan demand, credit quality, and deposits harder than it would a diversified national bank. Its loan book skews toward residential and commercial real estate, leaving it exposed to property-value declines and rising vacancies. As a bank, it is highly rate-sensitive: the margin recovery depends on the path of interest rates and deposit repricing, and a sharp move in either direction could compress spread income. The securities portfolio carries unrealized losses common across regional banks that rose with rates, which can pressure tangible book value. Broader risks include the credit cycle, deposit competition, regulatory and capital requirements, and any renewed stress in the regional-banking sector.
How is Bank of Hawaii Corporation (BOH) valued? (approximate, July 2026)
A simple financial snapshot. These are approximations and refresh quarterly; for current figures see Bank of Hawaii Corporation's investor relations page or your broker.
- Market Cap: ~$3.4 billion
- Full-Year 2025 Net Income: ~$205.9 million
- Full-Year 2025 Diluted EPS: ~$4.63
- Q1 2026 Net Interest Income: ~$151.0 million (NIM ~2.74%)
- Total Deposits / Total Assets: ~$21.0 billion / ~$23.9 billion
- Dividend Yield / P/E: ~3.4% yield ($0.70/quarter), P/E ~16-17x
At a recent price near $86 and a P/E in the high-teens, BOH trades at a premium to many regional-bank peers, which the market appears to attribute to its dominant Hawaii franchise and stable deposit base. Earnings improved through 2025 and into 2026 as the net interest margin recovered. Bank valuations also hinge on tangible book value, capital ratios, and credit trends, so figures shift with the rate cycle.
Who competes with Bank of Hawaii Corporation (BOH)?
Hawaii and Pacific regional banks
First Hawaiian (NASDAQ: FHB), Central Pacific Financial (NYSE: CPF), and American Savings Bank compete directly with BOH for deposits and loans across the Hawaii and Pacific-island market, where BOH holds a leading share.
National banks with Hawaii presence
Large money-center and super-regional banks such as Wells Fargo (NYSE: WFC) and Bank of America (NYSE: BAC) operate in Hawaii and compete for commercial, mortgage, and wealth relationships with broader product sets and scale.
Nonbank and digital lenders
Credit unions, fintech deposit and lending apps, and online brokers compete for consumer deposits, cards, mortgages, and investment assets, pressuring pricing and fees over time.
How to invest in Bank of Hawaii Corporation (BOH)
There are three common ways to get BOH exposure. Buy shares (or fractional shares) directly at any major broker. Hold an ETF that includes it, which spreads the position across many companies. Or build it into a focused thematic basket, so BOH sits alongside other stocks that express the same thesis.
Walnut takes the basket route. Describe a thesis where BOH fits (for example “AI infrastructure” or “dividend-growth large-caps”) and the AI proposes 5 to 6 constituents with target weights. You review the plan and fund it through your own broker when you're ready.
The bottom line on Bank of Hawaii Corporation (BOH)
Bank of Hawaii is a small-cap regional bank with a dominant Hawaii deposit franchise, a recovering margin, and an above-average dividend yield, and it tends to trade with interest rates, the local real estate market, and the broader credit cycle.
More on Bank of Hawaii Corporation (BOH)
Whether BOH is worth buying today depends more on your time horizon and what you already hold than on any single call. We walk through valuation, what would have to go right, and the risks in is BOH a buy?, and where the stock could go from here in the BOH stock forecast.
For income investors, whether BOH pays a dividend and how the payout looks is covered in does BOH pay a dividend?
Build a basket around BOH with Walnut
Use Bank of Hawaii Corporation as one constituent in a thematic basket Walnut's AI helps you assemble. Describe a thesis you believe in, the AI proposes the holdings and weights, and you approve before any broker order.
FAQ
What does Bank of Hawaii do?
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It is the holding company for Bank of Hawaii, a regional bank founded in 1897 that takes deposits and makes loans across Hawaii, Guam, and the Pacific islands. It runs Consumer Banking, Commercial Banking, and Treasury segments and earns money mainly from net interest income plus fees.
How do I invest in BOH stock?
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BOH trades on the NYSE, so you can buy shares or fractional shares through any major brokerage. Some investors also gain exposure through regional-bank or dividend ETFs that hold it, or by including it as one position in a diversified basket.
Does Bank of Hawaii pay a dividend?
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Yes. BOH pays a quarterly common dividend of about $0.70 per share, which works out to a yield in the mid-3% range at recent prices. The dividend was reaffirmed alongside Q1 2026 results, though future payouts depend on earnings and capital.
How did Bank of Hawaii perform in 2025 and early 2026?
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Full-year 2025 net income was about $205.9 million with diluted EPS near $4.63. In Q1 2026, net income rose to about $57.4 million as net interest income climbed to about $151.0 million and the net interest margin improved to roughly 2.74%.
What are the main risks of owning BOH?
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Key risks include heavy geographic concentration in Hawaii and the Pacific, exposure to residential and commercial real estate, sensitivity to interest rates and deposit costs, unrealized losses in the securities portfolio, and the broader regional-banking credit cycle.
Who are Bank of Hawaii's competitors?
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In its home market it competes with First Hawaiian (FHB), Central Pacific Financial (CPF), and American Savings Bank, as well as national banks like Wells Fargo and Bank of America, plus credit unions and fintech lenders for deposits and loans.
Is BOH a large-cap or small-cap bank?
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BOH is a small-cap bank, with a market capitalization around $3.4 billion and roughly $23.9 billion in total assets. That makes it much smaller than national money-center banks but a leader within its concentrated island market.
What drives Bank of Hawaii's stock price?
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As a bank, BOH tends to move with interest rates and its net interest margin, the health of the Hawaii and Pacific economies (especially tourism and real estate), credit and loan-loss trends, deposit growth, and its dividend. Sector-wide sentiment toward regional banks also matters.
Walnut is informational, not investment advice. Financial figures on this page are approximations; always verify current numbers with Bank of Hawaii Corporation's investor relations page or your broker before making investment decisions.