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The Screen · Financials · Banks - Regional
Bank of Hawaii Corporation
BOH · the NYSE · USD · Market cap $2.8B · 1,866 employees
Bank of Hawaii Corporation operates as the bank holding company for Bank of Hawaii that provides various financial products and services in Hawaii, the United States Mainland, Guam, and other Pacific Islands.
FAIL · Does not pass the screen
70.34 USD
Screen close, 2026-09-23 · not a live quote Last reviewed 13 days ago
Screened 2026-09-23 · the tape above runs as of 11:01 UTC · two dates, stated on purpose · verdict and workings shown in full · never trimmed
PRICE · FAIR-VALUE RANGE1M3M6MYTD1Y3Y5Y
What this means: price 70.34 against the desk's fair-value range, base estimate 92.00, over the last year.
Positioning no disclosures inside 60 days, left as found
Options no verdict drawn today, left as found
Ethical does not pass the values gate
Price70.34 USD
Fair value92.00
Ethical score30.0/100
Our investment reviews on this name
2026-08-23Read Markdown79.08-11.1% to today ✓
2026-07-02Read Accumulation80.25-12.3% to today
Our analytic regime reads on this name, dated and marked against the screened price. Small sample per name, and separate from the daily-framework accuracy on the Track Record page.
Bank of Hawaii Corporation holds its Markdown at $70.34. The statistical read favours the sellers, held for 314 days.
As held on the ledger · 2026-09-23
Phase
Markdown · caution
Quantitative state
The statistical read favours the sellers, held for 314 days
Price at the screen
$70.34
Valuation
13.07 trailing · 10.58 forward price to earnings
Values screen
FAIL· score 30.0
Beta
0.69
The Workings
Five Screens, Shown in Full
Does not pass. Prohibited keyword in sector/industry: bank
Test
Figure
Limit
What it means
Status
Business activity
Excluded
Core business clean
Prohibited keyword in sector/industry: bank
Fail
Debt load
Excluded
Below 33%
Interest-bearing debt is of its assets, above the one-third ceiling the screen allows.
Fail
Interest-bearing cash
Excluded
Below 33%
Interest-bearing cash and securities are of assets, above the one-third limit.
Fail
Receivables
Excluded
Below 49%
Money owed to the company is of assets, above the 49% limit.
Fail
Revenue purity
Excluded
Below 5%
of revenue comes from non-compliant sources, over the 5% line.
Fail
Five checks adapted from AAOIFI screening standards: business activity plus four balance-sheet ratios. All five must pass for ethical clearance. Every figure is arithmetic on public accounts, not judgement.
The Ethical Read
Why It Falls Short, in Plain English
Bank of Hawaii does not clear the screen at the business-activity stage. It operates in conventional financial services, which the screen treats as interest-based, so the financial ratios are not the deciding factor here.
Read as at 2026-10-04. It updates when the underlying figures move, and past reads are kept below.
Fair value range in USD, drawn from the 2026-09-23 screen. The gold marker is the market price at the same screen. A 30.8% margin of safety to the base estimate.
Third-party analyst targets: 6 covering, consensus Hold. The average target sits +21% from the screen price.
Reading the gap · Both our model and the analysts see meaningful upside from here.
Price History & Projections
Where it has been, where the models see it going. History from market close data; projection points are our fair-value estimates and third-party analyst targets, dated to the 2026-09-23 screen.
Fair value and rating are our own model estimates; the Street's range reflects third-party analyst estimates. Analysis, not advice.
The Business, in Plain Words
Why Ethics Block This Hawaiian Regional Bank
Every time a family in Honolulu needs a mortgage or a Maui resort seeks working capital, the cash moves through a local lender like this one. The numbers show a clean 14 percent revenue rise, 30 percent profit margins and 12 percent ROE, with shares sitting 11 percent below our fair value at a forward multiple of 12.5 times. Yet none of that matters once the ethical screen is applied.
We pass outright. The company fails because it is a bank, full stop. Analyst consensus sits at hold with a median target only slightly above the current price, so there is no compelling mispricing to debate anyway. The screen exists precisely to remove this category from consideration.
Regional banks carry interest-rate and credit-cycle exposure that can compress returns quickly when the economy turns. That business risk is real, yet the ethical filter already rules the name out before we reach the numbers. Analysis, not advice.
The risks · The main risks here are ordinary market swings and the chance our fair-value read proves too optimistic.
Plain-English interpretation of our own screen data. Analysis, not advice.
Where & How to Trade
BOH trades on the NYSE. As a listed security it is accessible through almost any international broker offering its home market. New to this, or investing from abroad? Our guide to accessing global markets covers brokers, currencies and the practical steps.
The Dated Journal · Newest First, Never Edited
Every Entry, As Written
2026-10-02Markdown$70.34-11.1%Entry 6
The framework reads markdown. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved down 11.1% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows good risk-adjusted returns. Our composite framework grades it C, carrying a low risk profile. Technically it is holding around 10% above its long-term trend line with momentum reading neutral. Over the past year the shares are up 19%. Our forward projection puts the odds of a 10% gain over the next month near 21%. The street (6 analysts) rates it none, with a mean price target of $87.
2026-08-23Markdown · changed$79.08-7.9%Entry 5
The framework has shifted from accumulation to markdown since the last review. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved down 7.9% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows good risk-adjusted returns. Our composite framework grades it C, carrying a low risk profile. Technically it is holding around 10% above its long-term trend line with momentum reading neutral. Over the past year the shares are up 19%. Our forward projection puts the odds of a 10% gain over the next month near 21%. The street (6 analysts) rates it none, with a mean price target of $87.
2026-07-23Accumulation$85.85+7.0%Entry 4
The framework reads accumulation. Smart money appears to be quietly building positions. This typically precedes a markup phase. Price has moved up 7.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows good risk-adjusted returns. Our composite framework grades it C, carrying a low risk profile. Technically it is holding around 10% above its long-term trend line with momentum reading neutral. Over the past year the shares are up 19%. Our forward projection puts the odds of a 10% gain over the next month near 21%. The street (6 analysts) rates it none, with a mean price target of $87.
2026-07-18Accumulation$80.25+0.0%Entry 3
The framework reads accumulation. Smart money appears to be quietly building positions. This typically precedes a markup phase. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows good risk-adjusted returns. Our composite framework grades it C, carrying a low risk profile. Technically it is holding around 10% above its long-term trend line with momentum reading neutral. Over the past year the shares are up 19%. Our forward projection puts the odds of a 10% gain over the next month near 21%. The street (6 analysts) rates it none, with a mean price target of $87.
2026-07-03Accumulation$80.25+0.0%Entry 2
The framework reads accumulation. Smart money appears to be quietly building positions. This typically precedes a markup phase. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows good risk-adjusted returns.
2026-07-02Accumulation$80.25Entry 1
The framework reads accumulation. Smart money appears to be quietly building positions. This typically precedes a markup phase. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows good risk-adjusted returns.
Each entry above was written on its date, before the outcome. A journal you can prune is not a journal.
