Hold. Bank of Hawaii's Value Compounder Score of 73/100 reflects reasonable valuation (12.4× forward P/E), but growth is constrained: Hawaii and Pacific Islands concentration (64% of loan portfolio in mortgages) creates structural vulnerability to regional economic shocks and military-dependent demand. Leadership shows moderate alignment (68/100) without standout capital discipline signals. Best suited for income-focused holders comfortable with geographic concentration risk.
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Stocky rates BOH (BOH) at 64/100 — a Hold — quality is solid but valuation or risk factors cap upside. The score fuses business quality, moat width, leadership alignment, valuation and analyst signal into a single number. Hold. Bank of Hawaii's Value Compounder Score of 73/100 reflects reasonable valuation (12.4× forward P/E), but growth is constrained: Hawaii and Pacific Islands concentration (64% of loan portfolio in mortgages) creates structural vulne
BOH's current Stocky Verdict is 64/100, placing it in the "Hold" band. This composite combines a 73/100 Compounder score, 68/100 Leadership, Moat rating, and analyst signal.
Stocky hasn't finalised a Moat Score for BOH yet — the analysis draws from ROIC trends, pricing power evidence, and competitive-position filings.
BOH scores 68/100 on Leadership Alignment. Higher = more founder involvement, higher insider ownership, sensible pay, and evidence of long-term capital allocation discipline.
BOH's Vulnerability Profile scores 50/100 (higher = more resilient). The profile flags customer concentration, supply chain, refinancing walls and regulatory risks specific to BOH.
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