It operates through three segments: Consumer Banking, Commercial Banking, and Treasury and Other. In 2025, Bank of Hawaiʻi was the No. 1 local bank in total loan dollars and number of residential loans. The company maintains a strong regional presence with strategic focus on relationship banking and community investment in underserved Pacific markets.
Cyborg Score Rationale
Bank of Hawaii demonstrates solid fundamentals as the dominant regional bank in its markets with market-leading positions in residential lending. However, challenges include leadership transition with the announced retirement of its long-serving CEO, and modest scale relative to national competitors. The bank maintains stable dividend yields and solid profitability metrics.
Top Insights
Market leadership position: #1 local bank in total loan dollars and residential loans in 2025
Leadership transition underway with announced CEO retirement in February 2026
Strong dividend profile with 3.58% yield (TTM) and 60.48% payout ratio in 2025
Mid-cap positioning with ~$3.1B market capitalization and regional geographic concentration
Named Competitors
First Hawaiian Bank — Regional bank competitor in Hawaii and Pacific markets
Central Pacific Bank — Regional bank competitor in Hawaii markets
Community Financial — Regional bank operating in multiple Pacific locations
Recent Developments
(February 2026) Announced planned retirement of Chairman and CEO Peter S. Ho
(January 2026) Released Q4 2025 and full year 2025 financial results; analyst price targets raised
(October 2025) DA Davidson maintained Neutral coverage with price target at $81
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