Checking the bank of hawaii stock price today feels a bit like watching the tide come in at Waikiki. It’s steady, predictable, but there’s always a bit of an undertow if you aren't paying attention. As of January 18, 2026, the market is digesting the latest Friday close where BOH sat at $71.25. That's a tiny slip of about 0.8% from the previous session, but honestly, in the world of regional banking, "steady as she goes" is exactly what investors are looking for right now.
The bank is currently carrying a market cap of roughly $2.83 billion. If you've been tracking this since the start of the year, you've noticed it’s up about 4.1% year-to-date. That’s not "get rich quick" territory, but it’s outperforming a lot of mainland peers who are still sweating over commercial real estate exposure.
The Numbers Behind the $71.25 Price Tag
Most people just look at the ticker and move on. You've gotta look deeper. BOH is trading at a price-to-earnings (P/E) ratio of 17.44x. Is that high? Well, the industry average for regional banks usually hovers around 12x, so you’re definitely paying a "Hawaii premium" here.
Why the premium?
It's the deposit base. Most banks have to fight tooth and nail for every dollar. Bank of Hawaii basically is the financial infrastructure of the islands. They have a massive chunk of consumer deposits that just don't move, even when interest rates get weird. That "sticky" money is why analysts like Jeff Rulis at DA Davidson have kept a Neutral stance but noted the bank's unique moat.
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Key Technical Stats at a Glance:
- 52-Week Range: $57.45 – $76.00
- Dividend Yield: A juicy 3.93% (roughly $2.80 per share annually)
- Next Earnings Date: January 26, 2026
- Beta: 0.75 (meaning it’s less volatile than the overall market)
What the Analysts Aren't Saying Out Loud
There is a weird split in how people see this stock. On one hand, you have Barclays upgrading the stock late last year to Equalweight because they saw "fixed-rate asset repricing" finally kicking in. Basically, the bank is finally getting paid more on the loans it made years ago.
On the other hand, some folks look at the 17x P/E and think it's overvalued. Simply Wall St recently put out a note suggesting that while the intrinsic value might be higher based on cash flows, the current price vs. earnings story is a bit stretched.
The real secret? It’s the real estate. BOH’s loan book is heavily secured by local Hawaii property. We’re talking high FICO scores and low loan-to-value ratios. While a skyscraper in San Francisco might be a liability for a bank right now, a residential mortgage in Oahu is still gold.
Why January 26th is the Date to Circle
The bank of hawaii stock price today is really just a placeholder for the fireworks coming in about a week. On January 26, 2026, the bank drops its Q4 2025 results. Analysts are looking for an EPS (Earnings Per Share) of around $1.26.
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If they hit that? It would be a nearly 46% jump compared to the same quarter last year.
That's the kind of growth that turns a "Hold" into a "Buy." Management has been talking up their Net Interest Margin (NIM) expansion for months. If those margins actually showed up in the December numbers, $71.25 is going to look like a bargain very quickly.
Is the Dividend Still Safe?
Short answer: Yes.
Longer answer: Bank of Hawaii has a 54-year streak of paying dividends. They just declared their latest quarterly payout of $0.70 per share. With a payout ratio of around 68%, they aren't exactly "pushing it." They have enough room to keep the checks coming even if the economy hit a minor speed bump. For income seekers, that 3.9% yield is a lot more attractive than a volatile tech stock.
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Practical Steps for Investors
If you're looking at the bank of hawaii stock price today and wondering what to do, don't just jump in because the chart looks green.
- Watch the NIM: When the earnings report drops on the 26th, look specifically at the Net Interest Margin. If it’s trending above 2.2%, the stock has legs.
- Check the Deposit Beta: This is a fancy way of saying "how much more is the bank paying customers to keep their money there?" If BOH is keeping their interest costs low while charging more for loans, they win.
- Set a Limit: The stock has struggled to break past that $76.00 52-week high. If it gets close to that, expect some resistance.
Keeping an eye on the bank of hawaii stock price today requires a bit of patience. It’s a slow-burn stock in a fast-paced market. But in an era where regional banks are often viewed with suspicion, BOH remains a unique island of stability—literally.
Next Actionable Step: Review your portfolio's exposure to regional banking and check the BOH investor relations page on the morning of January 26th for the live earnings webcast to see if they meet the $1.26 EPS target.