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Efficiency Overhead Ratio % for banks is non-interest expenses divided by revenue. It helps show how well banks control their overhead expenses. A lower Efficiency Overhead Ratio suggests that the bank is operating better.
Bank of Hawaii's Efficiency Overhead Ratio % for the quarter that ended in Jun. 2026 was 56.47%
, which is lower than
60.35% for the pervious quarter ended in Mar. 2026.
Bank of Hawaii's Efficiency Overhead Ratio % for the annual that ended in Dec. 2025 was 61.84%
, which is lower than
67.30% for the pervious year ended in Dec. 2024.
The historical rank and industry rank for Bank of Hawaii's Efficiency Overhead Ratio % or its related term are showing as below:
BOH's Efficiency Overhead Ratio % is not ranked *
in the Banks industry.
Industry Median: * Ranked among companies with meaningful Efficiency Overhead Ratio % only.
Bank of Hawaii (NYSE:BOH) Efficiency Overhead Ratio % Explanation
Efficiency Overhead Ratio % is typically used to analyze how well a company uses its assets and liabilities. It typically calculates the turnover of receivables, the repayment of liabilities, etc. In the banking industry, Efficiency Overhead Ratio % specifically refers to non-interest expenses divided by revenue. This ratio shows how well banks control their overhead expenses and allows analysts to assess their performance.
An Efficiency Overhead Ratio lower than 50% is considered to be optimal. If the Efficiency Overhead Ratio decreases, it means the bank’s expenses are decreasing and revenues are increasing, suggesting the bank is operating better.
Bank of Hawaii Efficiency Overhead Ratio % Related Terms
Bank of Hawaii Efficiency Overhead Ratio % Historical Data
* Premium members only.
The historical data trend for Bank of Hawaii's Efficiency Overhead Ratio % can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
BOH vs TOWN, SFNC, BANC: Efficiency Overhead Ratio % Comparison
For the Banks - Regional subindustry, Bank of Hawaii's Efficiency Overhead Ratio %, along with its competitors' market caps and Efficiency Overhead Ratio % data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Bank of Hawaii (NYSE:BOH) Efficiency Overhead Ratio % Calculation
Efficiency Overhead Ratio % is calculated as
Efficiency Overhead Ratio %
=
Non-interest Expenses
/
Revenue
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Frequently Asked Questions
What does a Efficiency Overhead Ratio % of 56.47% mean?
Bank of Hawaii (BOH) has a Efficiency Overhead Ratio % of 56.47% as of Jun. 2026. Efficiency Overhead Ratio for banks is non-interest expenses divided by revenue. It helps show how well banks control their overhead expenses. View historical data on Bank of Hawaii and its competitors.
Is Bank of Hawaii's Efficiency Overhead Ratio % too high?
Bank of Hawaii's current Efficiency Overhead Ratio % is 56.47%. Overall, Bank of Hawaii has a GF Score™ of 62/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Bank of Hawaii's Efficiency Overhead Ratio % compare to TOWN and SFNC?
Bank of Hawaii's Efficiency Overhead Ratio % of 56.47% can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Efficiency Overhead Ratio % for a Banks company?
A good Efficiency Overhead Ratio % depends on the Banks industry context. However, Efficiency Overhead Ratio % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Efficiency Overhead Ratio % mean?
A high Efficiency Overhead Ratio % can signal that a stock is expensive relative to its fundamentals. Efficiency Overhead Ratio for banks is non-interest expenses divided by revenue. It helps show how well banks control their overhead expenses. View historical data on Bank of Hawaii and its competitors. Bank of Hawaii's current Efficiency Overhead Ratio % is 56.47%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Bank of Hawaii stock overvalued right now?
Based on GuruFocus' analysis, Bank of Hawaii (BOH) is currently considered Fairly Valued. The stock's GF Value™ is $78.89, compared to a current price of $77.81 — trading 1.4% below its estimated fair value. The current Efficiency Overhead Ratio % is 56.47%. Bank of Hawaii's overall GF Score™ is 62/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Efficiency Overhead Ratio % calculated?
Efficiency Overhead Ratio % is calculated from a company's financial statements. For Bank of Hawaii (BOH), the current Efficiency Overhead Ratio % is 56.47% as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Bank of Hawaii (BOH) Overvalued in 2026?
Based on GuruFocus' analysis, Bank of Hawaii stock appears to be undervalued.
The current stock price of $77.81 is trading 1.4% below its estimated GF Value™ of $78.89.
GuruFocus considers Bank of Hawaii to be Fairly Valued.
Key valuation signals for BOH:
Efficiency Overhead Ratio %: 56.47%
GF Value™: $78.89 vs. price of $77.81 (1.4% below fair value)
No single metric tells the full story. See the BOH stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Bank of Hawaii Corp provides a broad range of financial products and services predominantly to customers in Hawaii, Guam, and other Pacific Islands. The Bank's subsidiaries are engaged in equipment leasing, securities brokerage, investment advisory services, and providing credit insurance. It is organized into three business segments for management reporting purposes: Consumer Banking, Commercial Banking, and Treasury and Other. Majority of the revenue is generated from Consumer Banking segment which offers a broad range of financial products and services, including loan, deposit and insurance products; private banking and international client banking services; trust services; investment management; and institutional investment advisory services.
62GF Score
Get the complete analysis for BOH
Efficiency Overhead Ratio % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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