ROE % is calculated as Net Income divided by its average Total Stockholders Equity over a certain period of time. Bank of Hawaii's annualized net income for the quarter that ended in Mar. 2026 was €198.7 Mil. Bank of Hawaii's average Total Stockholders Equity over the quarter that ended in Mar. 2026 was €1,592.6 Mil. Therefore, Bank of Hawaii's annualized ROE % for the quarter that ended in Mar. 2026 was 12.48%.
The historical rank and industry rank for Bank of Hawaii's ROE % or its related term are showing as below:
FRA:PIV'
s ROE % Range Over the Past 10 Years
Min: 9.73 Med: 15.43 Max: 17.68
Current: 12.26
During the past 13 years, Bank of Hawaii's highest ROE % was 17.68%. The lowest was 9.73%. And the median was 15.43%.
FRA:PIV's ROE % is ranked better than 65.55% of 1524
companies
in the Banks industry
Industry Median: 10.22
vs FRA:PIV: 12.26
Bank of Hawaii (FRA:PIV) ROE % Explanation
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
Note:
The net income data used here is four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) revenue data. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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.
Be Aware
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their ROE %s can be extremely high.
Bank of Hawaii ROE % Related Terms
Bank of Hawaii ROE % Historical Data
* Premium members only.
The historical data trend for Bank of Hawaii's ROE % 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.
For the Banks - Regional subindustry, Bank of Hawaii's ROE %, along with its competitors' market caps and ROE % 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 ROE % vs Banks Industry
For the Banks industry and Financial Services sector, Bank of Hawaii's ROE % distribution charts can be found below:
* The bar in red indicates where Bank of Hawaii's ROE % falls into.
* 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.
In the calculation of annual ROE %, the net income of the last fiscal year and the average total shareholder equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Mar. 2026) net income data.
ROE % is displayed in the 30-year financial page.
Bank of Hawaii (FRA:PIV) has a ROE % of 12.48% as of Mar. 2026. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Bank of Hawaii and its competitors. This is 19% below median its historical median of 15.43. Over the past decade, Bank of Hawaii's ROE % has ranged from 9.73 to 17.68. According to the industry distribution chart, Bank of Hawaii ranks #525 out of 1524 companies in the Banks industry, placing it in the top 34.4%.
Is Bank of Hawaii's ROE % too high?
Bank of Hawaii's current ROE % of 12.48% is 19% below median its 10-year median of 15.43. Over the past 10 years, this metric has ranged from a low of 9.73 to a high of 17.68. The Banks industry median ROE % is 10.22. Bank of Hawaii's value of 12.48% is 22.1% above this industry median. Based on the distribution chart, Bank of Hawaii ranks #525 out of 1524 companies in the Banks industry, which is above the industry midpoint. Overall, Bank of Hawaii has a GF Score™ of 61/100, reflecting its overall financial health beyond just this single metric.
How does Bank of Hawaii's ROE % compare to NIC and PRK?
According to the Banks industry distribution chart, Bank of Hawaii ranks #525 out of 1524 companies for ROE %. This puts Bank of Hawaii in the upper half of its industry. The industry median ROE % is 10.22. Bank of Hawaii's value of 12.48% is 22.1% above this benchmark. Historically, Bank of Hawaii's own ROE % has ranged from 9.73 to 17.68 over the past decade. While the company's 10-year median is 15.43 vs. the industry median of 10.22, Bank of Hawaii has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROE % for a Banks company?
The median ROE % among Banks companies is 10.22, based on 1,524 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Bank of Hawaii's current ROE % of 12.48% is 22.1% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Bank of Hawaii and its competitors. For the Banks industry, the median ROE % is 10.22 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Bank of Hawaii's current ROE % is 12.48%, which is 19% below median its own 10-year median of 15.43. 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?
Bank of Hawaii (FRA:PIV) has a current ROE % of 12.48%. The stock's GF Value™ is €61.17, compared to a current price of €66.00 — trading 7.9% above its estimated fair value. The current ROE % is 12.48%, which is 19% below median its 10-year median of 15.43 and 22.1% above the Banks industry median of 10.22. Bank of Hawaii's overall GF Score™ is 61/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROE % calculated?
ROE % is calculated from a company's financial statements. For Bank of Hawaii (FRA:PIV), the current ROE % is 12.48% as of Mar. 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 (FRA:PIV) Overvalued in 2026?
Based on GuruFocus' analysis, Bank of Hawaii stock appears to be overvalued.
The current stock price of €66.00 is trading 7.9% above its estimated GF Value™ of €61.17.
Key valuation signals for FRA:PIV:
ROE %: 12.48% (19% below median its 10-year median of 15.43)
GF Value™: €61.17 vs. price of €66.00 (7.9% above fair value)
Industry Position: 22.1% above the Banks median (#525 of 1524)
No single metric tells the full story. See the FRA:PIV 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.
61GF Score
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