Bank of Hawaii Earnings Preview

While Bank of Hawaii (NYSE: BOH  ) missed estimates last quarter, investors hope that it will bounce back and outpace Wall Street expectations this quarter. The company will unveil its latest earnings on Monday. Bank of Hawaii is a bank holding company that through its operating subsidiary provides a range of financial services and products mainly to customers in Hawaii and the Pacific Islands.

What analysts say:

• Buy, sell, or hold?: Analysts are bullish on Bank of Hawaii as six analysts rate it as a buy and only three analysts rate it as a sell. Analysts like Bank of Hawaii better than competitor City National overall. Analysts still rate the stock a hold, but they are a bit more wary about it compared to three months ago.
• Revenue forecasts: On average, analysts predict $146.6 million in revenue this quarter. That would represent a decline of 9.4% from the year-ago quarter.
• Wall Street earnings expectations: The average analyst estimate is earnings of $0.82 per share. Estimates range from $0.76 to $0.87.

What our community says:
CAPS All-Stars are solidly behind the stock with 92.2% giving it an outperform rating. The community at large backs the All-Stars with 93.2% awarding it a rating of outperform. Fools have embraced Bank of Hawaii, though the message boards have been quiet lately with only 64 posts in the past 30 days. Even with a robust four out of five stars, Bank of Hawaii's CAPS rating falls a little short of the community's upbeat outlook.

Management:
Bank of Hawaii's income has fallen year over year by an average of 5.8% over the past five quarters. Revenue has fallen for the past three quarters.

Now let's look at how efficient management is at running the business. Traditionally, margins represent the efficiency with which companies capture portions of sales dollars. The following table shows net margins over the past four quarters.

Quarter	Q2	Q1	Q4	Q3
Net Margin	22.0%	25.5%	25.2%	25.0%

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