Investors are on the edge of their collective seats, hoping that Bank of Hawaii (NYSE: BOH) will top analyst expectations for the fifth consecutive quarter. The company will unveil its latest earnings on Monday, July 25. Bank of Hawaii is a bank holding company, which, 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 think investors should stand pat on Bank of Hawaii with nine of 15 analysts rating it hold. Analysts like Bank of Hawaii better than competitor City National overall. Four out of 21 analysts rate City National a buy compared to four of 15 for Bank of Hawaii. While analysts still rate the stock a hold, they are a little more optimistic 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 6.6% from the year-ago quarter.
  • Wall Street Earnings Expectations: The average analyst estimate is earnings of $0.78 per share. Estimates range from $0.71 to $0.83.

What our community says:
CAPS All Stars are solidly backing the stock, with 92% granting it an "outperform" rating. The community at large agrees with the All Stars, with 93.7% giving it a rating of "outperform." Fools are gung-ho about Bank of Hawaii, though the message boards have been quiet lately with only 61 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 profit has risen year over year by an average of 12.9%. 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

Q1

Q4

Q3

Q2

Net Margin

25.5%

25.2%

25.0%

24.7%

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