Bank of Hawaii Corporation (BOH)vsU.S. Bancorp (USB)
BOH
Bank of Hawaii Corporation
$74.00
+0.79%
FINANCIAL SERVICES · Cap: $2.80B
USB
U.S. Bancorp
$51.89
-0.48%
FINANCIAL SERVICES · Cap: $81.01B
Smart Verdict
WallStSmart Research — data-driven comparison
U.S. Bancorp generates 3637% more annual revenue ($26.35B vs $705.13M). BOH leads profitability with a 29.2% profit margin vs 28.7%. USB appears more attractively valued with a PEG of 1.80. USB earns a higher WallStSmart Score of 75/100 (B).
BOH
Strong Buy75
out of 100
Grade: B+
USB
Strong Buy75
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+64.4%
Fair Value
$216.68
Current Price
$74.00
$142.68 discount
Margin of Safety
+75.8%
Fair Value
$214.00
Current Price
$51.89
$162.11 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Strong operational efficiency at 42.7%
Earnings expanding 63.4% YoY
Conservative balance sheet, low leverage
Keeps 29 of every $100 in revenue as profit
Attractively priced relative to earnings
Reasonable price relative to book value
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 39.3%
Large-cap with strong market position
Keeps 29 of every $100 in revenue as profit
Earnings expanding 24.7% YoY
Areas to Watch
Expensive relative to growth rate
Distress zone — elevated risk
Expensive relative to growth rate
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : BOH
The strongest argument for BOH centers on Operating Margin, EPS Growth, Debt/Equity. Profitability is solid with margins at 29.2% and operating margin at 42.7%. Revenue growth of 17.4% demonstrates continued momentum.
Bull Case : USB
The strongest argument for USB centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 28.7% and operating margin at 39.3%.
Bear Case : BOH
The primary concerns for BOH are PEG Ratio, Altman Z-Score.
Bear Case : USB
The primary concerns for USB are PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
BOH profiles as a growth stock while USB is a mature play — different risk/reward profiles.
USB carries more volatility with a beta of 1.04 — expect wider price swings.
BOH is growing revenue faster at 17.4% — sustainability is the question.
USB generates stronger free cash flow (2.8B), providing more financial flexibility.
Bottom Line
BOH scores higher overall (75/100 vs 75/100), backed by strong 29.2% margins and 17.4% revenue growth. USB offers better value entry with a 75.8% margin of safety. Both earn "Strong Buy" and "Strong Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Bank of Hawaii Corporation
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Bank of Hawaii Corporation is the bank holding company for Bank of Hawaii, offering a variety of financial products and services in Hawaii, Guam, and other Pacific Islands. The company is headquartered in Honolulu, Hawaii.
U.S. Bancorp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
U.S. Bancorp is an American bank holding company based in Minneapolis, Minnesota, and incorporated in Delaware. The company provides banking, investment, mortgage, trust, and payment services products to individuals, businesses, governmental entities, and other financial institutions.
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