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Bank of Hawaii Corporation (BOH) vs NBT Bancorp Inc. (NBTB)

Bank of Hawaii Corporation and NBT Bancorp Inc. are both Banks Regional companies. Bank of Hawaii Corporation and NBT Bancorp Inc. are of similar size ($2.8B and $2.7B). Bank of Hawaii Corporation trades at the lower P/E: 12.0× against 12.7×. NBT Bancorp Inc. grew revenue faster over the last twelve months: 9.61% against 1.77%. NBT Bancorp Inc. has the higher net margin (22.9% vs 20.9%) and the higher return on invested capital (9.91% vs 8.88%). Both pay a dividend; Bank of Hawaii Corporation yields more (4.01% vs 2.85%). Across the 19 metrics below, NBT Bancorp Inc. leads on 10 and Bank of Hawaii Corporation on 9.

Valuation

Metric BOH NBTB Banks Regional median
P/E 11.97 12.66 12.02
P/S 2.55 2.88 2.36
P/B 1.85 1.41 1.23
Price to free cash flow 10.26 11.16 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 8.35% 7.90% 8.21%
Free cash flow yield 9.75% 8.96% 9.23%

Profitability

Metric BOH NBTB Banks Regional median
Gross margin 72.25% 78.94% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 20.94% 22.87% 18.82%
Free cash flow margin 24.87% 0.00% 17.97%
Return on equity 15.40% 0.00% 10.28%
Return on assets 0.94% 1.34% 1.13%
Return on invested capital 8.88% 9.91% 8.45%

Growth

Metric BOH NBTB Banks Regional median
Revenue growth (TTM) 1.77% 9.61% 6.37%
EPS growth (last fiscal year) 33.82% 12.12% 18.85%
Revenue growth, 5-year CAGR 7.86% 12.88% 12.65%
Net income growth, 5-year CAGR 3.74% 10.15% 9.81%

Health

Metric BOH NBTB Banks Regional median
Debt to equity 0.47 0.08 0.17
Current ratio 0.72 0.87 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric BOH NBTB Banks Regional median
Dividend yield 4.01% 2.85% 2.49%
Payout ratio 0.48 0.36 0.29

Size

Metric BOH NBTB Banks Regional median
Market cap 2.74b 2.75b 934.85m

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