HCI Group vs Bank of Hawaii

This page compares HCI Group Inc and Bank of Hawaii Corporation, examining business models, financial performance, and market context in a neutral, accessible way. Educational content, not financial advice.

This page compares HCI Group Inc and Bank of Hawaii Corporation, examining business models, financial performance, and market context in a neutral, accessible way. Educational content, not financial a...

Comparison Snapshot

Key Financial Metrics

HCI

Metric

BOH

$2.22B

Market Cap

$2.79B

31.10%

Potential Profit

-11.24%

Buy

Analyst Rating

Hold

Investment Analysis

HCI Group

HCI

Pros

HCI Group demonstrated substantial year-on-year improvements in profitability, with net income rising sharply in Q3 2025.
The company maintains a solid balance sheet, holding $520 million in cash, supporting financial resilience.
HCI Group's cautious expansion strategy has helped it sustain stable top-line performance despite operating in a high-risk insurance market.

Considerations

HCI Group missed revenue expectations in Q3 2025, raising concerns about future top-line growth sustainability.
The company's share price has declined following recent earnings, reflecting investor unease over revenue shortfalls.
HCI Group operates in a volatile Florida property and casualty insurance market, exposing it to significant weather-related risks.

Bank of Hawaii

BOH

Pros

Bank of Hawaii benefits from a stable regional banking environment with a strong local deposit base.
The bank maintains consistent profitability and a solid dividend track record, appealing to income-focused investors.
Bank of Hawaii has a conservative risk profile, with low exposure to national economic cycles compared to larger banks.

Considerations

Bank of Hawaii's growth prospects are limited by its regional focus, constraining expansion opportunities.
The bank faces margin pressure from persistently low interest rates, affecting net interest income.
Bank of Hawaii is exposed to local economic conditions, making it vulnerable to downturns in the Hawaiian economy.

About The Companies

HCI Group (HCI)

HCI Group Inc (HCI) is a US property and casualty insurance holding company primarily focused on homeowners and dwelling fire coverage in hurricane‑exposed markets, with a market capitalisation of about $2.55 billion. Investors should watch its underwriting performance, premium growth, reinsurance arrangements and reserve adequacy — these drive profitability alongside investment income. The company’s earnings can be volatile due to catastrophe losses, particularly from tropical storms and hurricanes, and regulatory or rate‑setting changes in key states. Capital management, access to reinsurance and claims handling are key operational levers. For long‑term investors, HCI offers exposure to insurance economics and pricing cycles, but it also carries concentration and event risk. This summary is educational and not personal investment advice; insurance shares can fall as well as rise and past performance is not a reliable guide to the future. Consider your risk tolerance and diversify appropriately.

Bank of Hawaii (BOH)

Bank of Hawaii Corporation (ticker: BOH) is a regional bank focused on serving customers across the Hawaiian Islands, offering retail and commercial banking, trust and wealth-management services, mortgages and other financial products. With a market capitalisation of roughly $2.46 billion, BOH is a small-to-mid cap lender whose performance typically reflects local economic conditions—notably tourism, real estate and consumer spending—alongside broader interest-rate and credit cycles. Key factors for investors include net interest margins, loan growth and credit quality, plus regulatory capital requirements. Geographic concentration can be a strength in favourable local markets but also amplifies risk if the Hawaii economy softens. The company has historically paid dividends, though payments and yields can change. This is general educational information, not personalised advice; values can fall as well as rise and suitability depends on your circumstances, so consider speaking to a regulated financial adviser.

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Comparison Snapshot