California First Leasing (OTCMKTS:CFNB) vs. Bank of Hawaii (NYSE:BOH) Head to Head Review

Bank of Hawaii (NYSE:BOH) and California First Leasing (OTCMKTS:CFNB) are both finance companies, but which is the better stock? We will compare the two companies based on the strength of their valuation, earnings, analyst recommendations, institutional ownership, dividends, risk and profitability.

Analyst Ratings

This is a summary of current ratings and price targets for Bank of Hawaii and California First Leasing, as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Bank of Hawaii	1	3	1	0	2.00
California First Leasing	0	0	0	0	0.00

Bank of Hawaii currently has a consensus target price of $71.25, suggesting a potential downside of 0.80%. Given Bank of Hawaii’s stronger consensus rating and higher probable upside, analysts clearly believe Bank of Hawaii is more favorable than California First Leasing.

Risk & Volatility

Bank of Hawaii has a beta of 0.75, meaning that its stock price is 25% less volatile than the S&P 500. Comparatively, California First Leasing has a beta of 0.14, meaning that its stock price is 86% less volatile than the S&P 500.

Profitability

This table compares Bank of Hawaii and California First Leasing’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Bank of Hawaii	17.41%	13.33%	0.77%
California First Leasing	N/A	N/A	N/A

Institutional and Insider Ownership

82.2% of Bank of Hawaii shares are owned by institutional investors. Comparatively, 6.5% of California First Leasing shares are owned by institutional investors. 2.1% of Bank of Hawaii shares are owned by insiders. Comparatively, 92.2% of California First Leasing shares are owned by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company is poised for long-term growth.

Earnings & Valuation

This table compares Bank of Hawaii and California First Leasing”s gross revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Bank of Hawaii	$1.04 billion	2.76	$149.99 million	$4.08	17.60
California First Leasing	N/A	N/A	N/A	N/A	N/A

Bank of Hawaii has higher revenue and earnings than California First Leasing.

Summary

Bank of Hawaii beats California First Leasing on 9 of the 10 factors compared between the two stocks.

About Bank of Hawaii

Bank of Hawaii Corporation operates as the bank holding company for Bank of Hawaii that provides various financial products and services in Hawaii, Guam, and other Pacific Islands. It operates in three segments: Consumer Banking, Commercial Banking, and Treasury and Other. The Consumer Banking segment offers checking, savings, and time deposit accounts; residential mortgage loans, home equity lines of credit, automobile loans and leases, overdraft lines of credit, installment loans, small business loans and leases, and credit cards; private and international client banking, investment, credit, and trust services to individuals and families, as well as high-net-worth individuals; investment management; institutional investment advisory services to corporations, government entities, and foundations; and brokerage offerings, including equities, mutual funds, life insurance, and annuity products. The Commercial Banking segment provides corporate banking, commercial real estate loans, commercial lease financing, auto dealer financing, and deposit products. This segment also offers commercial lending and deposit products to middle-market and large companies, and government entities; commercial real estate mortgages to investors, developers, and builders; and international banking and merchant services. The Treasury and Other segment provides corporate asset and liability management services, including interest rate risk management and foreign exchange services. Bank of Hawaii Corporation was founded in 1897 and is headquartered in Honolulu, Hawaii.

About California First Leasing

California First Leasing Corporation provides loans and lease financing for universities, businesses, and other commercial or non-profit organizations. The company was formerly known as California First National Bancorp and changed its name to California First Leasing Corporation in February 2021. California First Leasing Corporation was founded in 1977 and is based in Newport Beach, California.