Reddit Posts
Bank of Hawaii (BOH) significantly undervalued
Bank of Hawaii (BOH) significantly undervalued
Moodys regional bank credit rating review complete
Moody’s Downgrades 11 Regional Banks shows banking crisis isnt over
Hawaiian banks as a refuge during the current turbulence in the regional banking sector.
Backtesting the most popular investment strategies over the last two decades!
Backtesting the most popular investment strategies over the last two decades!
BOH suing wsb mods…. Sounds desperate like when your ex calls your mom to try to get you back together. fuck the hedgies and the banks same guys in 08 as now . CLOV to Pluto
Mentions
Only if you itemize, and still owe payroll taxes. It is a marginal benefit if anything for most restaurant swrvers, unless you are working fine dining. Seeing lots of applications for BOH work as well.
Sounds like the day manager at an Applebees posting an employee notice on the BOH dry erase board
Today I visited the BOH tea farm/plantation in Cameron Highlands - West Malaysia. Family owned for 96 years, and going strong. The son of the founder got it functioning again after the Japanese occupation. It may grow for another 100 years. What sets it apart?
That IPO day was fun for sure. I had 175 shares and I clocked in for work at 11:53 (card dealer shift started at noon) so I had to go to the casino floor where absolutely no phones allowed. I had the first break at 12:20 and got to BOH and it was at 56. I couldn’t hit the sell button fast enough and made $6k in 20 minutes. What a day.
And she said youre not the only one but you're the best Bradley BOH BOH
https://preview.redd.it/1el7mkyn354f1.jpeg?width=316&format=pjpg&auto=webp&s=c7f9a33de771a702ba5f730901c1a0579f31e5d5 Gotta look harder friend, most like BOH.
Doesn't BOH usually turn it off 30-60min before close?
In general, COCO. Bought near IPO and it’s ballooned since my thesis of “I’ll buy some shares of the coconut water I like.” Well timed contrarian plays? BOH, and META
Cynthia…Te se la…you’re dead. You are dead. Be back BOH boo ba. Dead.
🎵 and she said you're not the only one, but you're the best Bradley..BOH BOH 🎵🎵
I’ve met several genuinely intelligent and well-read BOH kitchen staff. I can’t say the same for HR
Okay, how are they great? Last time I banked with them they penalized me with fees if I had under 5k in my account at any given time. They seemed to change the rules all the time as well. What is that? "your poor so let's punish you fee?" I bank with BOH and they are completely transparent. Even Chase is better than BOA. I just don't understand why I'd be loyal to a company that takes my money because I don't have enough. It's not an overdraft fee or anything. Besides that they've been rude to me whenever I asked them about their fees. Maybe you have enough money and so you don't get punished, but I was a struggling student and they constantly took money from my account.
Diversify a bit completely away from tech. Many of the posts below are still touting tech which will fall in sympathy if NVDA does. A few months ago I bought a few hundred shares of HTGC, a firm that provides startup equity. And a couple of other dividend payers are good too. BOH is in a dip. Someday it could be acquired and have a big jump. If you still want to gamble with volatility, RDDT is still young and likely has a long climb ahead of it. QQQ literally has 100 companies of diversity in it. Granted one is NVDA. Good idea, AI has a lot of FOMO behind it's price now. Best of luck.
[https://investorplace.com/2023/12/7-short-squeeze-stocks-that-are-screaming-for-speculation/](https://investorplace.com/2023/12/7-short-squeeze-stocks-that-are-screaming-for-speculation/) TRUP has 39% SI and growing revenues. BOH has 20% SI and rebounding from regional bank crisis. These are fundamental squeezes as they squeeze and hold pricing. FSR, like GME and others that raise on speculation, drop right back leaving too many bag holders. I like squeezes where there are less bag holders.
HE is basically a monopoly on the power supply in Hawaii and pretty much working with the state and the US gov to swap Hawaii in to 100% renewable energy which means funding and support where even if they lose the lawsuits they will end up going back to where they were or better since they will essentially become the poster child of 100% renewable energy for other states. There’s a bunch of data to back this up but this is my brief of the situation. TBNK I admit is a bit of a gamble but they are one of the largest banks in Hawaii that has a high focus on land and real estate. With the fires burning down a large chunk of land, there will be a huge demand for financing, rebuilding, and sell offs and buy outs of land happening once the situation gets cleaned up a bit, they are trading low at the moment but once things stabilized they are poised to make some nice gains. BOH is also going well but I think TBNK has more room for larger growth.
Covid fears receded alot, people realized they can make more money, more info spreading alot, fed cuts, a mass realization that stocks are cheap, overall it’s just that people are feeling good about 2024 and once that first cut hits everything will blow up a bit more but if the feds announce another cut for 2025 then it’s going to absolutely break records back to back. Same reason I dropped a wad of cash on REITs like O and APR as well as banks like TBNK BOH and BAC. I’m hoping for a fruitful 2024
The best time was to buy regionals after the scare - BOH has been minting for me and my divvy rate is obscene on my base. If you like banks overall, something like FAS is probably safe. But I don’t think banks are a double-bagger anymore
BOH and some of the other regionals were higher during the flash crash, but have since come up considerable in base
Heard! You fancy keep it up you'll be the sous chef in no time. Just dont spend it all on drugs like all the other BOH lol
Most trades I’ve posted have been very profitable immediately after posting, but of course I can’t tell people how long to hold. You can check my post history: Winners: SOFI, SMCI, BOH (got taken down), NIO (earnings play), COIN, RIVN, PTON, RUN Currently break-even: PYPL Losers: SPWR (was a little too early on solar sector rebound), VFS (went full regard for a day)
BOH (Bank of Hawaii) just shot up over 8% premarket?!! What happened?
BOH also a regarded bank, yes
Can someone explain the buying/selling process of Before open and After Close chart. I will also take any advice on trading stocks. I bought BOH before open and sold but only made about $6.
I haven't looked lately, but the preferreds of regional banks are probably a good start. BOH, Bank of Hawaii, for instance, is a fortress practically, and is, in the context of that island, too big to fail. Their preferreds were paying a decent yield recently because of course the price had dumped. Check them out. Out of the covered call ETFs, RYLD is the best, just because the Russell 2000 is volatile so the premiums it gets are good. Also cheap as small stocks have been beaten up. They have a strategy for selling the calls that sounds really strange at first but I've been in it for a while and it does work. BDC's might also work. I've been in BCSF, Bain Capital's version, for a while. It's done well. There's actually a lot of options, but in all cases there is risk involved. As with anything else, diversify and monitor closely.
Waiter here. Tipping actually works out better for the average customer than you’d think. With tips, I make about $33/hour on average. I get no breaks, walk around 6 miles a day at work, and bend over backwards to make the customer experience good. If I got paid hourly, I have no incentive to take bigger sections, skip bathroom breaks, or just give a fuck at all. I and many others would quit right away bc unless I’m making like $25/hr I’m better off going to somewhere more chill that’ll give me benefits, PTO, sick days… dignity 😂 and work a bit more. As a customer you don’t see how much time a restaurant is over staffed (slow days, waiting for rushes, cleaning). As of now making a low hourly, the restaurant can keep a bunch of servers waiting and ready for a potential rush at all times. But if we made a real hourly *and* needed 20% more staff, costs will likely go up more than the tip ends up costing. Restaurants just don’t have the kind of margins most people think they do. BOH labor gets expensive really fast. Tons (literally) of waste, stuff breaks, meals get messed up, you get it. It feels intuitive to me, but keeping labor costs low as possible usually works out well. Also, most servers I know are pretty chill with 15-20%, no one expects 25 really. This does all fall apart for the outlier guests who order the most expensive food and drinks as well as catering. We hosted an event that cost the people $30k, our team of 6 shared a 10% cut of that ($500 a pop) plus cash tips made in there. I’ll admit my labor that day was not worth $50/hour.
BAC WFC BOH KO F T VZ believe it or not, GME is valuable too. Over priced contracts perfect to sell and I don’t care if they get assigned because the stock crashes next week anyways.
Are you after dividends ? I would stay away from telecommunication. If you want dividends look at BOH. Solid bank with a high dividend (9% I think) it rallied 10% last week. It’s down from 90 something 52 week high and is around 45 rn. If you know anything about Hawaii, it is that it’s run by oligarchy. If you believe the state of Hawaii will fail then don’t buy, if you think the state of Hawaii will do great then get into it. They own like 11% of all loans in Hawaii. High short interest rn too like 20%
Sell everything and pick up Amazon , Tesla , and all the major banks. BOH BAC WFC JPM. all fire buys for the next 6 months.
Going in on BAC, WFC and BOH.
Why has BOH also sold off so hard? Good buy in your opinion?
Look at BOH, CMA also starting to decline
BOH with the ultra regard moves today, still think something is up since it has been drilling for a week straight. Some kind of week end announcement? PACW dying would hardly be a surprise at this point though
BOH -11%, can't find any news but someone knows something I guess
Any news on BOH? loss leader in regional banks, just keeps drilling. Now -10%
Somethings wrong with BOH, down 8% and just continues to drill. To late to short bank of hawaii?
But they just reported almost no loss in deposits whatsoever at their most recent earnings a few weeks ago. Not sure why, but it appears to have an extremely loyal customer base. Separately, short sellers are shorting the entire regional bank sector, not just BOH
Feels like even the banks without deposit issues are just a tweet away from having issues, so everyone is cautious on the space. Furthermore, if people are moving deposits, it's not to another regional, so deposits have asymmetric downside for regionals now. BOH may end up being a great buy, but everything in the space is risky right now.
Wow that’s brutal…. Yeah so anyway… Why is BOH trading with these other regional banks when they experienced almost no depositor loss? Thinking about buying some 8DTE calls
Puts on BOH, check their 22’ 10k
Any opinions on BOH?
BOH with them 24 billon markdown in assets…
I almost purchased $25k of FRC because I thought it would bounce. But when the stock started gaining momentum for no reason I could smell the shit on fire. I ended up stumbling across BOH. Which had an exceptional track record, extremely well diversified and depositors that will not pull their money and run, primarily because their money is insured and safe, and there are so few options for alternative banks, this bank being one of the oldest and best performing and managed.
Hawaii has a population of less than 1.5 million people. 33.4% that BOH hold is not much. They are too small to invest in IMO. Banks are not popular right now and small banks are too much risk for me, but good luck to u!
Majority of depositors being below the $250k limit isn't the same as majority of deposits being below the $250k limit. At <10% depositors uninsured but 40%+ deposits uninsured, BOH doesn't look that different from peers.
At the end of the day, banks are banks and have only so many ways to make money. BOH is well diversified.
Hawaii's banking market is different from any other. No mainland bank has any foothold in the market except Homestreet Bank with 5 branches. BOH and FHB basically dominate the market with Hawaii State FCU and HawaiiUSA FCU taking on the remainder for the most part.
The major issue is the run in deposits. The depositors at BOH are very different, these are locals with not many options. The average consumer balance is $18,000, with commercial at $134,000 which falls well below the FDIC-Insured limits. Making the depositors more sticky and less likely to move their money.
Looking at BOH, for example, Baa3 has a 2.3% 5 year cumulative default rate while Baa2 has a default rate of 1.3%, so the five year default rate increased by 1%, or 0.2% per year. This looks like a reduction in annual expected share return of 0.2%, if the two possibilities are "continue as normal" or "default and go bankrupt". However, the bank fell from 75 to 50 (33%) during this whole banking crisis, which suggests that share prices over-reacted by a lot. The stock is paying over 5% in dividends at P/E=9, about a 50% payout.
BOH shouldn't not be downgraded. It's one of the few fantastic banks left and is super safe.
Usb A2 -> A3 (outlook stable) Zion A1-> A2 (outlook stable) BOH Baa2 -> Baa3 WAL A2 -> Baa1 (outlook stable) FRC Ca -> Caa1 ASB Baa1 -> Baa2 (outlook stable) CMA Comerica A3 -> Baa1 FHB Aa3 -> A1 (outlook stable) Intrust A2 -> A3 (outlook stable) WAFB A1 -> A2 (outlook negative) UMB A3 -> Baa1 (outlook stable) FRC only one in junk range. Bullish?
2 of Hawaii's big banks on there...FHB and BOH. Fun fact...HI doesn't have branches of any of the big national banks (BOA/Chase/WF, etc.)
I like the entry level of BOH rn… Maybe take a small position on a red day
Do you know diff in BOH and BOH-PA? Is BOH-PA some nonsense preferred that will cancel divi whenever?
u/thetaFAANG, [I think everyone is holding some shitty bonds or securities at this point.](https://www.morningstar.com/news/marketwatch/20230313167/20-banks-that-are-sitting-on-huge-potential-securities-lossesas-was-svb) Some are a lot worse off than the two banks I talked about here, if you look at the ratio between accumulated other comprehensive income (AOCI) and total equity capital minus AOCI (TEC) AOCI / (TEC- AOCI) for these banks and compare it to others it looks about on par. It appears that a lot of banks hover around approximately -15% to -30%. In the table below I threw in some random other banks and a couple credit unions to give an idea of the spread. The link in above will also provide the same information for 20 other banks some of which are in really bad shape, maybe not First National Bank of Ely bad but still pretty bad. |Bank|Ticker|AOCI|TEC|AOCI - (TEC-AOCI)| |:-|:-|:-|:-|:-| |Community Bank of the Bay|None|\-7804|183609 |\-4.08% | |Silicon Valley Bank|SVB|\-1911000|16295000|\-10.50%| |Golden 1 Credit Union|None|\-484400|1837648|\-20.86%| |First Hawaiian Bank |FHB|\-639254|2269005|\-21.98%| |Ally Financial |ALLY|\-4059000|12859000|\-23.99%| |Bank of Hawaii|BOH|\-434658|1316995|\-24.81%| |Central Valley Community Bank |CVCY|\-81227|240879|\-25.22%| |Educational Employees Credit Union|None|\-208503|530431|\-28.22%| |First National Bank of Ely |None|\-12068|2465|\-83.04%|
Lets see if these BOH puts print. Anyone shorting the banks?
These stocks and ETFs are experiencing the largest losses in stock price today. WAL is down 78.23%, PACW is down 47.69%, CMA is down 39.42%, ZION is down 37.17%, BOH is down 35,93%., EWBC Is Down 32,23%. UMBF ia Down 27,,6% And KEY IsDown 2650
BOH puts are up 100k% lmfao
Look at BOH puts lmfao up 100k%
BOH next to go? Hawaii is barely even the Us at this point
Ok buddy, whatever you say. But before I go, I'll leave you with some peer reviewed studies and papers from official .gov sources and pubmed that have concerns about the vaccine, every time I post these people like you immediately stop responding because you can't refute them. These are actual doctors and scientists, you know, the ones I'm always told to follow. Anyway, have fun reading them, if you even bother. https://dpbh.nv.gov/uploadedFiles/dpbhnvgov/content/Boards/BOH/Meetings/2021/SENEFF\~1.PDF https://www.ncbi.nlm.nih.gov/pmc/articles/PMC8520501/ https://www.ncbi.nlm.nih.gov/pmc/articles/PMC8509779/ [https://pubmed.ncbi.nlm.nih.gov/35832078/](https://pubmed.ncbi.nlm.nih.gov/35832078/) https://insulinresistance.org/index.php/jir/article/view/72/225?fbclid=IwAR2L8D2qRen3RHAGdoatcp0MFka-54arPQmlMF55Vdr8gFyhiIqowB6kdPM
FOH or BOH does it matter ? As long as it's Wendy's
i’m sure a lot depends on the franchise/state; im in PA, and was still paid state minimum 7.25 while on the road + my tips each night. BOH workers made closer to $10-12/hr iirc. i still firmly believe in tipping drivers :)
Meanwhile BOH is slaving away lol.
The NV BOH is about half real interest in public health and half industry stuffed shirts. Not all good news from the sc of nv. In a Supreme Court of Nevada decision, Caballos v. NP Palace, LLC, filed August 11, 2022, the court ruled, "Although Nevada has decriminalized adult recreational marijuana use, the drug continues to be illegal under federal law. Because federal law criminalizes the possession of marijuana in Nevada, its use is not 'lawful .. in this state' and does not support a private right of action under NRS 613.333. Further, because NRS 678D.510(1)(a) authorizes employers to prohibit or restrict recreational marijuana use by employees, an employee discharged after testing positive at work based on recreational marijuana use does not have a common-law tortious discharge claim" I really get chapped with the 'quasi legal' crap. Citizens can not legally grow if they live within 25 miles of an anointed pot store.
I have pretty bad ADHD so my brain loves working in contradictions. And I am a BOH kitchen man myself for 15 years, from like cook to GM to failed restaurant owner to *knock on wood* successful options trader.
\^\^\^This. Everyone needs clear roles and responsibilities for something like this to work in addition to good communication. And if the team doesn't have the skills, hiring a professional is needed. Back office work is equally important as BOH and FOH. Payroll, Human Resources, and Bookkeeping are often overlooked. There's a 1-Michelin star restaurant in the Bay Area that's been around a few years. They're booked out about four to six weeks. They struggle to make payroll, often times bounce payroll checks. Vendors aren't paid on time either.
Sitting in BOH laughing my ass off. Thanks for making a boring night better.
Nope, restaurant industry FOH - Dining Room BOH - Kitchen
My favorite bank is BOH, especially if you are patient and get it around $80. It pays a good dividend (for a financial stock). I use this to diversify some. I have been doing well swing trading it although I am currently out. Just be aware that most financial stocks are slow to appreciate, at least in a normal market. Will we ever have a "normal" market again? Good luck
Been working in different kitchens nearly my whole life. I've seen so many good people being borderline abused.The industry breeds a toxic work environment that is glorified by modern cooking shows and somehow seen as okay. Customers don't care about you, Management doesn't care about you, all that matters is the product you're selling. If something goes wrong along the way, you bet your ass it's gonna be blamed on BOH. The pandemic has only made things worse. The food service industry is going to flatline because people are realizing it's not okay to work nightmare hours for poor pay in a high stress environment. I yolo for all the burntout coworkers I've left that have become too tired and hopeless to do anything else than be complacent to an industry that is eating them alive.
I’d never heard of the Big 5 before! $ALEX, $MATX and who else? I’m guessing $HE, $BOH, and I have no idea! That’s sector coverage in real estate, transportation, utility, and finance.
Well because their sales are going up because of drive thrus, mobile orders going to the BOH now, change in real estate people, and a host of other things I could go widely into detail on. HOWEVER, I’d prefer to B about RH. Yet again I feel like they robbed me. I just had a feeling after driving side Ways for so long it was going to pop during their last report. I happened to already be trading options as it started to slightly love ahead of the call. I have a calendar I track any earning reports I wanted to play. I’ve legit never been so darn confident about any option play and especially related to earning. I was literally going to throw it all in. BUT ROBINHOOD. They had the date down for earnings as 8/2, so that’s where it was in my calendar. However, towards the end of July it popped AH. Joke on me- robinhood didn’t list the correct earnings date. I was happy I still had two options I cashed out with over $80k profit, but will forever be upset I didn’t have the right day. I would have played the weekly and those were up over 200,000% the next day. I would have been and overnight millionaire. It’s not the millionaire part that upsets me. It’s just that I didn’t even freaking trade on RH. My options were on fidelity, but I took the date from RH and I will forever be bitter about that. [proof- the next day. ](https://imgur.com/gallery/Ziet1us) I can’t even explain the hopeless feeling of knowing your instincts were so damn right and being an idiot to not look up earnings report calendar and trust chipotle. Sorry- I know this doesn’t elaborate to OP. Just a bitter person here!
My restaurant is offering such shit wages for BOH that the last two dishwashers they hired are literally mentally handicapped. And don't get me wrong, finding work for those ppl is great, if that's what the motive was, but its really just finding someone who doesn't realize how hard they're fucking them at <8 bucks an hour
Not everyone has BOH access to do real DD, or the know-how to understand what they’d be looking at anyways. But common sense should just fucking tell you that NOT EVERYTHING CAN BE A SQUEEZE. Follow the course and stay the path and we’ll nail the bastards. Finna eat my tendies in a theatre near you.
Servers/waiters, bartenders, hosts/hostesses are front of house. Cooks, chefs, prep cooks, dishwashers are back of house. FOH and BOH. Just restaurant lingo homie. AKA the poors language.
Honest question, UI has been paying obnoxious amounts that have 100% been influencing restaurant BOH not to go back to work. I dont know a single restaurant that can find dishwashers at well above min wage and even super competitive with the obnoxious CoL that I live in. McD's has a huge fucking sign that they are hiring at $16/hr
I used to do IT support for both FOH/BOH, I quickly learned y'all have a lot more fun than we do And stress, a lot more stress, holy fuck things got intense quickly
When FOH and BOH party together you just know it’s gonna be a wild night.
I'm FOH and we're our own style of degenerates but goddamn if I don't appreciate the complete psychos in BOH
_whey_’re going to crash this truck into this BOH-LARD!