Bank Of Hawaii Corp. (BOH)
NYSE:BOH
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Earnings Data
Report Date
Jul 27, 2026Before Open (Confirmed)
Period Ending
2026 (Q2)Consensus EPS Forecast
1.46Last Year’s EPS
1.06Same Quarter Last Year
Moderate Buy
Based on 5 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call presented a generally constructive operating performance: NIM and NII momentum, improving deposit costs, strong credit metrics, solid capital levels, and tangible progress in strategic initiatives (wealth and hedging). Offsetting items included higher seasonal and one-time operating expenses that pressured reported EPS, a modest decline in noninterest income, moderated loan growth guidance to low-single digits, and near-term storm-related credit uncertainty. On balance the company emphasized durable fundamentals and defensive balance-sheet positioning while acknowledging a few controllable and macro-driven headwinds.Company Guidance
Consistent Net Interest Income and Margin Expansion
Net interest margin (NIM) increased 13 basis points in Q1 (eighth consecutive quarter of NIM expansion) and NII grew by $5.6 million despite two fewer days in the quarter. Management reiterated a year-end NIM target of ~2.9% and noted fixed-asset repricing contributed meaningfully (remixed $643 million from ~4.0% to 5.6% yields), with a mechanical contribution of ~5 bps per quarter (~20 bps/year).
Deposit Cost Reduction and Healthy Deposit Dynamics
Average cost of total deposits declined 17 basis points to 1.26% with a deposit beta of 36% (above prior target of 35%). Cost of CDs fell 29 basis points to 2.89% (spot CD rate 2.8%); over 50% of CDs mature in next 3 months at an average rate of 2.91% expected to renew ~2.25%–3.0%. Average noninterest-bearing deposits increased by $84 million versus the linked quarter.
Strong Capital Position and Shareholder Returns
Capital ratios remained well above regulatory thresholds (Tier 1 = 14.4%, total risk-based = 15.4%). Board declared a $0.70 per share common dividend; paid $28 million common dividends and $5.3 million preferreds in Q1. Repurchased ~$15 million of common shares in Q1 and plans an additional $15–20 million in Q2; $106 million remains available under repurchase authorization.
Excellent Credit Quality Metrics
Net charge-offs were only $1.1 million (annualized ~3 bps), down 9 bps linked quarter and 10 bps year-over-year. Nonperforming assets declined to 9 bps (down 1 bps linked / 3 bps YoY). Allowance for credit losses (ACL) totaled $147 million, representing 1.04% of loans (coverage ratio unchanged). Consumer underwriting strong: residential/HE wtd avg LTV 48% and FICO ~798; commercial CRE wtd avg LTVs <60% and <3% of CRE >80% LTV.
Hedging and Balance Sheet Positioning
Finished the quarter with an active pay-fixed / receive-float swap portfolio of $1.2 billion (weighted avg fixed rate 3.3%, avg life 1.5 years) and $400 million of forward-starting swaps. Fixed-to-float ratio at 59%, positioning the bank defensively for rate moves.
Progress in Wealth Management and Strategic Initiatives
Ongoing wealth efforts: repapered Bankoh Advisors (early positive results seen in Feb/Mar), partnership with Cetera, and opened a Center for Family Business and Entrepreneurs to drive future fee growth. Management expects meaningful wealth results to build over time (notably into 2027) and early pipeline momentum in valuations and M&A advisory.
Expense Outlook and Improved Forecasting
Q1 noninterest expense included known seasonal and nonrecurring items. Management lowered its forecasted annual overhead growth to 2.5%–3.0% (0.5% lower than prior guide) and expects quarterly FDIC assessment to be ~$3.2 million, supporting better expense control going forward.
BOH Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
BOH Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
Apr 20, 2026 | $80.09 | $80.06 | -0.04% |
Jan 26, 2026 | $70.17 | $74.44 | +6.09% |
Oct 27, 2025 | $62.66 | $62.83 | +0.27% |
Jul 28, 2025 | $63.76 | $61.02 | -4.29% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
FAQ
When does Bank Of Hawaii Corp. (BOH) report earnings?
Bank Of Hawaii Corp. (BOH) is schdueled to report earning on Jul 27, 2026, Before Open (Confirmed).
What is Bank Of Hawaii Corp. (BOH) earnings time?
Bank Of Hawaii Corp. (BOH) earnings time is at Jul 27, 2026, Before Open (Confirmed).
Where can I see when companies are reporting earnings?
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What companies are reporting earnings today?
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What is BOH EPS forecast?
BOH EPS forecast for the fiscal quarter 2026 (Q2) is 1.46.