The earnings call highlighted strong earnings growth, stable credit performance, and a resilient Hawaii market. However, challenges include flat commercial loan growth, declining deposits, and a decrease in noninterest income. Overall, the positives and negatives are relatively balanced.

Company Guidance -

Q3 2025

During the Bank of Hawaii's second quarter 2025 earnings call, management provided several key financial metrics and strategic insights. Earnings per share increased for the fourth consecutive quarter, while net interest income and net interest margin expanded for the fifth consecutive quarter, thanks to a strategic deposit remix and fixed asset yield accretion. The bank maintained a strong credit profile, with net charge-offs at 7 basis points and nonperforming assets at 13 basis points. Capital ratios were robust, with Tier 1 capital at 14.2% and ROCE at 12.5%. Credit quality remained strong, with a 93% concentration in Hawaii, and the loan portfolio was 56% consumer and 44% commercial. The management also highlighted stable deposit costs and a favorable environment for continued margin improvement, projecting a potential net interest margin of 250 basis points by year-end. The bank maintained its expense growth forecast at 2% to 3% for the year, despite a severance-related charge in the quarter. Overall, the bank's strategic focus on a unique market position and disciplined credit and cost management were emphasized as key factors driving performance.

Earnings Growth

Earnings per share advanced for the fourth consecutive quarter. Net interest income and net interest margin expanded for the fifth consecutive quarter. Net income was $47.6 million with a diluted EPS of $1.06, an increase of $3.7 million and $0.09 per common share compared to the linked quarter.

Strong Credit Performance

Credit metrics remained stable, with net charge-offs at $2.6 million and nonperforming assets up just 1 basis point from the linked quarter. The loan portfolio is 93% Hawaii-based with strong credit performance over the years and a high average FICO score.

Stable Deposit Costs

The cost of deposits remained stable at 160 basis points compared to the linked quarter and declined by 21 basis points compared to the same period last year. Deposit mix shift has moderated.

Hawaii Market Resilience

Visitor expenditures in Hawaii are up 6.5% year-to-date and arrivals up 2.8% through May. Residential real estate remains stable with single-family home prices rising modestly.

Bank Of Hawaii (BOH) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

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BOH Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Oct 27, 2025	2025 (Q3)	1.18 / -	0.93	―	―	―
Jul 28, 2025	2025 (Q2)	1.06 / 1.06	0.81	30.86% (+0.25)
Apr 21, 2025	2025 (Q1)	0.89 / 0.97	0.87	11.49% (+0.10)
Jan 27, 2025	2024 (Q4)	0.84 / 0.85	1.01	-15.84% (-0.16)
Oct 28, 2024	2024 (Q3)	0.82 / 0.93	1.17	-20.51% (-0.24)
Jul 22, 2024	2024 (Q2)	0.87 / 0.81	1.12	-27.68% (-0.31)
Apr 22, 2024	2024 (Q1)	0.88 / 0.87	1.14	-23.68% (-0.27)
Jan 22, 2024	2023 (Q4)	1.00 / 1.01	1.5	-32.67% (-0.49)
Oct 23, 2023	2023 (Q3)	0.96 / 1.17	1.28	-8.59% (-0.11)
Jul 24, 2023	2023 (Q2)	1.11 / 1.12	1.38	-18.84% (-0.26)

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
Jul 28, 2025	$65.69	$62.87	-4.29%
Apr 21, 2025	$64.34	$63.71	-0.98%
Jan 27, 2025	$69.68	$72.66	+4.28%
Oct 28, 2024	$64.14	$70.30	+9.60%

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 (BOH) report earnings?

Bank Of Hawaii (BOH) is schdueled to report earning on Oct 27, 2025, Before Open (Confirmed).

What is Bank Of Hawaii (BOH) earnings time?

Bank Of Hawaii (BOH) earnings time is at Oct 27, 2025, Before Open (Confirmed).

Where can I see when companies are reporting earnings?

You can see which companies are reporting today on our designated earnings calendar.

What companies are reporting earnings today?

You can see a list of the companies which are reporting today on TipRanks earnings calendar.

What is BOH EPS forecast?

BOH EPS forecast for the fiscal quarter 2025 (Q3) is 1.18.

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