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Bank Of Hawaii Corp. (BOH)
NYSE:BOH
Earnings Data
Report Date
Apr 27, 2026Before Open (Confirmed)
Period Ending
2026 (Q1)Consensus EPS Forecast
1.34Last Year’s EPS
0.97Same Quarter Last Year
Based on 6 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call conveyed a largely positive operational and financial picture: robust EPS and net interest margin expansion, improved funding costs, disciplined credit with low losses, strong capital and resumed buybacks. Headwinds include modest increases in early-stage delinquencies and criticized loans, a small decline in ACL coverage, one-time noninterest income/expense items, and still-modest loan growth. On balance, highlights outweigh the lowlights.Company Guidance
Strong Earnings and EPS Growth
Net income of $60.9M and diluted EPS of $1.39, up 63% year-over-year and 16% sequentially.
Net Interest Margin Expansion
NIM expanded for the seventh consecutive quarter, rising 15 basis points in the quarter (reported at 2.61%) with a December/spot read of ~2.67%; management expects NIM could approach ~2.90% in 2026.
Net Interest Income and Drivers
NII expansion was $8.7M in the quarter (largest gain in the seven-quarter stretch), driven by fixed-asset repricing, a $200M securities repositioning, and favorable deposit remix.
Deposit and Funding Improvements
Noninterest-bearing demand deposits grew 6.6% sequentially; interest-bearing deposit costs improved ~20 bps and total cost of funds improved ~16 bps; deposit beta improved from 28% to 31% and spot deposit rate was 1.3% (13 bps lower than quarter average).
Balance Sheet Actions
Remixed $659M of fixed-rate loans and investments from a 4% roll-off into a 5.8% roll-on; CDs average cost declined 22 bps to 3.18% and ~52% of CDs maturing in next 3 months have an avg rate of 3.1% expected to renew at ~2.25%-3%.
Resilient Credit Portfolio and Asset Quality
Portfolio concentrated in core markets (93% Hawaii); consumer loans ~57% (~$8B) with 86% residential/home equity (Wtd avg LTV 48%, Wtd avg FICO 799); commercial $6.1B (43%) with CRE $4.2B (30%) and CRE Wtd avg LTVs below 60% and only 1.6% of CRE >80% LTV.
Low Losses and Stable Reserves
Net charge-offs were $4.1M (12 bps annualized); nonperforming assets declined to 10 bps; allowance for credit losses ended at $146.8M (ACL/loans = 1.04%).
Capital, Shareholder Returns, and Buybacks
Tier 1 capital 14.5% and total risk-based capital 15.5% (both above well-capitalized thresholds); dividends paid ($28M common, $5.3M preferred); resumed buybacks with ~$5M repurchased in Q4 at $65 avg and $121M remaining under plan (management expects to increase repurchases).
Operating Efficiency and Expense Guidance
Noninterest expense declined to $109.5M from $112.4M sequentially (quarter included certain nonrecurring items); management expects 2026 expenses to increase ~3.0%-3.5% vs normalized 2025 and Q1 normalized noninterest expense ~ $113M.
Wealth and Fee Income Momentum
Noninterest income was $44.3M (flat after adjusting for one-offs); wealth fees showing positive traction with quarter-over-quarter fee growth and management expecting continued momentum toward prior longer-term targets.
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 |
|---|---|---|---|
Jan 26, 2026 | $70.80 | $75.11 | +6.09% |
Oct 27, 2025 | $63.23 | $63.39 | +0.27% |
Jul 28, 2025 | $64.33 | $61.57 | -4.29% |
Apr 21, 2025 | $63.01 | $62.40 | -0.97% |
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 Apr 27, 2026, Before Open (Confirmed).
What is Bank Of Hawaii Corp. (BOH) earnings time?
Bank Of Hawaii Corp. (BOH) earnings time is at Apr 27, 2026, 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 2026 (Q1) is 1.34.