The earnings call reflects a solid performance with consecutive improvements in earnings and margins, strong credit performance, and robust capital ratios. However, it was tempered by challenges in commercial loan growth, deposit fluctuations, and C&I lending. The overall sentiment is cautiously optimistic with a need to address specific growth challenges.

Company Guidance -

Q3 2025

During the Bank of Hawaii's second-quarter 2025 earnings call, guidance was provided with a focus on several key metrics. The bank's earnings per share (EPS) increased for the fourth consecutive quarter, and both net interest income (NII) and net interest margin (NIM) expanded for the fifth consecutive quarter. The bank's capital improved to 14.2% on a Tier 1 basis, and return on common equity (ROCE) was at 12.5%. The bank has been successful in managing its deposit mix, maintaining stable overall deposit levels, and reducing the cost of interest-bearing deposits. A notable achievement was the cash flow from fixed/variable assets, which rolled off at a 4% rate and rolled on at a 6.3% rate. Additionally, the bank reported a net income of $47.6 million and a diluted EPS of $1.06, with noninterest income increasing to $44.8 million. Noninterest expenses were slightly up, including a severance-related charge of $1.4 million, with a forecasted increase of 2% to 3% for the year. The allowance for credit losses (ACL) ended at $148.5 million, and the effective tax rate was 21.2%. The bank's capital priorities included maintaining a hold on share buybacks and focusing on building demand deposit accounts (DDAs) for higher margins.

Earnings and Margin Growth

Earnings per share advanced for the fourth consecutive quarter. Net interest income and net interest margin expanded for the fifth consecutive quarter, indicating a positive trend in financial performance.

Strong Credit Performance

The loan portfolio remains strong with net charge-offs at just $2.6 million, down from the previous quarter. Nonperforming assets are stable, and the allowance for credit losses increased slightly, reflecting effective credit risk management.

Improved Capital Ratios

Capital ratios improved with Tier 1 capital at 14.2% and total risk-based capital at 15.2%, indicating strong capitalization.

Local Market Strength

The Hawaii employment picture continues to outperform the broader U.S. economy. Visitor expenditures are up 6.5% year-to-date, and residential real estate remains stable.

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 Corp. (BOH) report earnings?

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

What is Bank Of Hawaii Corp. (BOH) earnings time?

Bank Of Hawaii Corp. (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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