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Bank of Hawaii (BOH) Reports Q4 Earnings: What Key Metrics Have to Say

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Bank of Hawaii (BOH - Free Report) reported $189.65 million in revenue for the quarter ended December 2025, representing a year-over-year increase of 16.2%. EPS of $1.39 for the same period compares to $0.85 a year ago.

The reported revenue represents a surprise of +3.95% over the Zacks Consensus Estimate of $182.45 million. With the consensus EPS estimate being $1.25, the EPS surprise was +11.42%.

While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.

Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.

Here is how Bank of Hawaii performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:
  • Total Non-Performing Assets: $14.17 million compared to the $18.17 million average estimate based on two analysts.
  • Total Non-Accrual Loans and Leases: $13.88 million versus $18.05 million estimated by two analysts on average.
  • Net Interest Margin: 2.6% compared to the 2.5% average estimate based on two analysts.
  • Average Balance - Total earning assets: $22.4 billion versus the two-analyst average estimate of $22.09 billion.
  • Net charge-offs to average loans: 0.1% versus the two-analyst average estimate of 0.1%.
  • Efficiency Ratio: 57.8% versus 59.8% estimated by two analysts on average.
  • Net Interest Income (FTE): $146.9 million versus $140.21 million estimated by two analysts on average.
  • Annuity and Insurance: $1.12 million versus the two-analyst average estimate of $1.26 million.
  • Bank-Owned Life Insurance: $3.76 million compared to the $3.47 million average estimate based on two analysts.
  • Trust and Asset Management: $12.88 million versus the two-analyst average estimate of $12.12 million.
  • Mortgage Banking: $0.92 million compared to the $0.83 million average estimate based on two analysts.
  • Net Interest Income: $145.37 million versus $138.6 million estimated by two analysts on average.

View all Key Company Metrics for Bank of Hawaii here>>>

Shares of Bank of Hawaii have returned +1.2% over the past month versus the Zacks S&P 500 composite's +0.2% change. The stock currently has a Zacks Rank #2 (Buy), indicating that it could outperform the broader market in the near term.

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