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Bank of Hawaii (BOH) Reports Q3 Earnings: What Key Metrics Have to Say

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Bank of Hawaii (BOH - Free Report) reported $200.11 million in revenue for the quarter ended September 2026, representing a year-over-year increase of 9.6%. EPS of $1.49 for the same period compares to $1.20 a year ago.

The reported revenue represents a surprise of -1.51% over the Zacks Consensus Estimate of $203.16 million. With the consensus EPS estimate being $1.52, the EPS surprise was -1.97%.

While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.

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:
  • Net Loans and Leases Charged-Off to Average Loans and Leases Outstanding (annualized): 0.1% versus 0.1% estimated by four analysts on average.
  • Net Interest Margin: 2.8% versus the four-analyst average estimate of 2.8%.
  • Efficiency Ratio: 56.5% versus the four-analyst average estimate of 55.8%.
  • Average Balance - Total earning assets: $22.24 billion compared to the $22.25 billion average estimate based on three analysts.
  • Total Non-Performing Assets: $43.41 million versus the three-analyst average estimate of $13.61 million.
  • Total Non-Accrual Loans and Leases: $43.24 million compared to the $13.33 million average estimate based on three analysts.
  • Tier 1 Capital Ratio: 14.4% compared to the 14.6% average estimate based on two analysts.
  • Tier 1 Leverage Ratio: 8.8% versus 8.9% estimated by two analysts on average.
  • Total Capital Ratio: 15.4% compared to the 15.7% average estimate based on two analysts.
  • Service Charges on Deposit Accounts: $9.05 million versus $8.52 million estimated by four analysts on average.
  • Mortgage Banking: $0.91 million compared to the $0.86 million average estimate based on four analysts.
  • Net Interest Income (FTE): $157.4 million versus $159.5 million estimated by four analysts on average.

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

Shares of Bank of Hawaii have returned -1.5% over the past month versus the Zacks S&P 500 composite's -1.2% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.

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