Bank of Hawaii Corporation (BOH) functions as the holding company for Bank of Hawaii, delivering a comprehensive array of financial products and ...
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$2.80 per share
Est. EPS $1.51 · Revenue $202.52M · 5 analysts
Est. EPS $1.54
Est. EPS $1.58 · Revenue $206.15M · 4 analysts
$2.80 per share
| Metric | Latest | YoYYoY means Year-over-Year. It compares the latest annual value with the previous annual value to show long-term trend strength. | QoQQoQ means Quarter-over-Quarter. It compares the latest quarter with the immediately previous quarter to show short-term momentum changes. |
|---|---|---|---|
| RevenueThe total money that came through the front door from selling things, before paying a single bill. Think of it as the grand total of every credit card swipe from customers. (YoY compares this year to last year's performance, while QoQ compares the current three months to the previous three). | $1.1B | +3.1% | +2.3% |
| Net IncomeThe absolute bottom line. If the company paid every single supplier, employee, banker, and tax collector, this is the actual money left in their pocket at the end of the day. | $205.9M | +37.3% | +11.1% |
| Gross MarginThe basic markup. If they sell a $100 pair of sneakers, this percentage tells you how much of that price tag is profit right after paying for the rubber and shoelaces, but before paying for things like store rent or TV commercials. | +65.9% | +9.3% | -0.8% |
| Operating MarginThe 'day job' efficiency score. Out of every dollar a customer spends, this shows how many cents the company keeps after making the product AND paying for all the everyday corporate overhead (like salaries, marketing, and keeping the lights on). | +24.7% | +28.4% | +7.9% |
| Net MarginThe final take-home percentage. When you strip away every conceivable cost, tax, and interest payment, this is the exact number of cents the company truly gets to keep from every dollar in sales. | +19.4% | +33.1% | +8.6% |
| Free Cash FlowThe holy grail of corporate cash. It's the spendable, physical money left over after the business pays for its daily operations AND buys the big, expensive upgrades (like new factories or servers) it needs to survive. This is the 'free' money they can use to pay dividends or buy back stock. | $184.3M | +9.2% | +550.8% |
| FCF MarginThe ultimate cash conversion rate. It shows how good the company is at turning regular sales directly into cold, hard, spendable cash. A high percentage means the business is an absolute cash-printing machine. | +17.4% | +5.9% | +536.5% |
| Debt / EquityThe financial risk gauge. It compares how much of the company's empire was built using borrowed money (loans) versus the owners' own money (shareholders). A high number means they are heavily leveraged and playing a riskier game; a low number means they are playing it safe. | 5.0% | -88.9% | +1.4% |
| Current RatioThe 12-month survival check. It simply compares the cash they have right now (plus things they can quickly turn into cash) against the immediate bills they absolutely must pay this year. A score above 1 means they have enough in the wallet to cover the upcoming bills without panicking. | 11.00x | +8027.7% | +3.0% |
| Total AssetsThe absolute size of the company's empire. It bundles together absolutely everything of value they own—from the cash in the register and the inventory in the warehouse, to the software patents in the vault and the factories on the ground. | $24.2B | +2.4% | -0.3% |
| Metric | Annual (A vs E) | Annual Surprise | Quarter (A vs E) | Quarter Surprise |
|---|---|---|---|---|
| EPS Surprise | 4.62 vs 4.59 | +0.7% | 1.48 vs 1.46 | +1.3% |
| Revenue Surprise | $1.1B vs $717.9M | +47.9% | $269.4M vs $199.5M | +35.0% |
| Date | Executive | Title | Security | Side | Shares | Price |
|---|---|---|---|---|---|---|
| Aug 4, 2026 | Abbruzzese Marco A | officer: Vice Chair | Common Stock | D | 2,441 | $81.59 |
| Aug 3, 2026 | Abbruzzese Marco A | officer: Vice Chair | Common Stock | D | 2,000 | $79.84 |
| Jul 20, 2026 | Satenberg Bradley Steven | officer: Vice Chair & CFO | Common Stock | A | 2,973 | — |
| Jul 20, 2026 | Satenberg Bradley Steven | officer: Vice Chair & CFO | Common Stock | D | 959 | $83.80 |
| Jul 20, 2026 | Satenberg Bradley Steven | officer: Vice Chair & CFO | Restricted Stock Units | D | 2,973 | — |
Operator: Good day, and thank you for standing by. Welcome to the Bank of Hawaii Corporation second quarter 2026 earnings conference call. At this time, all participants are in listen-only mode. After the speakers' presentation, there will be a question and answer session. To ask a question during the session, you will need to press star one one on your telephone and wait for your name to be announced. To withdraw your question, press star one one again. Please be advised that today's conference is being recorded. I would now like to hand the conference over to your speaker today, Chang Park, Executive Vice President, Executive Director of Financial Performance and Investor Relations. Please go ahead. Chang Park: Good morning and good afternoon. Thank you for joining us today for our second quarter 2026 earnings conference call. Joining me today is our President and CEO, Jim Polk, CFO, Brad Satenberg, Chief Risk Officer, Brad Shairson, and Manager of Investor Relations, Patricia Lam. Before we get started, I want to remind you that today's conference call will contain some forward-looking statements. While we believe our assumptions are reasonable, the actual results may differ materially from those projected. During the call today, we will be referencing a slide presentation as well as the earnings release. Both of these are available on our website, boh.com, under the investor relations link. Now I would like to turn the call over to Jim. Jim Polk: Thanks, Chang. Good morning and good afternoon, everyone, and thank you for joining us today. Bank of Hawaii delivered another solid quarter reflecting continued progress in the underlying earnings power of the franchise. For the second quarter, we reported diluted earnings per share of $1.47 and net income of $63.8 million, up 13% and 11% respectively from the prior quarter. Return on average common equity improved to 15.5%. Net interest income increased to $153.6 million, and our net interest margin expanded by four basis points to 2.78%. This marked our ninth consecutive quarter of margin expansion. The improvement reflected the continued repricing of our fixed rate assets, along with disciplined deposit pricing. Our average cost of deposits remained essentially stable at 127 basis points. The interest rate environment continues to evolve, with rates now expected to remain elevated for longer. We believe our balance sheet is well-positioned for this environment as higher rates support earning asset yields and the continued repricing of our fixed rate portfolio. At the same time, the competitive environment for deposits remains elevated as customers continue to prioritize yield, which may limit opportunities for deposit cost improvement in the near term. As we have discussed previously, the second quarter is typically a seasonally lower period for deposits at Bank of Hawaii, and this quarter followed that pattern. Average deposits declined modestly from the prior quarter. At quarter end, …
| Name | Title | Compensation | Gender | Year Born | Status |
|---|---|---|---|---|---|
Peter S. | Consultant | USD 3,379,594 | Male | 1965 | Active |
James C. Polk | President, CEO & Director | USD 1,054,144 | Male | 1967 | Active |
Bradley S. Satenberg | Vice Chair & Chief Financial Officer | USD 1,011,103 | Male | 1971 | Active |
Marco Aurelio Abbruzzese | Vice Chair & Senior Executive Director of Wealth Management | USD 945,126 | Male | 1966 | Active |
S. Bradley Shairson | Vice Chair & Chief Risk Officer | USD 941,423 | Male | 1970 | Active |
Patrick McGuirk | Vice Chair, Chief Administrative Officer, General Counsel & Corporate Secretary | USD 930,425 | Male | 1970 | Active |
Roger John Khlopin | Executive Vice President, Chief Investment Officer & Director Investment Management Services | — | Male | — | Active |
Keith Asato | Principal Accounting Officer | — | Male | 1979 | Active |
Vance H. Jones | Executive Vice President & Chief Technology Officer | — | Male | — | Active |
Melissa Torres-Laing | Senior Vice President & Director of Corporate Communications | — | Female | — | Active |
Chang Park | Manager of Investor Relations | — | Male | — | Active |
BlackRock Inc. purchased a new stake in Bank of Hawaii Corporation (NYSE: BOH) in the undefined quarter, according to the company in its most recent Form 13F filing with the Securities and Exchange Commission. The fund purchased 5,774,185 shares of the bank's stock, valued at approximately $470,538,000. BlackRock Inc. owned 14.64% of Bank
Bank of Hawaii's Q2 results benefit from higher NII, margin expansion and loan growth. However, shares plunge 4.7% as fee income and deposit balances decline.
Bank of Hawaii Corporation delivered a solid Q2, driven by robust tourism and resilient Hawaiian economic conditions. BOH reported 12.6% revenue growth, expanding net interest margins for the ninth consecutive quarter, and strong asset quality metrics. Profitability improved with return on average equity at 15.47% and an efficiency ratio of 56.47%, while nonperforming assets dropped to just 0.08% of loans.
Bank of Hawaii Corporation (BOH) Q2 2026 Earnings Call Transcript
Bank of Hawaii NYSE: BOH reported second-quarter 2026 net income of $63.8 million, or $1.47 per diluted share, as net interest income and net interest margin continued to rise. Net income increased 11% from the prior quarter, while diluted earnings per share rose 13%, President and CEO James Polk said on the company's earnings call.
