Bank of Hawaii (NYSE:BOH) Posts Earnings Results, Beats Expectations By $0.14 EPS

Bank of Hawaii (NYSE:BOH) announced its quarterly earnings data on Monday. The bank reported $1.39 EPS for the quarter, topping analysts’ consensus estimates of $1.25 by $0.14, RTT News reports. The firm had revenue of $189.65 million for the quarter, compared to the consensus estimate of $184.83 million. Bank of Hawaii had a return on equity of 14.69% and a net margin of 19.30%.During the same quarter last year, the business posted $0.85 earnings per share.

Here are the key takeaways from Bank of Hawaii’s conference call:

• Reported Q4 EPS of $1.39 (up 63% YoY) and NIM expanded 15 bps to 2.61% — management attributes gains to deposit repricing, fixed‑asset repricing and a securities repositioning.
• Non‑interest‑bearing demand deposits rose 6.6% linked‑quarter and overall deposit costs improved ~20 bps, with deposit beta improving to 31% and management expecting further cost improvement into Q1.
• Management described credit quality as pristine — NPAs 10 bps, annualized net charge‑offs $4.1m, criticized loans 2.12%, and an ACL of $146.8m (1.04% of loans); CRE and consumer pools show low LTVs and strong FICO profiles.
• Capital is healthy (Tier 1 14.5%, total risk‑based 15.5%); the bank resumed buybacks ($5m in Q4) and plans to increase repurchases to roughly $15–$20m per quarter while continuing dividends.
• Forward guidance — management expects NIM could reach near 2.90% by end‑2026, mid‑single‑digit loan growth, normalized Q1 noninterest income of $42–$43m, and 2026 noninterest expense up 3–3.5%, which will influence earnings trajectory.

Bank of Hawaii Stock Down 0.4%

Shares of Bank of Hawaii stock opened at $74.81 on Wednesday. The company has a market cap of $2.98 billion, a P/E ratio of 16.19, a PEG ratio of 0.66 and a beta of 0.75. Bank of Hawaii has a one year low of $57.44 and a one year high of $78.25. The firm has a fifty day moving average of $69.17 and a two-hundred day moving average of $66.75. The company has a debt-to-equity ratio of 0.39, a quick ratio of 0.70 and a current ratio of 0.70.

Bank of Hawaii Dividend Announcement

The company also recently disclosed a quarterly dividend, which will be paid on Friday, March 13th. Shareholders of record on Friday, February 27th will be paid a $0.70 dividend. This represents a $2.80 annualized dividend and a yield of 3.7%. The ex-dividend date of this dividend is Friday, February 27th. Bank of Hawaii’s payout ratio is currently 60.61%.

Analyst Upgrades and Downgrades

A number of brokerages have recently issued reports on BOH. Keefe, Bruyette & Woods upgraded shares of Bank of Hawaii from a “market perform” rating to an “outperform” rating and raised their price target for the stock from $75.00 to $91.00 in a report on Tuesday. DA Davidson raised their target price on Bank of Hawaii from $73.00 to $81.00 and gave the stock a “neutral” rating in a research note on Tuesday. Wall Street Zen downgraded Bank of Hawaii from a “hold” rating to a “sell” rating in a research report on Sunday, January 4th. Weiss Ratings reiterated a “hold (c)” rating on shares of Bank of Hawaii in a report on Monday, December 29th. Finally, Stephens restated an “overweight” rating on shares of Bank of Hawaii in a report on Tuesday. Two research analysts have rated the stock with a Buy rating and four have issued a Hold rating to the company’s stock. According to data from MarketBeat.com, the company has an average rating of “Hold” and an average target price of $81.80.

Insiders Place Their Bets

In other Bank of Hawaii news, CEO Peter S. Ho sold 15,000 shares of the business’s stock in a transaction that occurred on Friday, January 2nd. The stock was sold at an average price of $67.87, for a total transaction of $1,018,050.00. Following the transaction, the chief executive officer owned 156,774 shares in the company, valued at approximately $10,640,251.38. The trade was a 8.73% decrease in their position. The transaction was disclosed in a document filed with the SEC, which is accessible through the SEC website. Corporate insiders own 2.07% of the company’s stock.

Institutional Inflows and Outflows

Institutional investors and hedge funds have recently bought and sold shares of the business. Quarry LP lifted its stake in shares of Bank of Hawaii by 1,497.2% in the third quarter. Quarry LP now owns 575 shares of the bank’s stock valued at $38,000 after purchasing an additional 539 shares during the period. Strs Ohio acquired a new position in shares of Bank of Hawaii in the first quarter valued at approximately $41,000. EverSource Wealth Advisors LLC lifted its stake in shares of Bank of Hawaii by 461.3% during the 2nd quarter. EverSource Wealth Advisors LLC now owns 623 shares of the bank’s stock worth $42,000 after purchasing an additional 512 shares during the period. State of Wyoming lifted its position in Bank of Hawaii by 8,220.0% during the second quarter. State of Wyoming now owns 832 shares of the bank’s stock worth $56,000 after buying an additional 822 shares during the period. Finally, Advisory Services Network LLC purchased a new position in shares of Bank of Hawaii during the 3rd quarter worth about $63,000. Institutional investors and hedge funds own 82.18% of the company’s stock.

Key Stories Impacting Bank of Hawaii

Here are the key news stories impacting Bank of Hawaii this week:

• Positive Sentiment: Q4 earnings beat — BOH reported $1.39 EPS vs. $1.25 consensus and revenue of $189.7M, driven by higher net interest income and fee income; Zacks notes the shares jumped after the release. BOH Stock Jumps 6% as Q4 Earnings Beat
• Positive Sentiment: Strong full‑year result and profitability improvement — 2025 diluted EPS $4.63 vs. $3.46 a year earlier; net income +37% and ROE expanded, underscoring sustained margin leverage. Business Wire: Full-Year 2025 Results
• Positive Sentiment: Analyst upgrade with a high PT — Keefe, Bruyette & Woods upgraded BOH to “outperform” and set a $91 target, signaling bullish analyst conviction on continued margin expansion. Keefe Upgrade / PT
• Positive Sentiment: Dividend declared — quarterly dividend of $0.70 (annualized yield ~3.7%), ex‑dividend Feb 27, providing income support for the share price. (Company press release / filings)
• Positive Sentiment: Management outlook for margin expansion — company outlined a potential 2.90% NIM by end‑2026 as deposit remix improves margins, a key driver for future earnings. MSN: NIM Guidance
• Neutral Sentiment: Price target raises with conservative ratings — Barclays raised its PT to $83 but kept an “equal weight” rating; DA Davidson raised its PT to $81 with a “neutral” rating. These moves lift upside estimates but stop short of uniformly bullish ratings. Barclays PT Raise DA Davidson PT Raise

Bank of Hawaii Company Profile

Bank of Hawaii (NYSE: BOH) is a regional commercial bank headquartered in Honolulu, Hawaii, with roots tracing back to its founding in 1897 by Charles Montague Cooke and Peter Cushman Jones. As one of the oldest financial institutions in the U.S. West Coast region, the bank has built a reputation for stability and community focus. It operates as the principal subsidiary of Bank of Hawaii Corporation, a publicly traded company on the New York Stock Exchange.

The bank offers a comprehensive suite of personal and business banking products and services.