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Bank of Hawaii
Bank of Hawaii (BOH) investor relations material
Bank of Hawaii Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary26 Jan, 2026
Executive summary
Diluted EPS for Q4 2025 was $1.39, up 63% year-over-year and 16% sequentially, with net income of $60.9M, driven by NIM expansion and disciplined cost management.
Return on average common equity improved to 15.03% in Q4 2025.
Share repurchases resumed in Q4 2025, with $5M in buybacks and $121M remaining under the current plan.
Loans and deposits grew modestly, with noninterest-bearing demand deposits up 6.6% sequentially.
Market share advanced 40 bps in 2025, maintaining deposit market leadership in Hawaii.
Financial highlights
Net interest margin rose to 2.61% in Q4 2025, up 15 bps sequentially and 42 bps year-over-year, marking the seventh consecutive quarter of expansion.
Net interest income for Q4 2025 was $145.4M, up 6.4% from Q3 and 21% year-over-year.
Noninterest income was $44.3M, including an $18.1M gain from merchant services sale and a $16.8M investment loss.
Noninterest expense was $109.5M, down from $112.4M sequentially, with one-time items including a $1.1M donation and a $1.4M FDIC assessment reduction.
Total revenue reached $189.6M, a 7% increase from Q3 2025 and 26.4% year-over-year.
Outlook and guidance
NIM expected to approach 2.90% by end of 2026, with continued benefit from fixed asset repricing and deposit remix.
Loan growth anticipated to move into mid-single digits in 2026, after a flat 2025.
First quarter 2026 normalized noninterest income forecasted at $42–43M; noninterest expense expected to be about $113M, with full-year expense growth of 3–3.5% from a $440–441M base.
Tax rate projected to rise to 23% in 2026 due to discrete items.
Stock repurchases expected to increase to $15–20M per quarter, with $121M remaining under the current plan.
How will floating rate asset repricing impact NIM?
What is the expected NII benefit from investment sales?
How do commercial loan trends affect asset quality?
NIM drivers beyond 2026 fixed asset repricing
What will drive loan growth to mid-single digits in 2026?
Sustain market share gains given stable market
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Next Bank of Hawaii earnings date
Q1 202620 Apr, 2026
Bank of Hawaii
Next Bank of Hawaii earnings date
Q1 202620 Apr, 2026
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Frequently asked questions
Bank of Hawaii Corporation is a bank holding company that provides financial services through its subsidiary, Bank of Hawaii. The company offers personal and commercial banking, investment management, and trust services to customers primarily in Hawaii, Guam, and other Pacific Islands. It operates a network of branches and ATMs supported by digital banking platforms. Bank of Hawaii Corporation is headquartered in Honolulu, Hawaii, and its shares are listed on the NYSE.
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