NYSE$BOH

Bank of Hawaii Corp · Q3 2025 earnings

Q3 2025 earnings · · Before market open · Investor relations

Briefing

Bank of Hawaii reported Q3 2025, revenue of $198M, net income of $53.3M, diluted EPS of $1.20.

For Q3 2025, Bank of Hawaii reported revenue of $198M, net income of $53.3M, diluted EPS was $1.20. The filing discusses segment trends, liquidity, and management outlook for upcoming periods.

  • Revenue $198M.
  • Net income $53.3M.
  • Diluted EPS $1.20.

Headline financials

Total Revenue

$183M

Previous: $163M+12.2%
EPS (adj)

$1.20

Previous: $0.93+29.0%
Efficiency Ratio

61.5%

Previous: 65.8%-6.5%
ROA

0.9%

No prior period
ROE

13.6%

No prior period
Tier 1 Capital Ratio

14.3%

Previous: 14.1%+2.1%
Total Deposits

$21.1B

No prior period
Loans and Leases

$14B

No prior period
Capital Expenditures

-$25.8M

Previous: -$12.5M-106.9%
Net Income

$53.3M

Previous: $40.4M+32.2%
Operating Income

$67.8M

Previous: $17.4M+289.1%

Revenue & EPS history

Bank of Hawaii · Revenue · Quarterly

$183M

Q3 2025+12.2%vs Q3 2024
Beat estimate in 8 of 15 quarters(53%)
ActualEstimate

Revenue by segment

Bank of Hawaii · $203M total across 3 segments · Q2 2023

  • Consumer Banking
    $132M
  • Commercial Banking
    $61.6M
  • Treasury & Other
    $9.61M

Forward guidance

The release discusses Bank of Hawaii's outlook, capital allocation, and key risks for upcoming quarters, including guidance ranges or operating priorities where disclosed.

Tailwinds

  • Net interest income and credit quality support the regional banking outlook.
  • Bank of Hawaii cites demand and execution supporting the near-term outlook.
  • Liquidity and balance-sheet capacity support operations and shareholder returns.

Headwinds

  • Macro, input costs, and FX may pressure margins quarter to quarter.
  • Segment mix and one-time items can affect comparability versus prior periods.
  • Deposit costs and credit normalization can pressure margins.

Historical earnings impact

How earnings announcements have historically affected this stock's price.

Avg. return before/after earnings

Based on 20 quarterly earnings reports · overlaid with Q3 2025

Historical avgQ3 2025

+0.0%

Avg return

Earnings day

+0.5%

Avg return

5 days after

+2.0%

Avg return

30 days after

51%

35 / 69 earnings

Positive

+10.2%

Q3 2024

Best reaction

-6.4%

Q3 2010

Worst reaction

Earnings price reactions
QuarterReport dateReaction (Day 0)+5 days+30 days
Q1 2026-0.8%-3.8%-2.6%
Q4 2025+6.3%+5.6%+10.5%
Q3 2025+0.4%+1.6%+3.9%
Q2 2025-0.3%-2.0%+1.4%
Q1 2025-1.0%+1.4%+3.7%
Q4 2024+4.3%+4.8%-0.2%
Q3 2024+10.2%+9.6%+21.7%
Q2 2024+1.6%+2.7%-4.0%
Q1 2024-0.3%+0.4%-0.3%
Q4 2023-5.4%-5.0%-10.0%
Q3 2023+5.3%+6.3%+21.7%
Q2 2023+2.1%+6.4%-0.8%
Q1 2023-2.1%-0.8%-18.8%
Q4 2022-4.9%-3.7%-5.2%
Q3 2022-5.4%-0.3%+7.8%
Q2 2022+2.1%+4.1%+4.3%
Q1 2022-1.6%-4.3%-0.1%
Q4 2021+0.7%-2.1%-1.7%
Q3 2021+1.6%-2.3%+0.4%
Q2 2021+2.1%+1.9%+3.4%
Q1 2021+1.0%-0.0%-1.8%
Q4 2020-3.9%-7.0%+11.1%
Q3 2020-4.4%-2.5%+27.6%
Q2 2020-3.8%-4.3%-5.4%
Q1 2020+3.8%+6.7%+5.8%
Q4 2019+0.8%-2.5%-12.2%
Q3 2019+1.6%+1.7%+4.6%
Q2 2019+1.5%+4.1%+0.7%
Q1 2019+0.7%+2.5%-1.5%
Q4 2018+2.8%+2.1%+7.3%
Q3 2018+0.3%+1.1%+3.7%
Q2 2018-1.8%-3.2%+0.1%
Q1 2018+1.5%+1.5%+2.7%
Q4 2017-0.9%-1.6%-2.8%
Q3 2017-2.9%-2.4%-5.8%
Q2 2017+4.7%+1.9%-2.8%
Q1 2017+1.7%+0.4%-2.7%
Q4 2016-0.2%-0.1%-3.3%
Q3 2016+0.7%+0.6%+16.0%
Q2 2016+2.1%+0.4%+2.7%
Q1 2016+2.6%
Q4 2015+0.8%
Q3 2015-2.9%
Q2 2015+0.9%
Q1 2015-3.0%
Q4 2014+0.7%
Q3 2014+1.5%
Q2 2014+1.4%
Q1 2014-0.0%
Q4 2013-0.2%
Q3 2013+2.5%
Q2 2013+2.4%
Q1 2013-3.5%
Q4 2012+0.4%
Q3 2012+0.5%
Q2 2012-0.9%
Q1 2012-0.3%
Q4 2010-1.0%
Q4 2011-1.0%
Q3 2011-0.8%
Q2 2011-0.8%
Q1 2010-1.7%
Q1 2011+0.6%
Q4 2008-0.6%
Q4 2009-0.6%
Q3 2009-6.4%
Q3 2010-6.4%
Q2 2009-1.7%
Q2 2010-1.7%

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