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Dec 31, 2025
Bank of Hawaii Q4 2025 Earnings Report
Bank of Hawaii posted a solid fourth quarter with higher earnings and resumed share repurchases.
Key Takeaways
Bank of Hawaii delivered a strong Q4 performance, with EPS rising to $1.39 and net income reaching $60.9 million. Net interest margin improved for the seventh consecutive quarter, and the bank resumed share repurchases after a pause. Asset quality remained robust with low non-performing asset ratios.
Revenue by Segment
Revenue by Geographic Location
Forward Guidance
The company expects to continue its disciplined expense management, maintain strong credit quality, and benefit from net interest margin tailwinds amid stabilizing rate environments.
Positive Outlook
- Net interest margin improved for the 7th straight quarter
- Strong deposit growth, especially noninterest-bearing
- Share repurchase program resumed in Q4
- Credit quality remains strong with low non-performing assets
- Capital ratios increased due to retained earnings
Challenges Ahead
- Noninterest income decreased due to investment losses
- Loan growth remained modest, flat YoY
- Expense pressures from higher salaries and benefits
- Decline in loan yields from floating rate repricing
Historical Earnings Impact
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Avg. Return Before/After Earnings
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