Expectations trend
FY2027 · fiscal year ending 2027-12-31 · fmp
Bank of Hawaii (BOH)
NYSEFinancialsBanks - RegionalSnapshot 2026-11-04
$69.94-1.77%
Close 2026-11-05 · 1-day change
NYSEFinancialsBanks - RegionalSnapshot 2026-11-04
The long-term thesis, the evidence coming in, and the environment around it. Thesis dated Jul 8, 2026.
Next-FY EPS estimate change · 30 days
6.66 → 6.58 EPS · FY ending Dec 31, 2027 · 6 analysts
One observable signal. This measures changing earnings expectations, not the probability of a gain or loss.
Change in the same fiscal period’s mean EPS estimate from Oct 5, 2026 to Nov 4, 2026: (new ÷ prior − 1). Contributor count changed from 6 to 6; this is not the number of analysts revising. The ±10% axis is a display range.
The EPS and P/E reference is not available for BOH yet.
| Measure / period | Management expectations | Analyst expectations |
|---|
Management figures unavailable.
Current consensus figures unavailable.
4 published thesis conditions, with dated milestones shown separately.
| Key Factor | Why It Matters | Current Status | Break Condition | Latest Evidence |
|---|---|---|---|---|
Maintain dividend payout at $0.7 per share | The dividend stays steady at $0.7 per share, supporting shareholder returns. | Intact | dividend per share falls below $0.7 in any quarter | Dividend per share: $0.70 per share FY2026-Q3; GAAP. Published target: >= $0.7 dividend per share next 4 quarters. Target period is not explicitly aligned with this observation. Oct 26, 20260.7 USD/share · source valueLast status assessment Nov 4, 2026Compare required operating outcomesCompare scope, accounting basis and period before treating this evidence as progress against an annual requirement. |
Compare these dated observations with the operating requirements above
FY2027 · fiscal year ending 2027-12-31 · fmp
The evidence, the remaining questions, and what comes next
No recovery evidence is reported in the available driver assessments.
Observed price history; separate from operating scenarios
The weekly editorial context below is a separate assessment from the dated monitor evidence above. Recovery observations do not automatically change the published thesis. Unverified outside influences are hypotheses, not measured driver evidence.
BOH is a financial-sector business with a mixed, execution-sensitive long-term thesis rather than a clear turnaround or high-growth story. The thesis is currently intact, with recent financial performance in the top half of its industry, though earnings quality is flagged as fragile.
The valuation signal is neutral: BOH trades at a 1.25 premium versus peers, while the expectations gap is modestly negative and the overall priced-in tag is justified. This suggests the market’s assumptions are broadly aligned with the evidence, not that substantial weakness or unusually strong execution is fully priced in.
In the near term, management’s focus on margins and earnings has some support: net interest margin and net income rose slightly from the second to the third quarter of 2026. Expense discipline showed limited progress, and non-performing assets increased, mainly because one commercial mortgage was placed on non-accrual. The recent earnings miss and a run of misses raise execution risk, although the estimated miss risk is low.
The multi-year view depends on whether BOH can sustain margin and earnings progress while controlling expenses and keeping credit quality sound. Near-term guidance cuts would be a meaningful negative, while rate cuts could weigh on the financial sector. Continued strong results and higher guidance from sector bellwethers would support sector momentum.
The 1-to-3-year thesis remains intact, but evidence of durable execution is still needed given fragile earnings quality and the latest miss. Not investment advice.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
| Analysts expect EPS near $6 for fiscal 2026, signaling stable profits. |
| Improving |
| EPS falls below $5.5 in fiscal 2026 |
Diluted EPS: $1.49 per share FY2026-Q3; GAAP. Published target: >= $6.01 EPS for fiscal 2026. Reported actuals cannot certify a consensus target without an explicit period and accounting-basis binding. Oct 26, 20261.49 USD/share · source valueLast status assessment Nov 4, 2026Compare required operating outcomesCompare scope, accounting basis and period before treating this evidence as progress against an annual requirement. |
Net income growth to at least $57.43M by 2026-Q1 | Bank of Hawaii grows net income from $44M to $57M in one year. | Intact | net income falls below $43.99M in any quarter after 2026-Q1 | Net income: $64.258M FY2026-Q3; GAAP. Published target: >= $57.43M net income by 2026-Q1. The stored target says 2026-Q1; this source reports FY2026-Q3. Fiscal/calendar alignment needs review. Oct 26, 202664,258,000 USD · source valueLast status assessment Nov 4, 2026Compare required operating outcomesCompare scope, accounting basis and period before treating this evidence as progress against an annual requirement. |
Operating income improvement to at least $74.5M by 2026-Q1 | Operating income rose from $56M to $74M, showing efficiency gains. | Intact | operating income falls below $56.16M in any quarter after 2026-Q1 | Operating income: $83.706M FY2026-Q3; GAAP. Published target: >= $74.5M operating income by 2026-Q1. The stored target says 2026-Q1; this source reports FY2026-Q3. Fiscal/calendar alignment needs review. Oct 26, 202683,706,000 USD · source valueLast status assessment Nov 4, 2026Compare required operating outcomesCompare scope, accounting basis and period before treating this evidence as progress against an annual requirement. |
Stored thesis · Jul 8, 2026. Latest Evidence uses source-matched measurements where available, alongside the last thesis-monitor assessment. Source periods and assessment dates are shown separately. A new measurement does not automatically change the published status or verify an older target.
$6.87 → $6.58 · observed estimates
$0.87B → $0.85B · observed estimates
One fiscal period and provider throughout. At least five contributors are required for each plotted metric; missing coverage stays a gap. Axes show the observed range. Counts measure coverage, not revisions.
| Snapshot | EPS | Revenue | EPS / revenue analysts |
|---|---|---|---|
| 2026-07-24 | $6.87 | $870,419,250 | 7 / 4 |
| 2026-07-25 | $6.87 | $870,419,250 | 7 / 4 |
| 2026-07-26 | $6.87 | $870,419,250 | 7 / 4 |
| 2026-07-27 | $6.87 | $870,419,250 | 7 / 4 |
| 2026-07-28 | $6.87 | $870,419,250 | 7 / 4 |
| 2026-07-29 | $6.79 | $863,716,750 | 7 / 4 |
| 2026-07-30 | $6.79 | $863,716,750 | 7 / 4 |
| 2026-07-31 | $6.79 | $863,716,750 | 7 / 4 |
| 2026-08-01 | $6.82 | $849,755,000 | 5 / 3 |
| 2026-08-02 | $6.78 | $860,141,750 | 7 / 4 |
| 2026-08-03 | $6.78 | $860,141,750 | 7 / 4 |
| 2026-08-04 | $6.78 | $860,141,750 | 7 / 4 |
| 2026-08-05 | $6.68 | $854,735,400 | 7 / 5 |
| 2026-08-06 | $6.68 | $854,735,400 | 7 / 5 |
| 2026-08-07 | $6.78 | $847,670,000 | 5 / 3 |
| 2026-08-08 | $6.78 | $847,670,000 | 5 / 3 |
| 2026-08-09 | $6.68 | $854,735,400 | 7 / 5 |
| 2026-08-10 | $6.68 | $854,735,400 | 7 / 5 |
| 2026-08-11 | $6.78 | $847,670,000 | 5 / 3 |
| 2026-08-12 | $6.68 | $854,735,400 | 7 / 5 |
| 2026-08-13 | $6.78 | $847,670,000 | 5 / 3 |
| 2026-08-14 | $6.78 | $847,670,000 | 5 / 3 |
| 2026-08-15 | $6.78 | $847,670,000 | 5 / 3 |
| 2026-08-16 | $6.78 | $847,670,000 | 5 / 3 |
| 2026-08-17 | $6.78 | $847,670,000 | 5 / 3 |
| 2026-08-18 | $6.78 | $847,670,000 | 5 / 3 |
| 2026-08-19 | $6.78 | $847,670,000 | 5 / 3 |
| 2026-08-20 | $6.69 | $854,735,400 | 5 / 4 |
| 2026-08-21 | $6.69 | $854,735,400 | 5 / 4 |
| 2026-08-22 | $6.69 | $854,735,400 | 5 / 4 |
| 2026-08-23 | $6.69 | $854,735,400 | 5 / 4 |
| 2026-08-24 | $6.69 | $854,735,400 | 5 / 4 |
| 2026-08-25 | $6.69 | $854,735,400 | 5 / 4 |
| 2026-08-26 | $6.69 | $854,735,400 | 5 / 4 |
| 2026-08-27 | $6.69 | $854,735,400 | 5 / 4 |
| 2026-08-28 | $6.69 | $854,735,400 | 5 / 4 |
| 2026-08-29 | $6.69 | $854,735,400 | 5 / 4 |
| 2026-08-30 | $6.69 | $854,735,400 | 5 / 4 |
| 2026-08-31 | $6.69 | $854,735,400 | 5 / 4 |
| 2026-09-01 | $6.69 | $854,735,400 | 5 / 4 |
| 2026-09-02 | $6.69 | $854,735,400 | 5 / 4 |
| 2026-09-03 | $6.69 | $854,735,400 | 5 / 4 |
| 2026-09-04 | $6.69 | $854,735,400 | 5 / 4 |
| 2026-09-05 | $6.69 | $854,735,400 | 5 / 4 |
| 2026-09-06 | $6.69 | $854,735,400 | 5 / 4 |
| 2026-09-07 | $6.69 | $854,735,400 | 5 / 4 |
| 2026-09-08 | $6.69 | $854,735,400 | 5 / 4 |
| 2026-09-09 | $6.69 | $854,735,400 | 5 / 4 |
| 2026-09-10 | $6.69 | $854,735,400 | 5 / 4 |
| 2026-09-11 | $6.69 | $854,735,400 | 5 / 4 |
| 2026-09-12 | $6.69 | $854,735,400 | 5 / 4 |
| 2026-09-13 | $6.69 | $854,735,400 | 5 / 4 |
| 2026-09-14 | $6.69 | $854,735,400 | 5 / 4 |
| 2026-09-15 | $6.69 | $854,735,400 | 5 / 4 |
| 2026-09-16 | $6.69 | $854,735,400 | 5 / 4 |
| 2026-09-17 | $6.69 | $854,735,400 | 5 / 4 |
| 2026-09-18 | $6.69 | $854,735,400 | 5 / 4 |
| 2026-09-19 | $6.69 | $854,735,400 | 5 / 4 |
| 2026-09-20 | $6.69 | $854,735,400 | 5 / 4 |
| 2026-09-21 | $6.69 | $854,735,400 | 5 / 4 |
| 2026-09-22 | $6.69 | $854,735,400 | 5 / 4 |
| 2026-09-23 | $6.66 | $852,808,600 | 5 / 4 |
| 2026-09-24 | $6.66 | $852,808,600 | 5 / 4 |
| 2026-09-25 | $6.66 | $852,808,600 | 6 / 4 |
| 2026-09-26 | $6.66 | $852,808,600 | 6 / 4 |
| 2026-09-27 | $6.66 | $852,808,600 | 6 / 4 |
| 2026-09-28 | $6.66 | $852,808,600 | 6 / 4 |
| 2026-09-29 | $6.66 | $852,808,600 | 6 / 4 |
| 2026-09-30 | $6.66 | $852,808,600 | 6 / 4 |
| 2026-10-01 | $6.66 | $852,808,600 | 6 / 4 |
| 2026-10-02 | $6.66 | $852,808,600 | 6 / 4 |
| 2026-10-03 | $6.66 | $852,808,600 | 6 / 4 |
| 2026-10-04 | $6.66 | $852,808,600 | 6 / 4 |
| 2026-10-05 | $6.66 | $852,808,600 | 6 / 4 |
| 2026-10-06 | $6.66 | $852,808,600 | 6 / 4 |
| 2026-10-07 | $6.66 | $852,808,600 | 6 / 4 |
| 2026-10-08 | $6.64 | $852,808,600 | 6 / 4 |
| 2026-10-09 | $6.61 | $852,808,600 | 6 / 4 |
| 2026-10-10 | $6.61 | $852,808,600 | 6 / 4 |
| 2026-10-11 | $6.61 | $852,808,600 | 6 / 4 |
| 2026-10-12 | $6.61 | $852,808,600 | 6 / 4 |
| 2026-10-13 | $6.61 | $852,808,600 | 6 / 4 |
| 2026-10-14 | $6.61 | $852,808,600 | 6 / 4 |
| 2026-10-15 | $6.61 | $852,808,600 | 6 / 4 |
| 2026-10-16 | $6.61 | $852,808,600 | 6 / 4 |
| 2026-10-17 | $6.61 | $852,808,600 | 6 / 4 |
| 2026-10-18 | $6.61 | $852,808,600 | 6 / 4 |
| 2026-10-19 | $6.61 | $852,808,600 | 6 / 4 |
| 2026-10-20 | $6.61 | $852,808,600 | 6 / 4 |
| 2026-10-21 | $6.61 | $852,808,600 | 6 / 4 |
| 2026-10-22 | $6.61 | $852,808,600 | 6 / 4 |
| 2026-10-23 | $6.61 | $852,808,600 | 6 / 4 |
| 2026-10-24 | $6.61 | $852,808,600 | 6 / 4 |
| 2026-10-25 | $6.61 | $852,808,600 | 6 / 4 |
| 2026-10-26 | $6.61 | $852,808,600 | 6 / 4 |
| 2026-10-27 | $6.61 | $852,808,600 | 6 / 4 |
| 2026-10-28 | $6.56 | $847,526,600 | 6 / 4 |
| 2026-10-29 | $6.56 | $847,526,600 | 6 / 4 |
| 2026-10-30 | $6.56 | $847,526,600 | 6 / 4 |
| 2026-10-31 | $6.56 | $847,526,600 | 6 / 4 |
| 2026-11-01 | $6.56 | $847,526,600 | 6 / 4 |
| 2026-11-02 | $6.56 | $847,526,600 | 6 / 4 |
| 2026-11-03 | $6.57 | $847,994,800 | 5 / 4 |
| 2026-11-04 | $6.58 | $847,994,800 | 6 / 4 |
Revenue and EPS estimates track expectations. They are not delivered results or like-for-like proof of a required annual path.
Latest: 0 Buy / Strong Buy · 6 Hold · 1 Sell / Strong Sell
Recent actions · Oct 6–Nov 4 · 3 recorded
Individual price-target observations are unavailable.
0 raises · 0 cuts · 0 unchanged · 0 without a comparable prior
Oct 6, 2026–Nov 4, 2026. Each firm's latest positive target is paired only with its immediately prior positive target from the same provider, at most 180 days earlier. Unmatched observations have one dot; conflicting observations are not compared.
Next earnings date unavailable
Look for updated results and guidance against the published targets, plus direct evidence for unresolved drivers.
Review earnings4 of 4 published conditions remain under pressure or need verification. The next results need to address those conditions.
The dated weekly assessment and its assumptions are available in Read detailed Outlook.