Bank of Hawaii (BOH)
NYSEFinancialsBanks - RegionalSnapshot 2026-09-04
$77.19+0.70%
Close 2026-09-04 · 1-day change
NYSEFinancialsBanks - RegionalSnapshot 2026-09-04
QuarterlyIQ Insights · BOH
What must go right, what could break, what the price assumes, and what evidence comes next.
The current health of the standing investment case.
Recent financial performance is still in the top half of its industry but slipped notably this past month — worth watching.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | 10.8% |
| Our one-year growth estimate | diamond | -4.1% |
Growth built into the price is above our model estimate.
The price assumes 14.9 percentage points more one-year growth.
The one-year revenue growth assumption on Valuation.
For each item: what to watch, what would become a concern, and what would make it less concerning.
A reporting-risk estimate, not a forecast of the stock-price response.
Model as of 2026-09-04 · Compared with 219 industry peers
BOH — earnings miss
Dated 2026-04-20
Results of Operations and Financial Condition. On April 20, 2026, Bank of Hawaii Corporation announced its results of operations for the quarter ended March 31, 2026. The public announcement was made by means of a press release, the text of which is furnished as Exhibit 99.1 hereto and incorporated herein by reference.
Why it matters: Slower growth may show problems in keeping profits. This could lower investor confidence.
Worry ifNet income growth reported below 5% YoY in the next earnings report.
Less concerning ifNet income growth remains at or above 5% YoY, showing strong performance.
Why it matters: A big drop in noninterest income may mean issues with fee services. This raises concerns about revenue variety.
Worry ifNoninterest income reported down more than 10% from Q1.
Less concerning ifNoninterest income remains stable or grows in Q2.
Why it matters: Weak loan growth could signal reduced demand or credit quality issues.
Worry ifTotal loans and leases grow less than 1% in Q2.
Less concerning ifTotal loans and leases grow by 1% or more in Q2.
Why it matters: A smooth transition in leadership can maintain stability and investor confidence. It is crucial for the bank's future direction.
Supportive ifJames C. Polk officially takes over as CEO on April 1, 2026, with no disruptions reported.
Worry ifThere may be leadership problems during the transition period.
Why it matters: Good asset quality shows the bank manages risk well. It gives stakeholders confidence about credit risk.
Watch forNon-performing assets as a part of total loans and leases stay under 0.09%.
Also watch forNon-performing assets as a part of total loans and leases go over 0.09%.
Why it matters: The dividend payout shows the bank cares about its shareholders. It shows financial stability.
Supportive ifThe dividend is paid as scheduled at $0.70 per share on August 31, 2026.
Worry ifThe dividend is cut or stopped. This shows possible financial problems.
Why it matters: Keeping the dividend shows the company is stable. It also shows management believes in future earnings.
Supportive ifThe dividend remains at $0.70 per share for Q3 2026.
Worry ifThe dividend drops below $0.70 per share in Q3 2026.
Why it matters: New leadership can bring changes that impact the bank's direction. This will be key for future growth.
Watch forCEO James Polk announced new plans. These plans align with growth goals.
Also watch forNo new plans were announced. This suggests things will stay the same.
Why it matters: Slow growth in noninterest income may mean issues in businesses that earn fees.
Worry ifNoninterest income growth in Q3 2026 is less than 5% compared to Q2 2026.
Less concerning ifNoninterest income growth in Q3 2026 is 5% or more compared to Q2 2026.
Why it matters: Sustained net income growth shows the bank's ability to manage its finances well. It reflects ongoing execution of its growth strategy.
Supportive ifNet income for Q3 2026 exceeds $63.8 million, continuing the upward trend.
Worry ifNet income for Q3 2026 is below $63.8 million. This shows possible problems.
Why it matters: The successful transition to James C. Polk as CEO is crucial for stability. It impacts investor confidence and company direction.
Watch forJames C. Polk leads the company well. Financial performance stays the same or gets better after the transition.
Also watch forLeadership issues or lower performance can occur after the change.
Why it matters: Noninterest income helps a company make money. A recovery means more fee income.
Supportive ifNoninterest income for Q2 2026 rises from $41.3 million in Q1 2026.
Worry ifNoninterest income for Q2 2026 falls from $41.3 million, showing ongoing weakness.
Why it matters: A big drop in net income could mean problems with making money and growing.
Worry ifQ2 net income down year over year worse than 5%.
Less concerning ifQ2 net income remains stable or grows year over year.
Why it matters: If it drops below this level, profits may weaken. This could hurt net income growth.
Worry ifNet interest margin may be below 2.75% in the next earnings report.
Less concerning ifNet interest margin stays at or above 2.75%. This shows profits are still strong.
Why it matters: Strong net income growth signals effective management and healthy financial performance. It shows the bank is executing its growth strategy well.
Supportive ifNet income for Q3 exceeds $70.2 million, which is a 10% increase from Q2.
Worry ifNet income for Q3 is below $63.8 million, indicating a decline or stagnation.
Why it matters: Keeping the dividend shows the company is stable. It also shows they care about shareholders. This means management believes they will earn more money in the future.
Supportive ifThe company declares a dividend of $0.70 per share for Q3, consistent with prior quarters.
Worry ifIf the dividend falls below $0.70 per share, it may mean financial trouble.
Why it matters: A stable or rising net interest margin shows good asset management. It shows the bank can handle interest income and costs well.
Supportive ifNet interest margin for Q3 is above 2.75%. This shows strong financial health.
Worry ifIf the net interest margin drops below 2.70%, it may mean issues with interest income.
We watch for confirming and disproving signals on each item. Resolutions are found automatically where possible and checked by hand for unclear cases. Last 90 days shown.
Historical relationships that met the evidence threshold. They do not prove cause or forecast a move.
Usually moved in the same direction.
Price observations: 365 days
Most sensitive to the broad stock market.
Based on historical daily prices through 2026-09-04.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
A larger daily loss that occurred about once in every 20 trading days.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$84 on $10,000 · ±0.8% | How much price usually moves either way. |
| Bad day | $234 loss on $10,000 · 2.3% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $1,309 loss on $10,000 · 13.1% | Deepest peak-to-trough drop in the last year. |
Past year. 1.00 means similar movement; 1.20 means about 20% more.
Past year. 1.00 means similar movement to the sector. This is secondary context.
Latest 30 trading days, shown as an annual percentage.
Latest 252 trading days, shown as an annual percentage.
20-trading-day average in US dollars.
Trading days used by the source risk snapshot.
Past results, not a forecast. Not investment advice.
Use the underlying financial and sector pages to investigate the cause.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.