Equity Profile

BOH

Bank of Hawaii Corporation

FinancialsRegional Banks$3.1B

Jul27Mon

Pre-Earnings Brief

UpcomingQ2-2026Pre-Market9:00 AM EDT

Company Snapshot

Bank of Hawaii Corporation is a regional bank that provides a range of financial services, including personal and commercial banking, investment services, and wealth management. With a market cap of $3 billion, it plays a crucial role in the financial landscape of Hawaii, serving both individual customers and businesses in the region.

Key Metrics to Watch

Earnings Per Share (EPS)

EPS is a key indicator of the bank's profitability and financial health, which investors closely monitor.

Expected to be around $1.30.

Net Interest Margin

This metric reflects the difference between interest income generated and interest paid out, crucial for assessing the bank's efficiency.

Expected to remain stable.

1 more metrics, Wall Street expectations, options signals, track record, and call prep available with Pro.

BOH Q2-2026 Earnings Preview

Context

Company Snapshot

Earnings Scorecard·Last 8Q

EPS Beat Streak

EPS Beat Rate

63%

Avg EPS Surprise

+4.38%

Avg Stock Reaction

+2.06%

Last Quarter Recap

In Q1 2026, Bank of Hawaii reported an EPS of $1.30, slightly missing the estimate of $1.33. The stock reacted minimally, declining by 0.04% the following day.

Management Promises & Guidance

Focus on improving loan growth in the upcoming quarters.
Commitment to enhancing customer service and digital banking capabilities.
Plans to manage expenses effectively to maintain profitability.

Expectations

Wall Street Expectations

Investors are cautiously optimistic about Bank of Hawaii's upcoming earnings report, especially after a slight miss last quarter. The focus will be on whether the bank can show improvement in key metrics like EPS and loan growth.

Bull Case

If the bank exceeds EPS expectations and shows strong loan growth, it could signal a recovery in profitability and investor confidence, potentially driving the stock higher.

Bear Case

Conversely, if the bank misses expectations again, particularly in loan growth or net interest margin, it could raise concerns about its competitive position and profitability.

Key Metrics to Watch

Earnings Per Share (EPS)

Expected to be around $1.30.

EPS is a key indicator of the bank's profitability and financial health, which investors closely monitor.

Net Interest Margin

Expected to remain stable.

This metric reflects the difference between interest income generated and interest paid out, crucial for assessing the bank's efficiency.

Loan Growth

Expected to show moderate growth.

Loan growth indicates the bank's ability to expand its lending business, which is vital for revenue generation.

Expectations

Two Questions That Matter

The print will turn on these two things.

What will the EPS be for Q2-2026, and how does it compare to the previous quarter?

A strong EPS could indicate improved profitability and investor confidence, while a miss could raise concerns.

How has loan growth trended in the last quarter?

Loan growth is crucial for revenue generation, and any slowdown could signal challenges in the bank's operations.

Edge

What the Street Is Missing

Why consensus could be wrong

The Street may be underestimating the potential for loan growth, which could rebound stronger than expected due to recent economic improvements in Hawaii.

Supporting Evidence

Options pricing indicates a significant move, suggesting traders expect volatility that may not align with conservative earnings expectations.

The bank's historical performance shows a tendency to surprise on the upside, with a 63% beat rate in recent quarters.

Key Risk

If loan growth exceeds 5%, it could significantly alter the current bearish sentiment.

Edge

Thesis-Break Levels

Pre-commit to what would confirm each case.

The market is debating the bank's ability to maintain profitability and grow its loan portfolio amidst economic challenges.

Bull Confirmed If

An EPS of $1.35 or better, along with loan growth exceeding 5%, would confirm the bull case.

Bear Confirmed If

An EPS below $1.25 or negative loan growth would confirm the bear case.

Pre-Earnings Positioning

Options Market

Implied Move

±13.58%

Historical Avg

±3.4%

Pricing rich

The options market is pricing in a significant move, indicating that traders expect volatility around the earnings announcement.

Options are pricing ±13.6% while BOH has averaged ±3.4% over the last 8 prints — setup is pricing rich.

Detail

ATM IV

0.3%

30d HV

23.1%

Calls (100)P/C Ratio: 0.04Puts (0)

Edge

Historical Setup Match

Cross-company pattern from 30 similar setups.

Prior-quarter miss + options pricing rich in Financials

n=30

Fade rate: 11 of 30 (37%)

This setup has occurred 30 times across Financials in the last 2 years. 19 of 30 (63%) held or extended their move within 5 days — this setup typically holds direction. The average absolute 1-day move is 2.7%, with a raw directional average of +0.1% (roughly flat historical bias).

Preparation

Post-Print Playbook

Likely market behavior by outcome — not investment advice.

Beat & Raise

If Bank of Hawaii beats expectations, history suggests the stock could rise by about 2.14%, confirming a positive outlook.

In-Line / Cautious

If results are in line with expectations, the stock may react moderately, reflecting cautious sentiment in the market.

Miss

A miss could lead to a decline of around 1.93%, indicating investor disappointment and potential concerns about future performance.

Earnings Track Record

Preparation

What to Listen For

Call Prep

1Any updates on loan growth trends and specific sectors driving that growth.
2Management's commentary on net interest margin and how it may be impacted by economic conditions.
3Insights into customer acquisition strategies and digital banking enhancements.
4Updates on expense management initiatives and their impact on profitability.
5Any guidance on future economic outlook and its potential effects on the bank's operations.

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Company Snapshot

Key Metrics to Watch

Earnings Per Share (EPS)

EPS is a key indicator of the bank's profitability and financial health, which investors closely monitor.

Expected to be around $1.30.

Net Interest Margin

This metric reflects the difference between interest income generated and interest paid out, crucial for assessing the bank's efficiency.

Expected to remain stable.

1 more metrics, Wall Street expectations, options signals, track record, and call prep available with Pro.

BOH Q2-2026 Earnings Preview

Context

Company Snapshot

Earnings Scorecard·Last 8Q

EPS Beat Streak

EPS Beat Rate

63%

Avg EPS Surprise

+4.38%

Avg Stock Reaction

+2.06%

Last Quarter Recap

In Q1 2026, Bank of Hawaii reported an EPS of $1.30, slightly missing the estimate of $1.33. The stock reacted minimally, declining by 0.04% the following day.

Management Promises & Guidance

Focus on improving loan growth in the upcoming quarters.
Commitment to enhancing customer service and digital banking capabilities.
Plans to manage expenses effectively to maintain profitability.

Expectations

Wall Street Expectations

Bull Case

If the bank exceeds EPS expectations and shows strong loan growth, it could signal a recovery in profitability and investor confidence, potentially driving the stock higher.

Bear Case

Conversely, if the bank misses expectations again, particularly in loan growth or net interest margin, it could raise concerns about its competitive position and profitability.

Key Metrics to Watch

Earnings Per Share (EPS)

Expected to be around $1.30.

EPS is a key indicator of the bank's profitability and financial health, which investors closely monitor.

Net Interest Margin

Expected to remain stable.

This metric reflects the difference between interest income generated and interest paid out, crucial for assessing the bank's efficiency.

Loan Growth

Expected to show moderate growth.

Loan growth indicates the bank's ability to expand its lending business, which is vital for revenue generation.

Expectations

Two Questions That Matter

The print will turn on these two things.

What will the EPS be for Q2-2026, and how does it compare to the previous quarter?

A strong EPS could indicate improved profitability and investor confidence, while a miss could raise concerns.

How has loan growth trended in the last quarter?

Loan growth is crucial for revenue generation, and any slowdown could signal challenges in the bank's operations.

Edge

What the Street Is Missing

Why consensus could be wrong

The Street may be underestimating the potential for loan growth, which could rebound stronger than expected due to recent economic improvements in Hawaii.

Supporting Evidence

Options pricing indicates a significant move, suggesting traders expect volatility that may not align with conservative earnings expectations.

The bank's historical performance shows a tendency to surprise on the upside, with a 63% beat rate in recent quarters.

Key Risk

If loan growth exceeds 5%, it could significantly alter the current bearish sentiment.

Edge

Thesis-Break Levels

Pre-commit to what would confirm each case.

The market is debating the bank's ability to maintain profitability and grow its loan portfolio amidst economic challenges.

Bull Confirmed If

An EPS of $1.35 or better, along with loan growth exceeding 5%, would confirm the bull case.

Bear Confirmed If

An EPS below $1.25 or negative loan growth would confirm the bear case.

Pre-Earnings Positioning

Options Market

Implied Move

±13.58%

Historical Avg

±3.4%

Pricing rich

The options market is pricing in a significant move, indicating that traders expect volatility around the earnings announcement.

Options are pricing ±13.6% while BOH has averaged ±3.4% over the last 8 prints — setup is pricing rich.

Detail

ATM IV

0.3%

30d HV

23.1%

Calls (100)P/C Ratio: 0.04Puts (0)

Edge

Historical Setup Match

Cross-company pattern from 30 similar setups.

Prior-quarter miss + options pricing rich in Financials

n=30

Fade rate: 11 of 30 (37%)

Preparation

Post-Print Playbook

Likely market behavior by outcome — not investment advice.

Beat & Raise

If Bank of Hawaii beats expectations, history suggests the stock could rise by about 2.14%, confirming a positive outlook.

In-Line / Cautious

If results are in line with expectations, the stock may react moderately, reflecting cautious sentiment in the market.

Miss

A miss could lead to a decline of around 1.93%, indicating investor disappointment and potential concerns about future performance.

Earnings Track Record

Preparation

What to Listen For

Call Prep

1Any updates on loan growth trends and specific sectors driving that growth.
2Management's commentary on net interest margin and how it may be impacted by economic conditions.
3Insights into customer acquisition strategies and digital banking enhancements.
4Updates on expense management initiatives and their impact on profitability.
5Any guidance on future economic outlook and its potential effects on the bank's operations.