Equity Profile

BOH

Bank of Hawaii Corporation

FinancialsRegional Banks$3.2B

Jul27Mon

Pre-Earnings Brief

UpcomingQ2-2026Pre-Market9:00 AM EDT

Company Snapshot

Bank of Hawaii Corporation (BOH) is a regional bank providing 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 and the Pacific Islands, especially as consumer spending and economic conditions evolve.

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.

N/A

Net Interest Margin

This metric shows how effectively the bank is managing its interest income versus its interest expenses, crucial for profitability.

N/A

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 below the estimate of $1.33, resulting in a minor stock decline the following day. The bank's performance reflects ongoing challenges in the regional banking sector.

Management Promises & Guidance

Expectations

Wall Street Expectations

Overall expectations for Bank of Hawaii's upcoming earnings are mixed, with investors keenly watching for signs of recovery in profitability and loan growth. Given the recent EPS miss, there is cautious sentiment in the market.

Bull Case

If the bank can demonstrate strong loan growth and improved net interest margins, it may signal a rebound in profitability, leading to positive investor sentiment.

Bear Case

Conversely, if the bank reports another EPS miss or weak loan growth, it could raise concerns about its ability to navigate economic challenges, potentially leading to further stock declines.

Expectations

Two Questions That Matter

The print will turn on these two things.

What will be the reported EPS for Q2-2026?

The EPS figure will be crucial in determining whether the bank has turned a corner in profitability or if it continues to struggle.

How has loan growth performed in the last quarter?

Loan growth is a key driver of revenue for banks, and any signs of stagnation could raise red flags for investors.

Edge

What the Street Is Missing

Why consensus could be wrong

The Street may be underestimating Bank of Hawaii's ability to rebound from its recent earnings miss, particularly if loan growth exceeds expectations.

Supporting Evidence

The options market is pricing in a 13.58% move, suggesting that traders anticipate significant volatility.

Historically, the bank has a 63% beat rate, indicating a stronger-than-expected performance is possible.

Key Risk

If loan growth exceeds 5%, it could shift the narrative significantly in favor of the bulls.

Edge

Thesis-Break Levels

Pre-commit to what would confirm each case.

The market is debating whether Bank of Hawaii can recover from its recent earnings miss and show signs of growth in a challenging economic environment.

Bull Confirmed If

A reported EPS of $1.35 or higher would confirm a bullish outlook, indicating improved profitability.

Bear Confirmed If

An EPS below $1.25 would confirm bearish sentiment, suggesting ongoing challenges.

Pre-Earnings Positioning

Options Market

Implied Move

±13.58%

Historical Avg

±3.4%

Pricing rich

The options market is pricing in a significant move of approximately 13.58%, indicating heightened uncertainty ahead of the earnings report.

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 a potential average one-day move of +2.14%, confirming a positive outlook.

In-Line / Cautious

If results are in line with expectations, the stock may see muted movement as investors await further guidance.

Miss

A miss could lead to a decline, with history indicating an average one-day move of +1.93% in such scenarios.

Earnings Track Record

Preparation

What to Listen For

Call Prep

1Any updates on loan growth figures and trends in consumer lending.
2Insights into net interest margin performance and how it compares to previous quarters.
3Management's outlook on economic conditions affecting the bank's operations.
4Details on any cost-cutting measures or efficiency improvements being implemented.
5Comments on competitive pressures within the regional banking sector.

See the full picture

AI-powered briefs, options data, and 20 quarters of history — everything you need before earnings.

No charge today · Auto-bills $8/mo after 7 days · Cancel anytime

More Earnings This Week

5 Reports

Aon plc

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.

N/A

Net Interest Margin

This metric shows how effectively the bank is managing its interest income versus its interest expenses, crucial for profitability.

N/A

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

Management Promises & Guidance

Expectations

Wall Street Expectations

Bull Case

If the bank can demonstrate strong loan growth and improved net interest margins, it may signal a rebound in profitability, leading to positive investor sentiment.

Bear Case

Conversely, if the bank reports another EPS miss or weak loan growth, it could raise concerns about its ability to navigate economic challenges, potentially leading to further stock declines.

Expectations

Two Questions That Matter

The print will turn on these two things.

What will be the reported EPS for Q2-2026?

The EPS figure will be crucial in determining whether the bank has turned a corner in profitability or if it continues to struggle.

How has loan growth performed in the last quarter?

Loan growth is a key driver of revenue for banks, and any signs of stagnation could raise red flags for investors.

Edge

What the Street Is Missing

Why consensus could be wrong

The Street may be underestimating Bank of Hawaii's ability to rebound from its recent earnings miss, particularly if loan growth exceeds expectations.

Supporting Evidence

The options market is pricing in a 13.58% move, suggesting that traders anticipate significant volatility.

Historically, the bank has a 63% beat rate, indicating a stronger-than-expected performance is possible.

Key Risk

If loan growth exceeds 5%, it could shift the narrative significantly in favor of the bulls.

Edge

Thesis-Break Levels

Pre-commit to what would confirm each case.

The market is debating whether Bank of Hawaii can recover from its recent earnings miss and show signs of growth in a challenging economic environment.

Bull Confirmed If

A reported EPS of $1.35 or higher would confirm a bullish outlook, indicating improved profitability.

Bear Confirmed If

An EPS below $1.25 would confirm bearish sentiment, suggesting ongoing challenges.

Pre-Earnings Positioning

Options Market

Implied Move

±13.58%

Historical Avg

±3.4%

Pricing rich

The options market is pricing in a significant move of approximately 13.58%, indicating heightened uncertainty ahead of the earnings report.

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 a potential average one-day move of +2.14%, confirming a positive outlook.

In-Line / Cautious

If results are in line with expectations, the stock may see muted movement as investors await further guidance.

Miss

A miss could lead to a decline, with history indicating an average one-day move of +1.93% in such scenarios.

Earnings Track Record

Preparation

What to Listen For

Call Prep

1Any updates on loan growth figures and trends in consumer lending.
2Insights into net interest margin performance and how it compares to previous quarters.
3Management's outlook on economic conditions affecting the bank's operations.
4Details on any cost-cutting measures or efficiency improvements being implemented.
5Comments on competitive pressures within the regional banking sector.