Financials·Regional Banks·$3.1B
Bank Hawaii Corp (BOH) is a regional bank that provides a range of financial services, including personal and commercial banking, investment services, and wealth management. As a key player in the financial sector, it plays an important role in supporting local businesses and consumers in Hawaii.
Earnings Per Share (EPS)
EPS is a critical indicator of the company's profitability and financial health, which investors closely watch.
Loan Growth
Loan growth reflects the bank's ability to expand its lending activities, which is essential for revenue generation.
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EPS Beat Streak
0Q
EPS Beat Rate
63%
Avg EPS Surprise
+4.38%
Avg Stock Reaction
+2.06%
In Q1-2026, Bank Hawaii reported an EPS of $1.30, slightly missing the estimate of $1.33. The stock experienced a minor decline of 0.04% the following day.
Management Promises & Guidance
Investors are cautiously optimistic about Bank Hawaii's upcoming earnings report, especially after a mixed performance in the previous quarter. The focus will be on how the bank manages its loan growth and net interest margin.
Bull Case
If Bank Hawaii shows strong loan growth and maintains or improves its net interest margin, it could signal robust demand for banking services, leading to higher profitability.
Bear Case
Conversely, if the bank reports weaker loan growth or a declining net interest margin, it may raise concerns about its ability to generate revenue in a competitive environment.
Earnings Per Share (EPS)
N/AEPS is a critical indicator of the company's profitability and financial health, which investors closely watch.
Loan Growth
N/ALoan growth reflects the bank's ability to expand its lending activities, which is essential for revenue generation.
Net Interest Margin
N/AThis metric indicates how effectively the bank is managing its interest income versus interest expenses, impacting overall profitability.
The print will turn on these two things.
Q1
What is the growth rate of the bank's loan portfolio compared to last quarter?
Loan growth is a key driver of revenue, and any significant changes could impact the bank's profitability outlook.
Q2
How has the net interest margin changed this quarter?
Net interest margin directly affects the bank's earnings, and understanding its trend will be crucial for assessing future performance.
Why consensus could be wrong
The Street may be underestimating the potential for loan growth driven by increased consumer spending in Hawaii, which could lead to better-than-expected results.
Supporting Evidence
Historical trends show that Bank Hawaii has a strong track record of loan growth during economic upswings.
The options market is pricing in a larger move than what has been realized historically, indicating potential for surprises.
Key Risk
If loan growth exceeds 5%, it could significantly shift the market's perception of the bank's growth potential.
Pre-commit to what would confirm each case.
This quarter's performance will hinge on the bank's ability to grow its loans and manage its interest income effectively.
Bull Confirmed If
Loan growth of 5% or more compared to the previous quarter, with net interest margin remaining stable or increasing.
Bear Confirmed If
Loan growth below 2% or a decline in net interest margin, indicating potential challenges ahead.
Implied Move
±12.64%
Historical Avg
±3.4%
The options market is pricing in a significant move, suggesting that investors expect volatility around the earnings announcement.
Options are pricing ±12.6% while BOH has averaged ±3.4% over the last 8 prints — setup is pricing rich.
Likely market behavior by outcome — not investment advice.
Beat & Raise
If Bank Hawaii beats expectations, history suggests the stock could rise by approximately 2.14%, confirming a positive outlook.
In-Line / Cautious
If results are in line with expectations, the stock may experience muted movement as investors await further guidance.
Miss
A miss could lead to a decline of around 1.93%, reflecting investor disappointment and concerns about future growth.
AI-powered briefs, options data, and 20 quarters of history — everything you need before earnings.
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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
NBT BANCORP INC
Jul 27, 2026