The EPS and revenue miss, combined with a sharp spike in NPAs from a single commercial loan, may pressure the stock near-term. Monitor the Q4 2026 earnings call for details on the non-accrual loan resolution and any further credit deterioration.
Price Chart
Executive Summary
Bank of Hawaii reported Q3 2026 diluted EPS of $1.49, missing the consensus estimate of $1.58 by 5.7%. Net income of $64.3M was up 0.7% linked quarter but revenue of $198.8M fell short of the $206.3M consensus. Net interest margin expanded 4 bps to 2.82% for the tenth consecutive quarter, but non-performing assets surged to $43.4M from $11.5M due to a single commercial mortgage placed on non-accrual. The board increased the share repurchase authorization by $200M to $268.7M.
Key Financial Metrics
Key Facts
- Diluted EPS of $1.49 missed consensus of $1.58 (5.7% miss).
- Revenue of $198.8M missed consensus of $206.3M.
- Net interest margin expanded 4 bps to 2.82% (tenth consecutive quarter).
- Non-performing assets jumped to $43.4M from $11.5M in the prior quarter, driven by a single commercial mortgage.
- Share repurchase program increased by $200M to $268.7M.
- Net charge-offs remained low at 0.09% annualized.
Financial Impact
EPS miss of $0.09 vs consensus; revenue miss of $7.5M; NPA increase of $31.9M linked quarter.
Risk Factors
- Credit risk from the single commercial mortgage non-accrual could signal broader portfolio issues.
- Deposit outflows (down 3.3% from Dec 2025) may pressure funding costs.
- Higher effective tax rate (23.24% vs 22.31% linked quarter) due to valuation allowance on low-income housing investments.
Market Snapshot
Investment Themes
Documents Analyzed
This report is based on 7 SEC documents filed with EDGAR.
| Document | Accession Number |
|---|---|
| 8-K Filing (Primary) | 0000046195-26-000062 |
| Exhibit: ex992-bohearningspresent.htm | 0000046195-26-000062 |
| Document: boh-20261026.htm | 0000046195-26-000062 |
| Document: 0000046195-26-000062-index-headers.html | 0000046195-26-000062 |
| Document: 0000046195-26-000062-index.html | 0000046195-26-000062 |
| Document: 0000046195-26-000062.txt | 0000046195-26-000062 |
| 8-K Data (Synthetic) | 0000046195-26-000062 |
Filters
| Type | Now | ||||
|---|---|---|---|---|---|
Oct 26, 2026 1d ago | 8-K | $70.53 $70.03 | ▲ +0.71% | ▲ +1.27% | $70.03 (+0.71%) |
Jul 27, 2026 13w ago | 8-K | $80.02 $80.07 | ▲ +0.06% | ▼ −0.18% | $70.03 (−12.48%) |
Apr 20, 2026 27w ago | 8-K | $26.37 $26.45 | ▲ +0.30% | ▲ +0.96% | $70.03 (+165.57%) |
Apr 15, 2026 27w ago | DEFA14A | $26.32 $26.24 | ▼ −0.30% | ▼ −1.52% | $70.03 (+166.07%) |
US Market Status
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