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Bank of Hawaii (BOH) earnings and revenue breakdown

Latest: Q3 2026 · 10-Q filed Oct 26, 2026 · Bank of Hawaii (BOH) Q3 2026 earnings results →

Q3 2026 Revenue up 9% year over year to $199M · 32¢ of every $1 of revenue kept as net profit · operating margin 42.1%

Bank of Hawaii made $199M in Q3 2026 (+9% Y/Y): Net interest income $156M, Noninterest income $42.7M. Operating margin 42.1%, net earnings $64.3M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Oct 26, 2026.

Revenue$199M
Year over year+9%
Operating margin42.1%
Net earnings$64.3M
Operating cash flow$99.0M

Drawing the Sankey…

Open the interactive Sankey → click any line for what the company wrote about it, compare Y/Y and Q/Q, export as PNG or PDF

What changed this quarter

Revenue was $198.8M in Q3 2026, up 9% year over year and up 1% from the previous quarter. Net interest income was the largest line at 79% of revenue. Net interest income added $19.4M year over year (up 14%), 120% of the total change. Noninterest income declined 7%.

Operating profit was $83.7M, a 42.1% margin (up 5.0 points year over year). Of the extra revenue versus a year earlier, 99% reached operating profit, above the 37% margin then. Total costs grew 0% against revenue growth of 9%. The fastest-growing cost line was Credit loss provision (+10%). Net earnings were $64.3M, up 20% year over year. The effective tax rate was 23.2%.

Operating cash flow was $99.0M (up 157% year over year), 154% of net earnings. Non-cash charges added back $7.3M of depreciation and amortization and $3.1M of share-based compensation. Working capital and other items added $24.4M. Capital expenditures of $6.0M left free cash flow of $93.0M.

Quarterly history

QuarterFormFiledRevenueY/YOp. marginNet earningsOp. cash flow
Q3 202610-QOct 26, 2026$199M+9%42.1%$64.3M$99.0M

Charts

Bank of Hawaii: where the cash came from (+) and went (−), TTM to Q3 2026Bank of Hawaii: where the cash came from (+) and went (−), TTM to Q3 2026Other financing−$632MCash drawn (+) / kept (−)$543MOperating cash flow$315MOther investing−$309MNet borrowing (+) / repaid (−)$295MDividends−$112MBuybacks−$57.3MCapital spending−$47.6MShares issued$4.9M
From the cash-flow statement as filed (SEC XBRL). Cash is fungible: the bars do not say which dollar paid for what.
Bank of Hawaii: profit against cash, quarter by quarterBank of Hawaii: profit against cash, quarter by quarterNet incomeOperating cash flow$39.2M$90.2MQ4 2024$44.0M$18.3MQ1 2025$47.6M$81.7MQ2 2025$53.3M$38.5MQ3 2025$60.9M$79.8MQ4 2025$57.4M$39.0MQ1 2026$63.8M$97.4MQ2 2026$64.3M$99.0MQ3 2026
Latest (Q3 2026): Net income $64.3M, Operating cash flow $99.0M.
Bank of Hawaii: diluted shares by fiscal yearBank of Hawaii: diluted shares by fiscal year40MFY202040MFY202140MFY202239MFY202340MFY202440MFY2025
+0.1% since FY2020: more shares outstanding (issuance, stock pay).
Bank of Hawaii: long-term debt falling due (FY2025)Bank of Hawaii: long-term debt falling due (FY2025)$50.0M2026$400M2027$100M2028
Cash $947M, short-term investments —, long-term debt $550M at 2025-12-31.
Bank of Hawaii in its industry: growth against margin (133 companies, SIC 6022)Bank of Hawaii in its industry: growth against margin (133 companies, SIC 6022)revenue growth, year over year →↑ operating marginmedian +9%median 40%BNYSTTFITBMTBFCNCAALLYCFGNTRSWALBPOPEWBCWTFCCOLBSSBCBSHASBHWCAUBGBCIUBSIABCBHTHHOMBUCBRNSTFBPCATYFIBKCUBIFHBIBOCMBINSBCFCVBFBUSEEFSCOFGLOBFBKFFINSFBSMCHBCCBFBNCGABCBYSYBTPEBOTCBKOBKSTBAFMBHRBCAACNOBAMALMCBQCRHOSBCFMNBBFSTUVSPTMPCCNEMSBIHBTEQBKCTBICPFTHFFMPBSBSIMBWMLKFNIBCPEGBNSPFIWASHCCBGCOFSCWBCHBIAACNBGSBCFSBCTRSTCIVBFCBCMCBSFBIZINBKBWBCBANMVBFBSRRCZNCCFFIRBBISTRUNTYBWFGBMRCRRBIPCBFCBMCHMGCZFSNWFLWTBAMYFWAVBHOPBKUSCBFCCOEBMTCOSOFXNCPKBKISBAPEBKBPRNBRBSHNVRMNSBFVCBCCFNSBFGJMSBBOTJNWPPFUSBAUBNJUVFBOH (+9%, 42%)
State Commercial Banks; dot size is quarterly revenue; dashed lines are the industry's medians.

Interactive views

The same charts as the app — open one to draw it.

💵Where each $1 goesinteractive

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🌏Named in Asian annual reportsinteractive

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🔄Rotation against the market and its industry (RRG)interactive

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🔍Earnings qualityinteractive

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⚖️Fair value by methodinteractive

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🔭Outlook & guidanceinteractive

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📈Investments: gains and what it boughtinteractive

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🏭Its industry’s money flow (input-output)interactive

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About Bank of Hawaii

Bank of Hawaii Corporation (“Bank of Hawai‘i Corporation” or the “Parent”) is a Delaware corporation and a bank holding company (“BHC”) headquartered in Honolulu, Hawai‘i. The Parent’s principal operating wholly-owned subsidiary, Bank of Hawai‘i (“Bank of Hawaiʻi” or the “Bank”), was organized on December 17, 1897, and is chartered by the State of Hawai‘i. The Bank’s deposits are insured by the Federal Deposit Insurance Corporation (the “FDIC”) and the Bank is a member of the Federal Reserve System. The Bank, directly and through its subsidiaries, provides a broad range of financial products and services primarily to customers in Hawaiʻi, Guam, and other Pacific Islands. References to “we,” “our,” “us,” or “the Company” refer to the Parent and its subsidiaries and are consolidated for financial reporting purposes.

In its own words, from its 10-K, filed Feb 24, 2026.

Bank of Hawaii against its State Commercial Banks peers

The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: +9% against the peers' median +10%. Operating margin: 42.1% against the peers' median 34.7%.

CompanyQuarterRevenueY/YOp. margin
BOH Bank of HawaiiQ3 2026$199M+9%42.1%
BNY Bank of New York MellonQ3 2026$5.7B+12%38.5%
STT State StreetQ3 2026$4.0B+13%34.7%
FITB Fifth Third BancorpQ3 2026$3.3B+42%33.8%
MTB M&T BankQ3 2026$2.5B+0.9%39.7%
FCNCA First Citizens BancsharesQ3 2026$2.4B0%33.1%
ALLY Ally FinancialQ3 2026$2.3B+8%24.3%
CFG Citizens Financial GroupQ3 2026$2.3B+10%34.6%
NTRS Northern TrustQ3 2026$2.3B+13%34.7%

Source: Bank of Hawaii 10-Q on SEC EDGAR · CIK 46195 · State Commercial Banks

13F: who owns BOH and who is buying

Largest holders of BOH (13F)Largest holders of BOH (13F)BlackRock$471MVanguard Group$312MVanguard Portfolio Management LLC$207MState Street$197MKayne Anderson Rudnick Investment…$149MVanguard Capital Management LLC$145MCapital International Investors$108MAmerican Century Companies$99.0MDimensional Fund Advisors LP$98.5MGeode Capital Management, LLC$82.3M
Funds' net buying of BOH by quarter (13F)Funds' net buying of BOH by quarter (13F)$32.1M2024-09−$29.6M2024-12−$2.5M2025-03$37.0M2025-06$2.2M2025-09−$11.1M2025-12$98.5M2026-03$55.0M2026-06
Value of shares 13F filers added minus the value they sold, each quarter (quarters with most filings in).

More on BOH

History

Every quarter: Q3 2026 results

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中文版：Bank of Hawaii（BOH）财报

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