Filing Flows › Bank of Hawaii (BOH) › Q3 2026 › vs Q3 2025
Bank of Hawaii (BOH) Q3 2026 vs Q3 2025 (year over year)
Bank of Hawaii's revenue rose $16.1M (+9%) from $183M in Q3 2025 to $199M in Q3 2026. The biggest changes: Net interest income +$19.4M (+14%); Noninterest income −$3.3M (-7%). Operating margin 42.1% against 37.1% (+5.0 pts).
Bank of Hawaii, Q3 2026: revenue $199M (+9% year over year), operating margin 42.1%, net earnings $64.3M, operating cash flow $99.0M. The chart draws each line against Q3 2025, the increases inside each band.
Margins
| Q3 2026 | Q3 2025 | Change | |
|---|---|---|---|
| Operating margin | 42.1% | 37.1% | +5.0 pts |
| Net margin | 32.3% | 29.2% | +3.1 pts |
| Free cash flow margin | 46.8% | 16.3% | +30.5 pts |
Every line
| Line | Q3 2026 | Q3 2025 | Change | % |
|---|---|---|---|---|
| Net interest income | $156M | $137M | $19.4M | +14% |
| Noninterest income | $42.7M | $46.0M | −$3.3M | -7% |
| Revenue | $199M | $183M | $16.1M | +9% |
| Operating profit | $83.7M | $67.8M | $16.0M | +24% |
| Costs & expenses | $115M | $115M | $167K | +0.1% |
| Pre-tax earnings | $83.7M | $67.8M | $16.0M | +24% |
| Credit loss provision | $2.8M | $2.5M | $250K | +10% |
| Noninterest expense | $112M | $112M | −$83K | -0.1% |
| Net earnings | $64.3M | $53.3M | $10.9M | +20% |
| Income tax | $19.4M | $14.4M | $5.0M | +35% |
| Depreciation & amortization | $7.3M | $7.7M | −$464K | -6% |
| Share-based compensation | $3.1M | $4.2M | −$1.1M | -27% |
| Working capital & other | $24.4M | −$26.7M | $51.1M | — |
| Operating cash flow | $99.0M | $38.5M | $60.5M | +157% |
| Free cash flow (OCF − capex) | $93.0M | $29.8M | $63.2M | +212% |
| Capital expenditures | $6.0M | $8.7M | −$2.7M | -31% |
Questions
How much did Bank of Hawaii's revenue grow year over year in Q3 2026?
Bank of Hawaii's revenue rose $16.1M (+9%) from $183M in Q3 2025 to $199M in Q3 2026.
What drove Bank of Hawaii's revenue change in Q3 2026?
Net interest income +$19.4M (+14%); Noninterest income −$3.3M (-7%).