Equity Profile

BOH

Bank of Hawaii Corporation

FinancialsRegional Banks$3.1B

Jul27Mon

Pre-Earnings Brief

UpcomingQ2-2026Pre-Market9:00 AM EDT

Company Snapshot

Bank of Hawaii Corporation (BOH) is a regional bank that provides financial services to individuals and businesses in Hawaii and the Pacific Islands. As a key player in the financial sector, it plays a vital role in supporting local economies and consumer spending in its markets.

Key Metrics to Watch

Earnings Per Share (EPS)

EPS is a critical measure of profitability and will indicate how well the bank is managing its operations.

N/A

Net Interest Margin

This metric reflects the difference between interest income generated and interest paid out, impacting overall 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 missing expectations of $1.33. The stock reacted modestly, declining by 0.04% the following day.

Management Promises & Guidance

Expectations

Wall Street Expectations

Investors are cautiously optimistic about Bank of Hawaii's upcoming earnings report, especially after a slight EPS miss last quarter. The focus will be on loan growth and net interest margins.

Bull Case

If the bank reports strong loan growth and maintains or improves its net interest margin, it could signal robust demand and effective management, leading to a positive stock reaction.

Bear Case

Conversely, if the bank shows weak loan growth or declining margins, it may raise concerns about its profitability and market position, potentially leading to a negative stock reaction.

Expectations

Two Questions That Matter

The print will turn on these two things.

What is the expected loan growth for this quarter?

Loan growth is a key indicator of demand and profitability, and any significant changes could impact market sentiment.

How has the net interest margin changed compared to the previous quarter?

Net interest margin directly affects profitability, and any decline could raise concerns about the bank's financial health.

Edge

What the Street Is Missing

Why consensus could be wrong

The Street may be underestimating the potential for loan growth due to recent economic trends that favor lending, particularly in regional markets.

Supporting Evidence

Options are pricing a 13.58% move, indicating expectations of significant volatility.

The bank has historically shown resilience in maintaining margins even during economic fluctuations.

Key Risk

If loan growth exceeds 5%, it could shift the narrative significantly, leading to a reevaluation of the bank's growth prospects.

Edge

Thesis-Break Levels

Pre-commit to what would confirm each case.

This quarter's performance will hinge on loan growth and net interest margins, which are critical for profitability.

Bull Confirmed If

Loan growth of over 5% quarter-over-quarter would confirm the bull case.

Bear Confirmed If

A decline in net interest margin below 3% would confirm the bear case.

Pre-Earnings Positioning

Options Market

Implied Move

±13.58%

Historical Avg

±3.4%

Pricing rich

The options market is pricing in a significant move, indicating that investors expect volatility around 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 BOH beats expectations, history suggests a potential stock increase of about 2.14%, confirming strong operational performance.

In-Line / Cautious

If results are in line but management provides cautious commentary, the stock may experience muted movement as investors reassess future growth.

Miss

If the bank misses expectations, history suggests a potential decline of about 1.93%, reflecting concerns over profitability.

Earnings Track Record

Preparation

What to Listen For

Call Prep

1Any updates on loan growth figures compared to last quarter.
2Details on net interest margin and how it compares to previous quarters.
3Management's outlook on economic conditions affecting lending.
4Insights into any new products or services that could drive future growth.
5Comments on competitive pressures in the regional banking sector.

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More Earnings This Week

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Company Snapshot

Key Metrics to Watch

Earnings Per Share (EPS)

EPS is a critical measure of profitability and will indicate how well the bank is managing its operations.

N/A

Net Interest Margin

This metric reflects the difference between interest income generated and interest paid out, impacting overall 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 missing expectations of $1.33. The stock reacted modestly, declining by 0.04% the following day.

Management Promises & Guidance

Expectations

Wall Street Expectations

Investors are cautiously optimistic about Bank of Hawaii's upcoming earnings report, especially after a slight EPS miss last quarter. The focus will be on loan growth and net interest margins.

Bull Case

If the bank reports strong loan growth and maintains or improves its net interest margin, it could signal robust demand and effective management, leading to a positive stock reaction.

Bear Case

Conversely, if the bank shows weak loan growth or declining margins, it may raise concerns about its profitability and market position, potentially leading to a negative stock reaction.

Expectations

Two Questions That Matter

The print will turn on these two things.

What is the expected loan growth for this quarter?

Loan growth is a key indicator of demand and profitability, and any significant changes could impact market sentiment.

How has the net interest margin changed compared to the previous quarter?

Net interest margin directly affects profitability, and any decline could raise concerns about the bank's financial health.

Edge

What the Street Is Missing

Why consensus could be wrong

The Street may be underestimating the potential for loan growth due to recent economic trends that favor lending, particularly in regional markets.

Supporting Evidence

Options are pricing a 13.58% move, indicating expectations of significant volatility.

The bank has historically shown resilience in maintaining margins even during economic fluctuations.

Key Risk

If loan growth exceeds 5%, it could shift the narrative significantly, leading to a reevaluation of the bank's growth prospects.

Edge

Thesis-Break Levels

Pre-commit to what would confirm each case.

This quarter's performance will hinge on loan growth and net interest margins, which are critical for profitability.

Bull Confirmed If

Loan growth of over 5% quarter-over-quarter would confirm the bull case.

Bear Confirmed If

A decline in net interest margin below 3% would confirm the bear case.

Pre-Earnings Positioning

Options Market

Implied Move

±13.58%

Historical Avg

±3.4%

Pricing rich

The options market is pricing in a significant move, indicating that investors expect volatility around 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 BOH beats expectations, history suggests a potential stock increase of about 2.14%, confirming strong operational performance.

In-Line / Cautious

If results are in line but management provides cautious commentary, the stock may experience muted movement as investors reassess future growth.

Miss

If the bank misses expectations, history suggests a potential decline of about 1.93%, reflecting concerns over profitability.

Earnings Track Record

Preparation

What to Listen For

Call Prep

1Any updates on loan growth figures compared to last quarter.
2Details on net interest margin and how it compares to previous quarters.
3Management's outlook on economic conditions affecting lending.
4Insights into any new products or services that could drive future growth.
5Comments on competitive pressures in the regional banking sector.