Equity Profile

BOH

Bank of Hawaii Corporation

FinancialsRegional Banks$3.2B

Jul27Mon

Pre-Earnings Brief

UpcomingQ2-2026Pre-Market9:00 AM EDT

Company Snapshot

Bank of Hawaii Corporation (BOH) is a regional bank that provides a range of financial services, including personal and commercial banking. With a market cap of $3 billion, it plays a crucial role in supporting local businesses and communities in Hawaii, making it significant in the financial sector.

Key Metrics to Watch

Earnings Per Share (EPS)

EPS is a key indicator of the bank's profitability and efficiency in managing its operations.

N/A

Net Interest Margin

This metric reflects the difference between interest income generated and interest paid out, crucial for understanding the bank's 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 the last quarter, Bank of 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

Expectations

Wall Street Expectations

Investors are cautiously optimistic about Bank of Hawaii's upcoming earnings, especially following a mixed performance in the last quarter. The focus will be on whether the bank can improve its profitability metrics and loan growth.

Bull Case

If the bank reports strong loan growth and improved net interest margins, it could signal a robust recovery and attract more investors.

Bear Case

Conversely, if the bank fails to show significant improvement in key metrics, it may lead to further declines in stock price as investor confidence wanes.

Expectations

Two Questions That Matter

The print will turn on these two things.

What is the expected loan growth rate for the upcoming quarter?

Loan growth is a critical indicator of the bank's ability to generate income and reflects the overall health of the lending environment.

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

Changes in net interest margin can significantly impact profitability, and investors will be looking for any signs of improvement.

Edge

What the Street Is Missing

Why consensus could be wrong

The market may be underestimating the potential for loan growth as economic conditions improve, which could drive profitability higher than expected.

Supporting Evidence

The options market is pricing in a 13.58% move, indicating expectations of volatility that may not align with the actual performance.

Historical data shows that the bank has a 63% beat rate, suggesting a better-than-expected performance is possible.

Key Risk

If loan growth exceeds 5%, it could significantly shift market sentiment towards a more bullish outlook.

Edge

Thesis-Break Levels

Pre-commit to what would confirm each case.

The core debate this quarter revolves around the bank's ability to grow loans while maintaining healthy profit margins in a competitive environment.

Bull Confirmed If

A loan growth rate exceeding 5% would confirm a strong demand for credit and a positive outlook.

Bear Confirmed If

If net interest margin declines below 2.5%, it would indicate pressure on profitability.

Pre-Earnings Positioning

Options Market

Implied Move

±13.58%

Historical Avg

±3.4%

Pricing rich

The options market is pricing in a significant move, suggesting 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 Bank of Hawaii beats expectations, history suggests a potential average one-day move of +2.14%, confirming a bullish outlook.

In-Line / Cautious

An in-line report may lead to a muted reaction, with the stock possibly moving sideways as investors await further clarity.

Miss

A miss could result in a decline, with history indicating an average one-day move of +1.93% when expectations are not met.

Earnings Track Record

Preparation

What to Listen For

Call Prep

1Any updates on loan growth projections for the upcoming quarter.
2Details on changes to net interest margin and how it compares to previous quarters.
3Management's outlook on economic conditions affecting lending.
4Insights into any new initiatives to drive customer engagement and retention.
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 key indicator of the bank's profitability and efficiency in managing its operations.

N/A

Net Interest Margin

This metric reflects the difference between interest income generated and interest paid out, crucial for understanding the bank's 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 the last quarter, Bank of 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

Expectations

Wall Street Expectations

Bull Case

If the bank reports strong loan growth and improved net interest margins, it could signal a robust recovery and attract more investors.

Bear Case

Conversely, if the bank fails to show significant improvement in key metrics, it may lead to further declines in stock price as investor confidence wanes.

Expectations

Two Questions That Matter

The print will turn on these two things.

What is the expected loan growth rate for the upcoming quarter?

Loan growth is a critical indicator of the bank's ability to generate income and reflects the overall health of the lending environment.

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

Changes in net interest margin can significantly impact profitability, and investors will be looking for any signs of improvement.

Edge

What the Street Is Missing

Why consensus could be wrong

The market may be underestimating the potential for loan growth as economic conditions improve, which could drive profitability higher than expected.

Supporting Evidence

The options market is pricing in a 13.58% move, indicating expectations of volatility that may not align with the actual performance.

Historical data shows that the bank has a 63% beat rate, suggesting a better-than-expected performance is possible.

Key Risk

If loan growth exceeds 5%, it could significantly shift market sentiment towards a more bullish outlook.

Edge

Thesis-Break Levels

Pre-commit to what would confirm each case.

The core debate this quarter revolves around the bank's ability to grow loans while maintaining healthy profit margins in a competitive environment.

Bull Confirmed If

A loan growth rate exceeding 5% would confirm a strong demand for credit and a positive outlook.

Bear Confirmed If

If net interest margin declines below 2.5%, it would indicate pressure on profitability.

Pre-Earnings Positioning

Options Market

Implied Move

±13.58%

Historical Avg

±3.4%

Pricing rich

The options market is pricing in a significant move, suggesting 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 Bank of Hawaii beats expectations, history suggests a potential average one-day move of +2.14%, confirming a bullish outlook.

In-Line / Cautious

An in-line report may lead to a muted reaction, with the stock possibly moving sideways as investors await further clarity.

Miss

A miss could result in a decline, with history indicating an average one-day move of +1.93% when expectations are not met.

Earnings Track Record

Preparation

What to Listen For

Call Prep

1Any updates on loan growth projections for the upcoming quarter.
2Details on changes to net interest margin and how it compares to previous quarters.
3Management's outlook on economic conditions affecting lending.
4Insights into any new initiatives to drive customer engagement and retention.
5Comments on competitive pressures in the regional banking sector.