Revenue: As of FY2025 Q4, the actual value is USD 271.57 M.EPS: As of FY2025 Q4, the actual value is USD 1.39, beating the estimate of USD 1.3174.EBIT: As of FY2025 Q4, the actual value is USD -67.75 M.<h4>Net Income</h4>Bank of Hawaii Corporation (夏威夷银行) reported a net income of $60.9 million for the fourth quarter of 2025, marking a 14.2% increase from the linked quarter and a 55.6% increase from the same period last year . For the full year 2025, net income reached $205.9 million, an increase of 37.3% from the previous year . Net income available to common shareholders was $55.7 million in the fourth quarter of 2025, up from $48.1 million in 3Q 2025 and $33.9 million in 4Q 2024 .<h4>Segment Revenue</h4>Net Interest IncomeNet interest income for the fourth quarter of 2025 was $145.4 million, an increase of 6.4% from the linked quarter and 21.0% from the same period last year . For the full year 2025, net interest income was $537,539 thousand, compared to $466,580 thousand in 2024 . Quarterly net interest income was $136.7 million in 3Q 2025 and $120.2 million in 4Q 2024 .Noninterest IncomeNoninterest income for the fourth quarter of 2025 was $44.3 million, representing a 3.7% decrease from the linked quarter but a 2.8% increase from the same period last year . This figure included an $18.1 million gain from the sale of the merchant services portfolio, a - $16.8 million loss on the sale of investments, and a - $0.8 million charge related to a Visa Class B share conversion ratio change . Adjusted for these items, noninterest income remained flat from the linked quarter and increased by 3.1% from the same period last year . Total noninterest income for the full year 2025 was $179,090 thousand, up from $172,529 thousand in 2024 . Quarterly noninterest income was $46.0 million in 3Q 2025 and $43.0 million in 4Q 2024 .Total RevenueTotal revenue for the fourth quarter of 2025 was $189.6 million, up from $182.6 million in 3Q 2025 and $163.2 million in 4Q 2024 .<h4>Operating Costs</h4>Noninterest expense was $109.5 million in the fourth quarter of 2025, a 2.6% decrease from the linked quarter and a 1.5% increase from the same period last year . This quarter’s expenses included a $1.4 million reduction in the FDIC special assessment charge and a $1.1 million donation to the Bank of Hawai‘i Foundation . The linked quarter had a $2.1 million severance-related charge . Adjusted noninterest expense increased by 1.6% from the linked quarter and 3.9% from the same period last year . Total noninterest expense for the full year 2025 was $443,147 thousand, compared to $430,108 thousand in 2024 . Quarterly noninterest expense was $112.4 million in 3Q 2025 and $107.9 million in 4Q 2024 .<h4>Operational Metrics</h4>Operating IncomeOperating income for the fourth quarter of 2025 was $80.1 million, an increase from $70.3 million in 3Q 2025 and $55.3 million in 4Q 2024 .Net Interest MarginThe net interest margin increased to 2.61% in the fourth quarter of 2025, a 15 basis point improvement from the linked quarter (2.46%) and a 42 basis point increase from the same period last year . This marked the seventh consecutive quarter of expansion .Cost of DepositsThe quarterly cost of deposits decreased to 1.43% in Q4 2025, down from 1.59% during the linked quarter . The spot cost of total deposits further decreased to 1.30% .Efficiency RatioThe efficiency ratio improved to 57.75% in Q4 2025, down from 61.53% in Q3 2025 and 66.12% in Q4 2024 . For the full year 2025, the efficiency ratio was 61.84%, compared to 67.30% in 2024 .Return on Average Common EquityReturn on average common equity for the full year of 2025 was 13.29%, compared with 10.85% in 2024 . For the fourth quarter of 2025, it increased to 15.03% from 13.59% in the linked quarter .Return on Average AssetsReturn on average assets increased to 1.01% in Q4 2025 from 0.88% in the linked quarter .Provision for Credit LossesThe provision for credit losses for the fourth quarter of 2025 was $2.5 million, unchanged from the linked quarter and down $1.3 million from the same period last year . The credit provision was $2.5 million in 3Q 2025 and $3.8 million in 4Q 2024 .Income TaxesIncome taxes were $16.7 million in 4Q 2025, up from $14.4 million in 3Q 2025 and $12.4 million in 4Q 2024 .Asset QualityTotal non-performing assets were $14.2 million at December 31, 2025, a decrease of $2.7 million from September 30, 2025, and $5.1 million from December 31, 2024 . Non-performing assets as a percentage of total loans and leases and foreclosed real estate stood at 0.10% at quarter-end . Net loan and lease charge-offs during Q4 2025 were $4.1 million, or 12 basis points annualized, of total average loans and leases outstanding . The allowance for credit losses on loans and leases was $146.8 million at December 31, 2025, with a ratio to total loans and leases outstanding of 1.04% . Delinquencies were 0.36% of period-end loans, and criticized loans were 2.12% of period-end loans .Balance SheetTotal assets were $24.2 billion at December 31, 2025, an increase of 0.7% from September 30, 2025, and 2.4% from December 31, 2024 . Total loans and leases were $14.1 billion, increasing 0.4% from the linked quarter . Total deposits were $21.2 billion, up 0.5% from the linked quarter and 2.7% from December 31, 2024 . Noninterest-bearing deposits constituted 27.2% of total deposit balances at December 31, 2025 . The investment portfolio was $7,756 million, up from $7,620 million in 3Q 2025 and $7,308 million in 4Q 2024 . Loans and leases were $14,082 million, up from $14,022 million in 3Q 2025 and $14,076 million in 4Q 2024 . Total deposits were $21,188 million, up from $21,081 million in 3Q 2025 and $20,633 million in 4Q 2024 . Shareholders’ equity was $1,851 million, up from $1,791 million in 3Q 2025 and $1,668 million in 4Q 2024 .CapitalThe Company’s capital levels remained strong, with a Tier 1 Capital Ratio of 14.49% and a Tier 1 Leverage Ratio of 8.57% at December 31, 2025 . The total capital ratio was 15.54% . Total common equity to tangible assets increased to 6.11% from 5.90% . Bank of Hawaii Corporation repurchased 76.5 thousand shares of common stock at a total cost of $5.0 million during the fourth quarter of 2025, with $121.0 million remaining under the share repurchase program . A quarterly cash dividend of $0.70 per share was declared .<h4>Outlook / Guidance</h4>Bank of Hawaii Corporation (夏威夷银行) anticipates net interest income (NII) expansion driven by a balance sheet remix, with a $659 million 4Q 2025 loan and investment cashflow rolling on at a 5.8% rate compared to a 4.0% roll-off rate . Quarterly NII is expected to increase by $3.0 million from cashflow repricing and by $0.7 million from deposit mix shift and repricing in 4Q 2025 . In the event of a 25 basis points Federal Funds rate decrease, the short-term net NII impact per quarter is estimated to be - $0.4 million, while the long-term net NII impact is projected to be +$1.4 million .

Bank of Hawaii | 8-K: FY2025 Q4 Revenue: USD 271.57 M