Bank of Hawaii (BOH) Q4 Earnings: Taking a Look at Key Metrics Versus Estimates

Core Insights - Bank of Hawaii (BOH) reported revenue of $163.23 million for the quarter ended December 2024, reflecting a year-over-year increase of 3.3% [1] - Earnings per share (EPS) for the quarter was $0.85, up from $0.72 in the same quarter last year, but below the consensus estimate of $0.87, resulting in an EPS surprise of -2.30% [1] Financial Performance Metrics - Total Non-Performing Assets amounted to $19.30 million, exceeding the average estimate of $18.43 million [4] - Total Non-Accrual Loans and Leases were reported at $16.64 million, higher than the estimated $15.76 million [4] - Net Interest Margin was reported at 2.2%, matching the average estimate [4] - Average Balance of Total Interest Earning Assets was $22.13 billion, slightly above the estimated $22.05 billion [4] - Net charge-offs to average loans stood at 0.1%, consistent with the average estimate [4] - Efficiency Ratio was reported at 66.1%, better than the average estimate of 66.8% [4] - Net Interest Income (FTE) was $121.50 million, surpassing the estimated $119.54 million [4] - Annuity and Insurance revenue was $1.35 million, below the estimated $1.56 million [4] - Bank-Owned Life Insurance revenue was $3.28 million, lower than the average estimate of $3.76 million [4] - Trust and Asset Management revenue was $12.16 million, exceeding the estimated $11.94 million [4] - Mortgage Banking revenue was $0.94 million, below the estimated $1.08 million [4] - Overall Net Interest Income was reported at $120.18 million, above the average estimate of $118.49 million [4] Stock Performance - Shares of Bank of Hawaii have returned +1% over the past month, compared to a +1.1% change in the Zacks S&P 500 composite [3] - The stock currently holds a Zacks Rank 2 (Buy), indicating potential for outperformance in the near term [3]