Core Insights - Bank of Hawaii (BOH) reported a revenue of $182.64 million for the quarter ended September 2025, reflecting a year-over-year increase of 12.2% [1] - Earnings per share (EPS) for the quarter was $1.20, up from $0.93 in the same quarter last year, with an EPS surprise of +6.19% compared to the consensus estimate of $1.13 [1] Financial Performance Metrics - Total Non-Performing Assets were reported at $16.86 million, lower than the average estimate of $20.31 million [4] - Total Non-Accrual Loans and Leases stood at $16.74 million, compared to the estimated $19.98 million [4] - Net Interest Margin was reported at 2.5%, matching the average estimate [4] - Average Balance of Total Interest Earning Assets was $22.38 billion, exceeding the average estimate of $21.24 billion [4] - Net charge-offs to average loans were at 0.1%, consistent with the average estimate [4] - Efficiency Ratio was reported at 61.5%, slightly better than the average estimate of 61.8% [4] - Net Interest Income (FTE) was $138.3 million, surpassing the average estimate of $132.58 million [4] - Annuity and Insurance revenue was $1.1 million, below the average estimate of $1.58 million [4] - Bank-Owned Life Insurance revenue was $3.68 million, exceeding the average estimate of $3.28 million [4] - Trust and Asset Management revenue was $12.6 million, slightly above the average estimate of $12.16 million [4] - Mortgage Banking revenue was $0.91 million, below the average estimate of $0.99 million [4] - Overall Net Interest Income was reported at $136.68 million, higher than the average estimate of $130.96 million [4] Stock Performance - Bank of Hawaii shares have returned -2.9% over the past month, contrasting with the Zacks S&P 500 composite's +2.5% change [3] - The stock currently holds a Zacks Rank 3 (Hold), indicating potential performance in line with the broader market in the near term [3]