Bank Hawaii Corp Financials

BOH

Source SEC Filings (10-K/10-Q) Updated Sep 30, 2025 Currency USD FYE December

Financial Health Signals

Financial Profile 70/100

Based on FY2024 annual data. Scores normalized against common benchmarks. How we calculate these scores

Growth

Bank Hawaii Corp's revenue grew 5.2% year-over-year to $122.1M, a solid pace of expansion. This earns a growth score of 44/100.

Leverage

Bank Hawaii Corp carries a low D/E ratio of 0.33, meaning only $0.33 of long-term debt for every $1 of shareholders' equity. This conservative leverage earns a score of 99/100, indicating a strong balance sheet with room for future borrowing.

Cash Flow

100

Bank Hawaii Corp converts 138.2% of revenue into free cash flow ($168.8M). This strong cash generation earns a score of 100/100.

Returns

Bank Hawaii Corp's ROE of 9.0% shows moderate profitability relative to equity, earning a score of 36/100. This is down from 12.1% the prior year.

Piotroski F-Score Neutral

4/9

Bank Hawaii Corp passes 4 of 9 financial strength tests. 3 of 4 profitability signals pass, no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), both operating efficiency signals pass.

Earnings Quality Cash-Backed

1.19x

For every $1 of reported earnings, Bank Hawaii Corp generates $1.19 in operating cash flow ($178.4M OCF vs $150.0M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

This page shows Bank Hawaii Corp (BOH) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 17 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

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Key Financial Metrics

Revenue

$122.1M

YoY+5.2%

5Y CAGR-27.0%

10Y CAGR-11.6%

Bank Hawaii Corp generated $122.1M in revenue in fiscal year 2024. This represents an increase of 5.2% from the prior year.

EBITDA

N/A

Free Cash Flow

$168.8M

YoY+19.8%

5Y CAGR-1.3%

Bank Hawaii Corp generated $168.8M in free cash flow in fiscal year 2024, representing cash available after capex. This represents an increase of 19.8% from the prior year.

Net Income

$150.0M

YoY-12.4%

5Y CAGR-7.9%

10Y CAGR-0.8%

Bank Hawaii Corp reported $150.0M in net income in fiscal year 2024. This represents a decrease of 12.4% from the prior year.

EPS (Diluted)

$3.46

YoY-16.4%

5Y CAGR-9.1%

10Y CAGR-0.6%

Bank Hawaii Corp earned $3.46 per diluted share (EPS) in fiscal year 2024. This represents a decrease of 16.4% from the prior year.

Cash & Debt

$763.6M

YoY-23.7%

5Y CAGR+6.4%

10Y CAGR+3.6%

Bank Hawaii Corp held $763.6M in cash against $550.0M in long-term debt as of fiscal year 2024.

Dividends Per Share

$2.80

YoY+0.0%

5Y CAGR+1.6%

10Y CAGR+4.5%

Bank Hawaii Corp paid $2.80 per share in dividends in fiscal year 2024. This represents an increase of 0.0% from the prior year.

Shares Outstanding

40M

YoY+0.0%

5Y CAGR-0.1%

10Y CAGR-0.9%

Bank Hawaii Corp had 40M shares outstanding in fiscal year 2024. This represents an increase of 0.0% from the prior year.

Gross Margin

N/A

Operating Margin

N/A

Net Margin

122.8%

YoY-24.7pp

5Y CAGR+84.4pp

10Y CAGR+83.8pp

Bank Hawaii Corp's net profit margin was 122.8% in fiscal year 2024, showing the share of revenue converted to profit. This is down 24.7 percentage points from the prior year.

Return on Equity

9.0%

YoY-3.1pp

5Y CAGR-8.6pp

10Y CAGR-6.5pp

Bank Hawaii Corp's ROE was 9.0% in fiscal year 2024, measuring profit generated per dollar of shareholder equity. This is down 3.1 percentage points from the prior year.

R&D Spending

N/A

Share Buybacks

$5.3M

YoY-62.9%

5Y CAGR-47.9%

10Y CAGR-22.1%

Bank Hawaii Corp spent $5.3M on share buybacks in fiscal year 2024, returning capital to shareholders by reducing shares outstanding. This represents a decrease of 62.9% from the prior year.

Capital Expenditures

$9.7M

YoY+2.9%

5Y CAGR-29.1%

Bank Hawaii Corp invested $9.7M in capex in fiscal year 2024, funding long-term assets and infrastructure. This represents an increase of 2.9% from the prior year.

BOH Income Statement

Metric	FY24	FY23	FY22	FY21	FY20	FY19
Revenue	$122.1M+5.2%	$116.0M+3.0%	$112.7M-78.6%	$526.7M-3.6%	$546.4M-7.0%	$587.4M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$397.2M+26.7%	$313.4M+451.6%	$56.8M+93.1%	$29.4M-41.3%	$50.1M-44.1%	$89.7M
Income Tax	$47.9M-14.4%	$55.9M-13.8%	$64.8M-10.2%	$72.2M+104.4%	$35.3M-41.0%	$59.9M
Net Income	$150.0M-12.4%	$171.2M-24.2%	$225.8M-10.9%	$253.4M+64.7%	$153.8M-31.9%	$225.9M
EPS (Diluted)	$3.46-16.4%	$4.14-24.5%	$5.48-12.3%	$6.25+61.9%	$3.86-30.6%	$5.56

Metric	Q3'25	Q2'25	Q1'25	Q3'24	Q2'24	Q1'24	Q4'23	Q3'23
Revenue	$227.7M+4.2%	$218.5M+2.0%	$214.3M-2.9%	$220.6M+3.3%	$213.5M+1.5%	$210.4M	N/A	$211.9M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$91.0M+2.5%	$88.9M+0.4%	$88.5M-14.1%	$103.0M+4.4%	$98.7M+2.4%	$96.4M	N/A	$91.0M
Income Tax	$14.4M+12.5%	$12.8M+5.2%	$12.2M-0.9%	$12.3M+9.4%	$11.2M-6.3%	$12.0M	N/A	$15.8M
Net Income	$53.3M+12.0%	$47.6M+8.3%	$44.0M+9.0%	$40.4M+18.4%	$34.1M-6.3%	$36.4M	N/A	$47.9M
EPS (Diluted)	$1.20+13.2%	$1.06+9.3%	$0.97+4.3%	$0.93+14.8%	$0.81-6.9%	$0.87	N/A	$1.17

BOH Balance Sheet

Metric	FY24	FY23	FY22	FY21	FY20	FY19
Total Assets	$23.6B-0.6%	$23.7B+0.5%	$23.6B+3.6%	$22.8B+10.6%	$20.6B+13.9%	$18.1B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$763.6M-23.7%	$1.0B+149.1%	$401.8M-28.3%	$560.4M-8.7%	$614.1M+9.9%	$558.7M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	$17.0M-0.5%	$17.1M+40.3%	$12.2M-8.7%	$13.3M+7.6%	$12.4M-38.7%	$20.2M
Goodwill	$31.5M0.0%	$31.5M0.0%	$31.5M0.0%	$31.5M0.0%	$31.5M0.0%	$31.5M
Total Liabilities	$21.9B-1.7%	$22.3B+0.1%	$22.3B+5.3%	$21.2B+10.1%	$19.2B+14.4%	$16.8B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	$550.0M0.0%	$550.0M+34.1%	$410.3M+3848.6%	$10.4M-82.8%	$60.5M-29.3%	$85.6M
Total Equity	$1.7B+17.9%	$1.4B+7.4%	$1.3B-18.3%	$1.6B+17.3%	$1.4B+6.8%	$1.3B
Retained Earnings	$2.1B+1.2%	$2.1B+2.5%	$2.1B+5.4%	$2.0B+7.6%	$1.8B+2.9%	$1.8B

Metric	Q3'25	Q2'25	Q1'25	Q3'24	Q2'24	Q1'24	Q4'23	Q3'23
Total Assets	$24.0B+1.3%	$23.7B-0.7%	$23.9B+1.2%	$23.6B+1.3%	$23.3B-0.5%	$23.4B-1.3%	$23.7B+0.8%	$23.5B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$985.2M+28.2%	$768.7M-17.8%	$935.2M+22.5%	$763.6M-17.5%	$925.3M+3.8%	$891.5M-10.9%	$1.0B+53.5%	$652.2M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	$17.0M	N/A	N/A	$17.1M	N/A
Goodwill	$31.5M0.0%	$31.5M0.0%	$31.5M0.0%	$31.5M0.0%	$31.5M0.0%	$31.5M0.0%	$31.5M0.0%	$31.5M
Total Liabilities	$22.2B+1.2%	$22.0B-1.0%	$22.2B+1.1%	$21.9B+1.1%	$21.7B-1.4%	$22.0B-1.5%	$22.3B+0.6%	$22.2B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	$558.2M0.0%	$558.2M0.0%	$558.3M+1.5%	$550.0M-1.8%	$560.1M0.0%	$560.2M+1.8%	$550.0M-1.8%	$560.2M
Total Equity	$1.8B+2.8%	$1.7B+2.2%	$1.7B+2.2%	$1.7B+3.4%	$1.6B+12.3%	$1.4B+1.5%	$1.4B+3.7%	$1.4B
Retained Earnings	$2.2B+0.9%	$2.2B+0.7%	$2.1B+0.5%	$2.1B+0.7%	$2.1B+0.2%	$2.1B+0.3%	$2.1B-0.1%	$2.1B

BOH Cash Flow Statement

Metric	FY24	FY23	FY22	FY21	FY20	FY19
Operating Cash Flow	$178.4M+18.8%	$150.2M-54.9%	$333.0M-11.7%	$377.2M+157.6%	$146.4M-37.5%	$234.2M
Capital Expenditures	$9.7M+2.9%	$9.4M-67.3%	$28.8M+28.6%	$22.4M-32.8%	$33.3M-38.2%	$53.9M
Free Cash Flow	$168.8M+19.8%	$140.8M-53.7%	$304.2M-14.3%	$354.8M+213.6%	$113.1M-37.3%	$180.3M
Investing Cash Flow	$21.0M-96.3%	$562.8M+144.9%	-$1.3B+48.3%	-$2.4B-2.1%	-$2.4B-206.9%	-$773.3M
Financing Cash Flow	-$436.8M-283.7%	-$113.8M-114.9%	$761.8M-61.8%	$2.0B-12.7%	$2.3B+299.2%	$571.7M
Dividends Paid	$112.3M+0.5%	$111.8M-0.7%	$112.6M+1.7%	$110.6M+3.0%	$107.4M+1.9%	$105.5M
Share Buybacks	$5.3M-62.9%	$14.3M-74.0%	$55.1M+76.2%	$31.3M+73.6%	$18.0M-86.9%	$137.6M

Metric	Q3'25	Q2'25	Q1'25	Q3'24	Q2'24	Q1'24	Q4'23	Q3'23
Operating Cash Flow	$38.5M-52.9%	$81.7M+345.1%	$18.3M-81.2%	$97.7M+113.7%	$45.7M-17.4%	$55.3M+115.7%	$25.7M-82.2%	$143.9M
Capital Expenditures	$8.7M-4.1%	$9.0M+11.4%	$8.1M+389.2%	-$2.8M-156.2%	$5.0M+74.5%	$2.9M-26.0%	$3.9M+689.0%	$490K
Free Cash Flow	$29.8M-58.9%	$72.6M+610.0%	$10.2M-89.2%	$94.9M+133.0%	$40.7M-22.4%	$52.5M+140.9%	$21.8M-84.8%	$143.4M
Investing Cash Flow	-$71.3M-1024.5%	-$6.3M+95.4%	-$136.4M+40.4%	-$228.9M-230.1%	$175.9M-28.4%	$245.6M+147.9%	$99.1M-71.3%	$344.8M
Financing Cash Flow	$249.4M+203.1%	-$241.8M-183.5%	$289.7M+176.6%	-$378.0M-101.3%	-$187.8M+54.2%	-$410.4M-283.2%	$224.0M+114.8%	-$1.5B
Dividends Paid	$28.3M+0.1%	$28.2M+0.1%	$28.2M+0.4%	$28.1M+0.2%	$28.1M0.0%	$28.1M+0.3%	$28.0M+0.1%	$27.9M
Share Buybacks	$135K-52.8%	$286K-91.4%	$3.3M+1958.4%	$161K-90.4%	$1.7M-49.5%	$3.3M+1318.8%	$234K+87.2%	$125K

BOH Financial Ratios

Metric	FY24	FY23	FY22	FY21	FY20	FY19
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	122.8%-24.7pp	147.6%-52.9pp	200.4%+152.3pp	48.1%+20.0pp	28.1%-10.3pp	38.5%
Return on Equity	9.0%-3.1pp	12.1%-5.0pp	17.2%+1.4pp	15.7%+4.5pp	11.2%-6.4pp	17.6%
Return on Assets	0.6%-0.1pp	0.7%-0.2pp	1.0%-0.2pp	1.1%+0.4pp	0.8%-0.5pp	1.3%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	0.33-0.1	0.39+0.1	0.31+0.3	0.01-0.0	0.04-0.0	0.07
FCF Margin	138.2%+16.9pp	121.4%-148.6pp	270.0%+202.7pp	67.4%+46.7pp	20.7%-10.0pp	30.7%

Metric	Q3'25	Q2'25	Q1'25	Q3'24	Q2'24	Q1'24	Q4'23	Q3'23
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	23.4%+1.6pp	21.8%+1.3pp	20.5%+2.2pp	18.3%+2.3pp	16.0%-1.3pp	17.3%	N/A	22.6%
Return on Equity	3.0%+0.2pp	2.7%+0.2pp	2.6%+0.2pp	2.4%+0.3pp	2.1%-0.4pp	2.5%	N/A	3.5%
Return on Assets	0.2%+0.0pp	0.2%+0.0pp	0.2%+0.0pp	0.2%+0.0pp	0.1%-0.0pp	0.2%	N/A	0.2%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	0.310.0	0.320.0	0.330.0	0.33-0.0	0.35-0.0	0.390.0	0.39-0.0	0.41
FCF Margin	13.1%-20.1pp	33.2%+28.5pp	4.8%+16.1pp	-11.3%-30.4pp	19.1%-5.9pp	24.9%	N/A	67.7%

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Frequently Asked Questions

What is Bank Hawaii Corp's annual revenue?

Bank Hawaii Corp (BOH) reported $122.1M in total revenue for fiscal year 2024. This represents a 5.2% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Bank Hawaii Corp's revenue growing?

Bank Hawaii Corp (BOH) revenue grew by 5.2% year-over-year, from $116.0M to $122.1M in fiscal year 2024.

Is Bank Hawaii Corp profitable?

Yes, Bank Hawaii Corp (BOH) reported a net income of $150.0M in fiscal year 2024, with a net profit margin of 122.8%.

What is Bank Hawaii Corp's earnings per share (EPS)?

Bank Hawaii Corp (BOH) reported diluted earnings per share of $3.46 for fiscal year 2024. This represents a -16.4% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

How much debt does Bank Hawaii Corp have?

As of fiscal year 2024, Bank Hawaii Corp (BOH) had $763.6M in cash and equivalents against $550.0M in long-term debt.

What is Bank Hawaii Corp's net profit margin?

Bank Hawaii Corp (BOH) had a net profit margin of 122.8% in fiscal year 2024, representing the share of revenue converted into profit after all expenses.

Does Bank Hawaii Corp pay dividends?

Yes, Bank Hawaii Corp (BOH) paid $2.80 per share in dividends during fiscal year 2024.

What is Bank Hawaii Corp's return on equity (ROE)?

Bank Hawaii Corp (BOH) has a return on equity of 9.0% for fiscal year 2024, measuring how efficiently the company generates profit from shareholder equity.

What is Bank Hawaii Corp's free cash flow?

Bank Hawaii Corp (BOH) generated $168.8M in free cash flow during fiscal year 2024. This represents a 19.8% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is Bank Hawaii Corp's operating cash flow?

Bank Hawaii Corp (BOH) generated $178.4M in operating cash flow during fiscal year 2024, representing cash generated from core business activities.

What are Bank Hawaii Corp's total assets?

Bank Hawaii Corp (BOH) had $23.6B in total assets as of fiscal year 2024, including both current and long-term assets.

What are Bank Hawaii Corp's capital expenditures?

Bank Hawaii Corp (BOH) invested $9.7M in capital expenditures during fiscal year 2024, funding long-term assets and infrastructure.

Does Bank Hawaii Corp buy back shares?

Yes, Bank Hawaii Corp (BOH) spent $5.3M on share buybacks during fiscal year 2024, returning capital to shareholders by reducing shares outstanding.

How many shares does Bank Hawaii Corp have outstanding?

Bank Hawaii Corp (BOH) had 40M shares outstanding as of fiscal year 2024.

What is Bank Hawaii Corp's debt-to-equity ratio?

Bank Hawaii Corp (BOH) had a debt-to-equity ratio of 0.33 as of fiscal year 2024, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Bank Hawaii Corp's return on assets (ROA)?

Bank Hawaii Corp (BOH) had a return on assets of 0.6% for fiscal year 2024, measuring how efficiently the company uses its assets to generate profit.

What is Bank Hawaii Corp's Piotroski F-Score?

Bank Hawaii Corp (BOH) has a Piotroski F-Score of 4 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Bank Hawaii Corp's earnings high quality?

Bank Hawaii Corp (BOH) has an earnings quality ratio of 1.19x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is Bank Hawaii Corp?

Bank Hawaii Corp (BOH) scores 70 out of 100 on our Financial Profile, indicating strong overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.