Bank Hawaii Corp Financials
Bank Hawaii Corp (BOH) reported $121.9M in revenue for fiscal year 2025, down 0.1% from the prior fiscal year. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 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).
Bank of Hawaii’s FY2025 earnings rebound came from a better-earning balance sheet, not from materially expanding assets beyond $24.2B .
After the prior-year dip, net income returned to$205.9M in FY2025 while total assets stayed near$24.2B , so the recovery did not come from simply making the balance sheet bigger. ROE rose to11.1% even though ROA was only0.9% , which implies modest asset-level profitability is being amplified by the bank’s leveraged funding structure.
Cash conversion looks sound for this business: FY2025 operating cash flow was
Capital rebuilding is visible in the balance sheet: equity reached
Financial Health Signals
Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →
Health score ≠ stock price. This rates the quality of Bank Hawaii Corp's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.
Bank Hawaii Corp passes 6 of 7 computable financial strength tests (2 of the nine could not be computed from available data). All 4 profitability signals pass (positive income, cash flow, and earnings quality), all 2 leverage/liquidity signals pass, neither operating efficiency signal passes.
For every $1 of reported earnings, Bank Hawaii Corp generates $1.06 in operating cash flow ($218.3M OCF vs $205.9M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.
Key Financial Metrics
Earnings & Revenue
Bank Hawaii Corp generated $121.9M in revenue in fiscal year 2025. This represents a decrease of 0.1% from the prior year.
Bank Hawaii Corp reported $205.9M in net income in fiscal year 2025. This represents an increase of 37.3% from the prior year.
Bank Hawaii Corp earned $4.63 per diluted share (EPS) in fiscal year 2025. This represents an increase of 33.8% from the prior year.
Not reported for fiscal year 2025.
Cash & Balance Sheet
Bank Hawaii Corp generated $184.3M in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 14.3% from the prior year.
Bank Hawaii Corp held $946.5M in cash against $558.2M in long-term debt as of fiscal year 2025.
Bank Hawaii Corp paid $2.80 per share in dividends in fiscal year 2025. That is unchanged from the prior year.
Margins & Returns
Bank Hawaii Corp's ROE was 11.1% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 2.1 percentage points from the prior year.
Not reported for fiscal year 2025.
Not reported for fiscal year 2025.
Not shown for fiscal year 2025: the reported ratio is above 100.0% of revenue, so it does not read as a share of revenue.
Capital Allocation
Bank Hawaii Corp spent $5.0M on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding.
Bank Hawaii Corp invested $34.1M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents an increase of 251.8% from the prior year.
Not reported for fiscal year 2025.
BOH Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | TTM | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | FY16 | FY15 | FY14 | FY13 | FY12 | FY11 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | N/A | $121.9M-0.1% | $122.1M+5.2% | $116.0M+3.0% | $112.7M-78.6% | $526.7M-3.6% | $546.4M-7.0% | $587.4M+6.8% | $550.2M+9.2% | $503.8M+10.0% | $457.9M+6.0% | $432.1M+3.5% | $417.6M+4.8% | $398.5M-5.2% | $420.5M-4.4% | $439.7M |
| SG&A Expenses | N/A | $248.8M+7.0% | $232.6M-0.6% | $234.1M-0.5% | $235.3M+3.1% | $228.3M+10.1% | $207.3M-4.1% | $216.1M+1.4% | $213.2M+4.7% | $203.7M+2.2% | $199.4M+3.8% | $192.0M+4.9% | $183.0M-0.6% | $184.2M-0.1% | $184.4M+0.9% | $182.8M |
| Interest Expense | N/A | $350.3M-11.8% | $397.2M+26.7% | $313.4M+451.6% | $56.8M+93.1% | $29.4M-41.3% | $50.1M-44.1% | $89.7M+40.5% | $63.8M+37.1% | $46.6M+15.5% | $40.3M+6.0% | $38.0M+0.1% | $38.0M-4.1% | $39.6M-8.4% | $43.2M-12.7% | $49.5M |
| Income Tax | N/A | $56.1M+17.2% | $47.9M-14.4% | $55.9M-13.8% | $64.8M-10.2% | $72.2M+104.4% | $35.3M-41.0% | $59.9M+18.3% | $50.6M-39.3% | $83.4M+6.7% | $78.1M+10.8% | $70.5M-5.5% | $74.6M+17.2% | $63.7M-16.5% | $76.2M+13.9% | $66.9M |
| Net Income | N/A | $205.9M+37.3% | $150.0M-12.4% | $171.2M-24.2% | $225.8M-10.9% | $253.4M+64.7% | $153.8M-31.9% | $225.9M+2.9% | $219.6M+18.9% | $184.7M+1.8% | $181.5M+12.9% | $160.7M-1.4% | $163.0M+8.3% | $150.5M-9.4% | $166.1M+3.8% | $160.0M |
| EPS (Diluted) | — | $4.63+33.8% | $3.46-16.4% | $4.14-24.5% | $5.48-12.3% | $6.25+61.9% | $3.86-30.6% | $5.56+6.3% | $5.23+20.8% | $4.33+2.4% | $4.23+14.3% | $3.70+0.3% | $3.69+9.2% | $3.38-7.9% | $3.67+8.3% | $3.39 |
Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income.
TTM is the trailing twelve months, Q3 FY2025 through Q2 FY2026, summed from the four most recent quarterly filings. A row marked — cannot be summed at all, because a quarter in the window reports no per-share figure; a row marked N/A could be summed, but a quarter in the window does not report that metric.
BOH Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | FY16 | FY15 | FY14 | FY13 | FY12 | FY11 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total Assets | $24.2B+2.4% | $23.6B-0.6% | $23.7B+0.5% | $23.6B+3.6% | $22.8B+10.6% | $20.6B+13.9% | $18.1B+5.6% | $17.1B+0.3% | $17.1B+3.6% | $16.5B+6.7% | $15.5B+4.5% | $14.8B+5.0% | $14.1B+2.6% | $13.7B-0.9% | $13.8B |
| Cash & Equivalents | $946.5M+24.0% | $763.6M-23.7% | $1.0B+149.1% | $401.8M-28.3% | $560.4M-8.7% | $614.1M+9.9% | $558.7M+6.2% | $526.0M+17.4% | $447.9M-49.1% | $879.6M+16.4% | $755.7M+41.1% | $535.6M+15.5% | $463.7M+31.4% | $352.9M-47.3% | $669.9M |
| Accounts Receivable | $15.6M-8.3% | $17.0M-0.5% | $17.1M+40.3% | $12.2M-8.7% | $13.3M+7.6% | $12.4M-38.7% | $20.2M+6.2% | $19.0M-61.4% | $49.3M+291.5% | $12.6M+0.4% | $12.5M-6.5% | $13.4M-0.5% | $13.5M-2.7% | $13.9M+1.8% | $13.6M |
| Goodwill | $31.5M0.0% | $31.5M0.0% | $31.5M0.0% | $31.5M0.0% | $31.5M0.0% | $31.5M0.0% | $31.5M0.0% | $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 | $22.3B+1.8% | $21.9B-1.7% | $22.3B+0.1% | $22.3B+5.3% | $21.2B+10.1% | $19.2B+14.4% | $16.8B+5.9% | $15.9B+0.1% | $15.9B+3.4% | $15.3B+6.9% | $14.3B+4.4% | $13.7B+5.0% | $13.1B+2.9% | $12.7B-1.1% | $12.8B |
| Long-Term Debt | $558.2M0.0% | $558.3M-0.3% | $560.2M+36.5% | $410.3M+3848.6% | $10.4M-82.8% | $60.5M-29.3% | $85.6M-36.9% | $135.6M-48.0% | $260.7M-2.7% | $267.9M+9.0% | $245.8M+41.3% | $173.9M-0.5% | $174.7M+36.4% | $128.1M+317.2% | $30.7M |
| Total Equity | $1.9B+11.0% | $1.7B+17.9% | $1.4B+7.4% | $1.3B-18.3% | $1.6B+17.3% | $1.4B+6.8% | $1.3B+1.5% | $1.3B+2.9% | $1.2B+6.1% | $1.2B+4.1% | $1.1B+5.8% | $1.1B+4.3% | $1.0B-0.9% | $1.0B+1.9% | $1.0B |
| Retained Earnings | $2.2B+3.4% | $2.1B+1.2% | $2.1B+2.5% | $2.1B+5.4% | $2.0B+7.6% | $1.8B+2.9% | $1.8B+7.3% | $1.6B+8.5% | $1.5B+6.8% | $1.4B+7.5% | $1.3B+6.6% | $1.2B+7.2% | $1.2B+6.2% | $1.1B+8.0% | $1.0B |
Not reported in any period shown, so not listed: Current Assets, Inventory, Current Liabilities.
BOH Cash Flow Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | TTM | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | FY16 | FY15 | FY14 | FY13 | FY12 | FY11 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $254.8M | $218.3M+27.7% | $170.9M+23.2% | $138.8M-58.3% | $333.0M-11.7% | $377.2M+157.6% | $146.4M-37.5% | $234.2M-26.3% | $317.9M+81.5% | $175.1M-22.7% | $226.5M-3.2% | $234.0M+11.7% | $209.5M-13.4% | $242.0M+8.8% | $222.5M-3.1% | $229.7M |
| Capital Expenditures | $50.3M | $34.1M+251.8% | $9.7M+2.9% | $9.4M-67.3% | $28.8M+28.6% | $22.4M-32.8% | $33.3M-38.2% | $53.9M+52.7% | $35.3M | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Free Cash Flow | $204.5M | $184.3M+14.3% | $161.3M+24.7% | $129.4M-57.5% | $304.2M-14.3% | $354.8M+213.6% | $113.1M-37.3% | $180.3M-36.2% | $282.6M | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Investing Cash Flow | -$436.7M | -$403.1M-1514.5% | $28.5M-95.0% | $574.3M+145.8% | -$1.3B+48.3% | -$2.4B-2.1% | -$2.4B-206.9% | -$773.3M-935.6% | -$74.7M+92.7% | -$1.0B | N/A | N/A | N/A | N/A | N/A | N/A |
| Financing Cash Flow | -$134.0M | $367.7M+184.2% | -$436.8M-283.7% | -$113.8M-114.9% | $761.8M-61.8% | $2.0B-12.7% | $2.3B+299.2% | $571.7M+446.2% | -$165.1M-139.8% | $415.0M | N/A | N/A | N/A | N/A | N/A | N/A |
| Dividends Paid | $112.7M | $113.0M+0.6% | $112.3M+0.5% | $111.8M-0.7% | $112.6M+1.7% | $110.6M+3.0% | $107.4M+1.9% | $105.5M+7.1% | $98.5M+13.1% | $87.1M+7.3% | $81.2M+3.6% | $78.4M-1.6% | $79.7M-1.1% | $80.5M-1.4% | $81.6M-3.8% | $84.9M |
| Share Buybacks | $37.1M | $5.0M | $0-100.0% | $9.9M-82.1% | $55.1M+76.2% | $31.3M+73.6% | $18.0M-86.9% | $137.6M+49.6% | $92.0M+95.4% | $47.1M-23.8% | $61.8M+16.7% | $53.0M-17.3% | $64.0M+61.5% | $39.7M-51.3% | $81.4M-27.0% | $111.5M |
TTM is the trailing twelve months, Q3 FY2025 through Q2 FY2026, summed from the four most recent quarterly filings. A row marked — cannot be summed at all, because a quarter in the window reports no per-share figure; a row marked N/A could be summed, but a quarter in the window does not report that metric.
BOH Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples.
| Metric | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | FY16 | FY15 | FY14 | FY13 | FY12 | FY11 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Margin | 168.9% | 122.8% | 147.6% | 200.4% | 48.1%+20.0pp | 28.1%-10.3pp | 38.5%-1.5pp | 39.9%+3.3pp | 36.7%-3.0pp | 39.6%+2.4pp | 37.2%-1.9pp | 39.0%+1.3pp | 37.8%-1.7pp | 39.5%+3.1pp | 36.4% |
| Return on Equity | 11.1%+2.1pp | 9.0%-3.1pp | 12.1%-5.0pp | 17.2%+1.4pp | 15.7%+4.5pp | 11.2%-6.4pp | 17.6%+0.2pp | 17.3%+2.3pp | 15.0%-0.6pp | 15.6%+1.2pp | 14.4%-1.1pp | 15.4%+0.6pp | 14.9%-1.4pp | 16.3%+0.3pp | 16.0% |
| Return on Assets | 0.9%+0.2pp | 0.6%-0.1pp | 0.7%-0.2pp | 1.0%-0.2pp | 1.1%+0.4pp | 0.8%-0.5pp | 1.3%0.0pp | 1.3%+0.2pp | 1.1%0.0pp | 1.1%+0.1pp | 1.0%-0.1pp | 1.1%0.0pp | 1.1%-0.1pp | 1.2%+0.1pp | 1.2% |
| Debt-to-Equity | 0.300.0x | 0.33-0.1x | 0.40+0.1x | 0.31+0.3x | 0.010.0x | 0.040.0x | 0.070.0x | 0.11-0.1x | 0.210.0x | 0.230.0x | 0.22+0.1x | 0.160.0x | 0.170.0x | 0.13+0.1x | 0.03 |
| FCF Margin | 151.1% | 132.1% | 111.5% | 270.0% | 67.4%+46.7pp | 20.7%-10.0pp | 30.7%-20.7pp | 51.4% | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.
Reported as filed but not readable as a share of revenue in the periods where the ratio runs further from zero than a revenue base allows; no change figure is given where either compared period is one of those: Net Margin, FCF Margin.
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Where Bank Hawaii Corp Ranks
Frequently Asked Questions
What is Bank Hawaii Corp's annual revenue?
Bank Hawaii Corp (BOH) reported $121.9M in total revenue for fiscal year 2025. This represents a -0.1% 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 declined by 0.1% year-over-year, from $122.1M to $121.9M in fiscal year 2025.
Is Bank Hawaii Corp profitable?
Yes, Bank Hawaii Corp (BOH) reported a net income of $205.9M in fiscal year 2025.
How much debt does Bank Hawaii Corp have?
As of fiscal year 2025, Bank Hawaii Corp (BOH) had $946.5M in cash and equivalents against $558.2M in long-term debt.
Does Bank Hawaii Corp pay dividends?
Yes, Bank Hawaii Corp (BOH) paid $2.80 per share in dividends during fiscal year 2025.
What is Bank Hawaii Corp's return on equity (ROE)?
Bank Hawaii Corp (BOH) has a return on equity of 11.1% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.
What is Bank Hawaii Corp's free cash flow?
Bank Hawaii Corp (BOH) generated $184.3M in free cash flow during fiscal year 2025. This represents a 14.3% 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 $218.3M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
What are Bank Hawaii Corp's total assets?
Bank Hawaii Corp (BOH) had $24.2B in total assets as of fiscal year 2025, including both current and long-term assets.
What are Bank Hawaii Corp's capital expenditures?
Bank Hawaii Corp (BOH) invested $34.1M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.
What is Bank Hawaii Corp's debt-to-equity ratio?
Bank Hawaii Corp (BOH) had a debt-to-equity ratio of 0.30 as of fiscal year 2025, 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 0.9% for fiscal year 2025, 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 6 out of 7 computable signals; 2 of the nine could not be computed from available data, so the full-scale strength rating is not shown. 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 to 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 1.06x, 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 30 out of 100 on our Financial Health Score, indicating weak standing within its banks peer group. The score is a 0-100 composite of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.