Peter Ho, Chairman and CEO said “Bank of Hawai‘i completed 2025 with strong financial performance”.
Q4 2025 Financial Highlights
Net profit: $60.9 million for the quarter.
Diluted EPS: $1.39, significantly above analysts’ expectations (consensus $1.25-$1.26).
Revenue (net of interest expense): $189.65 million, up 16.2 % year-over-year and above forecasts.
Net interest margin (NIM): 2.61 %, improving sequentially.
Cost of deposits: 1.43 %, down from the prior quarter.
Direct comparison of Bank of Hawaii’s Q4 2025 profit vs. Q4 2024 profit based on reported results and analysts’ figures:
Profit (Net Income)
Q4 2025: Net income was $60.9 million, up 55.6% compared with the same quarter last year.
Q4 2024: Net income was $39.2 million.
Takeaway: Profit in Q4 2025 was materially higher than in Q4 2024, a strong year-over-year increase of over 50%, signaling accelerating earnings momentum.
Growth Drivers & Context
Revenues rose year-over-year while interest income benefited from margin expansion.
Expense discipline and credit quality remained solid, with net interest income increasing and noninterest expense well-managed.
Share repurchases resumed during the quarter, indicating confidence in the business.
Diluted EPS: $4.63 vs. $3.46 in 2024 (about +37 %).
Net income: $205.9 million for 2025 versus $149.9 million in 2024.
Market Reaction & Outlook
Shares reacted positively as the results topped estimates and showed margin improvement.
Investor Takeaways
Beat and exceeded expectations, positive catalyst for the stock.
Margin improvement and disciplined expense control supports earnings sustainability.
Share repurchases and dividends supports shareholder-friendly capital allocation.
Solid credit quality and deposit trends are good foundation for future growth.