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Here's What Key Metrics Tell Us About Bank of Hawaii (BOH) Q2 Earnings

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Bank of Hawaii (BOH - Free Report) reported $156.93 million in revenue for the quarter ended June 2024, representing a year-over-year decline of 6.4%. EPS of $0.86 for the same period compares to $1.12 a year ago.

The reported revenue compares to the Zacks Consensus Estimate of $157.12 million, representing a surprise of -0.12%. The company delivered an EPS surprise of +1.18%, with the consensus EPS estimate being $0.85.

While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.

Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.

Here is how Bank of Hawaii performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:

  • Efficiency Ratio: 69.6% versus the three-analyst average estimate of 67.7%.
  • Average Balance - Total interest earning assets: $21.54 billion versus the three-analyst average estimate of $21.99 billion.
  • Net Interest Margin: 2.2% versus the three-analyst average estimate of 2.1%.
  • Net charge-offs to average loans: 0.1% versus 0.1% estimated by two analysts on average.
  • Total Non-Accrual Loans and Leases: $12.51 million versus the two-analyst average estimate of $11.20 million.
  • Total Non-Performing Assets: $15.18 million versus the two-analyst average estimate of $13.41 million.
  • Net Interest Income (FTE): $115.60 million compared to the $115.65 million average estimate based on three analysts.
  • Annuity and Insurance: $1.58 million versus the three-analyst average estimate of $0.99 million.
  • Bank-Owned Life Insurance: $3.40 million versus the three-analyst average estimate of $3.14 million.
  • Trust and Asset Management: $12.22 million versus the three-analyst average estimate of $10.96 million.
  • Mortgage Banking: $1.03 million versus the three-analyst average estimate of $1.06 million.
  • Net Interest Income: $114.85 million compared to the $115.01 million average estimate based on three analysts.
View all Key Company Metrics for Bank of Hawaii here>>>

Shares of Bank of Hawaii have returned +20.1% over the past month versus the Zacks S&P 500 composite's +0.4% change. The stock currently has a Zacks Rank #5 (Strong Sell), indicating that it could underperform the broader market in the near term.

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