BOH Earnings Prediction
The chart below shows how BOH performed 10 days before and after its earnings report, based on data from the past quarters. Typically, BOH sees a -3.11% change in stock price 10 days leading up to the earnings, and a +0.60% change 10 days following the report. On the earnings day itself, the stock moves by +1.77%. This data can give you a slight idea of what to expect for the next quarter's release.
BOH Key Earning Data
2024/Q4
Year Over Year
Quarter Over Quarter
Total Revenue
142.75M
4.65%
0.88%
Gross Margin
--
--
--
Operating Margin
36.11%
23.33%
-3.22%
Net Margin
27.43%
23.11%
-3.82%
EPS
0.85
18.06%
-8.60%
No Data Available
BOH Earnings Analysis
Bank of Hawaii Corp Corporation (BOH.N) Earnings Conference Call
Positive
Net Interest Income Growth: Net interest income increased by 2.2% to $120.2 million for Q4 2024, marking the third consecutive quarter of growth.
Deposit and Loan Growth: Average deposits grew by 1.3% to $20.8 billion, while average loans increased by 1.1% to $14 billion on a linked basis.
Credit Quality Improvement: Credit quality improved with net charge-offs at 10 basis points and criticized loans decreasing from 2.42% to 2.1% of total loans.
Non-Interest Income Increase: Non-interest income, adjusted for a one-time Visa charge, rose to $45.4 million, reflecting a $300,000 increase from the previous quarter.
Tier 1 Capital Improvement: The Tier 1 capital ratio improved to 13.95%, indicating strong capital levels well above regulatory requirements.
Negative
Net Interest Margin Fluctuation: Net interest margin initially decreased in October due to a 50 basis point rate cut, negatively impacting earnings before recovering to 2.26% by December.
Deposit Balance Decline Impact: Average non-interest bearing and low yield interest bearing deposit balances declined by $105 million linked quarter, contributing to a negative impact of $900,000 on net interest income in Q4.
Expense Increase Analysis: Expenses increased to $107.9 million in Q4 from $107.1 million in Q3, primarily due to higher medical costs, which are not expected to recur, indicating potential volatility in future expense management.
Credit Loss Provision Concerns: Provision for credit losses was recorded at $3.8 million in Q4, reflecting ongoing concerns about credit quality despite stable metrics in other areas.
Cautious Capital Management: The bank did not repurchase shares during the quarter under its share repurchase program, indicating a cautious approach to capital management amidst economic uncertainties.
BOH FAQs
How does BOH typically perform around its earnings report dates?
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BOH Earning Call Sentiment
Earnings call transcript: Bank of Hawaii Q4 2024 beats EPS forecast, shares rise
BOH.N
-0.65%Positive
The earnings call presents a mixed picture. While there is strong capital positioning and stable credit quality, loan growth is stagnating, and expenses are projected to rise. Dividends remain steady, but there is no share repurchase activity. The Q&A reveals some optimism in commercial growth and asset repricing but lacks clarity on revenue-enhancing initiatives. With a market cap of $2.27 billion, these factors suggest a neutral stock price movement, with no strong catalysts for a significant change.
