Bank of Hawaii Corporation (BOH) Income Statement
BOH 2025 at a glance
Fiscal year ended December 31, 2025 · U.S. dollarsBOH revenue and net income
Where BOH's revenue goes
2025Each bar shows an amount and its share of revenue. BOH kept 19.4% of revenue as net income.
BOH profit margins
BOH growth rates
to 2025| 1 year | 3 years | 5 years | 10 years | |
|---|---|---|---|---|
| Revenue | +3.1% | +12.0% | +7.8% | +5.6% |
| Gross profit | +12.7% | −0.3% | +4.4% | +2.0% |
| Operating income | +32.4% | −3.4% | +6.7% | +1.3% |
| Net income | +37.3% | −3.0% | +6.0% | +2.5% |
| EPS (diluted) | +33.5% | −7.7% | +4.2% | +1.8% |
1-year change and average annual growth (CAGR) over 3, 5 and 10 fiscal years. "—" when a starting value was zero or negative.
BOH quarterly EPS vs estimates
Bank of Hawaii beat the analyst EPS estimate in 7 of the last 8 quarters. Next report: October 26, 2026 (estimate $1.52).
BOH income statement
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $1.06B | $1.03B | $965.8M | $754.9M | $689.4M | $730.8M | $770.7M | $719.1M | $689.2M | $650.9M |
| Cost of revenue | $361.8M | $408.3M | $322.4M | $49.0M | −$21.1M | $167.9M | $105.7M | $77.2M | $63.5M | $45.1M |
| Gross profit | $699.8M | $621.2M | $643.4M | $705.9M | $710.5M | $562.9M | $665.1M | $641.9M | $625.8M | $605.8M |
| Research & development | — | — | — | — | — | — | — | $0 | $0 | $0 |
| Sales, general & admin | $273.2M | $256.4M | $255.9M | $251.8M | $244.4M | $221.4M | $227.4M | $226.9M | $218.4M | $214.0M |
| Total operating expenses | $437.9M | $423.3M | $416.3M | $415.3M | $384.9M | $373.8M | $379.2M | $371.6M | $357.7M | $346.2M |
| Operating income | $262.0M | $197.9M | $227.1M | $290.6M | $325.6M | $189.1M | $285.8M | $270.2M | $268.1M | $259.6M |
| Interest income | $887.8M | $863.8M | $772.3M | $597.4M | $526.7M | $546.4M | $587.4M | $550.2M | $503.8M | $457.9M |
| Interest expense | $350.3M | $397.2M | $313.4M | $56.8M | $29.4M | $50.1M | $89.7M | $63.8M | $46.6M | $40.3M |
| Income before taxes | $262.0M | $197.9M | $227.1M | $290.6M | $325.6M | $189.1M | $285.8M | $270.2M | $268.1M | $259.6M |
| Income taxes | $56.1M | $47.9M | $55.9M | $64.8M | $72.2M | $35.3M | $59.9M | $50.6M | $83.4M | $78.1M |
| Net income | $205.9M | $150.0M | $171.2M | $225.8M | $253.4M | $153.8M | $225.9M | $219.6M | $184.7M | $181.5M |
| EBITDA | $292.4M | $229.4M | $260.1M | $323.9M | $358.1M | $221.6M | $315.7M | $284.6M | $281.1M | $272.5M |
| EPS (diluted) | $4.62 | $3.46 | $4.31 | $5.87 | $6.10 | $3.77 | $5.63 | $5.24 | $4.34 | $4.23 |
| Gross margin | 65.9% | 60.3% | 66.6% | 93.5% | 103.1% | 77.0% | 86.3% | 89.3% | 90.8% | 93.1% |
| Operating margin | 24.7% | 19.2% | 23.5% | 38.5% | 47.2% | 25.9% | 37.1% | 37.6% | 38.9% | 39.9% |
| Net margin | 19.4% | 14.6% | 17.7% | 29.9% | 36.8% | 21.0% | 29.3% | 30.5% | 26.8% | 27.9% |
| Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 | Jun '24 | Mar '24 | Dec '23 | Sep '23 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $269.4M | $263.5M | $271.4M | $271.9M | $261.6M | $256.6M | $260.5M | $264.1M | $254.0M | $251.0M | $251.0M | $245.9M |
| Cost of revenue | $76.1M | $73.0M | $84.4M | $93.5M | $92.1M | $91.7M | $102.8M | $106.0M | $101.1M | $98.4M | $97.1M | $93.0M |
| Gross profit | $193.3M | $190.5M | $187.0M | $178.4M | $169.5M | $164.9M | $157.7M | $158.0M | $152.9M | $152.6M | $153.9M | $152.9M |
| Sales, general & admin | $89.6M | $73.9M | $71.3M | $68.5M | $66.8M | $66.7M | $62.5M | $64.1M | $65.9M | $63.8M | $60.1M | $64.1M |
| Total operating expenses | $111.1M | $116.0M | $109.4M | $110.7M | $109.1M | $108.7M | $106.2M | $105.4M | $107.6M | $104.2M | $114.3M | $89.2M |
| Operating income | $82.2M | $74.5M | $77.6M | $67.8M | $60.4M | $56.2M | $51.5M | $52.6M | $45.3M | $48.4M | $39.6M | $63.7M |
| Interest income | $226.1M | $222.2M | $227.3M | $227.7M | $218.5M | $214.3M | $219.2M | $220.6M | $213.5M | $210.4M | $210.3M | $211.9M |
| Interest expense | $72.5M | $71.2M | $81.9M | $91.0M | $88.9M | $88.5M | $99.0M | $103.0M | $98.7M | $96.4M | $94.6M | $91.0M |
| Income before taxes | $82.1M | $74.5M | $77.6M | $67.8M | $60.4M | $56.2M | $51.5M | $52.6M | $45.3M | $48.4M | $39.6M | $63.7M |
| Income taxes | $18.3M | $17.1M | $16.7M | $14.4M | $12.8M | $12.2M | $12.4M | $12.3M | $11.2M | $12.0M | $9.2M | $15.8M |
| Net income | $63.8M | $57.4M | $60.9M | $53.3M | $47.6M | $44.0M | $39.2M | $40.4M | $34.1M | $36.4M | $30.4M | $47.9M |
| EBITDA | $88.4M | $82.2M | $85.1M | $75.5M | $68.0M | $63.7M | $58.9M | $60.5M | $53.3M | $56.6M | $47.6M | $71.4M |
| EPS (diluted) | $1.47 | $1.30 | $1.39 | $1.20 | $1.06 | $0.97 | $0.85 | $0.93 | $0.81 | $0.87 | $1.01 | $1.04 |
| Gross margin | 71.7% | 72.3% | 68.9% | 65.6% | 64.8% | 64.3% | 60.5% | 59.8% | 60.2% | 60.8% | 61.3% | 62.2% |
| Operating margin | 30.5% | 28.3% | 28.6% | 24.9% | 23.1% | 21.9% | 19.8% | 19.9% | 17.8% | 19.3% | 15.8% | 25.9% |
| Net margin | 23.7% | 21.8% | 22.4% | 19.6% | 18.2% | 17.1% | 15.0% | 15.3% | 13.4% | 14.5% | 12.1% | 19.5% |
Quarterly columns are labeled by the month the quarter ended. Figures in U.S. dollars as reported in BOH's financial statements (latest annual report filed February 24, 2026); data from EODHD. Sales, general & administrative expenses include sales and marketing.
BOH financial results
In fiscal year 2025 (ended December 31, 2025), Bank of Hawaii reported revenue of $1.1 billion, up 3.1% from the year before. It had net income of $205.9 million (up 37.3%), a net profit margin of 19.4%. Diluted earnings per share came to $4.62. Over five years revenue grew at an average rate of 7.8% a year.
See the BOH stock overview for the latest quote and news, or the BOH chart for price history and technical indicators.
BOH income statement FAQ
What is Bank of Hawaii's annual revenue?
Bank of Hawaii reported total revenue of $1.1 billion for fiscal year 2025, which ended on December 31, 2025. That was up 3.1% from $1.0 billion the previous year.
Is Bank of Hawaii profitable?
Yes. Bank of Hawaii reported net income of $205.9 million in fiscal 2025, a net profit margin of 19.4%; its operating margin was 24.7%.
What is Bank of Hawaii's gross margin?
Bank of Hawaii's gross margin was 65.9% in fiscal 2025: for every $100 of revenue, Bank of Hawaii kept $66 after the direct cost of its products and services.
How fast is Bank of Hawaii growing?
Revenue grew 7.8% a year on average over the last five fiscal years, from $730.8 million to $1.1 billion.
What are Bank of Hawaii's earnings per share?
Bank of Hawaii earned $4.62 per diluted share in fiscal 2025, compared with $3.46 a year earlier.
When will Bank of Hawaii report its next earnings?
Bank of Hawaii is expected to report results for the quarter ending September 30, 2026 on October 26, 2026 before the market opens.
When does Bank of Hawaii's fiscal year end?
Bank of Hawaii's fiscal year ends in December. The latest annual report covers the year ended December 31, 2025 and was filed on February 24, 2026.