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Bank of Hawaii BOH Consumer Banking — Net Interest Income (Expense)

Other segment segments

Commercial Banking
$62.55M+15.9%
Treasury and Other
-$18.65M+4.9%

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Other financials

Income statement

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Revenue$196.9M+12.9%
Net income$63.8M+33.9%
EPS (diluted)$1.47+38.7%

Balance sheet

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Cash & equivalents$452.8M-41.1%
Total debt$601.7M-7.5%
Total equity$1.9B+7.6%
Total assets$23.8B+0.6%

Cash flow

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Operating cash flow$97.4M+19.3%
CapEx$12.6M+38.8%
Free cash flow$84.9M+16.9%

Valuation

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Market cap$3.12B+25.9%
Enterprise value$3.27B+38.5%
P/E13.2×-1.2×
P/S4.1×+0.4×

Profitability

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Net margin30.9%+5.4pp
FCF margin26.9%

Returns & leverage

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Return on equity13%+2.8pp
Debt / equity0.3×-0.1×

Where this comes from

Reported directly by Bank of Hawaii in its filing.

Tagged under the XBRL concept us-gaap:InterestIncomeExpenseNet.

The source filing: Bank of Hawaii’s 10-Q, filed July 28, 2026.

Filed
Jul 27, 2026, 8:00 PM EDT
Fiscal quarter
Q2 FY2026
Calendar quarter
Q2 2026
Accession
0000046195-26-000056
(dollars in thousands) / Three Months Ended June 30, 2026Consumer BankingCommercial BankingTreasury and OtherConsolidated Total
Net Interest Income (Expense)$109,701$62,548$(18,645)$153,604
Provision for (Recapture of) Credit Losses3,403(1)1983,600
Net Interest Income (Expense) After Provision for Credit Losses106,29862,549(18,843)150,004
Noninterest Income36,1493,9633,18743,299
Salaries and Benefits22,3774,56735,69862,642
Net Occupancy7,5303962,94210,868
Other Noninterest Expense61,12811,029(34,481)37,676
Noninterest Expense91,03515,9924,159111,186

Item 1. Financial Statements (Unaudited)

FAQ

What is Bank of Hawaii's consumer banking — net interest income (expense)?
Bank of Hawaii (BOH) reported consumer banking — net interest income (expense) of $109.7M in Q2 2026.
How has Bank of Hawaii's consumer banking — net interest income (expense) changed year-over-year?
Bank of Hawaii's consumer banking — net interest income (expense) increased by 15.1% year-over-year, from $95.34M to $109.7M.
What is the long-term trend for Bank of Hawaii's consumer banking — net interest income (expense)?
Over 4 years (2021 to 2025), Bank of Hawaii's consumer banking — net interest income (expense) has grown at a 7.8% compound annual growth rate (CAGR), from $284M to $383.96M.
What does consumer banking — net interest income (expense) mean?
The difference between the interest income generated from consumer loans and the interest expense paid on consumer deposits. This represents the core profitability of the consumer banking segment's lending and deposit-taking activities.

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