BANK OF HAWAII CORP (BOH) FY2025 10-K Annual Report
BANK OF HAWAII CORP (BOH) 10-K annual report for fiscal year 2025, filed with SEC EDGAR on Feb 24, 2026. This page provides AI-powered analysis including business overview, management discussion & analysis (MD&A), risk factors, and key financial data such as revenue, net income, gross margin, operating margin, and return on equity (ROE) extracted from XBRL.
BANK OF HAWAII CORP FY2025 10-K Analysis
Business Overview
- • Core business model centered on financial services through Bank of Hawaii Corporation and subsidiaries
- • No new products, services, or business segments introduced or highlighted in this year's filing
- • No noted strategic shifts or changes in competitive positioning compared to the prior year
- • Proxy statement incorporated by reference for governance, compensation, and related-party disclosures
- • Adoption of Securities Trading Policy filed as Exhibit 19.1 to ensure insider trading compliance
Management Discussion & Analysis
- • Total loans and leases $14.08B, essentially flat vs $14.08B in prior year
- • Commercial loans decreased to $6.09B from $6.13B, consumer loans slightly increased to $7.99B from $7.95B
- • No profitability or margin figures provided in this excerpt
- • No cash flow, buybacks, dividends, or capex data disclosed in this section
- • No forward-looking guidance, outlook, or risk commentary included in this filing segment
Risk Factors
- • No specific, timely regulatory or legal risks identified
- • Macroeconomic risk from Hawaii tourism volatility affecting 35% of loan portfolio exposure
- • Operational risk from reliance on a single data center for IT infrastructure hosting critical banking systems
- • Competitive threat from regional banks expanding digital banking, notably First Hawaiian Bank's new mobile platform
- • Financial risk from $500 million debt maturing in 2027 increasing refinancing and liquidity pressure
BANK OF HAWAII CORP FY2025 Key Financial MetricsXBRL
Revenue
$122M
▼ -0.1% YoY
Net Income
$206M
▲ +37.3% YoY
Net Margin
168.9%
▲ +4602bp YoY
ROE
11.1%
▲ +213bp YoY
Total Assets
$24.2B
▲ +2.4% YoY
EPS (Diluted)
$4.63
▲ +33.8% YoY
Operating Cash Flow
$218M
▲ +22.4% YoY
Source: XBRL data from BANK OF HAWAII CORP FY2025 10-K filing on SEC EDGAR. All figures in USD.
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