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Banks · Financial Services · Fiscal year ends Dec 31
Bank of Hawaii reported revenue of $122M in the fiscal year ended Dec 2025, down 0.1% from the year before. Net income was $206M. Operating cash flow of $218M less capital expenditure of $34M left free cash flow of $184M. It held more cash than debt (net cash $397M).
Ranks among the 59 banks companies we cover (1st = best; for debt, the least indebted). Green = top third, red = bottom third.
Last 5 fiscal years
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Revenue | – | 113 | 116 | 122 | 122 |
| Net interest incomeBanks | 497 | 541 | 497 | 467 | 538 |
| Interest expense | 29.4 | 56.8 | 313 | 397 | 350 |
| Pre-tax income | 326 | 291 | 227 | 198 | 262 |
| Income tax | 72.2 | 64.8 | 55.9 | 47.9 | 56.1 |
| Net income | 253 | 226 | 171 | 150 | 206 |
| Diluted EPS | 6.25 | 5.48 | 4.14 | 3.46 | 4.63 |
| Diluted shares | 40.1 | 39.8 | 39.4 | 39.7 | 39.9 |
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Cash & equivalents | 560 | 402 | 1,001 | 764 | 947 |
| Net PP&E | 199 | 207 | 195 | 184 | 200 |
| Goodwill | 31.5 | 31.5 | 31.5 | 31.5 | 31.5 |
| Total assets | 22,785 | 23,607 | 23,733 | 23,601 | 24,176 |
| Deferred revenue | 0.0 | – | – | – | – |
| Long-term debt | 10.4 | 410 | 550 | 550 | 550 |
| DepositsBanks | 20,360 | 20,616 | 21,055 | 20,633 | 21,188 |
| Total liabilities | 21,173 | 22,290 | 22,319 | 21,933 | 22,325 |
| Shareholders' equity | 1,612 | 1,317 | 1,414 | 1,668 | 1,851 |
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Operating cash flow | 377 | 333 | 139 | 171 | 218 |
| Capital expenditure | 22.4 | 28.8 | 9.4 | 9.7 | 34.1 |
| Free cash flow | 355 | 304 | 129 | 161 | 184 |
| Depreciation & amortisation | 21.1 | 21.4 | 21.3 | 20.1 | 18.8 |
| Stock-based compensation | 13.3 | 16.1 | 15.7 | 14.4 | 16.2 |
| Share buybacks | 31.3 | 55.1 | 9.9 | 0.0 | 5.0 |
| Dividends paid | 111 | 113 | 112 | 112 | 113 |
| Dividend per share | 2.74 | 2.80 | 2.80 | 2.80 | 2.80 |
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Revenue growth (YoY) | – | – | 3.0% | 5.2% | −0.1% |
| EPS growth (YoY) | – | −12.3% | −24.5% | −16.4% | 33.8% |
| Net margin | – | 200.4% | 147.6% | 122.9% | 168.9% |
| Return on equityBlank when equity is negative | 15.7% | 17.1% | 12.1% | 9.0% | 11.1% |
| Free cash flow margin | – | 270.0% | 111.5% | 132.1% | 151.1% |
| Cash conversion (CFO ÷ net income) | 1.49x | 1.47x | 0.81x | 1.14x | 1.06x |
| Debt ÷ equity | 0.01x | 0.31x | 0.39x | 0.33x | 0.30x |
| Net debtDebt − cash & equivalents; excludes investments; negative = net cash | −550 | 8.5 | −451 | −214 | −397 |
Standardised figures from the company's XBRL filings with the SEC (10-K, 10-Q). Line items follow US GAAP tags, so a company's own statement layout may differ and some lines show “–” where the company does not report that item. Ratios are calculated from these figures. For education only; not investment advice or a recommendation.