Bank of Hawaii (BOH) reported $162.73 million in revenue for the quarter ended September 2024, representing a year-over-year decline of 5%. EPS of $0.93 for the same period compares to $1.17 a year ago.

The reported revenue represents a surprise of +1.52% over the Zacks Consensus Estimate of $160.29 million. With the consensus EPS estimate being $0.81, the EPS surprise was +14.81%.

While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.

As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.

Here is how Bank of Hawaii performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:

• Efficiency Ratio: 65.8% versus 67.4% estimated by three analysts on average.
• Net Interest Margin: 2.2% versus the three-analyst average estimate of 2.2%.
• Net charge-offs to average loans: 0.1% versus 0.1% estimated by two analysts on average.
• Average Balance - Total interest earning assets: $21.76 billion versus $21.69 billion estimated by two analysts on average.
• Total Non-Accrual Loans and Leases: $17.11 million versus the two-analyst average estimate of $12.92 million.
• Total Non-Performing Assets: $19.78 million versus $15.32 million estimated by two analysts on average.
• Net Interest Income (FTE): $118.70 million versus $117.35 million estimated by two analysts on average.
• Annuity and Insurance: $1.46 million compared to the $1.17 million average estimate based on two analysts.
• Bank-Owned Life Insurance: $3.53 million compared to the $3.28 million average estimate based on two analysts.
• Trust and Asset Management: $11.92 million versus $11.70 million estimated by two analysts on average.
• Mortgage Banking: $1.19 million compared to the $1 million average estimate based on two analysts.
• Net Interest Income: $117.62 million versus the two-analyst average estimate of $116.65 million.

View all Key Company Metrics for Bank of Hawaii here>>>

Shares of Bank of Hawaii have returned +5.8% over the past month versus the Zacks S&P 500 composite's +2% change. The stock currently has a Zacks Rank #4 (Sell), indicating that it could underperform the broader market in the near term.

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