2026 HNL to BOB Historical Review

YEARLY HIGH

0.4524 BOB

YEARLY LOW

0.2575 BOB

YEARLY AVERAGE

0.2905 BOB

2026 HNL to BOB Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2026

During 2026, the HNL to BOB exchange rate experienced significant fluctuation. The market reached its absolute peak on August 5, valuing the pair at 0.4524. Conversely, the yearly low was recorded on July 11, dropping to 0.2575.

This high-to-low spread represents a total annual volatility of 0.1948 BOB. From a start-to-finish perspective, comparing the January average rate of 0.2619 to the December average rate of 0.4467, the exchange rate registered a net change of 70.58% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2026 high of 0.4524 was up 65.94% compared to the 2025 peak of 0.2726, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

Comparing the value generated converting 5,000 HNL based on timing:

Yearly Peak High 2,262 BOB

2025 Average 1,329 BOB

Yearly Trough Low 1,288 BOB

Transaction Impact: A difference of 974.23 BOB purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2026.

0.4655

0.2401

JanuMarcMayJuly

HNL to BOB Seasonal Trends & Volatility Analysis

A structured review of seasonal halves, trading extremes, consecutive streaks, and historical baselines.

Seasonal Halves (H1 vs H2)

Seasonal

The average exchange rate in the first half of the year (H1: Jan–Jun) was 0.2604, compared to 0.3810 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.1206 points.

H1 Avg (Jan–Jun) 0.2604

H2 Avg (Jul–Dec) 0.3810

Volatility Range Comparison

Volatility

The most volatile month in 2026 was July, with a trading range of 0.1805 BOB (High: 0.4380 / Low: 0.2575). On the other end, May was the most stable month, with a tight range of 0.0005 BOB (High: 0.2601 / Low: 0.2596).

July Spread (Volatile) ±0.1805

May Spread (Stable) ±0.0005

Growth Streaks & Declines

Trends

Between June and August, the exchange rate recorded its longest consecutive growth streak of the year, climbing for 2 straight months. Conversely, the sharpest month-over-month decline occurred between March and April, when the average rate fell by 0.0010 points.

Longest Streak 2 Mo.

Sharpest MoM Drop -0.0010

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (August 2026: 0.4467) against the same month in 2025 (average: 0.2630), the exchange rate shifted by +0.1836 (+69.81%).

2026 Avg (August) 0.4467

2025 Avg (August) 0.2630

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.2640	0.2606	0.2619
February	0.2625	0.2603	0.2612
March	0.2625	0.2597	0.2608
April	0.2607	0.2591	0.2598
May	0.2601	0.2596	0.2598
June	0.2603	0.2582	0.2589
July	0.4380	0.2575	0.3153
August	0.4524	0.4422	0.4467