2026 HNL to BOB Historical Review

YEARLY HIGH

0.2640 BOB

YEARLY LOW

0.2582 BOB

YEARLY AVERAGE

0.2602 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 January 24, valuing the pair at 0.2640. Conversely, the yearly low was recorded on June 22, dropping to 0.2582.

This high-to-low spread represents a total annual volatility of 0.0058 BOB. From a start-to-finish perspective, comparing the January average rate of 0.2619 to the December average rate of 0.2590, the exchange rate registered a net change of -1.08% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2026 high of 0.2640 was down 3.17% 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 1,320 BOB

2025 Average 1,329 BOB

Yearly Trough Low 1,291 BOB

Transaction Impact: A difference of 28.87 BOB purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2026.

0.2622

0.2586

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 0.2590 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.0013 points.

H1 Avg (Jan–Jun) 0.2604

H2 Avg (Jul–Dec) 0.2590

Volatility Range Comparison

Volatility

The most volatile month in 2026 was January, with a trading range of 0.0033 BOB (High: 0.2640 / Low: 0.2606). On the other end, July was the most stable month, with a tight range of 0.0003 BOB (High: 0.2592 / Low: 0.2589).

January Spread (Volatile) ±0.0033

July Spread (Stable) ±0.0003

Growth Streaks & Declines

Trends

No sustained consecutive month-over-month growth streak of 2+ months occurred in 2026. Conversely, the sharpest month-over-month decline occurred between March and April, when the average rate fell by 0.0010 points.

Longest Streak 1 Mo.

Sharpest MoM Drop -0.0010

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (January 2026: 0.2619) against the same month in 2025 (average: 0.2714), the exchange rate shifted by -0.0096 (-3.52%).

2026 Avg (January) 0.2619

2025 Avg (January) 0.2714

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	0.2592	0.2589	0.2590