First Hawaiian Bank Q4 2025 Earnings Highlights
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Jan 30 2026
0mins
Should l Buy FHB?
Source: seekingalpha
- Net Interest Income Growth: First Hawaiian Bank reported net interest income of $170.3 million for Q4, an increase of $1 million from the previous quarter, with a net interest margin (NIM) of 3.21%, reflecting the bank's strong performance in the current interest rate environment.
- Deposit Dynamics: Retail and commercial deposits rose by $233 million, while public deposits fell by $447 million, resulting in a net deposit increase of $214 million in Q4, with total deposit costs decreasing by 9 basis points to 1.29%, indicating effective deposit management by the bank.
- Share Buyback Program: During Q4, the bank repurchased approximately 1 million shares, utilizing $26 million of its $100 million buyback authorization for 2025, with a new buyback authorization of $250 million, demonstrating management's confidence in the company's future performance.
- Outlook Projection: Management expects loan growth for 2026 to be in the range of 3% to 4%, with noninterest income stable at about $220 million and expenses projected at $520 million, reflecting a positive outlook and sound financial management strategies.
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Analyst Views on FHB
Wall Street analysts forecast FHB stock price to rise
9 Analyst Rating
0 Buy
6 Hold
3 Sell
Moderate Sell
Current: 27.430
Low
24.00
Averages
27.56
High
29.00
Current: 27.430
Low
24.00
Averages
27.56
High
29.00
About FHB
First Hawaiian, Inc. is a bank holding company. Its principal subsidiary is First Hawaiian Bank (the Bank). The Bank provides a range of banking services to consumer and commercial customers, including deposit products, lending services and wealth management and trust services. Its segments include Retail Banking and Commercial Banking. Its Retail Banking segment includes the financial products and services it provides to consumers and small businesses. It also includes its wealth management services. Loan and lease products are offered for residential and commercial mortgage loans. Its Commercial Banking segment includes its corporate banking-related products, commercial real estate loans, commercial lease financing, secured and unsecured lines of credit, automobile loans and auto dealer financing, business deposit products and credit cards. The Commercial lending and deposit products are offered primarily to middle-market and large companies.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
First Hawaiian Bank Q1 2026 Earnings Call Highlights
- Loan and Deposit Growth: First Hawaiian Bank reported over $128 million in loan growth for Q1 2026, reflecting a 3.6% annualized increase, driven by strong performance in commercial real estate and commercial loans, despite a decline in the residential loan portfolio, indicating effective diversification strategies in their lending operations.
- Share Repurchase Program: The bank repurchased approximately 1.3 million shares at a cost of $32 million during the quarter, demonstrating management's confidence in the company's future performance while providing direct capital returns to shareholders, thereby enhancing market support for its stock price.
- Net Interest Income and Margin: Net interest income for the quarter was $167.5 million, down $2.8 million from the previous quarter, with a net interest margin of 3.19%, a decline of 2 basis points attributed to the impact of the December rate cut, highlighting challenges in the changing interest rate environment.
- Future Outlook and Expense Projections: Management expects loan growth for 2026 to be in the range of 3% to 4%, with noninterest income targeted at approximately $220 million, while forecasting total expenses to reach $520 million, indicating a strategic focus on balancing cost control with revenue growth initiatives.
See More
First Hawaiian Bank Declares Quarterly Dividend
- Quarterly Dividend Announcement: First Hawaiian Bank (FHB) declares a quarterly dividend of $0.26 per share, consistent with previous distributions, demonstrating the company's ongoing ability to maintain stable cash flows, which is likely to attract more investor interest.
- Dividend Yield: The forward yield of 3.86% reflects the company's appeal in the current market environment, potentially boosting shareholder confidence and stabilizing the stock price.
- Financial Performance Beats Expectations: FHB reports a GAAP EPS of $0.56, exceeding expectations by $0.01, with revenue of $225.85M surpassing estimates by $0.42M, indicating effective management in revenue growth and cost control.
- Future Growth Targets: The bank anticipates loan growth of 3%-4% for 2026 and sets a $520M expense target, showcasing an aggressive expansion strategy underpinned by strong deposit trends, aimed at enhancing market competitiveness.
See More
First Hawaiian Bank Declares Quarterly Dividend
- Quarterly Dividend Announcement: First Hawaiian Bank declares a quarterly dividend of $0.26 per share, consistent with previous distributions, indicating the company's ongoing ability to maintain stable cash flows, which is likely to attract more investor interest.
- Dividend Yield: The forward yield of 3.86% reflects the company's appeal in the current market environment, potentially boosting shareholder confidence and stabilizing the stock price.
- Financial Performance Beats Expectations: First Hawaiian's GAAP EPS of $0.56 exceeds expectations by $0.01, with revenue of $225.85 million beating forecasts by $420,000, demonstrating effective management in revenue growth and cost control.
- Future Growth Targets: The bank anticipates loan growth of 3%-4% for 2026 and sets a $520 million expense target, showcasing proactive expansion plans amid strong deposit trends, aimed at enhancing market competitiveness.
See More
First Hawaiian Bank Q1 2023 Earnings Report
- Earnings Beat: First Hawaiian Bank reported a Q1 GAAP EPS of $0.55, exceeding expectations by $0.01, indicating stable profitability amidst market challenges.
- Revenue Miss: The bank's revenue reached $220 million, reflecting a 4.3% year-over-year increase; however, it fell short of expectations by $730,000, highlighting competitive pressures and economic uncertainties.
- Loan Growth Outlook: First Hawaiian anticipates loan growth of 3%-4% for 2026, demonstrating cautious optimism regarding future credit demand while targeting $520 million in expenses to manage costs effectively.
- Strong Deposit Trends: The bank's robust deposit trends indicate customer confidence in its financial products, potentially supporting future loan growth and enhancing its competitive position in the market.
See More
First Hawaiian Reports Q1 Earnings Growth
- Earnings Growth: First Hawaiian, Inc. reported a net income of $67.78 million for Q1, translating to an EPS of $0.55, which marks an increase from last year's $59.25 million and $0.47 per share, indicating improved profitability.
- Revenue Decline: Despite the earnings growth, the company's revenue fell by 2.3% to $229.69 million from $235.15 million last year, highlighting challenges in revenue generation.
- Market Impact: The increase in earnings may bolster investor confidence, although the revenue decline could raise concerns about future growth, potentially affecting overall market reactions based on the earnings versus revenue comparison.
- Financial Health: The earnings growth is closely tied to improved cost control and operational efficiency, and the company will need to focus on strategies for revenue recovery to ensure ongoing financial health.
See More
Wall Street Earnings Season Faces Major Test
- Earnings Season Significance: Wall Street is set for a packed earnings season featuring key companies like Capital One and Boeing, with investors eager to glean insights into the economic impact of the Iran war from these reports.
- Capital One Performance Focus: Capital One is scheduled to report earnings on Tuesday, with market attention on its consumer health metrics and the progress of its acquisitions of Discover and Brex, particularly amid rising economic uncertainties.
- Boeing Earnings Outlook: Boeing is expected to release its earnings report on Wednesday, with market focus on order volumes in both its commercial and defense sectors, as well as free cash flow performance, especially after previous unexpected losses.
- GE Vernova Order Growth: GE Vernova will report alongside Boeing, with first-quarter new orders anticipated to reach $14.4 billion, reflecting a 65% year-over-year increase, indicating strong market performance amid rising electricity demand.
See More
First Hawaiian Bank Q1 2026 Earnings Call Highlights
- Loan and Deposit Growth: First Hawaiian Bank reported over $128 million in loan growth for Q1 2026, reflecting a 3.6% annualized increase, driven by strong performance in commercial real estate and commercial loans, despite a decline in the residential loan portfolio, indicating effective diversification strategies in their lending operations.
- Share Repurchase Program: The bank repurchased approximately 1.3 million shares at a cost of $32 million during the quarter, demonstrating management's confidence in the company's future performance while providing direct capital returns to shareholders, thereby enhancing market support for its stock price.
- Net Interest Income and Margin: Net interest income for the quarter was $167.5 million, down $2.8 million from the previous quarter, with a net interest margin of 3.19%, a decline of 2 basis points attributed to the impact of the December rate cut, highlighting challenges in the changing interest rate environment.
- Future Outlook and Expense Projections: Management expects loan growth for 2026 to be in the range of 3% to 4%, with noninterest income targeted at approximately $220 million, while forecasting total expenses to reach $520 million, indicating a strategic focus on balancing cost control with revenue growth initiatives.
See More
First Hawaiian Bank Declares Quarterly Dividend
- Quarterly Dividend Announcement: First Hawaiian Bank (FHB) declares a quarterly dividend of $0.26 per share, consistent with previous distributions, demonstrating the company's ongoing ability to maintain stable cash flows, which is likely to attract more investor interest.
- Dividend Yield: The forward yield of 3.86% reflects the company's appeal in the current market environment, potentially boosting shareholder confidence and stabilizing the stock price.
- Financial Performance Beats Expectations: FHB reports a GAAP EPS of $0.56, exceeding expectations by $0.01, with revenue of $225.85M surpassing estimates by $0.42M, indicating effective management in revenue growth and cost control.
- Future Growth Targets: The bank anticipates loan growth of 3%-4% for 2026 and sets a $520M expense target, showcasing an aggressive expansion strategy underpinned by strong deposit trends, aimed at enhancing market competitiveness.
See More
First Hawaiian Bank Declares Quarterly Dividend
- Quarterly Dividend Announcement: First Hawaiian Bank declares a quarterly dividend of $0.26 per share, consistent with previous distributions, indicating the company's ongoing ability to maintain stable cash flows, which is likely to attract more investor interest.
- Dividend Yield: The forward yield of 3.86% reflects the company's appeal in the current market environment, potentially boosting shareholder confidence and stabilizing the stock price.
- Financial Performance Beats Expectations: First Hawaiian's GAAP EPS of $0.56 exceeds expectations by $0.01, with revenue of $225.85 million beating forecasts by $420,000, demonstrating effective management in revenue growth and cost control.
- Future Growth Targets: The bank anticipates loan growth of 3%-4% for 2026 and sets a $520 million expense target, showcasing proactive expansion plans amid strong deposit trends, aimed at enhancing market competitiveness.
See More
First Hawaiian Bank Q1 2023 Earnings Report
- Earnings Beat: First Hawaiian Bank reported a Q1 GAAP EPS of $0.55, exceeding expectations by $0.01, indicating stable profitability amidst market challenges.
- Revenue Miss: The bank's revenue reached $220 million, reflecting a 4.3% year-over-year increase; however, it fell short of expectations by $730,000, highlighting competitive pressures and economic uncertainties.
- Loan Growth Outlook: First Hawaiian anticipates loan growth of 3%-4% for 2026, demonstrating cautious optimism regarding future credit demand while targeting $520 million in expenses to manage costs effectively.
- Strong Deposit Trends: The bank's robust deposit trends indicate customer confidence in its financial products, potentially supporting future loan growth and enhancing its competitive position in the market.
See More
First Hawaiian Reports Q1 Earnings Growth
- Earnings Growth: First Hawaiian, Inc. reported a net income of $67.78 million for Q1, translating to an EPS of $0.55, which marks an increase from last year's $59.25 million and $0.47 per share, indicating improved profitability.
- Revenue Decline: Despite the earnings growth, the company's revenue fell by 2.3% to $229.69 million from $235.15 million last year, highlighting challenges in revenue generation.
- Market Impact: The increase in earnings may bolster investor confidence, although the revenue decline could raise concerns about future growth, potentially affecting overall market reactions based on the earnings versus revenue comparison.
- Financial Health: The earnings growth is closely tied to improved cost control and operational efficiency, and the company will need to focus on strategies for revenue recovery to ensure ongoing financial health.
See More
Wall Street Earnings Season Faces Major Test
- Earnings Season Significance: Wall Street is set for a packed earnings season featuring key companies like Capital One and Boeing, with investors eager to glean insights into the economic impact of the Iran war from these reports.
- Capital One Performance Focus: Capital One is scheduled to report earnings on Tuesday, with market attention on its consumer health metrics and the progress of its acquisitions of Discover and Brex, particularly amid rising economic uncertainties.
- Boeing Earnings Outlook: Boeing is expected to release its earnings report on Wednesday, with market focus on order volumes in both its commercial and defense sectors, as well as free cash flow performance, especially after previous unexpected losses.
- GE Vernova Order Growth: GE Vernova will report alongside Boeing, with first-quarter new orders anticipated to reach $14.4 billion, reflecting a 65% year-over-year increase, indicating strong market performance amid rising electricity demand.
See More
