FHB
First Hawaiian·NASDAQ
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FHB fundamentals
First Hawaiian (FHB) released its earnings on Oct 24, 2025: revenue was 226.39M (YoY +7.81%), beat estimates; EPS was 0.59 (YoY +22.92%), beat estimates.
Revenue / YoY
226.39M
+7.81%
EPS / YoY
0.59
+22.92%
Report date
Oct 24, 2025
FHB Earnings Call Summary for Q3,2025
- Loan Growth Momentum: Q4 originations expected to offset Q3 paydowns, with $1B fixed-rate cash flows repricing at 125bp spread.
- NIM Expansion: 8bp Q3 expansion to 3.19%, guided to 3.16-3.20% in Q4. Deposit beta 90% on first rate cut, declining thereafter.
- Deposit Strength: Public operating accounts +$406M, noninterest-bearing deposits 33% of total. Core deposit beta to Fed cuts remains high.
- M&A Cautious: No active discussions, but open to mainland opportunities in Western states. Hawaii market share over 25% limits organic growth.
- Credit Resilience: ACL coverage at 117bp, net charge-offs 12bp, NPAs 26bp. No impact from government shutdown observed.
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Key Indicators
First Hawaiian (FHB) key financial stats and ratios, covering profitability, financial health, and leverage.
First Hawaiian (FHB)'s revenue and profit trends over recent years, visualized with a waterfall chart to showcase the revenue-to-profit funnel.
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First Hawaiian (FHB)'s asset and liability trends over recent years, visualized with a waterfall chart to illustrate changes in its asset-liability structure.
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First Hawaiian (FHB)'s cash flow trends over recent years, visualized with a waterfall chart to illustrate changes in its operating, investing, and financing cash flows.
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Where does First Hawaiian (FHB) generate its revenue? Explore its key revenue streams and top earning regions.
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Track First Hawaiian (FHB) Dividend Yield, Payout Ratio & Sustainability Through Its Dividend History
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You can ask Aime
What is First Hawaiian's gross profit margin?What factors drove the changes in First Hawaiian's revenue and profit?What is First Hawaiian's latest dividend and current dividend yield?What guidance did First Hawaiian's management provide for the next earnings period?What is the market's earnings forecast for First Hawaiian next quarter?What does First Hawaiian do and what are its main business segments?Did First Hawaiian beat or miss consensus estimates last quarter?What were the key takeaways from First Hawaiian's earnings call?
