NASDAQ$FHB

First Hawaiian Inc · Q4 2025 earnings

Q4 2025 earnings · · Before market open · Investor relations

Briefing

First Hawaiian reported Q4 2025, net income of $69.9M, diluted EPS of $0.56.

For Q4 2025, First Hawaiian reported net income of $69.9M, diluted EPS was $0.56. The filing discusses segment trends, liquidity, and management's outlook for upcoming periods.

  • Net income $69.9M.
  • Diluted EPS $0.56.
  • First Hawaiian updated capital allocation and operating priorities.

Headline financials

Total Revenue

$226M

Previous: $188M+20.1%
EPS (adj)

$0.56

Previous: $0.41+36.6%
Efficiency Ratio

55.1%

Previous: 65.5%-15.8%
Return on Average Total Assets

1.2%

Previous: 0.9%+31.8%
Return on Average Tangible Assets (Non-GAAP)

1.2%

Previous: 0.9%+31.5%
Return on Average Total Stockholders' Equity

10.1%

Previous: 7.9%+26.8%
Return on Average Tangible Stockholders' Equity (Non-GAAP)

15.8%

Previous: 12.8%+23.3%
Net Interest Margin

3.2%

Previous: 3.0%+5.9%
Tier 1 Leverage Ratio

9.3%

Previous: 9.1%+1.4%
Common Equity Tier 1 Capital Ratio

13.2%

Previous: 12.8%+2.9%
Total Capital Ratio

14.4%

Previous: 14.0%+3.1%
Effective Tax Rate

24.8%

Previous: 23.2%+6.9%
Allowance for Credit Losses for Loans and Leases / Total Loans and Leases

1.2%

Previous: 1.1%+6.3%
Non-Accrual Loans and Leases / Total Loans and Leases

0.3%

Previous: 0.1%+107.1%
Total Stockholders' Equity to Total Assets

11.6%

Previous: 11.0%+5.3%
Tangible Stockholders' Equity to Tangible Assets (Non-GAAP)

7.7%

Previous: 7.1%+8.9%
Net Income

$69.9M

Previous: $52.5M+33.2%
Operating Income

$93.1M

Previous: $64.7M+43.7%

Revenue & EPS history

First Hawaiian · Revenue · Quarterly

$226M

Q4 2025+20.1%vs Q4 2024
Beat estimate in 10 of 15 quarters(67%)
ActualEstimate

Revenue by segment

First Hawaiian · $53.6M total across 6 segments · Q4 2020

  • Credit and Debit Card Fees
    $15.6M
  • Other
    $9.96M
  • Trust and Investment Services Income
    $8.73M
  • Other Service Charges and Fees
    $8.4M
  • Service Charges on Deposit Accounts
    $6.77M
  • Bank-Owned Life Insurance
    $4.16M

Forward guidance

Management discusses First Hawaiian's outlook, including capital deployment, operating priorities, and key risks, alongside any formal guidance in the earnings materials.

Tailwinds

  • First Hawaiian cites execution on strategic priorities and demand in core markets.
  • Liquidity and balance sheet capacity support continued investment and returns.

Headwinds

  • Macro, rates, and input costs may pressure margins or volumes.
  • Segment mix and non-recurring items can affect sequential comparability.

Historical earnings impact

How earnings announcements have historically affected this stock's price.

Avg. return before/after earnings

Based on 20 quarterly earnings reports · overlaid with Q4 2025

Historical avgQ4 2025

+0.3%

Avg return

Earnings day

-0.3%

Avg return

5 days after

-0.2%

Avg return

30 days after

51%

23 / 45 earnings

Positive

+11.0%

Q1 2020

Best reaction

-9.1%

Q2 2020

Worst reaction

Earnings price reactions
QuarterReport dateReaction (Day 0)+5 days+30 days
Q1 2026-0.2%-0.1%+1.4%
Q4 2025-3.8%-1.6%-10.2%
Q3 2025+4.7%+3.3%+3.9%
Q2 2025+0.2%-1.8%+2.2%
Q1 2025+0.8%-1.5%+0.6%
Q4 2024+3.1%+4.7%+0.4%
Q3 2024+4.0%+4.8%+16.3%
Q2 2024+0.4%-0.3%-3.4%
Q1 2024-2.5%-2.4%-6.8%
Q4 2023+5.3%+0.4%-2.1%
Q3 2023-0.7%-0.7%+5.4%
Q2 2023-5.6%-6.5%-14.8%
Q1 2023-6.0%-12.2%-13.2%
Q4 2022+5.7%+7.9%+6.6%
Q3 2022-0.9%-1.9%+3.5%
Q2 2022+5.4%+5.2%+7.4%
Q1 2022-6.8%-11.5%-11.0%
Q4 2021-1.1%-1.1%+0.6%
Q3 2021-1.2%-7.4%-6.6%
Q2 2021+3.5%+3.4%+0.4%
Q1 2021-0.3%+1.3%+4.4%
Q4 2020-1.7%-6.2%+8.0%
Q3 2020+5.4%-2.4%+28.2%
Q2 2020-9.1%-5.8%-12.6%
Q1 2020+11.0%+12.0%-2.6%
Q4 2019+2.0%+1.9%-12.3%
Q3 2019-1.7%-1.1%+0.5%
Q2 2019+2.9%+1.7%-6.7%
Q1 2019+1.3%+2.3%-4.0%
Q4 2018+4.5%+7.2%+9.7%
Q3 2018+1.4%+5.9%+7.5%
Q2 2018+0.4%+0.9%+3.2%
Q1 2018-0.7%-2.5%+1.9%
Q4 2017-7.8%-9.3%-9.8%
Q3 2017-2.1%-1.8%-6.3%
Q2 2017-2.3%+0.1%-8.2%
Q1 2016-2.2%-1.6%-7.2%
Q1 2017-2.5%-3.5%-8.0%
Q4 2015-0.3%-2.1%-9.7%
Q4 2014-0.3%-2.1%-9.7%
Q4 2016+4.5%+3.8%-1.9%
Q3 2015+4.3%+7.1%+21.7%
Q3 2016+0.5%-0.5%+17.6%
Q2 2016+2.2%+1.0%+2.6%
Q2 2015+2.2%+1.0%+2.6%
Q1 2015

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