The earnings call reflected a positive sentiment with strong deposit growth, margin expansion, and robust credit performance. However, challenges included a decline in the loan portfolio and concerns about the federal government shutdown's impact on families.
Company Guidance
During the First Hawaiian, Inc. Third Quarter 2025 Earnings Conference Call, the company provided guidance on various financial metrics. Net income improved from the prior quarter due to higher net interest and noninterest income, despite a higher effective tax rate of 23.2%. The balance sheet remained robust, with a $223 million decline in total loans primarily driven by reductions in dealer flooring balances and corporate line paydowns. Average deposits increased by $500 million, bolstered by a $135 million rise in commercial deposits and a $406 million surge in public deposits. The net interest margin (NIM) increased by 8 basis points to 3.19%, with expectations for positive momentum in the fourth quarter. Noninterest income totaled $57.1 million, with a normalized run rate anticipated at $54 million per quarter. The bank maintained strong credit metrics, with a $4.5 million provision for credit losses and classified assets increasing by $30.1 million due to a single borrower.
Record Visitor Spending
Visitor spending year-to-date was $4.6 billion, up 4.5% compared to the same period last year.
Strong Deposit Growth
Total deposits increased by about $500 million in the third quarter, with commercial deposits up by $135 million.
Margin Expansion
Net interest income was $169.3 million, $5.7 million higher than the prior quarter, with a net interest margin of 3.19%, up 8 basis points.
Strong Credit Performance
The bank maintained strong credit metrics with net charge-offs at 12 basis points of total loans and leases.
First Hawaiian (FHB) Earnings, Revenues Date & History
The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
FHB Earnings-Related Price Changes
Report Date
Price 1 Day Before
Price 1 Day After
Percentage Change
Oct 24, 2025
$23.67
$24.78
+4.69%
Jul 25, 2025
$24.93
$25.15
+0.88%
Apr 23, 2025
$22.80
$22.98
+0.79%
Jan 31, 2025
$25.98
$26.78
+3.08%
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
FAQ
When does First Hawaiian Inc (FHB) report earnings?
First Hawaiian Inc (FHB) is schdueled to report earning on Jan 23, 2026, After Close (Confirmed).
What is First Hawaiian Inc (FHB) earnings time?
First Hawaiian Inc (FHB) earnings time is at Jan 23, 2026, After Close (Confirmed).
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.