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First Hawaiian Inc (FHB)
NASDAQ:FHB
Earnings Data
Report Date
Apr 24, 2026After Close (Confirmed)
Period Ending
2026 (Q1)Consensus EPS Forecast
0.53Last Year’s EPS
0.47Same Quarter Last Year
Moderate Sell
Based on 5 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call presented a largely positive picture: solid profitability, expanding margins, strong capital and liquidity, conservative credit metrics, and clear 2026 guidance. Identified headwinds (public deposit outflows, earlier-than-expected CRE payoffs, a small uptick in NPAs tied to a single relationship, a temporary tax-rate anomaly, expense normalization and some competitive spread pressure) are notable but appear manageable. Management articulated reasonable assumptions for NIM and loan growth and provided a larger, flexible buyback authorization, reinforcing confidence in capital positioning.Company Guidance
Strong Profitability and Margin
Net interest income of $170.3 million in Q4, up $1 million QoQ; NIM expanded to 3.21% in Q4 (up 2 bps QoQ) with an exit December NIM of 3.21%. Return on average tangible equity 15.8% in Q4 and 16.3% for the full year.
Balance Sheet, Capital and Liquidity
Balance sheet described as solid and well-capitalized; repurchased ~1 million shares in February using the remaining $26 million of the 2025 $100 million authorization. New unrestricted stock repurchase authorization of $250 million. CET1 ratio noted above the 12% internal target (13+% referenced).
Loan and Deposit Growth
Total loans grew $183 million in the quarter (5.2% annualized). Good growth in C&I loans and retail/commercial deposits (retail and commercial deposits up $233 million). Net increase in deposits of $214 million in Q4 despite public deposit outflows.
Deposit Cost and Funding Improvement
Total cost of deposits fell 9 basis points to 1.29%; noninterest-bearing deposit ratio 32%. Management expects deposit beta to step down (guidance ~30%–35% after Fed cuts) which supports margin outlook.
Credit Quality and Conservative Reserves
Quarter-to-date net charge-offs $5 million (14 bps of total loans and leases); year-to-date net charge-offs $16.3 million; annual net charge-off rate 11 bps (unchanged QoQ). Nonperforming assets and 90-day past due loans were 31 bps of total loans (up 5 bps, driven by a single relationship). Allowance for credit losses increased $3.2 million to $168.5 million, coverage ~118 bps; Q4 provision of $7.7 million.
Noninterest Income and Expense Discipline
Noninterest income of $55.6 million in Q4. Noninterest expense was $125.1 million in Q4 and management continues to emphasize expense control and technology-enabled efficiencies.
Clear 2026 Financial Guidance
Full-year 2026 outlook: loan growth 3%–4%; full-year NIM expected 3.16%–3.18%; noninterest income ~ $220 million; expenses ~ $520 million.
Local Economic Strengths
Local indicators: state unemployment 2.2% (Nov) vs national 4.5%; year-to-date visitor spending through November $19.6 billion, up ~6% YoY; median single-family home price on Oahu $1.1 million, up 4.3% YoY.
FHB Earnings History
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 |
|---|---|---|---|
Jan 30, 2026 | $27.30 | $26.29 | -3.70% |
Oct 24, 2025 | $23.18 | $24.27 | +4.69% |
Jul 25, 2025 | $24.42 | $24.63 | +0.87% |
Apr 23, 2025 | $22.33 | $22.51 | +0.82% |
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 Apr 24, 2026, After Close (Confirmed).
What is First Hawaiian Inc (FHB) earnings time?
First Hawaiian Inc (FHB) earnings time is at Apr 24, 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.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is FHB EPS forecast?
FHB EPS forecast for the fiscal quarter 2026 (Q1) is 0.53.