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First Hawaiian Inc (FHB)
:FHB
Earnings Data
Report Date
Jul 25, 2025TBA Not Confirmed
Period Ending
2025 (Q2)Consensus EPS Forecast
0.49Last Year’s EPS
0.48Same Quarter Last Year
Moderate Sell
Based on 6 Analysts Ratings
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Earnings Call Summary
Earnings Call Date:Apr 23, 2025
|% Change Since: -1.89%
|Next Earnings Date:Jul 25, 2025
Earnings Call Sentiment|Neutral
The earnings call highlights a stable economic environment and strong internal financial management, with improvements in unemployment, visitor spending, and credit quality. However, challenges remain with declining commercial real estate loans, deposit fluctuations, and increased macroeconomic uncertainty.Company Guidance
In the First Hawaiian Bank's first-quarter 2025 earnings call, several key financial metrics and guidance were highlighted. The bank reported a 5 basis point increase in net interest margin (NIM) due to declining deposit costs and investment portfolio restructuring. Net interest income rose to $160.5 million, $1.8 million higher than the previous quarter. Total loans declined by $115 million, or 0.8%, mainly due to payoffs in commercial real estate loans, while retail deposits increased by $105 million, and commercial deposits decreased by $167 million. The total cost of deposits fell by 11 basis points during the quarter. Noninterest income and expenses were stable at $50.5 million and $123.6 million, respectively. The bank's credit risk remained low, with classified assets decreasing by $3 million and nonperforming assets at 17 basis points. The allowance for credit losses increased to $166.6 million, reflecting a more pessimistic economic forecast. Additionally, the bank repurchased 974,000 shares, costing $25 million, with $75 million remaining under the 2025 stock repurchase plan. Despite uncertainties in the economy, the bank maintained its outlook for low to mid-single-digit loan growth for the year, emphasizing strong credit quality and robust deposit performance.Stable Unemployment and Increased Visitor Spending
Statewide unemployment remains stable at 3%, better than the national rate of 4.1%. Visitor arrivals increased by 1% and spending by 4.5% compared to the previous year.
Controlled Expenses and Improved Net Interest Margin
Net interest income increased by $1.8 million from the prior quarter, driven by lower deposit costs and investment portfolio restructuring, resulting in a 5 basis point increase in NIM.
Strong Credit Quality
The bank maintained excellent credit quality with nonperforming assets and 90-day past due loans at 17 basis points, down 2 basis points from the prior quarter.
Successful Stock Repurchase
Repurchased about 974,000 shares at a total cost of $25 million, with $75 million remaining in the 2025 stock repurchase plan.
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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
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FHB Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
| Apr 23, 2025 | $23.29 | $23.48 | +0.82% |
| Jan 31, 2025 | $26.54 | $27.36 | +3.09% |
| Oct 25, 2024 | $23.54 | $23.50 | -0.17% |
| Jul 26, 2024 | $24.37 | $25.32 | +3.90% |
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.
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FAQ
When does First Hawaiian Inc (FHB) report earnings?
First Hawaiian Inc (FHB) is schdueled to report earning on Jul 25, 2025, TBA Not Confirmed.
What is First Hawaiian Inc (FHB) earnings time?
First Hawaiian Inc (FHB) earnings time is at Jul 25, 2025, TBA Not 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 2025 (Q2) is 0.49.
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