The earnings call reflects a positive outlook with strong financial metrics and growth in net income, despite some challenges in deposits and tourism. The bank's credit risk remains low, and they show a solid balance sheet with effective expense management. While there are some areas of concern, such as a decline in certain deposit categories and weak tourism from Japan and Canada, the overall performance and strategic initiatives suggest a positive trajectory.

Company Guidance -

Q3 2025

During the Second Quarter 2025 Earnings Conference Call, First Hawaiian Bank provided several key metrics and guidance on their financial performance. The bank reported a 23% increase in net income compared to the previous quarter, driven by higher net interest and noninterest income, controlled expenses, and lower provision expenses. The bank also benefited from a change in California tax law, resulting in a net gain of $5.1 million. Total loans increased by $59 million, or 0.4%, with the C&I portfolio seeing a $125 million rise, although this was offset by payoffs in commercial real estate projects. The bank repurchased about 1 million shares at a cost of $25 million and had $50 million remaining under the 2025 stock repurchase plan. Total deposits saw a slight increase, with public deposits rising by $166 million. Noninterest income was $54 million, with expectations of recurring income at around $51 million per quarter. The bank maintained strong credit performance, with net charge-offs at $3.3 million for the quarter and nonperforming assets constituting 23 basis points of total loans, up 6 basis points from the previous quarter. The allowance for credit losses increased by $1.2 million to $167.8 million. Looking forward, the bank expects full-year loan growth in the low single digits and a net interest margin (NIM) increase to 3.13% in the third quarter.

Significant Increase in Net Income

Net income increased by over 23% compared to the prior quarter, driven by higher net interest and noninterest income, and lower provision expense.

Strong Balance Sheet

First Hawaiian Bank remains well-capitalized with ample liquidity, stable loans and deposits, and repurchased about 1 million shares at a total cost of $25 million.

Increase in Visitor Spending

Visitor spending year-to-date is up 6.5% compared to 2024, despite a 3.9% drop in visitor arrivals since 2019, indicating higher spend per visitor.

Stable Net Interest Margin

Net interest income was $163.6 million, $3.1 million higher than the prior quarter, with a net interest margin of 3.11%, up 3 basis points.

Low Credit Risk

The bank maintains strong credit performance with low charge-offs and nonperforming assets comprising only 23 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

Daily Earnings Calendar >

FHB Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Oct 24, 2025	2025 (Q3)	0.52 / -	0.48	―	―	―
Jul 25, 2025	2025 (Q2)	0.49 / 0.58	0.48	20.83% (+0.10)
Apr 23, 2025	2025 (Q1)	0.46 / 0.47	0.42	11.90% (+0.05)
Jan 31, 2025	2024 (Q4)	0.43 / 0.56	0.37	51.35% (+0.19)
Oct 25, 2024	2024 (Q3)	0.44 / 0.48	0.46	4.35% (+0.02)
Jul 26, 2024	2024 (Q2)	0.42 / 0.48	0.49	-2.04% (-0.01)
Apr 26, 2024	2024 (Q1)	0.42 / 0.42	0.52	-19.23% (-0.10)
Jan 26, 2024	2023 (Q4)	0.44 / 0.37	0.62	-40.32% (-0.25)
Oct 27, 2023	2023 (Q3)	0.43 / 0.46	0.54	-14.81% (-0.08)
Jul 28, 2023	2023 (Q2)	0.50 / 0.49	0.46	6.52% (+0.03)

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
Jul 25, 2025	$25.20	$25.42	+0.87%
Apr 23, 2025	$23.04	$23.23	+0.82%
Jan 31, 2025	$26.26	$27.07	+3.08%
Oct 25, 2024	$23.29	$23.26	-0.13%

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 Oct 24, 2025, After Close (Confirmed).

What is First Hawaiian Inc (FHB) earnings time?

First Hawaiian Inc (FHB) earnings time is at Oct 24, 2025, 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 2025 (Q3) is 0.52.

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