First Hawaiian Inc (FHB)

NASDAQ:FHB

FHB

First Hawaiian

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First Hawaiian (FHB) Earnings Dates, Call Summary & Reports

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Earnings Data

Report Date

Jul 24, 2026

After Close (Confirmed)

Period Ending

2026 (Q2)

Consensus EPS Forecast

0.58

Last Year’s EPS

0.58

Same Quarter Last Year

Analyst Consensus

Moderate Sell

Based on 9 Analysts Ratings

Earnings Call Summary

Q1 2026

Earnings Call Date:Apr 24, 2026|

% Change Since:

Earnings Call Sentiment|Positive

The call conveyed a generally positive operational and financial starting position: loan and deposit growth, strong credit metrics, healthy capital and active buybacks, and a constructive NIM outlook driven by predictable balance-sheet repricing. Offsetting factors include modest sequential pressure on NII and NIM from the prior rate cut, a decline in noninterest income (timing-related), expected expense growth through the year, near-term CD rolloffs, and external uncertainties from recent natural disasters and competitive pressures. Overall, management maintained constructive guidance and emphasized conservative credit and capital positioning.

Company Guidance

The company guided to full‑year loan growth of 3–4%, a full‑year NIM of 3.22%–3.23% (Q1 NIM was 3.19% with Q2 expected to be up 2–3 bps sequentially), full‑year noninterest income of about $220 million and full‑year expenses of about $520 million; its outlook assumes continued balance‑sheet repricing with roughly $400 million of fixed‑rate cash flows repricing each quarter (about a 155‑bp spread between roll‑off and roll‑on), roughly $600 million of securities roll‑off and $1.0 billion of loan cash flows for the year, roll‑off yields near 4% and blended new asset yields around 5.5%. Key deposit and funding metrics baked into the view include Q1 deposit growth of $262 million (public deposits +$244 million), a noninterest‑bearing ratio of 31%, total cost of deposits down 7 bps to 1.22% (March at ~1.20%), and Q2 CD maturities of about $1.0 billion (rolling from ~2.90% toward ~2.50%). Q1 context cited alongside the guidance: NII $167.5M, noninterest income $52.8M, noninterest expense $127.9M, ROATA 1.2%, ROATE 15.3%, effective tax rate 22.5%; credit assumptions include criticized assets down 21 bps, NPAs/90+ days at 30 bps, QTD net charge‑offs $4.9M (14 bps), a $5M provision and an ACL of $169M (coverage 1.17% of loans). Share repurchase capacity remains a $250M authorization with roughly $32M repurchased in Q1.

Reserve Position

Allowance for credit losses increased just under $1 million to $169 million, representing a coverage ratio of 1.17% of total loans and leases; company states it is conservatively reserved.

Business Line Momentum

C&I growth strong (Q1 C&I growth of $71 million, including ~$24 million dealer floor-plan growth). CRE growth also contributed positively; wealth and credit-card fee businesses showed stable trends.

Updated Full-Year Outlook

Management updated guidance: full-year loan growth expected 3%–4%; full-year NIM now guided to 3.22%–3.23% (expects Q2 NIM +2–3 bps vs Q1); noninterest income about $220 million; full-year expenses about $520 million.

Loan and Deposit Growth

Total loans grew over $128 million in Q1 (approximately +3.6% annualized). Total deposits increased by $262 million in the quarter, driven primarily by a $244 million increase in public operating balances.

Strong Capital and Share Repurchase Activity

Bank remains well capitalized with ongoing buybacks: repurchased about 1.3 million shares in the quarter at a cost of roughly $32 million (company later referenced $34 million used in Q1). Board has a $250 million repurchase authorization available.

Solid Profitability Metrics

Return on average tangible assets (ROTA) was 1.2% and return on average tangible equity (ROTE) was 15.3% for Q1; effective tax rate for the quarter was 22.5%.

Deposit Cost Improvement and Stable Funding Mix

Total cost of deposits declined 7 basis points to 1.22% in Q1 (March deposit cost was ~1.20%). Noninterest-bearing deposit ratio remained healthy at 31%, supporting a stable core funding base.

Credit Quality Remained Strong

Criticized assets decreased by 21 basis points. Nonperforming assets and loans 90+ days past due were 30 basis points of total loans (down 1 basis point QoQ). Quarter-to-date net charge-offs were $4.9 million, or 14 basis points of average loans (unchanged from prior quarter).

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

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FHB Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Jul 24, 2026	2026 (Q2)	0.57 / -	0.58	―	―	―
Apr 24, 2026	2026 (Q1)	0.54 / 0.55	0.47	17.02% (+0.08)
Jan 30, 2026	2025 (Q4)	0.55 / 0.56	0.56	0.00% (0.00)
Oct 24, 2025	2025 (Q3)	0.52 / 0.59	0.48	22.92% (+0.11)
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)

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
Apr 24, 2026	$26.96	$26.41	-2.04%
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%

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 Jul 24, 2026, After Close (Confirmed).

What is First Hawaiian Inc (FHB) earnings time?

First Hawaiian Inc (FHB) earnings time is at Jul 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 (Q2) is 0.58.