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First Hawaiian Inc (FHB)
NASDAQ:FHB
US Market
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First Hawaiian (FHB) Earnings Dates, Call Summary & Reports

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Earnings Data

Report Date
Oct 24, 2025
After Close (Confirmed)
Period Ending
2025 (Q3)
Consensus EPS Forecast
0.52
Last Year’s EPS
0.48
Same Quarter Last Year
Moderate Sell
Based on 7 Analysts Ratings

Earnings Call Summary

Q2 2025
Earnings Call Date:Jul 25, 2025|
% Change Since:
|
Earnings Call Sentiment|Neutral
The earnings call reveals a strong financial performance with significant net income growth, stable balance sheet, and strong credit metrics. However, there are concerns about deposit declines, increased classified assets, and adjusted loan growth expectations.
Company Guidance
During the Second Quarter 2025 Earnings Conference Call for First Hawaiian Bank Inc., the company reported a robust performance with a net income increase of over 23% from the previous quarter. Key drivers included higher net interest and noninterest income, effective expense management, and reduced provision expenses. The quarter saw a $5.1 million net benefit from a change in California tax law. The bank's balance sheet remained strong, with stable loans and deposits, and a strategic repurchase of about 1 million shares at $25 million, leaving $50 million in remaining authorization under the 2025 stock repurchase plan. Total loans grew by $59 million, a 0.4% increase, primarily from a $125 million boost in the C&I portfolio. The bank anticipates full-year loan growth in the low single digits. Deposit costs decreased by 4 basis points, with a stable noninterest-bearing deposit ratio of 34%. Net interest income reached $163.6 million, up by $3.1 million, with a net interest margin of 3.11%, projected to rise slightly in the next quarter. Noninterest income was $54 million, with expectations of recurring income at approximately $51 million per quarter. Credit metrics remained healthy, with a slight uptick in classified assets but low net charge-offs and nonperforming assets. The bank maintains a conservative reserve posture, ready for a range of economic outcomes.
Strong Net Income Growth
Net income increased over 23% compared to the prior quarter, driven by higher net interest and noninterest income, effective expense control, and lower provision expense.
Solid Balance Sheet and Liquidity
The balance sheet remains solid with ample liquidity. Loans and deposits were stable, and 1 million shares were repurchased at a total cost of $25 million.
Increase in Total Loans
Total loans increased by $59 million or 0.4% from the prior quarter, with the largest increase in the C&I portfolio due to a $125 million increase in dealer floor plan balances.
Slight Increase in Net Interest Margin
Net interest income was $163.6 million, $3.1 million higher than the prior quarter, and the NIM was 3.11%, up 3 basis points compared to the prior quarter.
Strong Credit Metrics
Credit risk remains low and stable, with quarter-to-date net charge-offs at $3.3 million or 9 basis points, and year-to-date net charge-offs at $7.1 million.

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

FHB Earnings History

Report Date
Fiscal Quarter
Forecast / EPS
Last Year's EPS
EPS YoY Change
Press Release
Slides
Play Transcript
Oct 24, 2025
2025 (Q3)
0.52 / -
0.48
Jul 25, 2025
2025 (Q2)
0.49 / 0.58
0.4820.83% (+0.10)
Apr 23, 2025
2025 (Q1)
0.46 / 0.47
0.4211.90% (+0.05)
Jan 31, 2025
2024 (Q4)
0.43 / 0.56
0.3751.35% (+0.19)
Oct 25, 2024
2024 (Q3)
0.44 / 0.48
0.464.35% (+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
0.466.52% (+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
$24.93$25.15+0.88%
Apr 23, 2025
$22.80$22.98+0.79%
Jan 31, 2025
$25.98$26.78+3.08%
Oct 25, 2024
$23.04$23.01-0.13%
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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