8-K Announcements
6Material company update
Apr 24, 2026·SEC
Material company update
Apr 24, 2026·SEC
Material company update
Feb 24, 2026·SEC
First Hawaiian, Inc.(FHB)Earnings, Financials & Key Ratios
FHB•NASDAQ•Banking & Credit
$30.23
13.7× P/E·Price updated Jul 7, 2026
AboutFirst Hawaiian, Inc. operates as a bank holding company for First Hawaiian Bank that provides a range of banking services to consumer and commercial customers in the United States. It operates through three segments: Retail Banking, Commercial Banking, and Treasury and Other. The company accepts various deposit products, including checking and savings accounts, and other deposit accounts. It also provides residential and commercial mortgage loans, home equity lines of credit, automobile loans and leases, personal lines of credit, installment loans, and small business loans and leases, as well as commercial lease and auto dealer financing. In addition, the company offers personal installment, credit card, individual investment and financial planning, insurance protection, trust and estate, private banking, retirement planning, treasury, and merchant processing services. It operates a network of 54 branches, which include 49 in Hawaii, 3 in Guam, and 2 in Saipan. The company was formerly known as BancWest Corporation and changed its name to First Hawaiian, Inc. in April 2016. First Hawaiian, Inc. was founded in 1858 and is headquartered in Honolulu, Hawaii.Show more
- Net Interest Income$664M+6.6%
- Total Revenue$1.17B+3.2%
- Net Income$276M+20.0%
- Return on Equity10.26%+13.7%
- Net Interest Margin2.77%+6.0%
- Efficiency Ratio42.74%+3.5%
- ROA1.16%+22.5%
- Equity / Assets11.56%+5.2%
- Book Value per Share22.07+8.2%
FHB Price & Volume
First Hawaiian, Inc. (FHB) stock price & volume — 10-year historical chart
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Resilient Regional Banking Amidst Geographic Concentration Risks
Investment Thesis • Updated 2026Q1
VerdictNeutral: While the bank offers a 3.5% dividend yield and maintains a stable 45.3% efficiency ratio
Growth:Expanding
Profitability:Moderate
Financial:Healthy
Cash Flow:Stable
Primary Risk:Geographic and tourism concentration
Key Thesis Takeaways
- First Hawaiian demonstrates operational stability through a disciplined 45.3% efficiency ratio and consistent net interest income growth of 4.4% year-over-year as of 2026Q1.
- While the bank maintains a robust capital position with an equity-to-assets ratio of 0.11, investors should monitor the significant $21.3 billion investment securities portfolio for potential duration risk.
- The bank's reliance on the cyclical Hawaiian tourism economy remains a primary risk factor that warrants careful observation of future credit provisioning trends.
Verdict Logic
the significant concentration in the Hawaiian market and the recent $21.3 billion expansion of the securities portfolio suggest a cautious approach is warranted.
FHB Growth Metrics
First Hawaiian, Inc. (FHB) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years5.58%
5 Years9.04%
3 Years12.91%
TTM-
Profit CAGR
10 Years2.6%
5 Years8.26%
3 Years1.31%
TTM21.11%
EPS CAGR
10 Years3.7%
5 Years9%
3 Years1.89%
TTM23.91%
Return on Capital
10 Years10.5%
5 Years9.37%
3 Years8.12%
Last Year4.35%
FHB Recent Earnings
First Hawaiian, Inc. (FHB) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 9/12 qtrs (75%)●Beat Revenue 2/12 qtrs (17%)
Q2 2026Latest
Apr 24, 2026Metric
Actual
Est
EPS
$0.55+3.8%
$0.53
Rev
$220M-0.3%
$221M
Q1 2026
Jan 30, 2026Metric
Actual
Est
EPS
$0.56+1.8%
$0.55
Rev
$226M+0.2%
$225M
Q4 2025
Oct 24, 2025Metric
Actual
Est
EPS
$0.59+13.0%
$0.52
Rev
$218M-0.3%
$218M
Q3 2025
Jul 25, 2025Metric
Actual
Est
EPS
$0.58+18.4%
$0.49
Rev
$209M-4.2%
$218M
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 24, 2026 | $0.55vs $0.53+3.8% | $220Mvs $221M-0.3% |
| Q1 2026 | Jan 30, 2026 | $0.56vs $0.55+1.8% | $226Mvs $225M+0.2% |
| Q4 2025 | Oct 24, 2025 | $0.59vs $0.52+13.0% | $218Mvs $218M-0.3% |
| Q3 2025 | Jul 25, 2025 | $0.58vs $0.49+18.4% | $209Mvs $218M-4.2% |
Based on last 12 quarters of dataView full earnings history →
Peers Comparison
Key metrics vs top competitors for First Hawaiian, Inc. (FHB)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $30.23 | $3.68B | 13.74 | 3.21% | 23.65% | 10.26% | 3.45% | |
| $82.69 | $3.28B | 17.90 | 3.12% | 20.53% | 12.12% | — | |
| $32.12 | $7.65B | 13.97 | 8.35% | 19.56% | 9.16% | — | |
| $37.65 | $2.78B | 14.32 | -1.58% | 18.26% | 8.36% | — | |
| $67.33 | $2.29B | 11.94 | -0.95% | 24.82% | 10.66% | — | |
| $68.55 | $537.61M | 11.68 | 4.93% | 22.17% | 10.86% | — |
Compare FHB vs Peers
First Hawaiian, Inc. (FHB) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
FHB SEC Filings & Documents
First Hawaiian, Inc. (FHB) SEC filings — annual & quarterly reports (10-K, 10-Q)
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FHB Frequently Asked Questions
First Hawaiian, Inc. (FHB) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
How fast is First Hawaiian, Inc. growing?
First Hawaiian, Inc. (FHB) grew revenue by 3.2% over the past year. Growth has been modest.
Is FHB profitable?
Yes, First Hawaiian, Inc. (FHB) is profitable, generating $284.8M in net income for fiscal year 2025 (23.6% net margin).
Dividend & Returns
Does FHB pay dividends?
Yes, First Hawaiian, Inc. (FHB) pays a dividend with a yield of 3.45%. This makes it attractive for income-focused investors.
What is FHB's return on equity?
First Hawaiian, Inc. (FHB) has a return on equity (ROE) of 10.3%. This is reasonable for most industries.
Industry Metrics
What is First Hawaiian, Inc.'s net interest margin?
First Hawaiian, Inc. (FHB) has a net interest margin (NIM) of 2.8%. NIM has been under pressure due to interest rate environment.
What is First Hawaiian, Inc.'s efficiency ratio?
First Hawaiian, Inc. (FHB) has an efficiency ratio of 42.7%. This is excellent, indicating strong cost control.