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Visual22 Oct 2025
Epiroc's cash spent on M&A
First Hawaiian (FHB) investor relations material
First Hawaiian Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary25 Jul, 2025
Executive summary
Net income for Q2 2025 was $73.2 million, up 23.6% sequentially and 18% year-over-year, with EPS rising to $0.58; results driven by higher net interest and noninterest income, expense control, and a $5.1M California tax benefit.
Efficiency ratio improved to 57.2% from 58.2% sequentially and 59.22% year-over-year.
Return on average total assets was 1.23%; return on average tangible common equity was 17.61%.
Declared a $0.26 per share dividend, consistent with prior quarters.
Total assets reached $23.8 billion, with loans and leases at $14.4 billion and deposits at $20.2 billion as of June 30, 2025.
Financial highlights
Net interest income was $163.6 million, up $3.1 million sequentially and 7% year-over-year; net interest margin increased to 3.11%.
Noninterest income reached $54 million, above recurring expectations and up 4% year-over-year.
Noninterest expense was $124.9 million, up 2% year-over-year, mainly from higher salaries, equipment, and occupancy costs.
Efficiency ratio improved to 57.2%.
Tangible book value per share increased to $13.63.
Outlook and guidance
Full-year loan growth expected in the low single digits, revised down due to construction paydowns.
NIM anticipated to rise to 3.13% in Q3; recurring noninterest income expected at ~$51M per quarter.
Full-year expenses projected at $506M, better than original expectations.
Effective tax rate outlook for the rest of the year is 23.2%.
Management expects to maintain high liquidity and strong capital, with CET1 at 13.03%.
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Next First Hawaiian earnings date
Q3 202524 Oct, 2025
Next First Hawaiian earnings date
Q3 202524 Oct, 2025
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Frequently asked questions
First Hawaiian, Inc. provides a range of banking services to consumer and commercial customers in the United States. The company's Retail Banking Services segment offers various deposit and investment products; personal credit lending products comprising real estate loans, home equity lines of credit, automobile loans, and other consumer loans; debit and credit card products; business banking services; wealth management services; discount brokerage services; trust services; and non-interest-bearing checking and savings accounts. Its Commercial Banking Services segment provides cash management, treasury management, international banking, private client services, and asset based lending products. First Hawaiian, Inc. also provides retail financing products to automobile dealers throughout Hawaii; and commercial lending services primarily to small businesses.
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