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First Hawaiian
First Hawaiian (FHB) investor relations material
First Hawaiian Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary30 Jan, 2026
Executive summary
Achieved net income of $69.9 million ($0.56 per diluted share) in Q4 2025, with return on average tangible equity at 15.8% for Q4 and 16.3% for the full year.
Loans and leases grew by $183.1 million, primarily driven by C&I lending; total loans up 5.2% annualized.
Retail and commercial deposits increased by $233 million, while public deposits declined by $447 million, resulting in a net deposit decrease of $213.9 million.
Asset quality remained strong, with a low net charge-off rate and stable nonperforming assets.
Board declared a $0.26 per share dividend and authorized a new $250 million stock repurchase program.
Financial highlights
Net interest income reached $170.3 million, up $1 million from the prior quarter; net interest margin was 3.21%, up 2 basis points sequentially.
Noninterest income was $55.6 million; noninterest expense was $125.1 million, with an efficiency ratio of 55.1%.
Allowance for credit losses increased to $168.5 million, or 1.18% of total loans and leases.
Tangible book value per share increased to $14.46.
Return on average assets was 1.16%; return on average tangible common equity was 15.76%.
Outlook and guidance
Full-year 2026 loan growth expected in the 3%-4% range, led by CRE and C&I loans.
Full-year NIM projected at 3.16%-3.18%, with headwinds from Fed rate cuts and deposit beta.
Noninterest income expected to be stable at about $220 million; expenses guided to $520 million for 2026.
Expense growth normalizing after prior years of cost control from technology investments and vendor consolidation.
Management remains optimistic, emphasizing continued profitability and growth in loans and deposits.
Explain 'belly of the curve' impact on loans
Breakdown 2026 NIM drivers
Drivers of past expense control and future growth
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Next First Hawaiian earnings date
Q1 202622 Apr, 2026
First Hawaiian
Next First Hawaiian earnings date
Q1 202622 Apr, 2026
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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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