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First Hawaiian (FHB) investor relations material
First Hawaiian Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary24 Oct, 2025
Executive summary
Net income for Q3 2025 was $73.8 million, up from $73.2 million in Q2 2025 and $61.5 million in Q3 2024, with EPS of $0.59 and a 23% year-over-year increase.
Return on average total assets was 1.22% and return on average equity was 10.81% for Q3 2025.
Efficiency ratio improved to 55.3% from 57.2% in Q2 2025 and 59.77% in Q3 2024.
Board declared a quarterly cash dividend of $0.26 per share, payable November 28, 2025.
Asset quality remained strong with low nonperforming assets and stable allowance for credit losses.
Financial highlights
Net interest income was $169.3 million, up $5.7 million sequentially and 8% year-over-year; net interest margin increased to 3.19%.
Noninterest income reached $57.1 million, up $3.1 million sequentially and 7% year-over-year, driven by higher service charges, BOLI income, and swap fees.
Noninterest expense was $125.7 million, nearly flat sequentially, with an improved efficiency ratio.
Total deposits increased by $498 million, driven by a $406 million rise in public deposits, with commercial and retail deposit trends impacted by seasonality.
Total loans and leases declined by $222.5 million, mainly from C&I paydowns and dealer flooring balances.
Outlook and guidance
Management expects continued resilience but notes ongoing inflationary pressures, housing affordability challenges, and economic uncertainties.
NIM expected to advance a few basis points in Q4, with positive momentum from loan and deposit outlook and anticipated Fed rate cuts.
Full-year expenses projected to come in below the previous outlook of $506 million.
Non-interest income run rate guidance raised to $54 million per quarter.
Uncertainty remains due to federal government shutdown and potential impacts from new tax legislation.
What drove the $222.5M loan portfolio decline?
Detail NIM drivers: asset/liability rate changes
Explain the decline in ACL coverage ratio?
Discuss NIM trajectory with multiple Fed cuts
Elaborate on loan growth strategy and pool purchases
Assess long-term federal spending impact on Hawaii
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Next First Hawaiian earnings date
Q4 202530 Jan, 2026
Next First Hawaiian earnings date
Q4 202530 Jan, 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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