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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.
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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