8-K Announcements
6Apr 24, 2026·SEC
Apr 24, 2026·SEC
Feb 24, 2026·SEC
First Hawaiian, Inc. (FHB) fundamental analysis — strengths, weaknesses & financial health based on data analysis
No significant weaknesses identified
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
First Hawaiian, Inc. (FHB) stock price & volume — 10-year historical chart
First Hawaiian, Inc. (FHB) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
First Hawaiian, Inc. (FHB) EPS & revenue vs analyst estimates — last 4 quarters
| 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% |
First Hawaiian, Inc. (FHB) competitors in Community and retail regional banks — business model, growth, and fundamentals comparison
First Hawaiian, Inc. (FHB) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
First Hawaiian, Inc. (FHB) annual income statement — 10-year revenue, gross profit & net income history
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 528.8M | 566.32M | 573.4M | 535.73M | 530.56M | 613.55M | 636.13M | 622.74M | 663.74M |
| NII Growth % | 7.55% | 7.09% | 1.25% | -6.57% | -0.97% | 15.64% | 3.68% | -2.1% | 6.58% |
| Net Interest Margin % | 2.57% | 2.74% | 2.84% | 2.36% | 2.12% | 2.5% | 2.55% | 2.61% | 2.77% |
| Interest Income | 570.77M | 646.05M | 678.69M | 582.76M | 549.31M | 663.22M | 923.58M | 980.04M | 951.3M |
| Interest Expense | 41.96M | 79.73M | 105.29M | 47.02M | 18.75M | 49.67M | 287.45M | 357.31M | 287.56M |
| Loan Loss Provision | 18.5M | 22.18M | 13.8M | 121.72M | -39M | 1.39M | 26.63M | 14.75M | 27.2M |
| Non-Interest Income | 182.24M | 154.13M | 162.57M | 175.27M | 159.67M | 148.53M | 169.19M | 151.97M | 217.05M |
| Non-Interest Income % | 24.2% | 19.26% | 19.32% | 23.12% | 22.52% | 18.3% | 15.48% | 13.42% | 18.58% |
| Total Revenue | 753.01M▲ 0% | 800.18M▲ 6.3% | 841.26M▲ 5.1% | 758.02M▼ 9.9% | 708.98M▼ 6.5% | 811.75M▲ 14.5% | 1.09B▲ 34.6% | 1.13B▲ 3.6% | 1.17B▲ 3.2% |
| Revenue Growth % | 4.28% | 6.26% | 5.13% | -9.89% | -6.47% | 14.5% | 34.62% | 3.59% | 3.21% |
| Non-Interest Expense | 324.19M | 340.09M | 340.48M | 345.56M | 380.24M | 409.48M | 469.51M | 467.36M | 499.35M |
| Efficiency Ratio | 43.05% | 42.5% | 40.47% | 45.59% | 53.63% | 50.44% | 42.97% | 41.29% | 42.74% |
| Operating Income | 368.36M▲ 0% | 358.18M▼ 2.8% | 381.7M▲ 6.6% | 243.72M▼ 36.1% | 349M▲ 43.2% | 351.21M▲ 0.6% | 309.17M▼ 12.0% | 292.6M▼ 5.4% | 354.24M▲ 21.1% |
| Operating Margin % | 48.92% | 44.76% | 45.37% | 32.15% | 49.22% | 43.27% | 28.29% | 25.85% | 30.32% |
| Operating Income Growth % | -0.93% | -2.76% | 6.57% | -36.15% | 43.19% | 0.63% | -11.97% | -5.36% | 21.07% |
| Pretax Income | 368.36M▲ 0% | 358.18M▼ 2.8% | 381.7M▲ 6.6% | 243.72M▼ 36.1% | 349M▲ 43.2% | 351.21M▲ 0.6% | 309.17M▼ 12.0% | 292.6M▼ 5.4% | 354.24M▲ 21.1% |
| Pretax Margin % | 48.92% | 44.76% | 45.37% | 32.15% | 49.22% | 43.27% | 28.29% | 25.85% | 30.32% |
| Income Tax | 184.67M | 93.78M | 97.31M | 57.97M | 83.26M | 85.53M | 74.19M | 62.47M | 77.98M |
| Effective Tax Rate % | 50.13% | 26.18% | 25.49% | 23.79% | 23.86% | 24.35% | 24% | 21.35% | 22.01% |
| Net Income | 183.68M▲ 0% | 264.39M▲ 43.9% | 284.39M▲ 7.6% | 185.75M▼ 34.7% | 265.74M▲ 43.1% | 265.69M▼ 0.0% | 234.98M▼ 11.6% | 230.13M▼ 2.1% | 276.27M▲ 20.0% |
| Net Margin % | 24.39% | 33.04% | 33.81% | 24.5% | 37.48% | 32.73% | 21.5% | 20.33% | 23.65% |
| Net Income Growth % | -20.2% | 43.94% | 7.56% | -34.68% | 43.06% | -0.02% | -11.56% | -2.07% | 20.05% |
| Net Income (Continuing) | 183.68M | 264.39M | 284.39M | 185.75M | 265.74M | 265.69M | 234.98M | 230.13M | 276.27M |
| EPS (Diluted) | 1.32▲ 0% | 1.93▲ 46.2% | 2.13▲ 10.4% | 1.43▼ 32.9% | 2.05▲ 43.4% | 2.08▲ 1.5% | 1.84▼ 11.5% | 1.79▼ 2.7% | 2.20▲ 22.9% |
| EPS Growth % | -20% | 46.21% | 10.36% | -32.86% | 43.36% | 1.46% | -11.54% | -2.72% | 22.91% |
| EPS (Basic) | 1.32 | 1.93 | 2.14 | 1.43 | 2.06 | 2.08 | 1.84 | 1.80 | 2.21 |
| Diluted Shares Outstanding | 139.66M | 137.11M | 133.39M | 130.22M | 129.54M | 127.98M | 127.92M | 128.33M | 125.51M |
First Hawaiian, Inc. (FHB) balance sheet — assets, liabilities & shareholders' equity
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Cash & Short Term Investments | 6.27B | 5.5B | 4.77B | 1.04B | 9.69B | 3.68B | 4B | 1.18B | 228.73M |
| Cash & Due from Banks | 1.03B | 1B | 694.02M | 1.04B | 1.26B | 526.62M | 1.74B | 1.17B | 228.73M |
| Short Term Investments | 5.23B | 4.5B | 4.08B | 0 | 8.43B | 3.15B | 2.26B | 8.15M | 0 |
| Total Investments | 17.38B | 17.43B | 17.16B | 18.91B | 21B | 21.12B | 20.12B | 19.53B | 0 |
| Investments Growth % | 5.55% | 0.33% | -1.58% | 10.2% | 11.07% | 0.58% | -4.77% | -2.9% | -100% |
| Long-Term Investments | 12.14B | 12.93B | 13.08B | 18.91B | 12.57B | 17.97B | 17.86B | 19.52B | 0 |
| Accounts Receivables | 47.99M | 48.92M | 45.24M | 69.63M | 63.16M | 78.19M | 84.42M | 79.98M | 77.64M |
| Goodwill & Intangibles | 1.01B | 1.01B | 1.01B | 1.01B | 1B | 1B | 1B | 1B | 1B |
| Goodwill | 995.49M | 995.49M | 995.49M | 995.49M | 995.49M | 995.49M | 995.49M | 995.49M | 995.49M |
| Intangible Assets | 13.2M | 16.16M | 12.67M | 10.73M | 8.3M | 6.56M | 5.7M | 5.08M | 4.64M |
| PP&E (Net) | 289.21M | 305M | 316.88M | 322.4M | 318.45M | 280.36M | 281.46M | 288.53M | 303.5M |
| Other Assets | 793.6M | 893.23M | 944.76M | 1.07B | 1.12B | 1.27B | 1.33B | 1.32B | -4.64M |
| Total Current Assets | 6.32B | 5.55B | 4.81B | 1.36B | 9.98B | 4.05B | 4.46B | 1.69B | 306.38M |
| Total Non-Current Assets | 14.23B | 15.14B | 15.35B | 21.31B | 15.01B | 20.52B | 20.47B | 22.14B | 1.3B |
| Total Assets | 20.55B▲ 0% | 20.7B▲ 0.7% | 20.17B▼ 2.6% | 22.66B▲ 12.4% | 24.99B▲ 10.3% | 24.58B▼ 1.7% | 24.93B▲ 1.4% | 23.83B▼ 4.4% | 23.96B▲ 0.5% |
| Asset Growth % | 4.51% | 0.71% | -2.56% | 12.38% | 10.28% | -1.66% | 1.42% | -4.41% | 0.53% |
| Return on Assets (ROA) | 0.91% | 1.28% | 1.39% | 0.87% | 1.12% | 1.07% | 0.95% | 0.94% | 1.16% |
| Accounts Payable | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Debt | 34K | 600.03M | 1B | 200.01M | 0 | 75M | 500M | 250M | 0 |
| Net Debt | -1.03B | -403.61M | 306M | -840.93M | -1.26B | -451.62M | -1.24B | -920.19M | -228.73M |
| Long-Term Debt | 0 | 600M | 200M | 200M | 0 | 0 | 0 | 0 | 0 |
| Short-Term Debt | 0 | 0 | 800M | 0 | 0 | 75M | 500M | 250M | 0 |
| Other Liabilities | 270.54M | 292.84M | -56.76M | 490.99M | 519.35M | 441.61M | 607.75M | 541.35M | 0 |
| Total Current Liabilities | 17.75B | 17.28B | 17.38B | 19.23B | 21.82B | 21.87B | 21.83B | 20.67B | 10.84B |
| Total Non-Current Liabilities | 270.57M | 892.86M | 143.26M | 691M | 519.35M | 441.61M | 607.75M | 541.35M | 0 |
| Total Liabilities | 18.02B | 18.17B | 17.53B | 19.92B | 22.34B | 22.31B | 22.44B | 21.21B | 21.19B |
| Total Equity | 2.53B▲ 0% | 2.52B▼ 0.3% | 2.64B▲ 4.6% | 2.74B▲ 3.9% | 2.66B▼ 3.2% | 2.27B▼ 14.6% | 2.49B▲ 9.6% | 2.62B▲ 5.3% | 2.77B▲ 5.8% |
| Equity Growth % | 2.26% | -0.3% | 4.57% | 3.93% | -3.18% | -14.6% | 9.57% | 5.29% | 5.8% |
| Equity / Assets (Capital Ratio) | 12.32% | 12.2% | 13.09% | 12.11% | 10.63% | 9.23% | 9.97% | 10.98% | 11.56% |
| Return on Equity (ROE) | 7.33% | 10.46% | 11.01% | 6.9% | 9.84% | 10.79% | 9.88% | 9.02% | 10.26% |
| Book Value per Share | 18.13 | 18.41 | 19.79 | 21.07 | 20.51 | 17.73 | 19.44 | 20.40 | 22.07 |
| Tangible BV per Share | 10.91 | 11.04 | 12.24 | 13.35 | 12.76 | 9.90 | 11.61 | 12.60 | 14.10 |
| Common Stock | 1.4M | 1.4M | 1.4M | 1.4M | 1.41M | 1.41M | 1.41M | 1.42M | 1.42M |
| Additional Paid-in Capital | 2.49B | 2.5B | 2.5B | 2.51B | 2.53B | 2.54B | 2.55B | 2.56B | 2.58B |
| Retained Earnings | 139.18M | 291.92M | 437.07M | 473.97M | 604.53M | 736.54M | 837.86M | 934.05M | 1.08B |
| Accumulated OCI | -96.38M | -132.19M | -31.75M | 31.6M | -121.69M | -639.25M | -530.21M | -463.99M | -368.14M |
| Treasury Stock | -282K | -132.13M | -270.14M | -276.89M | -355M | -368.03M | -371.25M | -414.37M | -519.34M |
| Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
First Hawaiian, Inc. (FHB) cash flow — operating, investing & free cash flow history
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations | 269.77M | 351.41M | 296.5M | 209.51M | 417.13M | 430.61M | 255.03M | 317.51M | 335.07M |
| Operating CF Growth % | 22.57% | 30.26% | -15.63% | -29.34% | 99.1% | 3.23% | -40.78% | 24.5% | 5.53% |
| Net Income | 183.68M | 264.39M | 284.39M | 185.75M | 265.74M | 265.69M | 234.98M | 230.13M | 276.27M |
| Depreciation & Amortization | 62.02M | 54.9M | 67.82M | 63.07M | 51.84M | 56.75M | 42.77M | 38.01M | 33.56M |
| Deferred Taxes | 58.92M | -3.6M | 17.06M | -19.4M | 14.12M | 22.14M | -13.66M | -11.29M | -337K |
| Other Non-Cash Items | 11.35M | 44.76M | 16.63M | 102.54M | -30.08M | 3.75M | 20.92M | 37.89M | 23.22M |
| Working Capital Changes | -51.49M | -15.23M | -97.23M | -132.49M | 102.4M | 71.99M | -39.6M | 10.88M | -13.53M |
| Cash from Investing | -971.08M | -257.81M | 375.21M | -2.1B | -2.38B | -965.1M | 1.03B | 548.55M | 264.11M |
| Purchase of Investments | -1.11B | -195.49M | -1.33B | -4.12B | -4.51B | -1.05B | -133.21M | -333.83M | -464.74M |
| Sale/Maturity of Investments | 904.22M | 823.1M | 1.85B | 2.15B | 1.85B | 1.23B | 1.39B | 933.78M | 670.98M |
| Net Investment Activity | -204.69M | 627.61M | 520.86M | -1.97B | -2.66B | 185.15M | 1.26B | 599.95M | 206.23M |
| Acquisitions | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Investing | -756.33M | -849.54M | -116.3M | -100.97M | 299.15M | -1.14B | -218.77M | -22.62M | 89.66M |
| Cash from Financing | 683.89M | -124.61M | -981.34M | 2.24B | 2.18B | -197.36M | -66.92M | -1.44B | -291.62M |
| Dividends Paid | -124.93M | -131.04M | -138.25M | -135.1M | -134.13M | -132.59M | -132.65M | -132.8M | -130.95M |
| Share Repurchases | 0 | -131.8M | -136.24M | -5M | -75M | -9.48M | 0 | -40M | -100.34M |
| Stock Issued | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 275K |
| Net Stock Activity | 0 | -131.8M | -136.24M | -5M | -75M | -9.48M | 0 | -40M | -100.07M |
| Debt Issuance (Net) | -1000K | 1000K | -10K | -1000K | -1000K | 1000K | 1000K | -1000K | -1000K |
| Other Financing | 817.98M | -461.76M | -706.84M | 2.78B | 2.59B | -130.29M | -359.28M | -1.01B | 189.4M |
| Net Change in Cash | -17.41M▲ 0% | -31.01M▼ 78.1% | -309.62M▼ 898.5% | 346.93M▲ 212.0% | 217.53M▼ 37.3% | -731.85M▼ 436.4% | 1.21B▲ 265.8% | -569.71M▼ 147.0% | 307.56M▲ 154.0% |
| Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash at Beginning | 1.05B | 1.03B | 1B | 694.02M | 1.04B | 1.26B | 526.62M | 1.74B | 1.17B |
| Cash at End | 1.03B | 1B | 694.02M | 1.04B | 1.26B | 526.62M | 1.74B | 1.17B | 1.48B |
| Interest Paid | 36.63M | 80.38M | 102.46M | 52.87M | 23M | 44.33M | 262.19M | 362.52M | 293.33M |
| Income Taxes Paid | 145.07M | 43M | 70.51M | 53.27M | 55.35M | 24.69M | 54.02M | 36.27M | 0 |
| Free Cash Flow | 259.71M▲ 0% | 309.09M▲ 19.0% | 267.15M▼ 13.6% | 176.12M▼ 34.1% | 396.67M▲ 125.2% | 417.32M▲ 5.2% | 239.04M▼ 42.7% | 288.74M▲ 20.8% | 303.29M▲ 5.0% |
| FCF Growth % | 26.96% | 19.02% | -13.57% | -34.08% | 125.23% | 5.21% | -42.72% | 20.79% | 5.04% |
First Hawaiian, Inc. (FHB) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | 8.83% | 7.33% | 10.46% | 11.01% | 6.9% | 9.84% | 10.79% | 9.88% | 9.02% | 10.26% |
| Return on Assets (ROA) | 1.18% | 0.91% | 1.28% | 1.39% | 0.87% | 1.12% | 1.07% | 0.95% | 0.94% | 1.16% |
| Net Interest Margin | 2.5% | 2.57% | 2.74% | 2.84% | 2.36% | 2.12% | 2.5% | 2.55% | 2.61% | 2.77% |
| Efficiency Ratio | 43.6% | 43.05% | 42.5% | 40.47% | 45.59% | 53.63% | 50.44% | 42.97% | 41.29% | 42.74% |
| Equity / Assets | 12.6% | 12.32% | 12.2% | 13.09% | 12.11% | 10.63% | 9.23% | 9.97% | 10.98% | 11.56% |
| Book Value / Share | 17.75 | 18.13 | 18.41 | 19.79 | 21.07 | 20.51 | 17.73 | 19.44 | 20.4 | 22.07 |
| NII Growth | 6.58% | 7.55% | 7.09% | 1.25% | -6.57% | -0.97% | 15.64% | 3.68% | -2.1% | 6.58% |
| Dividend Payout | 194.2% | 68.01% | 49.56% | 48.61% | 72.73% | 50.48% | 49.9% | 56.45% | 57.71% | 47.4% |
First Hawaiian, Inc. (FHB) SEC filings — annual & quarterly reports (10-K, 10-Q)
Apr 24, 2026·SEC
Apr 24, 2026·SEC
Feb 24, 2026·SEC
First Hawaiian, Inc. (FHB) stock FAQ — growth, dividends, profitability & financials explained
First Hawaiian, Inc. (FHB) grew revenue by 3.2% over the past year. Growth has been modest.
Yes, First Hawaiian, Inc. (FHB) is profitable, generating $276.3M in net income for fiscal year 2025 (23.6% net margin).
Yes, First Hawaiian, Inc. (FHB) pays a dividend with a yield of 3.78%. This makes it attractive for income-focused investors.
First Hawaiian, Inc. (FHB) has a return on equity (ROE) of 10.3%. This is reasonable for most industries.
First Hawaiian, Inc. (FHB) has a net interest margin (NIM) of 2.8%. NIM has been under pressure due to interest rate environment.
First Hawaiian, Inc. (FHB) has an efficiency ratio of 42.7%. This is excellent, indicating strong cost control.
First Hawaiian, Inc. (FHB) financial analysis — history, returns, DCA and operating performance tools
Historical returns with dividends reinvested
Dollar cost averaging vs lump sum
Yield, growth, payout safety & DRIP
EPS trends, net income & profitability
Long-term charts & historical price data
Sales growth patterns & revenue breakdown
30 years of market, efficiency and balance-sheet ratios
DCF intrinsic value, peer multiples & estimates