First Hawaiian, Inc.(FHB)Earnings, Financials & Key Ratios

FHB•NASDAQ•Banking & Credit

12.7× P/E·Price updated Jun 19, 2026

SectorFinancial Services IndustryRegional Banks Sub-IndustryCommunity and retail regional banks

AboutFirst Hawaiian, Inc. operates as a bank holding company for First Hawaiian Bank that provides a range of banking services to consumer and commercial customers in the United States. It operates through three segments: Retail Banking, Commercial Banking, and Treasury and Other. The company accepts various deposit products, including checking and savings accounts, and other deposit accounts. It also provides residential and commercial mortgage loans, home equity lines of credit, automobile loans and leases, personal lines of credit, installment loans, and small business loans and leases, as well as commercial lease and auto dealer financing. In addition, the company offers personal installment, credit card, individual investment and financial planning, insurance protection, trust and estate, private banking, retirement planning, treasury, and merchant processing services. It operates a network of 54 branches, which include 49 in Hawaii, 3 in Guam, and 2 in Saipan. The company was formerly known as BancWest Corporation and changed its name to First Hawaiian, Inc. in April 2016. First Hawaiian, Inc. was founded in 1858 and is headquartered in Honolulu, Hawaii.Show more

Net Interest Income$664M+6.6%
Total Revenue$1.17B+3.2%
Net Income$276M+20.0%
Return on Equity10.26%+13.7%
Net Interest Margin2.77%+6.0%
Efficiency Ratio42.74%+3.5%
ROA1.16%+22.5%
Equity / Assets11.56%+5.2%
Book Value per Share22.07+8.2%

FHB Key Insights

First Hawaiian, Inc. (FHB) fundamental analysis — strengths, weaknesses & financial health based on data analysis

✓Strengths

✓Strong Piotroski F-Score: 7/9
✓Efficient operations: 42.7% efficiency ratio
✓Well capitalized: 11.6% equity/assets
✓Healthy dividend yield of 3.7%
✓Share count reduced 2.2% through buybacks
✓Trading near 52-week high

✗Weaknesses

No significant weaknesses identified

* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.

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FHB Price & Volume

First Hawaiian, Inc. (FHB) stock price & volume — 10-year historical chart

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FHB Growth Metrics

First Hawaiian, Inc. (FHB) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years5.58%

5 Years9.04%

3 Years12.91%

TTM-

Profit CAGR

10 Years2.6%

5 Years8.26%

3 Years1.31%

TTM20.05%

EPS CAGR

10 Years3.7%

5 Years9%

3 Years1.89%

TTM22.91%

Return on Capital

10 Years10.5%

5 Years9.37%

3 Years8.12%

Last Year4.35%

FHB Recent Earnings

First Hawaiian, Inc. (FHB) EPS & revenue vs analyst estimates — last 4 quarters

Full history →

●Beat EPS 9/12 qtrs (75%)●Beat Revenue 2/12 qtrs (17%)

Q2 2026Latest

Apr 24, 2026

Metric

Actual

Est

EPS

$0.55+3.8%

$0.53

Rev

$220M-0.3%

$221M

Q1 2026

Jan 30, 2026

Metric

Actual

Est

EPS

$0.56+1.8%

$0.55

Rev

$226M+0.2%

$225M

Q4 2025

Oct 24, 2025

Metric

Actual

Est

EPS

$0.59+13.0%

$0.52

Rev

$218M-0.3%

$218M

Q3 2025

Jul 25, 2025

Metric

Actual

Est

EPS

$0.58+18.4%

$0.49

Rev

$209M-4.2%

$218M

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%

Based on last 12 quarters of dataView full earnings history →

Company	Market Cap	Stock Price	P/E Ratio (TTM)	Revenue Growth 1Y	Net Margin	Return on Equity (ROE)	Debt / Equity
BOHBank of Hawaii CorporationDirect Competitor	3.09B	77.85	16.85	5.25%	19%	11.62%	0.05
COLBColumbia Banking System, Inc.Direct Competitor	7.27B	30.55	13.28	8.35%	17.11%	8.39%	0.51
WAFDWaFd, Inc.Direct Competitor	2.81B	36.48	13.87	-1.58%	17.46%	8.02%	0.60
BANRBanner CorporationDirect Competitor	2.2B	64.83	11.49	-0.95%	23.84%	10.34%	0.19
HBCPHome Bancorp, Inc.Direct Competitor	519.47M	66.28	11.29	4.93%	22.01%	11.03%	0.13
CVBFCVB Financial Corp.Direct Competitor	2.83B	20.81	13.69	-2.33%	32.48%	9.25%	0.43
HBANHuntington Bancshares IncorporatedProduct Competitor	26.69B	16.86	12.13	4.38%	17.71%	10.04%	0.76
BOKFBOK Financial CorporationProduct Competitor	7.92B	130.33	14.20	-1.07%	17.38%	9.79%	0.78

Compare FHB vs Peers

First Hawaiian, Inc. (FHB) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs BOH

Most directly comparable listed peer for FHB.

Scale Benchmark

vs V

Larger-name benchmark to compare FHB against a more recognizable public peer.

Peer Set

Compare Top 5

vs BOH, COLB, WAFD, BANR

FHB Income Statement

First Hawaiian, Inc. (FHB) annual income statement — 10-year revenue, gross profit & net income history

10Y historyFree accessUpdated daily

Metric	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

FHB Balance Sheet

First Hawaiian, Inc. (FHB) balance sheet — assets, liabilities & shareholders' equity

Metric	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

FHB Cash Flow Statement

First Hawaiian, Inc. (FHB) cash flow — operating, investing & free cash flow history

Metric	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%

FHB Banking Ratios

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%

FHB SEC Filings & Documents

First Hawaiian, Inc. (FHB) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

Material company update

Apr 24, 2026·SEC

Material company update

Apr 24, 2026·SEC

Material company update

Feb 24, 2026·SEC

10-K Annual Reports

FY 2026

Feb 27, 2026·SEC

FY 2025

Feb 28, 2025·SEC

FY 2024

Feb 28, 2024·SEC

10-Q Quarterly Reports

FY 2025

Nov 3, 2025·SEC

FY 2025

Aug 4, 2025·SEC

FY 2025

May 5, 2025·SEC

FHB Frequently Asked Questions

First Hawaiian, Inc. (FHB) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials

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).

Dividend & Returns

Yes, First Hawaiian, Inc. (FHB) pays a dividend with a yield of 3.74%. 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.

Industry Metrics

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.

What if you invested $1,000 in FHB back in 2000?

Total return calculator · dividends reinvested · 26+ years of data

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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%

Metric

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

Metric

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

1.18B

228.73M

Cash & Due from Banks

1.03B

694.02M

1.04B

1.26B

526.62M

1.74B

1.17B

228.73M

Short Term Investments

5.23B

4.5B

4.08B

8.43B

3.15B

2.26B

8.15M

Total Investments

17.38B

17.43B

17.16B

18.91B

21B

21.12B

20.12B

19.53B

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

Accounts Receivables

47.99M

48.92M

45.24M

69.63M

63.16M

78.19M

84.42M

79.98M

77.64M

Goodwill & Intangibles

1.01B

Goodwill

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

Total Debt

34K

600.03M

200.01M

75M

500M

250M

Net Debt

-1.03B

-403.61M

306M

-840.93M

-1.26B

-451.62M

-1.24B

-920.19M

-228.73M

Long-Term Debt

600M

200M

Short-Term Debt

800M

75M

500M

250M

Other Liabilities

270.54M

292.84M

-56.76M

490.99M

519.35M

441.61M

607.75M

541.35M

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

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

1.41M

1.42M

Additional Paid-in Capital

2.49B

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

Metric

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

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

-131.8M

-136.24M

-5M

-75M

-9.48M

-40M

-100.34M

Stock Issued

275K

Net Stock Activity

-131.8M

-136.24M

-5M

-75M

-9.48M

-40M

-100.07M

Debt Issuance (Net)

-1000K

1000K

-10K

-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

Cash at Beginning

1.05B

1.03B

694.02M

1.04B

1.26B

526.62M

1.74B

1.17B

Cash at End

1.03B

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

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%

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)Earnings, Financials & Key Ratios

FHB Key Insights

✓Strengths

✗Weaknesses

FHB Price & Volume

FHB Growth Metrics

Revenue CAGR

Profit CAGR

EPS CAGR

Return on Capital

FHB Recent Earnings

FHB Peer Comparison

Compare FHB vs Peers

vs BOH

vs V

Compare Top 5

FHB Income Statement

FHB Balance Sheet

FHB Cash Flow Statement

FHB Banking Ratios

FHB SEC Filings & Documents

8-K Announcements

10-K Annual Reports

10-Q Quarterly Reports

FHB Frequently Asked Questions

First Hawaiian, Inc.(FHB)Earnings, Financials & Key Ratios

FHB Key Insights

✓Strengths

✗Weaknesses

FHB Price & Volume

FHB Growth Metrics

Revenue CAGR

Profit CAGR

EPS CAGR

Return on Capital

FHB Recent Earnings

FHB Peer Comparison

Compare FHB vs Peers

vs BOH

vs V

Compare Top 5

FHB Income Statement

FHB Balance Sheet

FHB Cash Flow Statement

FHB Banking Ratios

FHB SEC Filings & Documents

8-K Announcements

10-K Annual Reports

10-Q Quarterly Reports

FHB Frequently Asked Questions