The Motley Fool·Oct 26, 2026
First Hawaiian: 3 Key Takeaways for Long-Term InvestorsFirst Hawaiian reduced full-year loan growth guidance to 1% to 2%. Net interest margin expanded 5 basis points to 3.30%.
First Hawaiian's net interest income has risen from $152.9M in Q2 2024 to $174.1M in Q3 2026, but quarterly growth has decelerated from 8.1% in Q3 2025 to 2.8%, suggesting the rate tailwind is maturing.
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Trailing total returns as of 11/8/2026, which may include dividends or other distributions. Benchmark is S&P 500 (^GSPC).
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| Quarter | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|
Q4 2026Latest Oct 23, 2026 | $0.52-11.7% vs $0.59 | $230M+0.4% vs $229M |
Q3 2026 Jul 24, 2026 | $0.60+2.9% vs $0.58 | $231M+1.5% vs $228M |
Q2 2026 Apr 24, 2026 | $0.55+3.8% vs $0.53 | $220M-0.3% vs $221M |
Q1 2026 Jan 30, 2026 | $0.56+1.8% vs $0.55 | $226M+0.2% vs $225M |
First Hawaiian reduced full-year loan growth guidance to 1% to 2%. Net interest margin expanded 5 basis points to 3.30%.
First Hawaiian, Inc. (NASDAQ:FHB) reported mixed results for the third quarter on Friday.
First Hawaiian, Inc. ( FHB ) Q3 2026 Earnings Call October 23, 2026 1:00 PM EDT Company Participants Kevin Haseyama - Strategic Planning & Investor Relations Manager Robert Harrison - Chairman of the Board, President & CEO James Moses - Vice Chairman of Finance Group & CFO Lea Nakamura - Executive VP & Chief Risk Officer of Risk Management Group Conference Call Participants Andrew Terrell - Stephens Inc., Research Division David Feaster - Raymond James & Associates, Inc., Research Division Anthony Elian - JPMorgan Chase & Co, Research Division Matthew Clark - Piper Sandler & Co., Research Division Sun Young Lee - TD Cowen, Research Division Andrew Liesch - StoneX Financial, Inc., Research Division Meghan Lynch - Keefe, Bruyette, & Woods, Inc., Research Division Presentation Operator Thank you for standing by, and welcome to the First Hawaiian, Inc. Third Quarter 2026 Earnings Conference Call. [Operator Instructions] As a reminder, today's program is being recorded.
First Hawaiian NASDAQ: FHB said its third-quarter results reflected higher net interest income, lower deposit costs and continued deposit growth, while credit metrics were affected by a charge-off tied to a downtown Seattle office property and several commercial real estate downgrades.
Benchmark FHB against direct peers instead of judging its metrics in isolation.
Key metrics vs top competitors for First Hawaiian, Inc. (FHB)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $24.98 | $3.04B | 11.13 | 13.69% | 37.88% | 9.83% | 4.18% | |
| $69.64 | $2.75B | 11.18 | 12.49% | 31.7% | 13.31% | 4.05% | |
| $30.48 | $8.62B | 10.23 | 19.28% | 30.19% | 11.08% | 3.7% | |
| $29.43 | $2.17B | 8.53 | 12.22% | 31.45% | 8.5% | — | |
| $70.09 | $2.38B | 12.12 | -0.08% | 38.63% | 10.07% | 2.8% | |
| $60.94 | $479.48M | 10.79 | 10.25% | 28.49% | 9.96% | 1.88% |
First Hawaiian, Inc. (FHB) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
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First Hawaiian, Inc. (FHB) SEC filings — annual & quarterly reports (10-K, 10-Q)
Oct 30, 2026·SEC
Oct 23, 2026·SEC
Jul 24, 2026·SEC
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First Hawaiian, Inc. (FHB) stock FAQ — growth, dividends, profitability & financials explained
First Hawaiian, Inc. (FHB) revenue fell by 10.4% over the trailing twelve months, compared with the twelve months before.
Yes. First Hawaiian, Inc. (FHB) earned $274.8M in net income over the trailing twelve months (a 37.9% net margin).
Yes. First Hawaiian, Inc. (FHB) pays a dividend that yields 4.18% at the current price, a high yield.
First Hawaiian, Inc. (FHB) had a return on equity (ROE) of 9.8% over the trailing twelve months. That is below the market's typical 10-15%.
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 56.7%. This is reasonable for a bank.
