First Hawaiian, Inc.
NASDAQ•FHB
CEO: Mr. Robert Scott Harrison
Sector: Financial Services
Industry: Banks - Regional
Listing Date: 2016-08-05
First Hawaiian, Inc. operates as a bank holding company for First Hawaiian Bank that provides a range of banking products and services to consumer and commercial customers in the United States. It operates in three segments: Retail Banking, Commercial Banking, and Treasury and Other. The company offers various deposit products, including checking, savings, and time deposit accounts, and other deposit accounts. It also provides residential and commercial mortgage loans, home equity lines of credit and loans, automobile loans and leases, secured and unsecured lines of credit, installment loans, small business loans and leases, and construction lending, as well as commercial lease and auto dealer financing. In addition, the company offers wealth management, personal installment, individual investment and financial planning, insurance protection, trust and estate, private banking, investment management, retirement planning, and merchant processing services, as well as consumer and commercial credit cards. 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.
Contact Information
Market Cap
$2.90B
P/E (TTM)
10.5
14.2
Dividend Yield
4.4%
52W High
$28.35
52W Low
$20.32
52W Range
Rank35Top 29.9%
4.6
F-Score
Modified Piotroski Analysis
Based on 10-year fundamentals
Average • 4.6 / 9 points
Scoring Range (0-9)
8-9: Excellent Value
6-7: Strong Fundamentals
4-5: Average Quality
0-3: Weak Performance
Data Period: 2016-2025
Financial Dashboard
Q4 2025 Data
Revenue
$292.39M+11.77%
4-Quarter Trend
EPS
$0.57+39.02%
4-Quarter Trend
FCF
$100.00M+0.00%
4-Quarter Trend
2025 Annual Earnings Highlights
Key Highlights
Strong Net Income Growth Net income reached $276.3M, increasing 20% year-over-year; NIM improved 20 basis points to 3.15% due to lower funding costs.
Robust Capital Ratios Maintained CET1 ratio strengthened to 13.17% (up from 12.80%), well exceeding minimum regulatory requirements and conservation buffer levels.
Increased Credit Loss Provision Provision for credit losses rose 84% to $27.2M, increasing ACL ratio to 1.18% amid portfolio shifts and economic uncertainty overlays.
Deposit Base Expansion Noted Total deposits grew 1% to $20.5B, supported by increases in savings and money market balances; noninterest income rose 17% to $217.0M.
Risk Factors
Real Estate Portfolio Concentration Business heavily dependent on Hawaii real estate markets; 75% of loan portfolio secured by real estate, vulnerable to local economic downturns.
Interest Rate Sensitivity Exposure Net interest income sensitive to rate changes; assets reprice faster in rising rate environments, but unexpected shifts impact earnings projections.
Deposit Outflow Funding Risk Liquidity relies on stable deposits; competitive pricing or loss of confidence could force reliance on more expensive funding sources, hurting NIM.
Extensive Regulatory Scrutiny Subject to extensive federal and state banking laws; compliance costs, particularly related to CFPB rulemaking and cybersecurity, may increase operational expenses.
Outlook
Benefit from Higher Rates Current static balance sheet forecast projects net interest income will benefit from higher rates as assets reprice faster than liabilities.
Organic Growth Focus Due to deposit concentration limits in Hawaii market, further growth will most likely occur organically rather than through bank acquisitions.
Continued Cybersecurity Investment Company continues investing in robust cybersecurity capabilities and risk management frameworks to address evolving threats, including AI-related risks.
Share Repurchase Authorization Board authorized up to $250.0M stock repurchase program in January 2026, subject to capital position and market conditions.
Peer Comparison
Revenue (TTM)
$4.01T
$2.14B
$1.89B
Gross Margin (Latest Quarter)
65349.8%
97.7%
75.9%
Key Metrics
Symbol | Market Cap | P/E (TTM) | ROE (TTM) | Debt to Assets |
|---|---|---|---|---|
| BMA | $4.24B | 38.8 | 4.7% | 6.4% |
| FULT | $3.46B | 9.0 | 11.6% | 4.0% |
| WSFS | $3.41B | 11.8 | 10.6% | 1.4% |
Long-Term Trends
Last 4 Quarters
Revenue
Net Income
Operating Cash Flow
4Q Revenue CAGR
1.7%
Moderate Growth
4Q Net Income CAGR
5.7%
Profitability Improving
Cash Flow Stability
100%
Strong Cash Flow
Deep Research
Next earnings:Apr 21, 2026
EPS:-
|Revenue:-
Financials
Earnings Calls
Reports
News
Income Statement
Balance Sheet
Cash Flow Statement
Ratios
% Chg.
Income Statement | LTM |
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No Data