First Hawaiian(US:FHB) ZACKS·2025-04-23 14:36Core Insights - First Hawaiian (FHB) reported $211 million in revenue for Q1 2025, a year-over-year increase of 2.5% and an EPS of $0.47 compared to $0.42 a year ago, exceeding the Zacks Consensus Estimate of $210.33 million by +0.32% and delivering an EPS surprise of +2.17% [1] Financial Performance Metrics - Efficiency Ratio stood at 58.2%, better than the average estimate of 60.2% from three analysts [4] - Net interest margin was reported at 3.1%, matching the average estimate from three analysts [4] - Average Balance of Total Earning Assets was $21.17 billion, slightly above the estimated $21.15 billion [4] - Total Non-Accrual Loans and Leases were $20.19 million, lower than the average estimate of $22.60 million [4] - Total Non-Performing Assets were also $20.19 million, compared to the average estimate of $24.26 million [4] - Net charge-offs were reported at 0.1%, consistent with the average estimate [4] - Total Noninterest Income was $50.48 million, slightly below the average estimate of $51.15 million [4] - Net Interest Income was $160.53 million, exceeding the average estimate of $159.15 million [4] - Other service charges and fees were $12.17 million, above the average estimate of $11.67 million [4] - Net Interest Income (FTE) was $161.80 million, compared to the average estimate of $159.49 million [4] - Bank-owned life insurance income was $4.37 million, significantly higher than the estimated $3.23 million [4] - Noninterest income from other sources was $2.52 million, below the average estimate of $2.81 million [4] Stock Performance - Shares of First Hawaiian have returned -6.8% over the past month, slightly underperforming the Zacks S&P 500 composite's -6.6% change [3] - The stock currently holds a Zacks Rank 3 (Hold), indicating potential performance in line with the broader market in the near term [3]