Compared to Estimates, First Hawaiian (FHB) Q2 Earnings: A Look at Key Metrics

Core Insights - First Hawaiian (FHB) reported revenue of $217.54 million for the quarter ended June 2025, marking a year-over-year increase of 6.3% and exceeding the Zacks Consensus Estimate of $213.12 million by 2.08% [1] - The company achieved an EPS of $0.58, up from $0.48 a year ago, and surpassed the consensus EPS estimate of $0.49 by 18.37% [1] Financial Performance Metrics - Net charge-offs were reported at 0.1%, aligning with the two-analyst average estimate of 0.1% [4] - Total Non-Accrual Loans and Leases amounted to $28.59 million, higher than the average estimate of $21.6 million [4] - The net interest margin stood at 3.1%, matching the average estimate based on two analysts [4] - The efficiency ratio was reported at 57.2%, better than the average estimate of 58.7% [4] - Average balance of total earning assets was $21.17 billion, slightly above the average estimate of $21 billion [4] - Total Non-Performing Assets reached $28.59 million, exceeding the average estimate of $24.1 million [4] - Net Interest Income was reported at $163.58 million, surpassing the average estimate of $161.99 million [4] - Net Interest Income (FTE) was $164.4 million, compared to the average estimate of $162.59 million [4] - Total Noninterest Income was $53.96 million, exceeding the average estimate of $51.13 million [4] Stock Performance - Shares of First Hawaiian have returned +1.9% over the past month, while the Zacks S&P 500 composite has changed by +4.6% [3] - The stock currently holds a Zacks Rank 4 (Sell), indicating potential underperformance relative to the broader market in the near term [3]