Compared to Estimates, First Hawaiian (FHB) Q3 Earnings: A Look at Key Metrics

Core Insights - First Hawaiian (FHB) reported revenue of $226.39 million for Q3 2025, a year-over-year increase of 7.8% and a surprise of +3.71% over the Zacks Consensus Estimate of $218.28 million [1] - The EPS for the same quarter was $0.59, compared to $0.48 a year ago, with an EPS surprise of +13.46% against the consensus estimate of $0.52 [1] Financial Performance Metrics - Net charge-offs were reported at 0.1%, matching the three-analyst average estimate [4] - Total Non-Accrual Loans and Leases amounted to $30.93 million, slightly above the $30.57 million average estimate [4] - The net interest margin was 3.2%, exceeding the 3.1% estimated by analysts [4] - The efficiency ratio stood at 55.3%, better than the 58.3% average estimate [4] - Average Balance of Total Earning Assets was $21.27 billion, surpassing the $21.17 billion estimate [4] - Total Non-Performing Assets were $30.93 million, below the $32.24 million average estimate [4] - Total Noninterest Income reached $57.06 million, exceeding the $51.38 million average estimate [4] - Net Interest Income (FTE) was reported at $170.4 million, compared to the $167.17 million average estimate [4] - Net Interest Income was $169.33 million, above the $166.63 million average estimate [4] - Service charges on deposit accounts were $8.1 million, higher than the $7.76 million estimate [4] - Other service charges and fees totaled $13.81 million, exceeding the $12.79 million average estimate [4] - Noninterest income from other sources was $3.78 million, significantly above the $2.31 million estimate [4] Stock Performance - Shares of First Hawaiian have returned -5.6% over the past month, while the Zacks S&P 500 composite has changed by +1.3% [3] - The stock currently holds a Zacks Rank 3 (Hold), indicating potential performance in line with the broader market in the near term [3]