First Hawaiian (FHB) Reports Q4 Earnings: What Key Metrics Have to Say

Core Insights - First Hawaiian (FHB) reported a revenue of $225.85 million for the quarter ended December 2025, reflecting a year-over-year increase of 39.5% [1] - The earnings per share (EPS) for the quarter was $0.56, up from $0.41 in the same quarter last year, with an EPS surprise of +1.08% compared to the consensus estimate of $0.55 [1] - The stock has returned +9% over the past month, outperforming the Zacks S&P 500 composite's +0.9% change, and currently holds a Zacks Rank 3 (Hold) [3] Financial Metrics - Net charge-offs were reported at 0.1%, matching the three-analyst average estimate [4] - Total Non-Accrual Loans and Leases amounted to $41.03 million, exceeding the average estimate of $31.93 million [4] - The net interest margin was 3.2%, consistent with the three-analyst average estimate [4] - The efficiency ratio was reported at 55.1%, better than the average estimate of 56.3% [4] - Average balance of total earning assets was $21.22 billion, slightly below the average estimate of $21.41 billion [4] - Total Non-Performing Assets were $41.03 million, higher than the average estimate of $34.1 million [4] - Total Noninterest Income reached $55.55 million, surpassing the average estimate of $54.26 million [4] - Net Interest Income (FTE) was $171.3 million, slightly below the average estimate of $171.7 million [4] - Net Interest Income was reported at $170.3 million, compared to the average estimate of $171.09 million [4] - Service charges on deposit accounts were $8.18 million, slightly above the average estimate of $8.16 million [4] - Other service charges and fees totaled $13.83 million, exceeding the average estimate of $13.36 million [4] - Noninterest income from other sources was $3.57 million, higher than the average estimate of $2.91 million [4]