Core Insights - The company reported a strong fourth quarter with net interest margin expansion, growth in net interest income, and strong credit quality [2][5][8] - The effective tax rate for the fourth quarter was 24.8%, expected to return to approximately 23.2% going forward [1] - The housing market in Hawaii showed stability, with a median single-family home price of $1.1 million, up 4.3% year-over-year [3][4] Financial Performance - Fourth-quarter net interest income was $170.3 million, with a net interest margin (NIM) of 3.21%, up 2 basis points sequentially [8][13] - Total loans increased by $183 million (5.2% annualized), while total deposits rose by $214 million [8][10] - The return on average tangible equity was 15.8% for the fourth quarter and 16.3% for the full year [2] Outlook and Guidance - For 2026, the company anticipates modest loan growth of 3-4% and a slightly lower NIM of 3.16-3.18% [7][21] - Non-interest income is expected to remain stable at around $220 million, with expenses projected at approximately $520 million [21][23] - Management indicated that the first quarter NIM may ease slightly due to anticipated Federal Reserve rate cuts [15] Capital Management - The company completed its 2025 share repurchase program, repurchasing about 1 million shares, and authorized a new open-ended buyback of $250 million [6][19] - The capital return strategy emphasizes maintaining a Common Equity Tier 1 (CET1) ratio above 12%, currently at 13% [6][20] Credit Quality - The bank reported strong credit performance with low and stable credit risk, and classified assets decreased by 7 basis points [16][17] - Net charge-offs were $5 million in the quarter, with a net charge-off rate of 11 basis points, unchanged from the previous quarter [17][18] - The allowance for credit losses increased to $168.5 million, with coverage at 118 basis points of total loans [19]

分组1 - First Northwest Bancorp (FNWB) reported quarterly earnings of $0.04 per share, missing the Zacks Consensus Estimate of $0.09 per share, compared to a loss of $0.32 per share a year ago, representing an earnings surprise of -55.56% [1] - The company posted revenues of $18.38 million for the quarter ended December 2025, surpassing the Zacks Consensus Estimate by 7.49%, and compared to year-ago revenues of $15.44 million [2] - The stock has gained approximately 14.3% since the beginning of the year, outperforming the S&P 500's gain of 1.9% [3] 分组2 - The current consensus EPS estimate for the coming quarter is $0.15 on $16.8 million in revenues, and $0.75 on $71.1 million in revenues for the current fiscal year [7] - The Zacks Industry Rank for Banks - West is currently in the top 21% of over 250 Zacks industries, indicating that the top 50% of Zacks-ranked industries outperform the bottom 50% by more than 2 to 1 [8]

Core Insights - Central Pacific Financial (CPF) reported quarterly earnings of $0.85 per share, exceeding the Zacks Consensus Estimate of $0.73 per share, and showing an increase from $0.70 per share a year ago, resulting in an earnings surprise of +16.44% [1] - The company achieved revenues of $76.29 million for the quarter ended December 2025, surpassing the Zacks Consensus Estimate by 1.18% and up from $58.4 million year-over-year [2] Earnings Performance - Over the last four quarters, Central Pacific Financial has surpassed consensus EPS estimates two times and topped consensus revenue estimates four times [2] - The current consensus EPS estimate for the upcoming quarter is $0.68 on revenues of $74.55 million, while for the current fiscal year, it is $3.13 on revenues of $308.2 million [7] Market Position - Central Pacific Financial shares have increased by approximately 1.7% since the beginning of the year, compared to the S&P 500's gain of 1.9% [3] - The Zacks Industry Rank for Banks - West, to which Central Pacific Financial belongs, is currently in the top 28% of over 250 Zacks industries, indicating a favorable industry outlook [8] Future Outlook - The sustainability of the stock's price movement will depend on management's commentary during the earnings call and the trends in earnings estimate revisions [3][4] - The estimate revisions trend for Central Pacific Financial was mixed prior to the earnings release, resulting in a Zacks Rank 3 (Hold) for the stock, suggesting it is expected to perform in line with the market in the near future [6]

Core Insights - Columbia Banking (COLB) reported quarterly earnings of $0.82 per share, exceeding the Zacks Consensus Estimate of $0.72 per share, and showing an increase from $0.71 per share a year ago, resulting in an earnings surprise of +13.89% [1] - The company achieved revenues of $717 million for the quarter ended December 2025, surpassing the Zacks Consensus Estimate by 3.30%, and up from $487.12 million year-over-year [2] - Columbia Banking has consistently outperformed consensus EPS and revenue estimates over the last four quarters [2] Earnings Performance - The earnings surprise for the previous quarter was +28.79%, with actual earnings of $0.85 per share compared to an expected $0.66 per share [1] - The company has surpassed consensus EPS estimates four times in the last four quarters [2] Stock Performance - Columbia Banking shares have increased by approximately 6.3% since the beginning of the year, outperforming the S&P 500, which gained 0.4% [3] - The stock's immediate price movement will depend on management's commentary during the earnings call [3] Future Outlook - The current consensus EPS estimate for the upcoming quarter is $0.71 on revenues of $667.9 million, and for the current fiscal year, it is $2.95 on revenues of $2.75 billion [7] - The estimate revisions trend prior to the earnings release was unfavorable, resulting in a Zacks Rank 4 (Sell) for the stock, indicating expected underperformance in the near future [6] Industry Context - The Banks - West industry, to which Columbia Banking belongs, is currently in the top 33% of over 250 Zacks industries, suggesting a favorable industry outlook [8] - Empirical research indicates a strong correlation between near-term stock movements and trends in earnings estimate revisions, which can be tracked by investors [5]

Core Viewpoint - First Hawaiian, Inc. plans to release its fourth quarter 2025 financial results on January 30, 2026, before market opens, followed by a conference call to discuss the results [1]. Group 1: Financial Results Announcement - The financial results for the fourth quarter of 2025 will be released on January 30, 2026, before the market opens [1]. - A conference call to discuss the results will take place on the same day at 1:00 p.m. Eastern Time (8:00 a.m. Hawaii Time) [1]. Group 2: Conference Call Access - Participants can access the conference call by registering through a provided link, which will give them a dial-in number and a personalized PIN code [2]. - It is recommended that participants dial in fifteen minutes prior to the scheduled start time to avoid delays [2]. Group 3: Webcast Information - A live webcast of the conference call, including a slide presentation, will be available on the company's website [3]. - An archive of the webcast will also be accessible at the same location [3]. Group 4: Company Overview - First Hawaiian, Inc. is a bank holding company based in Honolulu, Hawaii, and its principal subsidiary is First Hawaiian Bank, the oldest and largest financial institution in Hawaii [4]. - The company offers a wide range of banking services, including deposit products, loans, wealth management, insurance, trust, retirement planning, credit card, and merchant processing services [4]. - Customers can access their accounts through ATMs, online, and mobile banking channels [4].

Company Overview - Hope Bancorp (HOPE) shares increased by 5.5% to $11.54 in the last trading session, supported by higher-than-average trading volume [1] - The stock has gained 4.8% over the past four weeks, indicating a positive trend [1] Earnings Expectations - Hope Bancorp is expected to report quarterly earnings of $0.26 per share, reflecting a year-over-year increase of 30% [2] - Projected revenues for the upcoming report are $145 million, which is a 22.9% increase compared to the same quarter last year [2] Market Sentiment - The recent bullish sentiment among investors is attributed to a 25-basis-point interest rate cut and a dovish stance from the Federal Reserve [1] - The consensus EPS estimate for Hope Bancorp has remained unchanged over the last 30 days, suggesting that the stock's price movement may not sustain without earnings estimate revisions [3] Industry Comparison - Hope Bancorp is part of the Zacks Banks - West industry, where First Hawaiian (FHB) also operates [3] - First Hawaiian's stock rose by 3.5% to $26.06, with a 1.2% return over the past month [3] - First Hawaiian's consensus EPS estimate has changed by -0.2% to $0.55, representing a year-over-year increase of 34.2% [4]

Core Viewpoint - There is a bipartisan push to increase the insured deposit limit from $250,000 to $10 million to prevent bank runs, particularly in light of recent collapses like Silicon Valley Bank and Signature Bank [2][3][4]. Group 1: Legislative Efforts - Treasury Secretary Scott Bessent and Senator Elizabeth Warren are advocating for raising the insured deposit limit [2]. - A Senate bill, co-sponsored by Senators Bill Hagerty and Angela Alsobrooks, proposes increasing the insurance limit to $10 million for specific accounts used by businesses [3][4]. - The proposed bill aims to address the types of accounts that were central to the 2023 bank failures, particularly those used for payroll and operational expenses [4]. Group 2: Impact of Recent Bank Collapses - Silicon Valley Bank had a significant number of uninsured deposits, with over 94% of its deposits being uninsured prior to its collapse [5]. - Following the collapse, the government intervened to ensure all depositors were made whole, which was an exception to the usual insurance policy [6]. - The proposed legislation would not extend additional insurance to larger banks, which would still be subject to the $250,000 limit for all accounts [6]. Group 3: Industry Reactions - Larger banks have expressed skepticism regarding the proposed $10 million limit, arguing that it may not enhance bank safety and resilience [7]. - Medium-sized banks are lobbying for legislative support following the deposit flight to larger banks after the SVB collapse, highlighting the rapid loss of depositor confidence in the digital age [8]. - The CEO of the Mid-Size Bank Coalition of America noted that the 2023 turmoil resulted in deposits moving from smaller banks to larger ones, creating an uneven playing field [8].

Financial Performance Highlights - Net income for Q3 2025 was $61.1 million, a 14.5% increase compared to Q2 2025 and a 15.8% increase compared to Q3 2024[9] - Core net income for Q3 2025 reached $63.3 million, up 17.9% from Q2 2025 and 19.8% from Q3 2024[9] - Return on average common equity was 22.5%, while core return on average tangible common equity was 25.5%[12] Income Statement Analysis - Net interest income was $92.7 million[9] - Non-interest income totaled $61.2 million, primarily driven by higher banking fees and increased foreign exchange revenue[9, 21] - Core non-interest expenses were $88.5 million, a decrease of 3.1% compared to the prior quarter[23] Balance Sheet Overview - Total assets amounted to $14.086 billion[26] - Total deposits reached $12.7 billion[26] - The loan-to-deposit ratio was 35%[53] Capital and Asset Quality - The bank's regulatory capital levels remain above minimum requirements[36] - Non-accrual loans were 2.0% of total loans[30] - Allowance for credit losses was $25.7 million, representing 0.6% of total loans[30] Interest Rate Sensitivity - Net unrealized losses on AFS securities improved to $101.5 million as of September 30, 2025[34] - Total investment portfolio duration decreased to 5.0 years[34]

Core Insights - First Hawaiian Inc reported third-quarter earnings of 59 cents per share, exceeding the analyst consensus estimate of 52 cents per share [1] - The company achieved quarterly sales of $226.391 million, surpassing the analyst consensus estimate of $218.300 million [1] Company Performance - Bob Harrison, Chairman, President, and CEO, highlighted the strong performance as a result of effective teamwork and operations, emphasizing the personalized service provided to customers [2] - Following the earnings announcement, First Hawaiian shares traded at $24.78 [2] Analyst Ratings and Price Targets - Piper Sandler analyst Matthew Clark maintained a Neutral rating and raised the price target from $27 to $28 [4] - JP Morgan analyst Anthony Elian maintained an Underweight rating and increased the price target from $26 to $27 [4] - Barclays analyst Jared Shaw also maintained an Underweight rating while boosting the price target from $25 to $26 [4]

Core Viewpoint - CVB Financial reported quarterly earnings of $0.38 per share, exceeding the Zacks Consensus Estimate of $0.37 per share, marking a year-over-year increase from $0.37 per share [1] Financial Performance - The company posted revenues of $128.58 million for the quarter ended September 2025, which was below the Zacks Consensus Estimate by 0.98%, and an increase from $126.45 million year-over-year [2] - Over the last four quarters, CVB Financial has surpassed consensus EPS estimates four times but has only topped consensus revenue estimates once [2] Stock Performance - CVB Financial shares have declined approximately 12.5% since the beginning of the year, contrasting with the S&P 500's gain of 14.5% [3] - The stock currently holds a Zacks Rank 4 (Sell), indicating expectations of underperformance in the near future [6] Earnings Outlook - The current consensus EPS estimate for the upcoming quarter is $0.38 on revenues of $132.3 million, and for the current fiscal year, it is $1.46 on revenues of $514.1 million [7] - The trend of estimate revisions for CVB Financial was unfavorable prior to the earnings release, which may impact future stock movements [5][6] Industry Context - The Banks - West industry, to which CVB Financial belongs, is currently ranked in the bottom 37% of over 250 Zacks industries, suggesting potential challenges ahead [8]