First Hawaiian(FHB) - 2025 Q4 - Earnings Call Presentation

4 th Quarter 2025 Earnings Call January 30, 2026 | | Q4 2025 | Q3 2025 | | --- | --- | --- | | Net Income ($mm) | $69.9 | $73.8 | | Diluted EPS | $0.56 | $0.59 | | Net Interest Margin | 3.21% | 3.19% | | Efficiency Ratio | 55.1% | 55.3% | | ROA / ROATA2 | 1.16% / 1.21% | 1.22% / 1.27% | | ROE / ROATCE2 | 10.07% / 15.76% | 10.81% / 17.08% | | Tier 1 Leverage Ratio | 9.27% | 9.16% | | CET1 Capital Ratio | 13.17% | 13.24% | | Total Capital ratio | 14.42% | 14.49% | | Dividend3 | $0.26 / share | $0.26 / share | ...