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

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First Hawaiian (FHB - Free Report) reported $217.54 million in revenue for the quarter ended June 2025, representing a year-over-year increase of 6.3%. EPS of $0.58 for the same period compares to $0.48 a year ago.

The reported revenue compares to the Zacks Consensus Estimate of $213.12 million, representing a surprise of +2.08%. The company delivered an EPS surprise of +18.37%, with the consensus EPS estimate being $0.49.

While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.

As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.

Here is how First Hawaiian performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:
  • Net charge-offs: 0.1% versus the two-analyst average estimate of 0.1%.
  • Total Non-Accrual Loans and Leases: $28.59 million versus $21.6 million estimated by two analysts on average.
  • Net interest margin: 3.1% compared to the 3.1% average estimate based on two analysts.
  • Efficiency Ratio: 57.2% versus the two-analyst average estimate of 58.7%.
  • Average Balance - Total Earning Assets: $21.17 billion compared to the $21 billion average estimate based on two analysts.
  • Total Non-Performing Assets: $28.59 million versus $24.1 million estimated by two analysts on average.
  • Net Interest Income: $163.58 million compared to the $161.99 million average estimate based on two analysts.
  • Net Interest Income (FTE): $164.4 million compared to the $162.59 million average estimate based on two analysts.
  • Total Noninterest Income: $53.96 million versus $51.13 million estimated by two analysts on average.

View all Key Company Metrics for First Hawaiian here>>>

Shares of First Hawaiian have returned +1.9% over the past month versus the Zacks S&P 500 composite's +4.6% change. The stock currently has a Zacks Rank #4 (Sell), indicating that it could underperform the broader market in the near term.

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