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First Hawaiian (FHB) Reports Q1 Earnings: What Key Metrics Have to Say

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For the quarter ended March 2026, First Hawaiian (FHB - Free Report) reported revenue of $220.35 million, up 4.4% over the same period last year. EPS came in at $0.55, compared to $0.47 in the year-ago quarter.

The reported revenue represents a surprise of -0.4% over the Zacks Consensus Estimate of $221.24 million. With the consensus EPS estimate being $0.53, the EPS surprise was +3.13%.

While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.

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 0.2% estimated by four analysts on average.
  • Total Non-Performing Assets: $39.68 million versus the four-analyst average estimate of $43.53 million.
  • Net interest margin: 3.2% compared to the 3.2% average estimate based on four analysts.
  • Efficiency Ratio: 57.8% compared to the 58.4% average estimate based on four analysts.
  • Average Balance - Total Earning Assets: $21.33 billion versus the four-analyst average estimate of $21.2 billion.
  • Total Non-Accrual Loans and Leases: $39.68 million compared to the $42.18 million average estimate based on three analysts.
  • Total Noninterest Income: $52.82 million compared to the $54.7 million average estimate based on four analysts.
  • Net Interest Income (FTE): $168.5 million compared to the $166.81 million average estimate based on four analysts.
  • Net Interest Income: $167.53 million versus $166.26 million estimated by three analysts on average.
  • Service charges on deposit accounts: $8.16 million versus the three-analyst average estimate of $8.11 million.
  • Bank-owned life insurance: $4.09 million compared to the $5.25 million average estimate based on two analysts.
  • Other service charges and fees: $13.78 million versus $13.59 million estimated by two analysts on average.

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

Shares of First Hawaiian have returned +9.6% over the past month versus the Zacks S&P 500 composite's +8.1% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.

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