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First Hawaiian (FHB) Q2 Earnings: Taking a Look at Key Metrics Versus Estimates

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First Hawaiian (FHB - Free Report) reported $231.27 million in revenue for the quarter ended June 2026, representing a year-over-year increase of 6.3%. EPS of $0.60 for the same period compares to $0.58 a year ago.

The reported revenue represents a surprise of +1.48% over the Zacks Consensus Estimate of $227.91 million. With the consensus EPS estimate being $0.60, the company has not delivered EPS surprise.

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 the three-analyst average estimate of 0.1%.
  • Total Non-Accrual Loans and Leases: $39.5 million versus $39.42 million estimated by three analysts on average.
  • Net interest margin: 3.3% compared to the 3.2% average estimate based on three analysts.
  • Efficiency Ratio: 56.2% versus the three-analyst average estimate of 56.1%.
  • Average Balance - Total Earning Assets: $21.19 billion versus the three-analyst average estimate of $21.45 billion.
  • Total Non-Performing Assets: $39.5 million versus the three-analyst average estimate of $40.75 million.
  • Total Noninterest Income: $60.28 million versus $54.58 million estimated by three analysts on average.
  • Net Interest Income (FTE): $171.9 million compared to the $173.33 million average estimate based on three analysts.
  • Net Interest Income: $170.99 million compared to the $172.67 million average estimate based on three analysts.
  • Service charges on deposit accounts: $8.32 million versus the two-analyst average estimate of $8.28 million.
  • Other service charges and fees: $14.41 million versus $14.01 million estimated by two analysts on average.
  • Noninterest income- Other: $6.01 million versus the two-analyst average estimate of $2.64 million.

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

Shares of First Hawaiian have returned -2.2% over the past month versus the Zacks S&P 500 composite's +0.6% change. The stock currently has a Zacks Rank #1 (Strong Buy), indicating that it could outperform the broader market in the near term.

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