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First Hawaiian (FHB) Reports Q3 Earnings: What Key Metrics Have to Say

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First Hawaiian (FHB - Free Report) reported $230.23 million in revenue for the quarter ended September 2026, representing a year-over-year increase of 1.7%. EPS of $0.52 for the same period compares to $0.59 a year ago.

The reported revenue compares to the Zacks Consensus Estimate of $229.71 million, representing a surprise of +0.23%. The company delivered an EPS surprise of -13.33%, with the consensus EPS estimate being $0.60.

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 interest margin: 3.3% compared to the 3.3% average estimate based on four analysts.
  • Efficiency Ratio: 69.2% compared to the 56% average estimate based on four analysts.
  • Net charge-offs: 0.6% versus 0.1% estimated by four analysts on average.
  • Total Non-Performing Assets: $45.97 million compared to the $41.11 million average estimate based on three analysts.
  • Total Non-Accrual Loans and Leases: $45.97 million versus $39.77 million estimated by three analysts on average.
  • Average Balance - Total Earning Assets: $21.13 billion versus $21.19 billion estimated by three analysts on average.
  • Tier 1 Capital Ratio: 13.5% versus 13.4% estimated by two analysts on average.
  • Tier 1 leverage ratio: 9.6% versus the two-analyst average estimate of 9.6%.
  • Total Capital Ratio: 14.7% versus the two-analyst average estimate of 14.5%.
  • Total Noninterest Income: $56.12 million compared to the $54.96 million average estimate based on four analysts.
  • Net Interest Income (FTE): $175.2 million versus the four-analyst average estimate of $175.2 million.
  • Net Interest Income: $174.1 million versus the four-analyst average estimate of $174.75 million.

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

Shares of First Hawaiian have returned +4% over the past month versus the Zacks S&P 500 composite's -1.2% 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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