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First Hawaiian, Inc. FHB Q3 2025 earnings

Reported October 24, 2025 · Before market open

Revenue$217.7MMiss by $700.2K
EPS$0.59Beat by $0.07
Revenue estimate$218.4M
EPS estimate$0.52

Next report

Oct 23, 2026 (in 3 months)
Revenue estimate$229.3M
EPS estimate$0.60

Financials

Q3 2025

Income statement

See full
Revenue$226.4M+7.8%
Net income$73.8M+20.1%
EPS (diluted)$0.59+22.9%

Balance sheet

See full
Total equity$2.7B+3.2%
Total assets$24.1B+1.3%

Cash flow

See full
Operating cash flow$57.1M-3.0%
CapEx$7.6M+15.2%
Free cash flow$49.5M-5.3%

Valuation & ratios

Valuation

as of 09/30/25
See full
Market cap$3.09B+4.5%
P/E12×-1.2×
P/S3.7×+0.1×

Profitability

See full
Net margin30.7%+3.6pp
FCF margin36.3%+9.8pp

Returns & leverage

See full
Return on equity9.6%+0.6pp

Segments

By product

See full
Credit And Debit Card$15.3M-10.0%
Financial Service Other$11.5M+18.9%
Fiduciary And Trust$9.2M+1.5%
Deposit Account$8.1M+4.0%
Other Products And Services$3.2M-14.5%

By segment

See full
Retail Banking Business$160.3M+7.4%
Commercial Banking Business$65.3M-9.9%

Versus estimates

Revenue

Q2 2026$231.3MBeat by $3.5MQ1 2026$220.3MMiss by $555.6KQ4 2025$225.9MBeat by $381.2K
Q3 2025$217.7MMiss by $700.2K
Q2 2025$209.1MMiss by $9.1MQ1 2025$203.1MMiss by $11.4M

Diluted EPS

Q2 2026$0.60Beat by $0.02Q1 2026$0.55Beat by $0.02Q4 2025$0.56Beat by $0.01
Q3 2025$0.59Beat by $0.07
Q2 2025$0.58Beat by $0.09Q1 2025$0.47Beat by $0.01

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Questions, answered.

When did First Hawaiian, Inc. report Q3 2025 earnings?
First Hawaiian, Inc. (FHB) reported Q3 2025 earnings on October 24, 2025 before market open.
What were First Hawaiian, Inc.'s Q3 2025 revenue and EPS?
First Hawaiian, Inc. reported revenue of $217.7M and eps of $0.59 for Q3 2025.
Did First Hawaiian, Inc. beat estimates in Q3 2025?
Revenue missed the consensus estimate of $218.4M by $700.2K. EPS beat the consensus estimate of $0.52 by $0.07.
How did First Hawaiian, Inc.'s Q3 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 8.1% from $201.3M a year earlier and eps grew 22.9% from $0.48.
Where can I find First Hawaiian, Inc.'s Q3 2025 SEC filings?
You can read the 10-Q periodic report (0001104659-25-105580) directly on SEC EDGAR. The filing index links above go to sec.gov.