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First Hawaiian, Inc. FHB Q4 2025 Annual earnings

Reported January 30, 2026 · Before market open

Revenue$225.9MBeat by $381.2K
EPS$0.56Beat by $0.01
Revenue estimate$225.5M
EPS estimate$0.55

Next report

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

Financials

Q4 2025

Income statement

See full
Revenue$225.9M+20.1%
Net income$69.9M+33.2%
EPS (diluted)$0.56+36.6%

Balance sheet

See full
Total debt$60.9M-80.5%
Total equity$2.8B+5.8%
Total assets$24.0B+0.5%

Cash flow

See full
Operating cash flow$104.9M-7.8%
CapEx$4.9M-56.8%
Free cash flow$100.0M-2.4%

Valuation & ratios

Valuation

as of 12/31/25
See full
Market cap$3.13B-5.7%
Enterprise value$3.19B-12.1%
P/E11.3×-3.1×
P/S3.6×-0.6×

Profitability

See full
Net margin31.4%+2.9pp
FCF margin34.4%-1.3pp

Returns & leverage

See full
Return on equity10.3%+1.2pp
Debt / equity0×-0.1×

Segments

By product

See full
Credit And Debit Card$15.0M+5.1%
Financial Service Other$11.7M+10.0%
Fiduciary And Trust$9.2M-2.6%
Deposit Account$8.2M+2.6%
Other Products And Services$3.2M-30.3%

By segment

See full
Retail Banking Business$160.6M+6.2%
Commercial Banking Business$64.7M-11.1%

Versus estimates

Revenue

Q2 2026$231.3MBeat by $3.5MQ1 2026$220.3MMiss by $555.6K
Q4 2025$225.9MBeat by $381.2K
Q3 2025$217.7MMiss by $700.2KQ2 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 $0.02
Q4 2025$0.56Beat by $0.01
Q3 2025$0.59Beat by $0.07Q2 2025$0.58Beat by $0.09Q1 2025$0.47Beat by $0.01

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Questions, answered.

When did First Hawaiian, Inc. report Q4 2025 earnings?
First Hawaiian, Inc. (FHB) reported Q4 2025 earnings on January 30, 2026 before market open.
What were First Hawaiian, Inc.'s Q4 2025 revenue and EPS?
First Hawaiian, Inc. reported revenue of $225.9M and eps of $0.56 for Q4 2025.
Did First Hawaiian, Inc. beat estimates in Q4 2025?
Revenue beat the consensus estimate of $225.5M by $381.2K. EPS beat the consensus estimate of $0.55 by $0.01.
How did First Hawaiian, Inc.'s Q4 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 25.3% from $180.2M a year earlier and eps grew 36.6% from $0.41.
Where can I find First Hawaiian, Inc.'s Q4 2025 SEC filings?
You can read the 8-K earnings release (0001104659-26-008314) and the 10-K periodic report (0001104659-26-021544) directly on SEC EDGAR. The filing index links above go to sec.gov.