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First Hawaiian, Inc. FHB Commercial Banking Business — Costs And Expenses Card Rewards Program

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AXPGMNS — Card Member rewards, business development and Card Member services
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AXPICS — Card Member rewards, business development and Card Member services
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AXPUSCS — Card Member rewards, business development and Card Member services
$4.75B+19.6%

Other financials

Income statement

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Revenue$220.3M+4.4%
Net income$78.5M+7.2%
EPS (diluted)$0.64+10.3%

Balance sheet

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Total debt$60.9M-80.5%
Total equity$2.9B+5.8%
Total assets$24.6B+3.2%

Cash flow

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Operating cash flow$8.7M-93.6%
CapEx$4.3M-47.0%
Free cash flow$155.4M+443%

Valuation

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Market cap$3.35B+12.9%
P/E11.6×-0.5×

Profitability

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Net margin32%+3.1pp
FCF margin48.3%+16.9pp

Returns & leverage

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Return on equity10.5%+1.1pp
Debt / equity-0.1×

Where this comes from

Reported directly by First Hawaiian, Inc. in its filing.

Tagged under the XBRL concept fhb:CostsAndExpensesCardRewardsProgram.

The source filing: First Hawaiian, Inc.’s 10-Q, filed May 4, 2026.

Filed
May 4, 2026, 4:06 PM EDT
Fiscal quarter
Q1 FY2026
Calendar quarter
Q1 2026
Accession
0001104659-26-054867
(dollars in thousands, except per share amounts)Three Months Ended / March 31, 2026Three Months Ended / March 31, 2025
Equipment14,78113,871
Regulatory assessment and fees3,2483,823
Advertising and marketing2,2522,179
Card rewards program8,4047,919
Other13,33012,725
Total noninterest expense127,885123,560
Income before provision for income taxes87,46476,943
Provision for income taxes19,68017,695

Item 1. Financial Statements (unaudited)

FAQ

What is First Hawaiian, Inc.'s commercial banking business — costs and expenses card rewards program?
First Hawaiian, Inc. (FHB) reported commercial banking business — costs and expenses card rewards program of -$8.4M in Q1 2026.
How has First Hawaiian, Inc.'s commercial banking business — costs and expenses card rewards program changed year-over-year?
First Hawaiian, Inc.'s commercial banking business — costs and expenses card rewards program decreased by 6.1% year-over-year, from -$7.92M to -$8.4M.
What is the long-term trend for First Hawaiian, Inc.'s commercial banking business — costs and expenses card rewards program?
Over 3 years (2022 to 2025), First Hawaiian, Inc.'s commercial banking business — costs and expenses card rewards program has grown at a 2.5% compound annual growth rate (CAGR), from -$30.99M to -$33.36M.
What does commercial banking business — costs and expenses card rewards program mean?
Represents the direct costs and liabilities associated with loyalty and rewards programs offered to commercial banking customers. This metric is a key indicator of the marketing and retention expenses tied to credit or debit card product offerings.

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