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First Hawaiian, Inc. FHB Commercial Banking Business — Occupancy Net

Other segment segments

Retail Banking Business
$7.98M+9.4%
Corporate And Other Nonoperating
-$652K

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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 us-gaap:OccupancyNet.

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)Three Months Ended / Retail / BankingThree Months Ended / Commercial / BankingThree Months Ended / Corporate/ / OtherThree Months Ended / Consolidated / Total
Noninterest income28,13918,6046,07652,819
Salaries and employee benefits(26,522)(5,011)(32,557)(64,090)
Contracted services and professional fees(2,671)(4,019)(7,274)(13,964)
Occupancy(7,982)(486)652(7,816)
Equipment(1,445)(476)(12,860)(14,781)
Card rewards program(8,404)(8,404)
Other segment items (2)(37,950)(1,881)21,001(18,830)
Noninterest expense(76,570)(20,277)(31,038)(127,885)

Item 1. Financial Statements (unaudited)

FAQ

What is First Hawaiian, Inc.'s commercial banking business — occupancy net?
First Hawaiian, Inc. (FHB) reported commercial banking business — occupancy net of $486K in Q1 2026.
How has First Hawaiian, Inc.'s commercial banking business — occupancy net changed year-over-year?
First Hawaiian, Inc.'s commercial banking business — occupancy net decreased by 1.8% year-over-year, from $495K to $486K.
What is the long-term trend for First Hawaiian, Inc.'s commercial banking business — occupancy net?
Over 3 years (2022 to 2025), First Hawaiian, Inc.'s commercial banking business — occupancy net has grown at a 7.0% compound annual growth rate (CAGR), from $1.59M to $1.94M.
What does commercial banking business — occupancy net mean?
Reflects the net costs associated with maintaining physical facilities, including rent, utilities, and property maintenance for the commercial banking segment. This metric highlights the overhead burden of the physical branch or office footprint required to serve commercial clients.

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