📈 Price History

Ratio Health

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By Category

📊 Sector Averages

About

First Hawaiian, Inc. operates as a bank holding company for First Hawaiian Bank that provides a range of banking products and services to consumer and commercial customers in the United States.

Key Ratios Snapshot

📈 Growth Pattern

⚡ Latest Quarter —

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📊 Quick Scorecard

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⭐ Superinvestors Holding FHB

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Manager	Shares	Value	% of Fund	Period
Jim Simons Renaissance Technologies LLC	248.9K	$6.1M	0.01%	Mar 2026

SEC Form 13F data. 45-day lag from quarter end.

🔍 Concall Decoded

🎙 Management Tone Tracker Confident Specific → Stable 4 quarters analysed

Q2 2025

Confident Specific

Management repeatedly described the quarter as 'very strong' with 'broad based' improvements, net income up 23% linked quarter, and highlighted solid balance sheet and stable credit metrics with specific numbers.

Q3 2025

Confident Specific

Management used precise numbers (e.g., NIM of 3.19%, deposit beta of 90%, loan decline of $223M) and gave explicit guidance (e.g., NIM to advance a few bps from September 3.16%, full-year expenses below $506M). They led with strong performance and defended credit quality as stable.

Q4 2025

Mixed

The tone is overall confident with specific numbers (return on tangible equity 15.8%, NIM 3.21%) but also vague on some forward-looking details (loan growth timing, exact deposit spot rate). Management highlights strong performance but hedges on payoffs and rate cuts.

Q1 2026 latest

Confident Specific

Management used language such as 'strong start to the year', 'solid deposit momentum', and reiterated specific guidance ranges for loan growth, NIM, and expenses, indicating a confident and specific tone.

Guidance Reliability Pending · <3Q data

Investor Lens

The investment thesis appears unchanged after this call. Management delivered solid Q1 performance with loan and deposit growth, stable credit, and reiterated full-year guidance. The balance sheet repricing story remains intact with expectation of NIM improvement. The main risk is potential economic impact from global events and natural disasters, but management did not indicate any material deterioration. Next quarter watch for NIM progression, loan growth sustainability, and any signs of credit stress from natural disasters.

AI-generated concall tone analysis · Updated 2026-06-08 · Not investment advice

🎙 Management Tone Confident Specific → Stable 4 quarters Full tone analysis in Intelligence →

📊 MIXED First Hawaiian Q1 2026: ROAT 1.2%, ROATE 15.3%, loan growth 3.6% annualized.

Revenue & Profitability

Net interest income was $167.5 million, down $2.8 million from the prior quarter; net interest margin was 3.19% (down 2 bps). Non-interest income totaled $52.8 million, with non-interest expense of $127.9 million and no material unusual items. Net charge-offs were $4.9 million (14 bps), provision $5 million, and the allowance for credit losses was $169 million (1.17% of loans). The effective tax rate was 22.5%.

Outlook

Management noted that Hawaii's statewide unemployment was 2.2% vs. 4.3% nationally, and year-to-date visitor arrivals and spending are up 7.1% and 14.8%, respectively. However, it is too soon to assess the impact of recent global events on tourism and the local economy. The bank expects full-year loan growth of 3-4% and a full-year NIM of 3.22-3.23%, with Q2 NIM up 2-3 bps sequentially.

Growth Drivers

Loan growth in Q1 was driven by $71 million in C&I (including $24 million dealer floor plan) and CRE growth, partially offset by residential runoff and construction payoffs. Total deposits grew $262 million, led by public deposits ($244 million increase). The bank is also hiring revenue-generating talent and expects the balance sheet repricing story ($400 million in fixed-rate cash flows per quarter repricing ~155 bps higher) to support NIM.

Balance Sheet & CapEx

Not discussed in this earnings call.

Margins

NIM is expected to improve in Q2 by 2-3 bps and reach 3.22-3.23% for full-year 2026, driven by fixed-rate asset repricing and declining deposit costs (total cost of deposits down 7 bps to 1.22%). CD repricing opportunities remain, with about $1 billion in CDs rolling over in Q2 at rates expected to decline from ~2.90% to ~2.50%. Non-interest expense is forecast at $520 million for the year with a gradual quarterly increase.

Key Risks

Key risks include potential negative impacts on tourism and the local economy from global events and natural disasters (recent flooding in Hawaii and typhoon in Guam/Saipan). Management is monitoring these carefully but has seen no broad credit weakness. Credit risk remains low and stable, with criticized assets and NPA ratios declining.

Generated by AI · Q1 2026 results · Not investment advice

✓ 📞 Earnings Call Transcripts (5 quarters) submit a missing quarter

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📞 Earnings Call Transcripts (5)

Q2 2026 Q2 2026 2026-07-24

Second quarter results showed strong loan growth, stable credit quality, and improved NIM. Guidance was raised for NIM, with loan growth and non-interest income outlooks reaffirmed. Integration with TriCo Bancshares is progressing, with cost savings and management retention emphasized.

Q1 2026 Q1 2026 2026-04-24

Loans and deposits grew in Q1 2026, with strong credit quality and solid capitalization. Net interest margin declined slightly, but full-year guidance was raised due to balance sheet repricing. Share repurchases continued, and the outlook remains positive amid stable market conditions.

Q4 2025 Q4 2025 2026-01-30

Strong Q4 results featured NIM expansion, loan and deposit growth, and robust credit quality. 2026 guidance calls for 3%-4% loan growth, stable non-interest income, and $520M in expenses, with capital flexibility for buybacks and M&A.

Q3 2025 Q3 2025 2025-10-24

Net income and NIM increased quarter-over-quarter, supported by higher net interest and non-interest income, while loan balances declined due to C&I paydowns. Deposit growth was strong, credit quality remained stable, and guidance points to flat year-end loan and deposit balances with continued margin expansion potential.

Q2 2025 Q2 2025 2025-07-25

Net income rose over 23% sequentially, supported by higher net interest income, strong credit quality, and a $5.1M tax benefit. Loan growth guidance was revised lower due to construction paydowns, while capital remains robust and share repurchases continue.

📊 Analysis Methodology

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