First Hawaiian, Inc. (FHB)

First Hawaiian, Inc. experienced several stock events in the past six months. The Q2 2025 earnings report showed strong financial results with increased net income, while the Q3 2025 report indicated a rise in net interest income but a decline in total loans. Analyst commentary in August 2025 identified concerns over the bank's growth metrics and profitability. Renewed optimism around potential Federal Reserve interest rate cuts in November 2025 led to an uptick in its shares. Between November 19, 2024, and November 18, 2025, the share price declined by 11.77%.

First Hawaiian, Inc. experiences some demand seasonality in its products and services. The company's Q3 2025 earnings call indicated a seasonal decline in retail deposits during the third quarter, with an expectation of seasonal increases in both retail and commercial deposits in the fourth quarter. Corporate line of credit paydowns, however, were noted as not necessarily seasonal.

First Hawaiian, Inc. is a financial services holding company based in Honolulu, Hawaii, with its main subsidiary, First Hawaiian Bank, being the state's oldest and largest financial institution. The bank provides a range of services including deposit products like checking and savings accounts, lending services such as mortgages and auto loans, wealth management and trust services, and other services like credit card processing and online banking. The company operates through Retail Banking, Commercial Banking, and Treasury and Other segments.

First Hawaiian Bank operates primarily in the Pacific region. It has 49 branches in Hawaii, three in Guam, and one in Saipan, totaling 53 branches.

First Hawaiian, Inc. has maintained a strong brand reputation, particularly within its core markets. First Hawaiian Bank was recognized by Forbes as Hawaii's top bank for the fourth consecutive year and one of the top 50 most cybersecure banks in the U.S. The FDIC rated First Hawaiian Bank "Outstanding" for its Community Reinvestment Performance. The bank partnered with Mastercard and Hale 'Aina to expand the Hale 'Aina Awards and launched a new mobile app. First Hawaiian Bank opened new branches in the Lahaina Cannery Mall and a new Līhu'e Banking Center. The resignation of Christopher L. Dods, Vice Chairman and Chief Operating Officer, was announced. A legal case, "First Hawaiian Bank v. Citadel Pacific, LTD.," saw a document filed on November 25, 2024.

Institutional investors hold a significant majority of First Hawaiian, Inc.'s shares. As of Q4 2023, institutional investors held 82.4% of the company's shares, while retail investors accounted for 17.6%. More recent data indicates institutional ownership at 76.3% and individual ownership at 0.77%. Major institutional owners include BlackRock, Inc., The Vanguard Group, Inc., and Kayne Anderson Rudnick Investment Management LLC, among others.