First Hawaiian, Inc. (FHB)

In the past six months (July 2025 - January 2026), First Hawaiian, Inc. reported several earnings, which have impacted its stock. In Q3 2025, the company reported an EPS of $0.59, exceeding expectations by 13.46%, with revenues reaching $226.4 million. The net interest margin improved to 3.19%, and total deposits increased, while total loans declined. The company repurchased about 965,000 shares at a cost of $24 million. In Q2 2025, the company posted an EPS of $0.58, beating estimates by 18.37%, with net income increasing by over 23%. On December 4, 2025, Alan Arizumi, Vice Chair of First Hawaiian, Inc., sold 43,026 shares totaling approximately $1.1 million. The stock has been described as rangebound and has underperformed the US Banks industry and the broader US Market over the past year.

Demand for First Hawaiian, Inc.'s products and services exhibits some seasonality. Retail deposits have shown a pattern of declining balances in the third quarter, typically followed by growth in the fourth quarter. Loan demand can also be influenced by economic conditions and seasonal variations, particularly in commercial and industrial lending. The third quarter of 2025 saw significant paydowns in dealer floor plans, impacting C&I loan balances.

First Hawaiian, Inc. (FHB) is a bank holding company based in Honolulu, Hawai'i, operating through its subsidiary, First Hawaiian Bank. Founded in 1858, it is Hawai'i's oldest and largest financial institution, operating in the financial services sector, specifically regional banking. The bank offers a range of banking services to consumer and commercial customers, including deposit products, loans, and wealth management services. The company's business is structured around three core segments: Retail Banking, Commercial Banking, and Treasury and Other.

First Hawaiian, Inc.'s geographic footprint is concentrated in the Pacific region, with its headquarters in Honolulu, Hawai'i. It has a branch network of 49 or 50 branches throughout Hawai'i, three in Guam, and one in Saipan. Customers can also access their accounts through ATMs, online, and mobile banking channels.

First Hawaiian Bank maintains a strong positive brand reputation, particularly for its community involvement and philanthropy. It has been recognized as the most generous for-profit company in Hawai'i for nine consecutive years. In 2023, the bank donated $4.4 million across Hawai'i, Guam, and Saipan. Its employee-run Kōkua Mai program also generated significant giving to local charities. The bank's commitment to supporting communities is a long-standing tradition, focusing philanthropic efforts on areas of greatest need.

First Hawaiian, Inc. has significant institutional ownership, reported at 102.68% of total shares outstanding. Major institutional owners include Blackrock, Inc., Fuller & Thaler Asset Management, Inc., and Alliancebernstein L.P. As of December 4, 2025, Alan Arizumi, Vice Chair, held 37,508 directly held shares and 1,962 indirectly held shares after a sale.