First Hawaiian (FHB) reported $226.39 million in revenue for the quarter ended September 2025, representing a year-over-year increase of 7.8%. EPS of $0.59 for the same period compares to $0.48 a year ago.
The reported revenue represents a surprise of +3.71% over the Zacks Consensus Estimate of $218.28 million. With the consensus EPS estimate being $0.52, the EPS surprise was +13.46%.
While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.
As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.
Here is how First Hawaiian performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:
- Net charge-offs: 0.1% versus the three-analyst average estimate of 0.1%.
- Total Non-Accrual Loans and Leases: $30.93 million compared to the $30.57 million average estimate based on three analysts.
- Net interest margin: 3.2% versus 3.1% estimated by three analysts on average.
- Efficiency Ratio: 55.3% compared to the 58.3% average estimate based on three analysts.
- Average Balance - Total Earning Assets: $21.27 billion versus the three-analyst average estimate of $21.17 billion.
- Total Non-Performing Assets: $30.93 million versus the three-analyst average estimate of $32.24 million.
- Total Noninterest Income: $57.06 million versus the three-analyst average estimate of $51.38 million.
- Net Interest Income (FTE): $170.4 million compared to the $167.17 million average estimate based on three analysts.
- Net Interest Income: $169.33 million versus the three-analyst average estimate of $166.63 million.
- Service charges on deposit accounts: $8.1 million versus $7.76 million estimated by two analysts on average.
- Other service charges and fees: $13.81 million compared to the $12.79 million average estimate based on two analysts.
- Noninterest income- Other: $3.78 million versus $2.31 million estimated by two analysts on average.
View all Key Company Metrics for First Hawaiian here>>>
Shares of First Hawaiian have returned -5.6% over the past month versus the Zacks S&P 500 composite's +1.3% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.
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First Hawaiian, Inc. (FHB): Free Stock Analysis ReportThis article originally published on Zacks Investment Research (zacks.com).
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