For the quarter ended December 2025, First Hawaiian (FHB) reported revenue of $225.85 million, up 39.5% over the same period last year. EPS came in at $0.56, compared to $0.41 in the year-ago quarter.
The reported revenue represents a surprise of +0.1% over the Zacks Consensus Estimate of $225.63 million. With the consensus EPS estimate being $0.55, the EPS surprise was +1.08%.
While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.
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: $41.03 million versus the three-analyst average estimate of $31.93 million.
- Net interest margin: 3.2% versus the three-analyst average estimate of 3.2%.
- Efficiency Ratio: 55.1% versus 56.3% estimated by three analysts on average.
- Average Balance - Total Earning Assets: $21.22 billion versus $21.41 billion estimated by three analysts on average.
- Total Non-Performing Assets: $41.03 million versus $34.1 million estimated by three analysts on average.
- Total Noninterest Income: $55.55 million compared to the $54.26 million average estimate based on three analysts.
- Net Interest Income (FTE): $171.3 million versus $171.7 million estimated by three analysts on average.
- Net Interest Income: $170.3 million versus the three-analyst average estimate of $171.09 million.
- Service charges on deposit accounts: $8.18 million versus the two-analyst average estimate of $8.16 million.
- Other service charges and fees: $13.83 million versus the two-analyst average estimate of $13.36 million.
- Noninterest income- Other: $3.57 million versus the two-analyst average estimate of $2.91 million.
View all Key Company Metrics for First Hawaiian here>>>
Shares of First Hawaiian have returned +9% over the past month versus the Zacks S&P 500 composite's +0.9% 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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