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Mar 31
First Hawaiian Q1 2025 Earnings Report
First Hawaiian reported a solid performance in Q1 2025 with growth in net interest income and improved operational efficiency.
Key Takeaways
First Hawaiian, Inc. started 2025 on a strong note with an increase in net interest income and effective cost control, despite slight declines in loans and deposits. Credit quality remained solid, and noninterest income rebounded due to the absence of prior quarter's investment losses.
Net income rose to $59.2 million, or $0.47 per diluted share.
Net interest income increased to $160.5 million.
Noninterest income surged due to recovery from prior quarter's investment losses.
Efficiency ratio improved to 58.22% from 65.51%.
First Hawaiian
First Hawaiian
First Hawaiian Revenue by Segment
First Hawaiian Revenue by Geographic Location
Revenue by Segment
Service Charges on Deposits Revenue
CapyFin.comCredit & Debit Card Fees Revenue
CapyFin.comOther Service Charges & Fees Revenue
CapyFin.comTrust & Investment Services Revenue
CapyFin.comBank-Owned Life Insurance Revenue
CapyFin.comOther Noninterest Income Revenue
CapyFin.comRevenue by Geographic Location
Total Revenue
CapyFin.com Forward Guidance
No formal forward guidance was provided, but management emphasized continued stability and confidence in balance sheet strength.
Positive Outlook
- Strong capital ratios provide resilience.
- Efficiency improvements expected to continue.
- Stable net interest margin trends.
- Positive customer sentiment and retail deposit growth.
- Controlled operating expenses show cost discipline.
Challenges Ahead
- Loan and deposit balances slightly declined.
- Provision for credit losses increased significantly from prior quarter.
- Economic uncertainty remains a headwind.
- Low interest rate volatility may limit margin expansion.
- Potential impact from reduced investment securities income.