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Mar 31, 2025
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%.
Revenue by Segment
Revenue by Geographic Location
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.
Historical Earnings Impact
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Avg. Return Before/After Earnings
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