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Jun 30
First Hawaiian Q2 2025 Earnings Report
First Hawaiian reported strong Q2 2025 results with higher net income and improved margins.
Key Takeaways
First Hawaiian delivered solid Q2 2025 results with net income of $73.2M and EPS of $0.58, supported by higher net interest income, increased deposits, and improved efficiency ratio.
Net income rose to $73.2M, a 23.6% increase from Q1
Net interest margin improved to 3.11%
Efficiency ratio improved to 57.2% from 58.2% in Q1
Tier 1 leverage and CET1 capital ratios strengthened to 9.12% and 13.03%, respectively
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
First Hawaiian remains optimistic for the second half of 2025, focusing on stable margins, loan growth, and disciplined expense management.
Positive Outlook
- Net interest margin expected to remain above 3.1%
- Loan and lease growth expected to continue modestly
- Credit quality expected to remain strong with low charge-offs
- Capital ratios remain well above regulatory requirements
- Dividend policy reaffirmed with stable payout
Challenges Ahead
- Non-performing assets increased to $28.6M
- Higher provisions for credit losses compared to last year
- Deposit growth expected to remain slow
- Noninterest expense trending slightly higher
- Economic uncertainty in Hawaii and Pacific region could affect loan demand
Revenue & Expenses
Visualization of income flow from segment revenue to net income