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Dec 31, 2025
First Hawaiian Q4 2025 Earnings Report
First Hawaiian, Inc. reported its financial results for the fourth quarter ended December 31, 2025, showing an increase in net interest income and a declaration of a quarterly cash dividend.
Key Takeaways
First Hawaiian, Inc. concluded 2025 with a strong fourth quarter, reporting a net income of $69.9 million and diluted earnings per share of $0.56. The company saw growth in loans and retail and commercial deposits, maintaining its position as the most profitable bank in the state. The Board of Directors declared a quarterly cash dividend of $0.26 per share and adopted a stock repurchase program of up to $250.0 million.
Net income for Q4 2025 was $69.9 million, with diluted EPS at $0.56.
Total loans and leases increased by $183.1 million from the prior quarter, reaching $14.3 billion.
Net interest margin improved by 2 basis points to 3.21% in Q4 2025.
The company declared a quarterly cash dividend of $0.26 per share and initiated a $250.0 million stock repurchase program.
Revenue by Segment
Revenue by Geographic Location
Forward Guidance
The company's forward-looking statements indicate a cautious but optimistic outlook, with expectations of continued growth and profitability, while acknowledging potential risks from economic and market conditions.
Positive Outlook
- Continued growth in loans and deposits is anticipated.
- The company expects to maintain its profitability.
- The stock repurchase program signals confidence in future financial performance.
- Management believes current expectations are reasonable.
- The company aims to sustain its dividend payouts.
Challenges Ahead
- Future performance is subject to risks, assumptions, estimates, and uncertainties.
- Actual results may differ materially from forward-looking statements.
- Domestic and global economic conditions pose potential risks.
- Capital market conditions could impact financial results.
Historical Earnings Impact
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Avg. Return Before/After Earnings
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