First Hawaiian, Inc. (FHB) Earnings Call Transcripts

First Hawaiian, Inc.'s Latest Earnings Call - Q1 FY2026

First Hawaiian, Inc. reported its Q1 2026 earnings, highlighting a strong start to the year with growth in loans and deposits, solid credit quality, and robust capital levels. Revenue details were not explicitly mentioned, but net interest income was $167.5 million, reflecting a slight decline from the previous quarter. Earnings specifics were not provided, but the return on average tangible assets was 1.2%, and return on average tangible equity was 15.3%. Management revised its full-year net interest margin (NIM) guidance slightly upward to 3.22%-3.23%, reflecting expectations of no rate cuts this year.

Reported metrics

Guidance from management

Management expects full-year loan growth of 3%-4% and revised the full-year NIM outlook to 3.22%-3.23%. They anticipate noninterest income to be around $220 million and expenses to gradually increase to about $520 million for the year.

What management said

Thanks, Lea. Turning to Slide 9. We have updated our outlook for key performance drivers. We continue to expect full year loan growth to be in the 3% to 4% range. With the markets now expecting no rate cuts this year, we have revised our full year NIM outlook to be in the 3.22% to 3.23% range. We expect second quarter NIM to be up 2 to 3 basis points from the first quarter. Our outlook for noninterest income remain...

The right answer to that is the balance sheet repricing story that we've had and seen for the last year or two. So again, just to remind everybody, we have about $400 million of fixed rate cash flows that come off every quarter that get repriced at about a 155 basis point spread higher on a weighted average basis between loans and securities. And so Tony, that's really the driver as we go forward, right? So we stil...

What analysts pressed on

Analysts questioned the drivers behind the NIM increase and the sustainability of deposit cost improvements. There were also inquiries about competitive pressures in both the loan and deposit markets, and the potential impact of proposed capital changes on the bank's ratios.

Main topics on the call

• Loan and Deposit Growth — Total loans grew by $128 million, a 3.6% annualized increase, driven by CRE and C&I loans. Deposits increased by $262 million, primarily due to growth in public operating balances. Management noted that retail and commer...
• Net Interest Margin Outlook — Net interest margin was 3.19%, down 2 basis points sequentially. Management revised the full-year NIM outlook to 3.22%-3.23%, expecting a 2-3 basis point increase in Q2, driven by balance sheet repricing dynamics.
• Credit Quality — Credit risk remains low and stable. Criticized assets decreased by 21 basis points, and nonperforming assets were 30 basis points of total loans, down 1 basis point from the prior quarter.
• Noninterest Income and Expense — Noninterest income was $52.8 million, down due to lower BOLI income and swap fee activity. Noninterest expense was $127.9 million, with no unusual items, and management maintained its full-year expense outlook at $520 mi...

Read the full First Hawaiian, Inc. transcript (Q1 FY2026) → Summary generated from the call transcript; every figure above is stated by management on the record.

Earnings Call History

EarningsCalls.dev has 34 First Hawaiian, Inc. earnings call transcripts on record, spanning January 28, 2020 to July 24, 2026. Based on this history, First Hawaiian, Inc. reports quarterly. The most recent call on file is dated July 24, 2026. The full list is below — each row opens the complete, free-to-read transcript.

Ticker

FHB

Exchange

NasdaqGS

Country

US

Sector

Financials

Industry

Banks

Calls on record

34

First call

January 28, 2020

Most recent

July 24, 2026

Reporting cadence

quarterly