First Hawaiian Reports Strong Q3 Earnings With Improved Capital Ratios

First Hawaiian Inc. reported strong third-quarter financial results for 2025, with earnings per share of $0.59, surpassing analyst expectations by 13-14%, and revenues rising 7.8% year-over-year to $226.4 million. The bank's net interest margin improved to 3.19%, supported by effective asset repricing and loan fee income, while capital ratios also saw increases, reflecting enhanced financial health. Net charge-offs slightly increased to $4.2 million, or 0.12% of average loans, indicating stable credit quality amidst rising loan paydowns and deposit growth. CEO Bob Harrison highlighted the bank's market-leading performance, crediting team collaboration and operational efficiency for the strong results. Despite robust earnings and capital metrics, the company faces some caution due to slowing revenue growth over the past two years, although it continues to maintain solid tangible book value per share and low debt levels. Overall, First Hawaiian's financial stability and positive quarterly performance position it well within the regional banking sector, though investors remain watchful of future earnings trends and management guidance.