

First Hawaiian, Inc. ( FHB ) Q3 2026 Earnings Call October 23, 2026 1:00 PM EDT Company Participants Kevin Haseyama - Strategic Planning & Investor Relations Manager Robert Harrison - Chairman of the Board, President & CEO James Moses - Vice Chairman of Finance Group & CFO Lea Nakamura - Executive VP & Chief Risk Officer of Risk Management Group Conference Call Participants Andrew Terrell - Stephens Inc., Research Division David Feaster - Raymond James & Associates, Inc., Research Division Anthony Elian - JPMorgan Chase & Co, Research Division Matthew Clark - Piper Sandler & Co., Research Division Sun Young Lee - TD Cowen, Research Division Andrew Liesch - StoneX Financial, Inc., Research Division Meghan Lynch - Keefe, Bruyette, & Woods, Inc., Research Division Presentation Operator Thank you for standing by, and welcome to the First Hawaiian, Inc. Third Quarter 2026 Earnings Conference Call. [Operator Instructions] As a reminder, today's program is being recorded.

First Hawaiian NASDAQ: FHB said its third-quarter results reflected higher net interest income, lower deposit costs and continued deposit growth, while credit metrics were affected by a charge-off tied to a downtown Seattle office property and several commercial real estate downgrades.

First Hawaiian, Inc. demonstrates core stability with strong deposit growth and resilient net interest margin despite sector-wide funding pressures. Q3 EPS missed at $0.52 due to one-off tax and CRE loan charges, but tangible book value rose 6.5% year-over-year to $14.97. FHB's efficiency ratio temporarily spiked to 69.2% on non-recurring expenses, yet capital levels and dividend yield (~4.0%) remain robust.

While the top- and bottom-line numbers for First Hawaiian (FHB) give a sense of how the business performed in the quarter ended September 2026, it could be worth looking at how some of its key metrics compare to Wall Street estimates and year-ago values.

First Hawaiian (FHB) came out with quarterly earnings of $0.52 per share, missing the Zacks Consensus Estimate of $0.6 per share. This compares to earnings of $0.59 per share a year ago.

First Hawaiian, Inc. (NASDAQ:FHB) will release earnings for its third quarter before the opening bell on Friday, Oct. 23.

First Hawaiian (FHB) doesn't possess the right combination of the two key ingredients for a likely earnings beat in its upcoming report. Get prepared with the key expectations.

Svenska Handelsbanken Ab Publ (OTCMKTS:SVNLY - Get Free Report) and First Hawaiian (NASDAQ: FHB - Get Free Report) are both finance companies, but which is the better business? We will compare the two businesses based on the strength of their earnings, profitability, dividends, analyst recommendations, risk, valuation and institutional ownership. Analyst Ratings This is a breakdown