First Hawaiian, Inc.
FHB Nasdaq· State Commercial Banks
Last close · Oct 26, 2026
$25.34
KIRA · Stoqly’s AI analyst, in plain words
- First Hawaiian, Inc. had $881M of revenue in fiscal 2025, up 8.9% on the year before. Over five years, revenue changed +3.7% a year on average.
- First Hawaiian, Inc. made $276M of net profit in fiscal 2025. From fiscal 2016 to 2025, diluted EPS grew 3.2% a year.
- First Hawaiian, Inc. returned $231M to shareholders in fiscal 2025, 76% of free cash flow. The diluted share count fell 2.2%.
- It earned 10.3% on shareholders’ money. Running costs took 56.7% of revenue (the efficiency ratio; lower is better).
Market cap
$3.1B
P/E
11.0x
Revenue
$881M
Net income
$276M
Return on equity
10.3%
Efficiency ratio
56.7%
First Hawaiian, Inc. in 30 seconds · fiscal 2025
Are sales growing?
+8.9%
Yes. Sales grew 8.9% last year.
Does it make a profit?
31.4%
Yes. It keeps 31.4% of every sale as profit.
How lean are its costs?
56.7%
Average. Running costs take 56.7% of revenue.
How much does it earn on its capital?
10.3%
Fair. It earns 10.3% a year on shareholders’ money.
How is the share priced?
11.0x
One share costs 11.0 times its yearly profit per share.
What First Hawaiian, Inc. does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Feb 27, 2026
- Legal name
- FIRST HAWAIIAN, INC.
- CIK
- 0000036377
First Hawaiian, Inc. · FHB
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $715M | $793M | $837M | $809M | $881M |
| Revenue growth | −2.4% | 10.8% | 5.5% | −3.4% | 8.9% |
| Net interest income | $531M | $614M | $636M | $623M | $664M |
| Net income | $266M | $266M | $235M | $230M | $276M |
| Net margin | 37.1% | 33.5% | 28.1% | 28.5% | 31.4% |
| Diluted EPS | $2.05 | $2.08 | $1.84 | $1.79 | $2.20 |
| Cash | |||||
| Cash from operations | $417M | $431M | $255M | $318M | $335M |
| Capital expenditure | $20.5M | $13.3M | $16.0M | $28.8M | $31.8M |
| Free cash flow | $397M | $417M | $239M | $289M | $303M |
| FCF margin | 55.4% | 52.6% | 28.6% | 35.7% | 34.4% |
| Dividends paid | $134M | $133M | $133M | $133M | $131M |
| Share buybacks | $75.0M | $9.5M | — | $40.0M | $100M |
| Share count change | −0.5% | −1.2% | −0.1% | 0.3% | −2.2% |
| Debt and strength | |||||
| Cash and short-term investments | $1.3B | $527M | $1.7B | $1.2B | $1.5B |
| Debt incl. finance leases | — | $75.0M | $500M | $250M | $0.0M |
| Loans, net | $12.8B | — | — | — | — |
| Deposits | $21.8B | $21.7B | $21.3B | $20.3B | $20.5B |
| Shareholders' equity | $2.7B | $2.3B | $2.5B | $2.6B | $2.8B |
| Returns and quality | |||||
| Return on equity | 9.8% | 10.8% | 9.9% | 9.0% | 10.3% |
| Return on tangible equity | 16.1% | 21.0% | 15.8% | 14.2% | 15.6% |
| Efficiency ratio | 56.7% | 55.5% | 59.9% | 62.0% | 56.7% |
| Piotroski F-score | — | — | 5 | 6 | 7 |
Insiders bought, 12 months
$0.0M
0 insiders
Insiders sold, 12 months
$1.1M
2 insiders
Of sales under plans
0%
$0.0M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Net income:
- Profit after all expenses, interest and tax.
- Efficiency ratio:
- Noninterest expense as a share of revenue. Lower is better for banks.
- Return on equity:
- Net income as a share of average shareholders' equity.
- Return on tangible equity:
- Net income to common over equity minus goodwill and intangibles.
- Diluted EPS:
- Net income per diluted share.
First Hawaiian, Inc. · FHB
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Return on equity and efficiency ratio
Loans and deposits
Dividends and buybacks
Diluted EPS
KIRA
At $25.34 a share, the company is worth $3.1B: 11.0 times its earnings of the last four quarters.
Source: SEC EDGAR XBRL filings (CIK 0000036377). Data updated October 24, 2026. For information only — not investment advice. Check the original filings before relying on any figure.