Anthony Elian

David Feaster

Timur Braziler

Jared Shaw

Kelly Motta

Andrew Liesch

Andrew Terrell

Janet Lee

Jared David Shaw

Matthew Clark

Charlie Driscoll

Liam Coohill

- **Net income increased** in the third quarter of 2025, driven by higher net interest and non-interest income, with the effective tax rate returning to a more normalized **23.2%**.  **[0000036377_2202706_1]** 
- Net Interest Income (NII) was **$169.3 million**, an increase of **$5.7 million** from the prior quarter, and the Net Interest Margin (NIM) expanded by **eight basis points** to **3.19%**.  **[0000036377_2202706_2]** 
- Total loans declined by **$223 million** in Q3 2025, primarily in C&I, but the company anticipates strong originations in Q4, expecting to end the year approximately flat to year-end 2024.  **[0000036377_2202706_1]** 
- The company repurchased approximately **965,000 shares** for **$24 million** during the quarter, with **$26 million** remaining under the approved 2025 stock repurchase plan authorization.  **[0000036377_2202706_1]** 
- Credit metrics remained strong, with quarter-to-date net charge-offs at **$4.2 million** or **12 basis points** of total loans and leases, and non-performing assets (NPAs) at **26 basis points** at quarter-end.  **[0000036377_2202706_2]**

First Hawaiian Inc. Reports Increased Net Income and NIM Expansion in Q3 2025

- First Hawaiian Inc. reported increased net income in **Q3 2025**, with net interest income rising to **$169.3 million** and net interest margin (NIM) expanding by **eight basis points** to **3.19%**.  **[0000036377_2202730_1]** **[0000036377_2202730_2]** 
- Total deposits grew by approximately **$500 million** in Q3 2025, driven by commercial and public operating accounts, while loans declined by **$223 million** primarily due to reduced dealer flooring balances and corporate line of credit paydowns.  **[0000036377_2202730_1]** **[0000036377_2202730_2]**  The company anticipates loan balances to be flat to year-end 2024 by the end of 2025.  **[0000036377_2202730_1]** 
- The company repurchased approximately **965,000 shares** for **$24 million** during the quarter, with **$26 million** remaining under the 2025 stock repurchase plan.  **[0000036377_2202730_1]** 
- Credit quality remained strong, with **Q3 2025** net charge-offs at **$4.2 million** (12 basis points of total loans and leases), despite a **$30.1 million** increase in classified assets attributed to a single customer.  **[0000036377_2202730_2]** **[0000036377_2202730_6]** 
- Management expects positive NIM momentum in **Q4 2025**, projecting the margin to advance a few basis points from the September run rate of **3.16%**, and anticipates full-year expenses to be below **$506 million**.  **[0000036377_2202730_2]**

First Hawaiian Inc. Reports Strong Q3 2025 Results with Increased Net Income and NIM Expansion

- First Hawaiian Inc. reported increased net income in Q3 2025, with **net interest income** reaching **$169.3 million** and the **Net Interest Margin (NIM)** expanding by **8 basis points** to **3.19%**.  **[0000036377_2202767_2]** 
- Total deposits increased by approximately **$500 million**, while total loans declined by **$223 million**, primarily due to C&I paydowns; however, the company anticipates strong loan originations in Q4 2025, expecting to end the year about **flat to year-end 2024**.  **[0000036377_2202767_1]** **[0000036377_2202767_2]** 
- Management projects continued positive NIM momentum in Q4 2025, advancing a few basis points from the September run rate of **3.16%**, even with anticipated rate cuts.  **[0000036377_2202767_2]** 
- The company repurchased approximately **965,000 shares** for **$24 million** in Q3 2025, with **$26 million** remaining under the approved 2025 stock repurchase plan.  **[0000036377_2202767_1]** 
- Non-interest income is expected to normalize to a run rate of about **$54 million** per quarter, and full-year expenses are projected to come in **below $506 million**.  **[0000036377_2202767_2]** **[0000036377_2202767_5]**

- First Hawaiian, Inc. reported **net income of $73.8 million** and **diluted earnings per share of $0.59** for Q3 2025.  **[0000036377_2202045:4]** 
- The company's **Net Interest Margin increased 8 basis points to 3.19%** in Q3 2025.  **[0000036377_2202045:4]** 
- **Total deposits increased by $498.1 million**, while **total loans and leases decreased by $222.5 million** during Q3 2025.  **[0000036377_2202045:5]** 
- First Hawaiian, Inc. repurchased **964 thousand shares of common stock** at a total cost of **$24 million** and declared a **dividend of $0.26 per share**.  **[0000036377_2202045:5]** **[0000036377_2202045:4]** 
- The **CET1 Capital Ratio** was **13.24%** as of September 30, 2025.  **[0000036377_2202045:4]**

First Hawaiian, Inc. Reports Q3 2025 Financial Results

- First Hawaiian Inc. reported a strong third quarter of 2025, with **net income increasing** compared to the second quarter, and the effective tax rate returning to a more normalized **23.2%**.  **[0000036377_2202693_1]** 
- Net interest income was **$169.3 million**, and the Net Interest Margin (NIM) increased by **8 basis points** to **3.19%**.  **[0000036377_2202693_2]**  The company expects **positive NIM momentum** in the fourth quarter, advancing a few basis points from the September NIM of **3.16%**.  **[0000036377_2202693_2]** 
- Loans declined by **$223 million** in the quarter, primarily in C&I, but the company anticipates ending the year about **flat to year-end 2024** due to strong origination in Q4.  **[0000036377_2202693_1]**  Total deposits increased by **$500 million**.  **[0000036377_2202693_2]** 
- The bank repurchased approximately **965,000 shares** for **$24 million** during the quarter, with **$26 million** of remaining authorization under the approved 2025 stock repurchase plan.  **[0000036377_2202693_1]** 
- Credit performance remained strong, with a **$4.5 million provision** for credit losses in Q3 2025 and year-to-date net charge-offs of **$11.3 million** (11 bps annualized).  **[0000036377_2202693_2]**

- First Hawaiian, Inc. reported **net income of $73.8 million** and **diluted earnings per share of $0.59** for the third quarter ended September 30, 2025.  **[36377_0001104659-25-102000_fhb-20251024xex99d1.htm:0]** 
- The company's Board of Directors declared a quarterly cash dividend of **$0.26 per share**, payable on November 28, 2025, to stockholders of record on November 17, 2025.  **[36377_0001104659-25-102000_fhb-20251024xex99d1.htm:0]** 
- Total deposits increased by **$498.1 million** to **$20.7 billion** as of September 30, 2025, while total loans and leases decreased by **$222.5 million** to **$14.1 billion** compared to the prior quarter.  **[36377_0001104659-25-102000_fhb-20251024xex99d1.htm:0]** 
- Net interest income for the third quarter of 2025 was **$169.3 million**, an increase of **3.5%** compared to the prior quarter, and the net interest margin increased by **8 basis points to 3.19%**.  **[36377_0001104659-25-102000_fhb-20251024xex99d1.htm:0]** 
- During the third quarter, the company repurchased **964 thousand shares** of common stock at a total cost of **$24.0 million**.  **[36377_0001104659-25-102000_fhb-20251024xex99d1.htm:1]**

First Hawaiian, Inc. Reports Q3 2025 Financial Results and Declares Dividend

- First Hawaiian, Inc. (FHB) reported strong financial performance for the year ended **December 31, 2024**, with **$23.8 billion** in assets, **$14.4 billion** in loans, and **$20.3 billion** in deposits, alongside a Return on Average Tangible Common Equity (ROATCE) of **14.7%** and a Return on Average Tangible Assets (ROATA) of **1.0%**.  **[0000036377_2202047:5]** **[0000036377_2202047:6]** 
- FHB maintains a leading market position as the **oldest and largest Hawaii-based bank**, holding a **32.5%** deposit market share as of **June 30, 2024**, and is characterized by a balanced loan portfolio (**56% Commercial, 44% Consumer**) with strong credit quality, evidenced by **0.00%** Net Charge-Offs to Average Loans for **2024**.  **[0000036377_2202047:5]** **[0000036377_2202047:6]** **[0000036377_2202047:9]** **[0000036377_2202047:10]** 
- The company is well-capitalized, with a Common Equity Tier 1 (CET1) ratio of **12.8%** as of **December 31, 2024**, and demonstrated commitment to shareholder returns through an attractive dividend yield of **3.7%** and **$40 million** in share repurchases during **2024**.  **[0000036377_2202047:12]**

FIRST HAWAIIAN (FHB)