First Hawaiian, Inc. reported adjusted earnings of $0.56 per share for the quarter ended December 31, 2025, exceeding the Zacks Consensus Estimate of $0.55 and up 36.6% from $0.41 a year earlier. While the company did not disclose total revenue in the summary release, the per-share gain reflects a sustained increase in net interest income and fee-based revenue. Management noted that year-over-year loan growth was driven by commercial real estate and hospitality sectors, which supported higher interest margins despite a competitive deposit environment.

During the earnings conference call, Chairman and CEO Bob Harrison emphasized First Hawaiian’s commitment to disciplined credit risk management and digital transformation initiatives. CFO Jamie Moses highlighted that non-GAAP operating expenses declined slightly from the prior quarter as efficiency programs in branch operations and technology continued to yield cost savings. Chief Risk Officer Lea Nakamura confirmed the bank’s allowance for credit losses remains conservatively reserved, with coverage ratios above peer averages. The executive team reiterated their full-year 2026 outlook, targeting mid-single-digit loan growth and a modest expansion of net interest margin, contingent on prevailing interest rates and economic conditions in Hawaii and Guam.