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First Hawaiian (FHB) reported $211 million in revenue for the quarter ended March 2025, representing a year-over-year increase of 2.5%. EPS of $0.47 for the same period compares to $0.42 a year ago.
The reported revenue compares to the Zacks Consensus Estimate of $210.33 million, representing a surprise of +0.32%. The company delivered an EPS surprise of +2.17%, with the consensus EPS estimate being $0.46.
While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.
As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.
Here is how First Hawaiian performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:
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Efficiency Ratio: 58.2% compared to the 60.2% average estimate based on three analysts.
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Net interest margin: 3.1% compared to the 3.1% average estimate based on three analysts.
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Average Balance - Total Earning Assets: $21.17 billion versus $21.15 billion estimated by three analysts on average.
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Total Non-Accrual Loans and Leases: $20.19 million versus the three-analyst average estimate of $22.60 million.
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Total Non-Performing Assets: $20.19 million versus the three-analyst average estimate of $24.26 million.
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Net charge-offs: 0.1% compared to the 0.1% average estimate based on three analysts.
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Total Noninterest Income: $50.48 million compared to the $51.15 million average estimate based on three analysts.
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Net Interest Income: $160.53 million compared to the $159.15 million average estimate based on three analysts.
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Other service charges and fees: $12.17 million versus the two-analyst average estimate of $11.67 million.
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Net Interest Income (FTE): $161.80 million compared to the $159.49 million average estimate based on two analysts.
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Bank-owned life insurance: $4.37 million versus $3.23 million estimated by two analysts on average.
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Noninterest income- Other: $2.52 million versus $2.81 million estimated by two analysts on average.
View all Key Company Metrics for First Hawaiian here>>>
Shares of First Hawaiian have returned -6.8% over the past month versus the Zacks S&P 500 composite's -6.6% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.
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