First Hawaiian (FHB) reported $217.54 million in revenue for the quarter ended June 2025, representing a year-over-year increase of 6.3%. EPS of $0.58 for the same period compares to $0.48 a year ago. The reported revenue compares to the Zacks Consensus Estimate of $213.12 million, representing a surprise of +2.08%. The company delivered an EPS surprise of +18.37%, with the consensus EPS estimate being $0.49. While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance. 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: * **Net charge-offs**: 0.1% versus the two-analyst average estimate of 0.1%. * **Total Non-Accrual Loans and Leases**: $28.59 million versus $21.6 million estimated by two analysts on average. * **Net interest margin**: 3.1% compared to the 3.1% average estimate based on two analysts. * **Efficiency Ratio**: 57.2% versus the two-analyst average estimate of 58.7%. * **Average Balance - Total Earning Assets**: $21.17 billion compared to the $21 billion average estimate based on two analysts. * **Total Non-Performing Assets**: $28.59 million versus $24.1 million estimated by two analysts on average. * **Net Interest Income**: $163.58 million compared to the $161.99 million average estimate based on two analysts. * **Net Interest Income (FTE)**: $164.4 million compared to the $162.59 million average estimate based on two analysts. * **Total Noninterest Income**: $53.96 million versus $51.13 million estimated by two analysts on average. Shares of First Hawaiian have returned +1.9% over the past month versus the Zacks S&P 500 composite's +4.6% change. The stock currently has a Zacks Rank #4 (Sell), indicating that it could underperform the broader market in the near term.

Compared to Estimates, First Hawaiian (FHB) Q2 Earnings: A Look at Key Metrics

First Hawaiian (FHB) reported Q2 2025 revenue of $217.54 million, a 6.3% YoY increase, and EPS of $0.58, up from $0.48 a year ago. The results exceeded Zacks Consensus Estimates by +2.08% in revenue and +18.37% in EPS. Key metrics like net charge-offs, non-accrual loans, and net interest margin were compared to analyst forecasts. The stock returned +1.9% over the past month, with a Zacks Rank #4 (Sell).