FHB FIRST HAWAIIAN, INC. - 10-Q - (2025-11-03)

FIRST HAWAIIAN, INC. (FHB) Q3/9M 2025 TL;DR

FIRST HAWAIIAN, INC. reported strong profitability and maintained robust capital strength for the nine months ended September 30, 2025.

FINANCIAL PERFORMANCE & CAPITAL Net Income for Q3 rose 20% YoY to $73.8 million ($0.59 Diluted EPS), contributing to $206.3 million net income for the nine months (16% YoY growth). Net Interest Income (NII) grew to $493.4 million (9M YTD), as the Net Interest Margin (NIM) expanded 24 basis points to 3.19% due to lower deposit funding costs. The company remains well-capitalized, with the CET1 Ratio at 13

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