First Hawaiian | 10-Q: FY2025 Q3 Revenue: USD 299.64 M

Revenue: As of FY2025 Q3, the actual value is USD 299.64 M.

EPS: As of FY2025 Q3, the actual value is USD 0.59, beating the estimate of USD 0.5176.

EBIT: As of FY2025 Q3, the actual value is USD -73.18 M.

Retail Banking Segment

• Net Interest Income: $169.3 million for Q3 2025, up from $156.7 million in Q3 2024.
• Provision for Credit Losses: $4.5 million for Q3 2025, down from $7.4 million in Q3 2024.
• Noninterest Income: $57.1 million for Q3 2025, up from $53.3 million in Q3 2024.
• Noninterest Expense: $125.7 million for Q3 2025, down from $126.1 million in Q3 2024.
• Net Income: $73.8 million for Q3 2025, up from $61.5 million in Q3 2024.

Commercial Banking Segment

• Net Interest Income: $493.4 million for the nine months ended September 30, 2025, up from $463.9 million for the same period in 2024.
• Provision for Credit Losses: $19.5 million for the nine months ended September 30, 2025, up from $15.5 million for the same period in 2024.
• Noninterest Income: $161.5 million for the nine months ended September 30, 2025, up from $156.4 million for the same period in 2024.
• Noninterest Expense: $374.2 million for the nine months ended September 30, 2025, down from $377.0 million for the same period in 2024.
• Net Income: $206.3 million for the nine months ended September 30, 2025, up from $177.6 million for the same period in 2024.

Treasury and Other Segment

• Net Interest Income: $169.3 million for Q3 2025, up from $156.7 million in Q3 2024.
• Provision for Credit Losses: $4.5 million for Q3 2025, down from $7.4 million in Q3 2024.
• Noninterest Income: $57.1 million for Q3 2025, up from $53.3 million in Q3 2024.
• Noninterest Expense: $125.7 million for Q3 2025, down from $126.1 million in Q3 2024.
• Net Income: $73.8 million for Q3 2025, up from $61.5 million in Q3 2024.

Cash Flow

• Operating Cash Flow: $230.2 million for the nine months ended September 30, 2025, up from $203.7 million for the same period in 2024.
• Investing Cash Flow: $475.0 million for the nine months ended September 30, 2025, down from $586.4 million for the same period in 2024.
• Financing Cash Flow: -$19.7 million for the nine months ended September 30, 2025, up from -$1,457.2 million for the same period in 2024.

Future Outlook and Strategy

• Core Business Focus: The company aims to continue growing its net interest income and noninterest income while managing noninterest expenses and provisions for credit losses. The focus will be on maintaining strong credit quality and expanding its customer base in core markets.
• Non-Core Business: The company plans to explore opportunities in emerging segments and new markets to diversify its revenue streams and reduce dependency on traditional banking products.