First Hawaiian Bank (NASDAQ:FHB) surprises with Q3 2026 sales
First Hawaiian Bank reported Q3 2026 results. Net interest income matched estimates at $174.1M, with revenue beating expectations at $230.2M. However, efficiency ratio and EPS missed estimates, with EPS at $0.52 vs. $0.58 expected. Tangible book value per share also missed estimates at $14.97.
How this was made

The 30-second read
Why it matters
Mixed results with revenue beating estimates but EPS and efficiency ratio missing, suggesting short‑term pressure on the stock.
Market read
Earnings miss may trigger a sell‑off in FHB and could influence sentiment toward other regional banks.
What to watch
Net interest margin held steady and revenue beat could offset concerns if the bank tightens its expense ratio.
Background
First Hawaiian Bank (NASDAQ:FHB) released its Q3 2026 earnings, a routine quarterly update for the Hawaii‑based lender.
Ticker impact
First Hawaiian Bank reported Q3 2026 results with mixed performance: revenue beat, EPS miss, and a large efficiency ratio miss.
likely downside as market prices in the earnings miss and weak efficiency ratio
The report shows a 10.2% EPS miss and a 1,259.7‑bp efficiency ratio miss, which are material negative surprises for a regional bank.
Market effects
Regional bank earnings pressure could weigh on similar community banks.
Hawaii banking sector may see short‑term volatility.
Limited to U.S. regional banking segment.
Counterpoint
Despite the EPS miss, revenue beat and stable NIM may support a rebound if cost controls improve.
Key entities
- companyFirst Hawaiian Bank
Hawaii‑based commercial bank listed on NASDAQ.

