First Hawaiian Projects 2026 Loan Growth at 1%-2%, Q4 Net Interest Margin at 3.34%-3.35%

First Hawaiian Inc (FHB) reported Q3 2026 earnings with loan growth declining by $115M, reducing full-year outlook to 1%-2%. Net charge-offs rose to $21.9M, driven by a Seattle office loan charge-off. NIM is expected to be 3.34%-3.35% in Q4. The company paused share buybacks due to the pending TriCo merger, with integration planning progressing well. Credit metrics showed elevated criticized assets and nonperforming assets, partly due to operational issues.

First Hawaiian Bank (FHB) shares fell 3.7% after reporting Q3 earnings below estimates. EPS was 52 cents, missing consensus by 7 cents. Net income declined to $63.7M from prior quarters. Revenue was $230.23M, up 1.7% YoY. The drop was driven by higher credit losses and one-time costs. The stock later recovered slightly to $25.27, down 3.3%.

First Hawaiian (FHB) reported Q3 2026 earnings with net interest income up 5 basis points to $174.1M, driven by higher margins. Deposits grew $50M, while loans declined $115M due to unexpected CRE payoffs. Credit quality remains strong, but there were isolated issues. The company reduced its full-year loan growth outlook to 1-2% and expects NIM of 3.34-3.35% in Q4. Noninterest income is projected at $220M for the year, with expenses at $510-515M, excluding merger and tax costs.

First Hawaiian (FHB) reported Q3 earnings, noting a $115M loan decline due to commercial real estate payoffs and reduced loan growth guidance. A $12.5M charge-off on a Seattle office loan impacted credit results. The company expects 1-2% full-year loan growth and raised its net interest margin outlook. Noninterest expenses were forecasted lower. Management discussed TriCo integration, focusing on customer retention and market expansion.

First Hawaiian Inc. (FHB) reported Q3 2026 earnings of $0.52 per share, missing estimates. Revenue was $230.23M, slightly beating expectations. Shares fell 3.5% premarket. Net interest margin expanded, but credit costs rose. The bank plans to acquire TriCo Bancshares, with shareholder votes scheduled for October 29.

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.