Financial insights of FHB

MyFinsight

For the quarter ending 2025-09-30, FHB made $498,623K in revenue. $73,840K in net income. Net profit margin of 14.81%.

Unit: Thousand (K) dollars (except for numbers of shares and EPS)

Income Statement	2025-09-30	2025-06-30
Loans and lease financing	196,441	193,393
Available-for-sale investment securities	13,470	12,469
Held-to-maturity investment securities	15,920	16,299
Other	16,744	14,578
Total interest income	242,575	236,739
Deposits	70,851	70,289
Short-term borrowings	2,195	2,627
Other	198	240
Total interest expense	73,244	73,156
Net interest income	169,331	163,583
Provision for credit losses	4,500	4,500
Net interest income after provision for credit losses	164,831	159,083
Service charges on deposit accounts	8,096	7,830
Credit and debit card fees	15,850	15,913
Other service charges and fees	13,807	13,350
Trust and investment services income	9,212	9,154
Bank-owned life insurance	6,314	4,724
Other	3,781	2,987
Total noninterest income	57,060	53,958
Salaries and employee benefits	61,533	59,501
Contracted services and professional fees	15,785	15,997
Occupancy	7,098	7,934
Equipment	13,834	14,037
Regulatory assessment and fees	3,294	3,759
Advertising and marketing	2,033	2,035
Card rewards program	8,694	8,406
Other	13,473	13,270
Total noninterest expense	125,744	124,939
Income before provision for income taxes	96,147	88,102
Provision for income taxes	22,307	14,855
Net income	73,840	73,247

Earnings per share, basic	0.59	0.58
Earnings per share, diluted	0.59	0.58
Weighted average number of shares outstanding, basic	124,267,090	125,321,837
Weighted average number of shares outstanding, diluted	124,970,898	125,833,064