First Hawaiian, Inc.
fhb.comWhat Do They Do?
Provides deposit accounts, loans and wealth management services to consumers, small businesses and middle-market and large Hawaii-based businesses.
10-K for FY2025, filed Feb 27, 2026
How Do They Make Money?
Earns interest on loans and other financial assets, and fees for deposit-account services, card and merchant transactions, and managing customer assets. Account fees are charged daily or monthly, transaction fees as services are delivered, and trust fees are generally based on the value of managed assets.
10-K for FY2025, filed Feb 27, 2026Through the Bank, we operate a network of 49 branches in Hawaii (45 branches), Guam (3 branches) and Saipan (1 branch). We provide a…View ↗
The following table summarizes the Company’s revenues, which includes net interest income on financial instruments and noninterest income…View ↗
Most of the Company’s revenue is not within the scope of Topic 606. The guidance explicitly excludes net interest income from financial…View ↗
Service charges on deposit accounts relate to fees generated from a variety of deposit products and services rendered to customers. Charges…View ↗
Credit and debit card fees primarily represent revenues earned from interchange fees, ATM fees and merchant processing fees. Interchange…View ↗
Trust and investment services fees represent revenue earned by directing, holding and managing customers’ assets. Fees are generally…View ↗
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10-K for FY2025, filed Feb 27, 2026
FY2025 revenue by reportable segment ↗
$880.8M
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10-K for FY2025, filed Feb 27, 2026
$880.8M ↗
| Segment | Share | Revenue |
|---|---|---|
|
Retail Banking
|
71%
FY2022: 67%
|
Retail Banking, FY2025
$628.8M Sources
|
|
Commercial Banking
|
29%
FY2022: 30%
|
Commercial Banking, FY2025
$255.3M Sources
|
|
Corporate/Other
|
−0.4% |
Corporate/Other, FY2025
−$3.4M Sources
|
Who Are Their Customers?
Consumers and small businesses can use branches, online and mobile channels; the bank also serves middle-market and large Hawaii-based businesses with commercial banking services.
10-K for FY2025, filed Feb 27, 2026Through the Bank, we operate a network of 49 branches in Hawaii (45 branches), Guam (3 branches) and Saipan (1 branch). We provide a…View ↗
Do Revenues Turn Into Profits?
Yes. It kept 31 cents of every revenue dollar as net income in FY2025 and turned 34 cents into free cash flow.
How Are They Changing?
10-Q for Q2 FY2026, filed Aug 3, 2026
Open tableView ↗
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Jul 15, 2026
Agreed to acquire TriCo Bancshares
The agreement provides for Tri Counties Bank to merge into First Hawaiian Bank, subject to required approvals, shareholder votes and other closing conditions.
Sources
8-K, filed Jul 15, 2026
On July 12, 2026, First Hawaiian, Inc., a Delaware corporation (“FHI”), entered into an Agreement and Plan of Reorganization and Merger…View ↗
Growing. Revenue grew 23% in 4 years, from $715.5M in FY2021 to $880.8M in FY2025, about 5% a year.
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