First Hawaiian, Inc. Overview
Pro stress-test →First Hawaiian Bank, dating back to 1858 as Hawaii's oldest bank, operates a full-service community bank providing deposit accounts, commercial and consumer loans, credit cards, and wealth management services across Hawaii, Guam, and Saipan. The company met Wall Street's revenue expectations in Q4 2025, with sales up 5.4% year on year to $225.9 million.
Strategic Profile
Pro stress-test →Net interest income makes up 75.6% of the company's total revenue, meaning lending operations are First Hawaiian Bank's largest source of revenue. Tangible book value per share growth has accelerated recently, growing by 11.7% annually over the last two years from $11.60 to $14.46 per share.
Competitive Landscape
Pro stress-test →First Hawaiian operates as Hawaii's largest community bank competing with national banks and regional financial institutions. Its franchise advantage stems from deep local roots and branch network dominance across Hawaii (49 branches), Guam (3), and Saipan (1). Competition comes from larger national banks and digital-first fintech competitors challenging traditional deposit and lending models.
Industry Context
First Hawaiian, Inc. operates in Regional Banking / Community Banking Services.
Key facts
Founded: 1858 · Headquarters: Honolulu, Hawaii · Revenue: $0.793B (2024 full-year)