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First Hawaiian (FHB) guidance and outlook

First Hawaiian's 10-Q filed Nov 2, 2026 makes 18 forward-looking statements.

Guidance and outlook

Forward-looking statements, 10-Q filed Nov 2, 2026

• The Company’s routine funding requirements are expected to consist primarily of general corporate needs and capital to be returned to our shareholders.
• We expect to meet these obligations from dividends paid by the Bank to the Parent.
• For our held-to-maturity investment securities, we utilize the Current Expected Credit Loss (“CECL”) approach to estimate lifetime expected credit losses.
• Our commercial lending activities on the U.S. mainland include automobile dealer flooring activities in California, participation in the Shared National Credits Program and selective commercial real estate projects based on existing customer relationships.
• Furthermore, as of September 30, 2026, the ACL was considered adequate based on our ongoing analysis of estimated expected credit losses, credit risk profiles, current economic outlook, coverage ratios and other relevant factors.
• We will continue to monitor factors that drive expected credit losses including the uncertainty of the economy, inflation and geopolitical instability.
• Future events, including geopolitical concerns, inflation concerns, global supply chain issues, and other factors affecting the economy, that could cause a significant decline in our expected future cash flows or a significant adverse change in our business or the business climate may necessitate taking charges in future reporting periods related to the impairment of our goodwill.
• The timing and exact amount of stock repurchases, if any, will be subject to management’s discretion and various factors, including the Company’s capital position and financial performance, as well as market conditions.
• However, because this analysis is typically performed on a forward looking basis, real estate construction projects typically present a higher risk profile in our lending activities.
• Because of limitations inherent in any approach used to measure interest rate risk, simulation results are not intended as a forecast of the actual effect of a change in market interest rates on our results but rather as a means to better plan and execute appropriate asset liability management strategies to manage our interest rate risk.
• We evaluate the sensitivity by using a static forecast, where the balance sheets as of September 30, 2026 and December 31, 2025 are held constant.
• Currently, our interest rate profile, assuming a constant balance sheet, is such that we project net interest income will benefit from higher interest rates as our assets would reprice faster and to a greater degree than our liabilities, while in the case of lower interest rates, our assets would reprice downward and to a greater degree than our liabilities.

First Hawaiian's latest quarter

Questions

What does First Hawaiian expect?

The Company’s routine funding requirements are expected to consist primarily of general corporate needs and capital to be returned to our shareholders. We expect to meet these obligations from dividends paid by the Bank to the Parent. For our held-to-maturity investment securities, we utilize the Current Expected Credit Loss (“CECL”) approach to estimate lifetime expected credit losses.

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Updated Nov 8, 2026. Read automatically from SEC filings and public data; errors are possible. Not investment advice.