FHB First Hawaiian margins

Relative Growth: Rel. Growth:

Relative Strength: Rel. Strength:

Relative Valuation: Rel. Valuation:

Relative Profitability: Rel. Profitability: 81

Gross margin

100%

Operating margin

42.2%

EBITDA margin

45.8%

Net margin

32.3%

Current First Hawaiian reports a gross margin of 100%, an operating margin of 42.2%, an EBITDA margin of 45.8%, and a net margin of 32.3%. Operating margin expanded by 4.2 percentage points, while other available margins were unchanged.

FHB margin history

Gross, operating, EBITDA and net margin trends

Over the last 3 years, First Hawaiian's margins averaged 100% gross, 38.57% operating, 43.09% EBITDA, and 30.02% net. Currently, operating, EBITDA, and net margins are above their three-year averages.

FHB margin expansion

Year-over-year margin changes in percentage points

From the same period last year, operating margin expanded by 4.2 percentage points, EBITDA margin by 3.2 percentage points, and net margin by 1.7 percentage points, while gross margin was unchanged.

Gross margin expansion

0pp

Operating margin expansion

4.2pp

EBITDA margin expansion

3.2pp

Net margin expansion

1.7pp

FHB Gross margin

First Hawaiian recorded an average gross margin of 100% across the last 3 years. Currently, the current gross margin for First Hawaiian is 100%, in line with its three-year average. The gross margin for First Hawaiian moved between 100% in Dec 2023 and 100% in Jun 2026.

FHB Operating margin

Across the last 3 years, First Hawaiian recorded an average operating margin of 38.57%. Against its three-year average, First Hawaiian's operating margin is currently 42.2%, 3.6 percentage points above its three-year average. The highest operating margin for First Hawaiian was 42.2% in Jun 2026, while the lowest was 35.9% in Sep 2024.

FHB EBITDA margin

Across the last 3 years, First Hawaiian's EBITDA margin came to 43.09%. The current EBITDA margin stands at 45.8%, 2.7 percentage points above its three-year average. EBITDA margin was highest at 45.9% in Mar 2026 and lowest at 40.7% in Sep 2024.

FHB Net margin

Over the last 3 years, the average net margin for First Hawaiian was 30.02%. The latest net margin for First Hawaiian is 32.3%, 2.3 percentage points above its three-year average. First Hawaiian's net margin ranged from a low of 27.6% in Jun 2024 to a high of 32.8% in Mar 2026.

FHB margin group comparison

Margins compared with peer-group, industry and sector averages

With a gross margin of 100%, FHB ranks higher than the Financial Services sector and the industry average. In comparison with the Financial Services sector average of 83.4%, First Hawaiian's gross margin is 20% higher.

FHB margin peer comparison

Compare margins with selected peers

Frequently asked questions

What is First Hawaiian's gross margin?

For the period ending Jun 30, 2026, FHB recorded a gross margin of 100%.

What is First Hawaiian's operating margin?

As of Jun 30, 2026, FHB has an operating margin of 42.2%.

What is First Hawaiian's EBITDA margin?

For the period ending Jun 30, 2026, FHB recorded an EBITDA margin of 45.8%.

What is First Hawaiian's net margin?

For the period ending Jun 30, 2026, FHB recorded a net margin of 32.3%.

What are the average margins of FHB?

The three-year average margins for FHB were 100.0% gross, 38.6% operating, 43.1% EBITDA, and 30.0% net.

What are the highest historical margins of FHB?

In the last 5 years, the highest margins reported by FHB were 100% gross in Jun 2026, 46.3% operating in Dec 2021, 53.1% EBITDA in Dec 2021, and 35.2% net in Dec 2021.

What are the lowest historical margins of FHB?

Over the last 5 years, First Hawaiian's lowest margins were 100% gross in Dec 2021, 35.9% operating in Sep 2024, 40.7% EBITDA in Sep 2024, and 27.6% net in Jun 2024.