$FHB 8-K earnings — Q2 FY26

EPS of $0.60 beat consensus of $0.55 by $0.05 or 9.1%. Revenue quality was solid as net interest income rose $3.5M QoQ to $171M, while NIM improved 6bps to 3.25%, driven by loan growth of $136.5M. The market may miss that the $5.6M provision for credit losses was slightly elevated vs $5.0M last quarter, but net charge-offs improved to 0.11% from 0.14%, signaling stable credit quality.

EPS of $0.60 beat consensus of $0.55 by $0.05 or 9.1%. Revenue quality was solid as net interest income rose $3.5M QoQ to $171M, while NIM improved 6bps to 3.25%, driven by loan growth of $136.5M. The market may miss that the $5.6M provision for credit losses was slightly elevated vs $5.0M last quarter, but net charge-offs improved to 0.11% from 0.14%, signaling stable credit quality.