First Hawaiian, Inc.

First Hawaiian, Inc. (FHB) is a regional bank headquartered in Hawaii that provides retail and commercial banking, mortgage lending, wealth management and treasury services across the Hawaiian Islands and selected Pacific markets. With a market capitalisation of about $2.96 billion, it serves consumers, small businesses and institutional clients via branch networks and digital channels. Key drivers include net interest income (sensitive to interest rates and deposit costs), loan growth, credit quality and the strength of the local tourism-driven economy. Investors should note concentration risk in a tourism-dependent region, sensitivity to changes in interest rates and competition from larger national banks. Regulatory oversight, capital adequacy and liquidity are central to its stability. For those evaluating FHB, examine loan-loss reserves, deposit trends, net interest margin and local economic indicators. This summary is educational only and not personalised investment advice; values can rise and fall and past performance does not guarantee future results. Consider your objectives and risk tolerance before investing.