FHB · First Hawaiian, Inc. Q2 FY2026 earnings call record财报电话会记录

“Median single-family home sales price on Oahu in June was $1.2 million, up 10.4% from the prior year.”

“The median condo sales price on Oahu in June was $528,000, up 3.5% from the prior year.”

“Our profitability measures remain strong, with a return on average tangible assets of 1.28% and a return on average tangible equity of 16.34% for the quarter.”

“This decline was consistent with our expectations of seasonal volatility in that segment.”

“We continue to expect full year loan growth to be in the 3%-4% range.”

“With the markets now expecting one rate increase later this year, we have revised our full year NIM outlook to be in the 3.24%-3.25% range.”

“The teams are doing a great job out there getting involved with their customers and retaining them.”

“None of these declines were losses of customers or anything like that.”

“Not only are existing customers growing their balances incrementally, but also working on a couple new customer relationships.”

“We think that spread in Q2 was about 140 basis points on the roll-on/roll-off, and we think somewhere in the neighborhood of 140-150 is, depending on the mix of those cash flows that come off the balance sheet.”

“We're probably not going to do buybacks throughout the rest of the year.”

“which meeting do you have the hike in the guidance in, and are you going to quantify just the sensitivity of the balance sheet in terms of what a 25 basis point rate hike does to the margin?”