First Hawaiian (FHB) Margins & Profitability 2020-2026

Gross, EBITDA, operating, and net margin trends

Margins

Profit margins across the income statement

Gross Margin: 78.0%
EBITDA Margin: 33.9%
Op. Margin: 31.0%
Net Margin: 24.0%

Op. margin of 31.0% is up 4.0% YoY — cost efficiency is improving. Net margin at 24.0% and gross margin of 78.0% — earnings take a bigger bite when COGS stays lean..

Gross Margin (%)

Revenue left after direct cost of goods sold

EBITDA Margin (%)

Operating profitability independent of capital structure

Operating & Net Margins (%)

How much of each dollar becomes profit