As the Q4 earnings season wraps, let’s dig into this quarter’s best and worst performers in the regional banks industry, including First Hawaiian Bank (NASDAQ: FHB) and its peers.

Regional banks, financial institutions operating within specific geographic areas, serve as intermediaries between local depositors and borrowers. They benefit from rising interest rates that improve net interest margins (the difference between loan yields and deposit costs), digital transformation reducing operational expenses, and local economic growth driving loan demand. However, these banks face headwinds from fintech competition, deposit outflows to higher-yielding alternatives, credit deterioration (increasing loan defaults) during economic slowdowns, and regulatory compliance costs. Recent concerns about regional bank stability following high-profile failures and significant commercial real estate exposure present additional challenges.

The 93 regional banks stocks we track reported a satisfactory Q4. As a group, revenues beat analysts’ consensus estimates by 1.5%.

Thankfully, share prices of the companies have been resilient as they are up 6.9% on average since the latest earnings results.

First Hawaiian Bank (NASDAQ: FHB)

Dating back to 1858 as Hawaii's oldest bank with deep roots in the Pacific island communities, First Hawaiian (NASDAQ: FHB) operates a full-service community bank providing deposit accounts, commercial and consumer loans, credit cards, and wealth management services across Hawaii, Guam, and Saipan.

First Hawaiian Bank reported revenues of $225.9 million, up 5.4% year on year. This print was in line with analysts’ expectations, but overall, it was a mixed quarter for the company with a narrow beat of analysts’ tangible book value per share estimates but EPS in line with analysts’ estimates.

“I’m happy to report that First Hawaiian finished 2025 with another strong quarter,” said Bob Harrison, Chairman, President, and CEO.

Unsurprisingly, the stock is down 1.2% since reporting and currently trades at $27.23.

Read our full report on First Hawaiian Bank here, it’s free.

Best Q4: Merchants Bancorp (NASDAQ: MBIN)

With a strategic focus on low-risk, government-backed lending programs, Merchants Bancorp (NASDAQCM:MBIN) is an Indiana-based bank holding company specializing in multi-family mortgage banking, mortgage warehousing, and traditional banking services.

Merchants Bancorp reported revenues of $185.3 million, down 4.4% year on year, outperforming analysts’ expectations by 7.8%. The business had a stunning quarter with a beat of analysts’ EPS estimates and a solid beat of analysts’ net interest income estimates.

The market seems happy with the results as the stock is up 24.4% since reporting. It currently trades at $43.49.

Is now the time to buy Merchants Bancorp? Access our full analysis of the earnings results here, it’s free.

Weakest Q4: The Bancorp (NASDAQ: TBBK)

Operating behind the scenes of many popular fintech apps and prepaid cards you might use daily, The Bancorp (NASDAQ: TBBK) is a bank holding company that specializes in providing banking services to fintech companies and offering specialty lending products.

The Bancorp reported revenues of $172.7 million, up 8.2% year on year, falling short of analysts’ expectations by 11%. It was a disappointing quarter as it posted a significant miss of analysts’ tangible book value per share estimates and a significant miss of analysts’ revenue estimates.

As expected, the stock is down 12.2% since the results and currently trades at $61.94.

Read our full analysis of The Bancorp’s results here.

Zions Bancorporation (NASDAQ: ZION)

Founded in 1873 during Utah's pioneer era and named after Mount Zion in the Bible, Zions Bancorporation (NASDAQ: ZION) operates seven regional banks across the Western United States, providing commercial, retail, and wealth management services to over a million customers.

Zions Bancorporation reported revenues of $879 million, up 7.1% year on year. This print topped analysts’ expectations by 1%. Aside from that, it was a mixed quarter as it also logged a narrow beat of analysts’ tangible book value per share estimates but net interest income in line with analysts’ estimates.

The stock is up 10.3% since reporting and currently trades at $65.15.

Read our full, actionable report on Zions Bancorporation here, it’s free.

Texas Capital Bank (NASDAQ: TCBI)

Founded during the Texas banking renaissance of the 1990s with an entrepreneurial spirit, Texas Capital Bancshares (NASDAQ: TCBI) is a financial services firm that provides banking, wealth management, and investment banking services to businesses and individuals across Texas and beyond.

Texas Capital Bank reported revenues of $328.4 million, up 15.7% year on year. This number beat analysts’ expectations by 1.6%. It was a very strong quarter as it also produced a beat of analysts’ EPS estimates and an impressive beat of analysts’ net interest income estimates.

The stock is up 2.2% since reporting and currently trades at $104.49.

Read our full, actionable report on Texas Capital Bank here, it’s free.

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