FHB Fundamental Analysis - FIRST HAWAIIAN INC

Fundamental Rating

FHB gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 392 industry peers in the Banks industry. FHB scores quite bad on profitability, while its financial health is fine. Not spectacular, but in line with the averages. FHB has a decent growth rate and is not valued too expensively. FHB also has an excellent dividend rating.

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1. Profitability

1.1 Basic Checks

In the past year FHB was profitable.

FHB had a positive operating cash flow in the past year.

FHB had positive earnings in each of the past 5 years.

In the past 5 years FHB always reported a positive cash flow from operatings.

1.2 Ratios

FHB has a Return On Assets of 0.99%. This is in the better half of the industry: FHB outperforms 64.29% of its industry peers.

FHB has a Return On Equity (8.88%) which is comparable to the rest of the industry.

		Industry Rank	Sector Rank
ROA	0.99%
ROE	8.88%
ROIC	N/A

ROA(3y)1%

ROA(5y)0.97%

ROE(3y)9.98%

ROE(5y)9.35%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

With a decent Profit Margin value of 28.90%, FHB is doing good in the industry, outperforming 79.34% of the companies in the same industry.

In the last couple of years the Profit Margin of FHB has declined.

FHB does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	28.9%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-8.48%

PM growth 5Y-5.18%

GM growth 3YN/A

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

FHB does not have a ROIC to compare to the WACC, probably because it is not profitable.

Compared to 1 year ago, FHB has less shares outstanding

FHB has less shares outstanding than it did 5 years ago.

There is no outstanding debt for FHB. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.

2.2 Solvency

FHB has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.

		Industry Rank	Sector Rank
Debt/Equity	0.09
Debt/FCF	0
Altman-Z	N/A

ROIC/WACCN/A

WACC16.19%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

The Earnings Per Share has grown by an nice 12.14% over the past year.

FHB shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -3.87% yearly.

FHB shows a small growth in Revenue. In the last year, the Revenue has grown by 0.35%.

Measured over the past years, FHB shows a small growth in Revenue. The Revenue has been growing by 1.09% on average per year.

EPS 1Y (TTM)12.14%

EPS 3Y-4.58%

EPS 5Y-3.87%

EPS Q2Q%20.83%

Revenue 1Y (TTM)0.35%

Revenue growth 3Y4.16%

Revenue growth 5Y1.09%

Sales Q2Q%6.32%

3.2 Future

Based on estimates for the next years, FHB will show a quite strong growth in Earnings Per Share. The EPS will grow by 8.04% on average per year.

FHB is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.96% yearly.

EPS Next Y10.7%

EPS Next 2Y7.61%

EPS Next 3Y8.04%

EPS Next 5YN/A

Revenue Next Year6.61%

Revenue Next 2Y4.61%

Revenue Next 3Y3.96%

Revenue Next 5YN/A

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.

When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.

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4. Valuation

4.1 Price/Earnings Ratio

FHB is valuated correctly with a Price/Earnings ratio of 12.39.

FHB's Price/Earnings is on the same level as the industry average.

The average S&P500 Price/Earnings ratio is at 27.24. FHB is valued rather cheaply when compared to this.

FHB is valuated reasonably with a Price/Forward Earnings ratio of 11.60.

65.05% of the companies in the same industry are cheaper than FHB, based on the Price/Forward Earnings ratio.

FHB is valuated cheaply when we compare the Price/Forward Earnings ratio to 36.42, which is the current average of the S&P500 Index.

		Industry Rank	Sector Rank
PE	12.39
Fwd PE	11.6

4.2 Price Multiples

FHB's Price/Free Cash Flow is on the same level as the industry average.

		Industry Rank	Sector Rank
P/FCF	11.73
EV/EBITDA	N/A

4.3 Compensation for Growth

The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.

PEG (NY)1.16

PEG (5Y)N/A

EPS Next 2Y7.61%

EPS Next 3Y8.04%

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 4.29%, FHB is a good candidate for dividend investing.

FHB's Dividend Yield is a higher than the industry average which is at 3.51.

Compared to an average S&P500 Dividend Yield of 2.40, FHB pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	4.29%

5.2 History

The dividend of FHB has a limited annual growth rate of 0.05%.

FHB has paid a dividend for at least 10 years, which is a reliable track record.

FHB has not decreased its dividend in the past 5 years, so it has a somewhat stable track record.

Dividend Growth(5Y)0.05%

Div Incr Years0

Div Non Decr Years8

5.3 Sustainability

FHB pays out 56.34% of its income as dividend. This is a bit on the high side, but may be sustainable.

The dividend of FHB is growing, but earnings are growing more, so the dividend growth is sustainable.

DP56.34%

EPS Next 2Y7.61%

EPS Next 3Y8.04%

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FIRST HAWAIIAN INC

NASDAQ:FHB (8/5/2025, 4:30:00 PM)

After market: 24.04 0 (0%)

24.04

+0.09 (+0.38%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)07-25 2025-07-25/bmo

Earnings (Next)10-23 2025-10-23/bmo

Inst Owners100.59%

Inst Owner Change-0.02%

Ins Owners0.57%

Ins Owner Change9.65%

Market Cap3.00B

Analysts46.67

Price Target26.35 (9.61%)

Short Float %4.26%

Short Ratio5.87

Dividend

		Industry Rank	Sector Rank
Dividend Yield	4.29%

Yearly Dividend1.05

Dividend Growth(5Y)0.05%

DP56.34%

Div Incr Years0

Div Non Decr Years8

Ex-Date08-18 2025-08-18 (0.26)

Surprises & Revisions

EPS beat(2)2

Avg EPS beat(2)1.64%

Min EPS beat(2)1.48%

Max EPS beat(2)1.8%

EPS beat(4)4

Avg EPS beat(4)5.84%

Min EPS beat(4)1.48%

Max EPS beat(4)11.63%

EPS beat(8)5

Avg EPS beat(8)1.12%

EPS beat(12)7

Avg EPS beat(12)0.89%

EPS beat(16)10

Avg EPS beat(16)3.52%

Revenue beat(2)0

Avg Revenue beat(2)-8.02%

Min Revenue beat(2)-15.37%

Max Revenue beat(2)-0.67%

Revenue beat(4)0

Avg Revenue beat(4)-6.26%

Min Revenue beat(4)-15.37%

Max Revenue beat(4)-0.36%

Revenue beat(8)1

Avg Revenue beat(8)-8.65%

Revenue beat(12)1

Avg Revenue beat(12)-7.13%

Revenue beat(16)1

Avg Revenue beat(16)-5.79%

PT rev (1m)0%

PT rev (3m)-2.78%

EPS NQ rev (1m)0.08%

EPS NQ rev (3m)-0.94%

EPS NY rev (1m)-0.12%

EPS NY rev (3m)0.48%

Revenue NQ rev (1m)0.01%

Revenue NQ rev (3m)0.1%

Revenue NY rev (1m)0.58%

Revenue NY rev (3m)0.37%

Valuation

		Industry Rank	Sector Rank
PE	12.39
Fwd PE	11.6
P/S	3.68
P/FCF	11.73
P/OCF	10.42
P/B	1.13
P/tB	1.82
EV/EBITDA	N/A

EPS(TTM)1.94

EY8.07%

EPS(NY)2.07

Fwd EY8.62%

FCF(TTM)2.05

FCFY8.53%

OCF(TTM)2.31

OCFY9.59%

SpS6.53

BVpS21.25

TBVpS13.22

PEG (NY)1.16

PEG (5Y)N/A

Profitability

		Industry Rank	Sector Rank
ROA	0.99%
ROE	8.88%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	28.9%
GM	N/A
FCFM	31.41%

ROA(3y)1%

ROA(5y)0.97%

ROE(3y)9.98%

ROE(5y)9.35%

ROIC(3y)N/A

ROIC(5y)N/A

ROICexc(3y)N/A

ROICexc(5y)N/A

ROICexgc(3y)N/A

ROICexgc(5y)N/A

ROCE(3y)N/A

ROCE(5y)N/A

ROICexcg growth 3YN/A

ROICexcg growth 5YN/A

ROICexc growth 3YN/A

ROICexc growth 5YN/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-8.48%

PM growth 5Y-5.18%

GM growth 3YN/A

GM growth 5YN/A

F-Score8

Asset Turnover0.03

Health

		Industry Rank	Sector Rank
Debt/Equity	0.09
Debt/FCF	0
Debt/EBITDA	N/A
Cap/Depr	86.8%
Cap/Sales	3.93%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	108.68%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score8

WACC16.19%

ROIC/WACCN/A

Cap/Depr(3y)45.51%

Cap/Depr(5y)45.81%

Cap/Sales(3y)2.38%

Cap/Sales(5y)2.91%

Profit Quality(3y)128.08%

Profit Quality(5y)125.66%

High Growth Momentum

Growth

EPS 1Y (TTM)12.14%

EPS 3Y-4.58%

EPS 5Y-3.87%

EPS Q2Q%20.83%

EPS Next Y10.7%

EPS Next 2Y7.61%

EPS Next 3Y8.04%

EPS Next 5YN/A

Revenue 1Y (TTM)0.35%

Revenue growth 3Y4.16%

Revenue growth 5Y1.09%

Sales Q2Q%6.32%

Revenue Next Year6.61%

Revenue Next 2Y4.61%

Revenue Next 3Y3.96%

Revenue Next 5YN/A

EBIT growth 1YN/A

EBIT growth 3YN/A

EBIT growth 5YN/A

EBIT Next YearN/A

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y-41.21%

FCF growth 3Y-10.04%

FCF growth 5Y1.57%

OCF growth 1Y-35.65%

OCF growth 3Y-8.69%

OCF growth 5Y1.38%

FIRST HAWAIIAN INC (FHB) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens