FHB Fundamental Analysis - FIRST HAWAIIAN INC

Fundamental Rating

We assign a fundamental rating of 4 out of 10 to FHB. FHB was compared to 396 industry peers in the Banks industry. While FHB seems to be doing ok healthwise, there are quite some concerns on its profitability. FHB is not valued too expensively and it also shows a decent growth rate. Finally FHB also has an excellent dividend rating.

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1. Profitability

1.1 Basic Checks

FHB had positive earnings in the past year.

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

In the past 5 years FHB has always been profitable.

FHB had a positive operating cash flow in each of the past 5 years.

1.2 Ratios

Looking at the Return On Assets, with a value of 0.99%, FHB is in the better half of the industry, outperforming 64.14% of the companies in the same industry.

FHB's Return On Equity of 8.88% is in line compared to the rest of the industry. FHB outperforms 54.29% of its industry peers.

		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

FHB has a Profit Margin of 28.90%. This is in the better half of the industry: FHB outperforms 78.79% of its industry peers.

FHB's Profit Margin has declined in the last couple of years.

The Operating Margin and Gross Margin are not available for FHB so they could not be analyzed.

		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.

The number of shares outstanding for FHB has been reduced compared to 1 year ago.

The number of shares outstanding for FHB has been reduced compared to 5 years ago.

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

WACC16.37%

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 been growing slightly by 5.75% 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.

The Revenue has decreased by -1.52% in the past year.

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)5.75%

EPS 3Y-4.58%

EPS 5Y-3.87%

EPS Q2Q%11.9%

Revenue 1Y (TTM)-1.52%

Revenue growth 3Y4.16%

Revenue growth 5Y1.09%

Sales Q2Q%2.53%

3.2 Future

The Earnings Per Share is expected to grow by 7.80% on average over the next years.

FHB is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.00% yearly.

EPS Next Y11.24%

EPS Next 2Y8.66%

EPS Next 3Y7.8%

EPS Next 5YN/A

Revenue Next Year5.99%

Revenue Next 2Y4.67%

Revenue Next 3Y4%

Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.

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

A Price/Earnings ratio of 13.12 indicates a correct valuation of FHB.

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

Compared to an average S&P500 Price/Earnings ratio of 26.52, FHB is valued rather cheaply.

A Price/Forward Earnings ratio of 11.42 indicates a reasonable valuation of FHB.

65.15% of the companies in the same industry are cheaper than FHB, based on the Price/Forward Earnings ratio.

Compared to an average S&P500 Price/Forward Earnings ratio of 22.25, FHB is valued a bit cheaper.

		Industry Rank	Sector Rank
PE	13.12
Fwd PE	11.42

4.2 Price Multiples

Compared to the rest of the industry, the Price/Free Cash Flow ratio of FHB is on the same level as its industry peers.

		Industry Rank	Sector Rank
P/FCF	11.87
EV/EBITDA	N/A

4.3 Compensation for Growth

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

PEG (NY)1.17

PEG (5Y)N/A

EPS Next 2Y8.66%

EPS Next 3Y7.8%

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 4.36%, FHB is a good candidate for dividend investing.

FHB's Dividend Yield is rather good when compared to the industry average which is at 3.47. FHB pays more dividend than 80.30% of the companies in the same industry.

FHB's Dividend Yield is rather good when compared to the S&P500 average which is at 2.38.

		Industry Rank	Sector Rank
Dividend Yield	4.36%

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 2Y8.66%

EPS Next 3Y7.8%

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FIRST HAWAIIAN INC

NASDAQ:FHB (6/6/2025, 8:00:00 PM)

After market: 24.135 0 (0%)

24.135

+0.53 (+2.22%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)04-23 2025-04-23/bmo

Earnings (Next)07-24 2025-07-24/bmo

Inst Owners101.66%

Inst Owner Change-1.52%

Ins Owners0.54%

Ins Owner Change9.65%

Market Cap3.03B

Analysts47.5

Price Target26.23 (8.68%)

Short Float %4.72%

Short Ratio6.81

Dividend

		Industry Rank	Sector Rank
Dividend Yield	4.36%

Yearly Dividend1.05

Dividend Growth(5Y)0.05%

DP56.34%

Div Incr Years0

Div Non Decr Years8

Ex-Date05-19 2025-05-19 (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)-3.23%

PT rev (3m)-10.45%

EPS NQ rev (1m)-0.3%

EPS NQ rev (3m)2.38%

EPS NY rev (1m)0.97%

EPS NY rev (3m)1.02%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)-0.19%

Revenue NY rev (1m)-0.22%

Revenue NY rev (3m)-0.12%

Valuation

		Industry Rank	Sector Rank
PE	13.12
Fwd PE	11.42
P/S	3.73
P/FCF	11.87
P/OCF	10.55
P/B	1.15
P/tB	1.84
EV/EBITDA	N/A

EPS(TTM)1.84

EY7.62%

EPS(NY)2.11

Fwd EY8.76%

FCF(TTM)2.03

FCFY8.42%

OCF(TTM)2.29

OCFY9.48%

SpS6.47

BVpS21.07

TBVpS13.11

PEG (NY)1.17

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

WACC16.37%

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)5.75%

EPS 3Y-4.58%

EPS 5Y-3.87%

EPS Q2Q%11.9%

EPS Next Y11.24%

EPS Next 2Y8.66%

EPS Next 3Y7.8%

EPS Next 5YN/A

Revenue 1Y (TTM)-1.52%

Revenue growth 3Y4.16%

Revenue growth 5Y1.09%

Sales Q2Q%2.53%

Revenue Next Year5.99%

Revenue Next 2Y4.67%

Revenue Next 3Y4%

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