26.71 USD
-0.18 (-0.67%)
26.71 USD
0 (0%)
Taking everything into account, FHB scores 5 out of 10 in our fundamental rating. FHB was compared to 383 industry peers in the Banks industry. FHB has an average financial health and profitability rating. FHB has a decent growth rate and is not valued too expensively. Finally FHB also has an excellent dividend rating.
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.
- FHB had positive earnings in each of the past 5 years.
- 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 1.07%, FHB is in the better half of the industry, outperforming 69.71% of the companies in the same industry.
- With a Return On Equity value of 9.47%, FHB perfoms like the industry average, outperforming 56.92% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.07% | ||
| ROE | 9.47% | ||
| 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 better Profit Margin (30.70%) than 82.25% 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) | 30.7% | ||
| 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
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
- Compared to 5 years ago, FHB has less shares outstanding
- 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 | ||
| Debt/FCF | 0 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC15.59%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- FHB shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 17.14%, which is quite good.
- Measured over the past years, FHB shows a decrease in Earnings Per Share. The EPS has been decreasing by -3.87% on average per year.
- The Revenue has been growing slightly by 1.51% 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)17.14%
EPS 3Y-4.58%
EPS 5Y-3.87%
EPS Q2Q%22.92%
Revenue 1Y (TTM)1.51%
Revenue growth 3Y4.16%
Revenue growth 5Y1.09%
Sales Q2Q%19.56%
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 10.29% on average per year.
- The Revenue is expected to grow by 4.87% on average over the next years.
EPS Next Y22.95%
EPS Next 2Y12.65%
EPS Next 3Y10.29%
EPS Next 5YN/A
Revenue Next Year8.41%
Revenue Next 2Y5.49%
Revenue Next 3Y4.87%
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.
- The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
- A Price/Earnings ratio of 13.03 indicates a correct valuation of FHB.
- The rest of the industry has a similar Price/Earnings ratio as FHB.
- When comparing the Price/Earnings ratio of FHB to the average of the S&P500 Index (27.38), we can say FHB is valued rather cheaply.
- Based on the Price/Forward Earnings ratio of 11.76, the valuation of FHB can be described as reasonable.
- FHB's Price/Forward Earnings ratio is in line with the industry average.
- Compared to an average S&P500 Price/Forward Earnings ratio of 24.29, FHB is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.03 | ||
| Fwd PE | 11.76 |
4.2 Price Multiples
- FHB's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. FHB is cheaper than 62.40% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 10.81 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.57
PEG (5Y)N/A
EPS Next 2Y12.65%
EPS Next 3Y10.29%
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 3.87%, FHB has a reasonable but not impressive dividend return.
- Compared to an average industry Dividend Yield of 2.87, FHB pays a bit more dividend than its industry peers.
- FHB's Dividend Yield is rather good when compared to the S&P500 average which is at 1.85.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.87% |
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.
- As FHB did not decrease their dividend in the past 5 years, we can say the dividend looks stable.
Dividend Growth(5Y)0.05%
Div Incr Years0
Div Non Decr Years8
5.3 Sustainability
- 50.97% of the earnings are spent on dividend by FHB. This is a bit on the high side, but may be sustainable.
- FHB's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP50.97%
EPS Next 2Y12.65%
EPS Next 3Y10.29%
26.71
-0.18 (-0.67%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-24 2025-10-24/bmo
Earnings (Next)01-30 2026-01-30/bmo
Inst Owners105.58%
Inst Owner Change0.08%
Ins Owners0.55%
Ins Owner Change-2.72%
Market Cap3.30B
Revenue(TTM)843.06M
Net Income(TTM)258.83M
Analysts47.06
Price Target27.99 (4.79%)
Short Float %7.01%
Short Ratio6.4
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.87% |
Yearly Dividend1.05
Dividend Growth(5Y)0.05%
DP50.97%
Div Incr Years0
Div Non Decr Years8
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)14.67%
Min EPS beat(2)11.82%
Max EPS beat(2)17.52%
EPS beat(4)4
Avg EPS beat(4)8.16%
Min EPS beat(4)1.48%
Max EPS beat(4)17.52%
EPS beat(8)6
Avg EPS beat(8)4.43%
EPS beat(12)8
Avg EPS beat(12)3.28%
EPS beat(16)10
Avg EPS beat(16)2.33%
Revenue beat(2)2
Avg Revenue beat(2)1.69%
Min Revenue beat(2)0.71%
Max Revenue beat(2)2.68%
Revenue beat(4)2
Avg Revenue beat(4)-3.16%
Min Revenue beat(4)-15.37%
Max Revenue beat(4)2.68%
Revenue beat(8)3
Avg Revenue beat(8)-5.1%
Revenue beat(12)3
Avg Revenue beat(12)-6.58%
Revenue beat(16)3
Avg Revenue beat(16)-5.51%
PT rev (1m)0.38%
PT rev (3m)4.52%
EPS NQ rev (1m)0.15%
EPS NQ rev (3m)7.32%
EPS NY rev (1m)0.41%
EPS NY rev (3m)4.87%
Revenue NQ rev (1m)-0.03%
Revenue NQ rev (3m)2.69%
Revenue NY rev (1m)-0.01%
Revenue NY rev (3m)1.65%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.03 | ||
| Fwd PE | 11.76 | ||
| P/S | 3.92 | ||
| P/FCF | 10.81 | ||
| P/OCF | 9.61 | ||
| P/B | 1.21 | ||
| P/tB | 1.91 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.05
EY7.68%
EPS(NY)2.27
Fwd EY8.51%
FCF(TTM)2.47
FCFY9.25%
OCF(TTM)2.78
OCFY10.41%
SpS6.81
BVpS22.1
TBVpS14.01
PEG (NY)0.57
PEG (5Y)N/A
Graham Number31.93
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.07% | ||
| ROE | 9.47% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 30.7% | ||
| GM | N/A | ||
| FCFM | 36.27% |
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
ROICexgc growth 3YN/A
ROICexgc 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-Score9
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 109.03% | ||
| Cap/Sales | 4.54% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 118.13% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score9
WACC15.59%
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)17.14%
EPS 3Y-4.58%
EPS 5Y-3.87%
EPS Q2Q%22.92%
EPS Next Y22.95%
EPS Next 2Y12.65%
EPS Next 3Y10.29%
EPS Next 5YN/A
Revenue 1Y (TTM)1.51%
Revenue growth 3Y4.16%
Revenue growth 5Y1.09%
Sales Q2Q%19.56%
Revenue Next Year8.41%
Revenue Next 2Y5.49%
Revenue Next 3Y4.87%
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-1.97%
FCF growth 3Y-10.04%
FCF growth 5Y1.57%
OCF growth 1Y6.57%
OCF growth 3Y-8.69%
OCF growth 5Y1.38%
FIRST HAWAIIAN INC / FHB FAQ
What is the fundamental rating for FHB stock?
ChartMill assigns a fundamental rating of 5 / 10 to FHB.
What is the valuation status for FHB stock?
ChartMill assigns a valuation rating of 5 / 10 to FIRST HAWAIIAN INC (FHB). This can be considered as Fairly Valued.
Can you provide the profitability details for FIRST HAWAIIAN INC?
FIRST HAWAIIAN INC (FHB) has a profitability rating of 4 / 10.
What is the valuation of FIRST HAWAIIAN INC based on its PE and PB ratios?
The Price/Earnings (PE) ratio for FIRST HAWAIIAN INC (FHB) is 13.03 and the Price/Book (PB) ratio is 1.21.
Can you provide the expected EPS growth for FHB stock?
The Earnings per Share (EPS) of FIRST HAWAIIAN INC (FHB) is expected to grow by 22.95% in the next year.