FHB Fundamental Analysis - FIRST HAWAIIAN INC

Fundamental Rating

We assign a fundamental rating of 5 out of 10 to FHB. FHB was compared to 391 industry peers in the Banks industry. FHB has only an average score on both its financial health and 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

In the past year FHB was profitable.

In the past year FHB had a positive cash flow from operations.

In the past 5 years FHB has always been profitable.

Each year in the past 5 years FHB had a positive operating cash flow.

1.2 Ratios

FHB's Return On Assets of 1.03% is fine compared to the rest of the industry. FHB outperforms 67.52% of its industry peers.

Looking at the Return On Equity, with a value of 9.15%, FHB is in line with its industry, outperforming 57.54% of the companies in the same industry.

		Industry Rank	Sector Rank
ROA	1.03%
ROE	9.15%
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

Looking at the Profit Margin, with a value of 29.82%, FHB belongs to the top of the industry, outperforming 80.31% 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)	29.82%
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.

FHB has less shares outstanding than it did 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

WACC15.65%

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.

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.

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

The Revenue has been growing slightly by 1.09% on average over the past years.

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.

The Revenue is expected to grow by 4.10% on average over the next years.

EPS Next Y14.6%

EPS Next 2Y8.32%

EPS Next 3Y8.04%

EPS Next 5YN/A

Revenue Next Year6.72%

Revenue Next 2Y4.62%

Revenue Next 3Y4.1%

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.

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

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4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 13.26, FHB is valued correctly.

The rest of the industry has a similar Price/Earnings ratio as FHB.

FHB is valuated cheaply when we compare the Price/Earnings ratio to 27.06, which is the current average of the S&P500 Index.

FHB is valuated correctly with a Price/Forward Earnings ratio of 12.25.

FHB's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. FHB is more expensive than 66.50% of the companies in the same industry.

When comparing the Price/Forward Earnings ratio of FHB to the average of the S&P500 Index (22.69), we can say FHB is valued slightly cheaper.

		Industry Rank	Sector Rank
PE	13.26
Fwd PE	12.25

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, FHB is valued a bit cheaper than the industry average as 67.26% of the companies are valued more expensively.

		Industry Rank	Sector Rank
P/FCF	10.39
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)0.91

PEG (5Y)N/A

EPS Next 2Y8.32%

EPS Next 3Y8.04%

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5. Dividend

5.1 Amount

FHB has a Yearly Dividend Yield of 3.98%.

Compared to an average industry Dividend Yield of 3.56, FHB pays a bit more dividend than its industry peers.

Compared to an average S&P500 Dividend Yield of 2.45, FHB pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	3.98%

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 53.91% of its income as dividend. 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.

DP53.91%

EPS Next 2Y8.32%

EPS Next 3Y8.04%

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FIRST HAWAIIAN INC

NASDAQ:FHB (9/5/2025, 8:13:05 PM)

After market: 25.73 0 (0%)

25.73

-0.4 (-1.53%)

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 Owners101.04%

Inst Owner Change0.95%

Ins Owners0.58%

Ins Owner Change1.75%

Market Cap3.21B

Analysts46.25

Price Target26.67 (3.65%)

Short Float %5.39%

Short Ratio6.02

Dividend

		Industry Rank	Sector Rank
Dividend Yield	3.98%

Yearly Dividend1.05

Dividend Growth(5Y)0.05%

DP53.91%

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)9.5%

Min EPS beat(2)1.48%

Max EPS beat(2)17.52%

EPS beat(4)4

Avg EPS beat(4)7.31%

Min EPS beat(4)1.48%

Max EPS beat(4)17.52%

EPS beat(8)6

Avg EPS beat(8)3.78%

EPS beat(12)7

Avg EPS beat(12)2.23%

EPS beat(16)10

Avg EPS beat(16)1.82%

Revenue beat(2)1

Avg Revenue beat(2)0.02%

Min Revenue beat(2)-0.67%

Max Revenue beat(2)0.71%

Revenue beat(4)1

Avg Revenue beat(4)-5.99%

Min Revenue beat(4)-15.37%

Max Revenue beat(4)0.71%

Revenue beat(8)2

Avg Revenue beat(8)-6.72%

Revenue beat(12)2

Avg Revenue beat(12)-6.99%

Revenue beat(16)2

Avg Revenue beat(16)-5.73%

PT rev (1m)1.2%

PT rev (3m)1.67%

EPS NQ rev (1m)1.89%

EPS NQ rev (3m)3.36%

EPS NY rev (1m)3.52%

EPS NY rev (3m)3.01%

Revenue NQ rev (1m)-0.08%

Revenue NQ rev (3m)0.07%

Revenue NY rev (1m)0.1%

Revenue NY rev (3m)0.68%

Valuation

		Industry Rank	Sector Rank
PE	13.26
Fwd PE	12.25
P/S	3.88
P/FCF	10.39
P/OCF	9.27
P/B	1.19
P/tB	1.89
EV/EBITDA	N/A

EPS(TTM)1.94

EY7.54%

EPS(NY)2.1

Fwd EY8.16%

FCF(TTM)2.48

FCFY9.62%

OCF(TTM)2.77

OCFY10.78%

SpS6.63

BVpS21.62

TBVpS13.59

PEG (NY)0.91

PEG (5Y)N/A

Profitability

		Industry Rank	Sector Rank
ROA	1.03%
ROE	9.15%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	29.82%
GM	N/A
FCFM	37.33%

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	100.51%
Cap/Sales	4.5%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	125.18%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score8

WACC15.65%

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 Y14.6%

EPS Next 2Y8.32%

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 Year6.72%

Revenue Next 2Y4.62%

Revenue Next 3Y4.1%

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-30.03%

FCF growth 3Y-10.04%

FCF growth 5Y1.57%

OCF growth 1Y-23.58%

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