FIRST HAWAIIAN INC (FHB)

US32051X1081 - Common Stock

21.78  +0.09 (+0.41%)

After market: 21.78 0 (0%)

Fundamental Rating

3

Overall FHB gets a fundamental rating of 3 out of 10. We evaluated FHB against 412 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 expensive valuation and it also scores bad on growth. FHB also has an excellent dividend rating.



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3

1. Profitability

1.1 Basic Checks

FHB had positive earnings in the past year.
In the past year FHB had a positive cash flow from operations.
In the past 5 years FHB has always been profitable.
In the past 5 years FHB always reported a positive cash flow from operatings.

1.2 Ratios

FHB has a Return On Assets (0.94%) which is in line with its industry peers.
FHB has a Return On Equity (9.45%) which is in line with its industry peers.
Industry RankSector Rank
ROA 0.94%
ROE 9.45%
ROIC N/A
ROA(3y)1.03%
ROA(5y)1.06%
ROE(3y)10.39%
ROE(5y)9.74%
ROIC(3y)N/A
ROIC(5y)N/A

1.3 Margins

FHB has a Profit Margin of 28.07%. This is in the better half of the industry: FHB outperforms 69.17% of its industry peers.
FHB's Profit Margin has declined in the last couple of years.
FHB does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 28.07%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y3.47%
PM growth 5Y-4.57%
GM growth 3YN/A
GM growth 5YN/A

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4

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 increased 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

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.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Altman-Z N/A
ROIC/WACCN/A
WACC14.84%

2.3 Liquidity

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

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3

3. Growth

3.1 Past

The earnings per share for FHB have decreased strongly by -11.11% in the last year.
The Earnings Per Share has been decreasing by -2.33% on average over the past years.
Looking at the last year, FHB shows a small growth in Revenue. The Revenue has grown by 5.50% in the last year.
Measured over the past years, FHB shows a small growth in Revenue. The Revenue has been growing by 2.35% on average per year.
EPS 1Y (TTM)-11.11%
EPS 3Y8.02%
EPS 5Y-2.33%
EPS growth Q2Q-40.32%
Revenue 1Y (TTM)5.5%
Revenue growth 3Y4.51%
Revenue growth 5Y2.35%
Revenue growth Q2Q-4.48%

3.2 Future

FHB is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 3.42% yearly.
FHB is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 1.47% yearly.
EPS Next Y-6.55%
EPS Next 2Y-1.06%
EPS Next 3Y3.42%
EPS Next 5YN/A
Revenue Next Year-0.57%
Revenue Next 2Y1.29%
Revenue Next 3Y1.47%
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 decreasing.

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2

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 11.84, the valuation of FHB can be described as very reasonable.
Compared to the rest of the industry, the Price/Earnings ratio of FHB indicates a slightly more expensive valuation: FHB is more expensive than 65.53% of the companies listed in the same industry.
When comparing the Price/Earnings ratio of FHB to the average of the S&P500 Index (27.73), we can say FHB is valued rather cheaply.
The Price/Forward Earnings ratio is 12.67, which indicates a correct valuation of FHB.
Based on the Price/Forward Earnings ratio, FHB is valued a bit more expensive than 65.05% of the companies in the same industry.
FHB's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 20.41.
Industry RankSector Rank
PE 11.84
Fwd PE 12.67

4.2 Price Multiples

64.08% of the companies in the same industry are cheaper than FHB, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 11.63
EV/EBITDA N/A

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-1.06%
EPS Next 3Y3.42%

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7

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 4.79%, FHB is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 3.76, FHB pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.41, FHB pays a better dividend.
Industry RankSector Rank
Dividend Yield 4.79%

5.2 History

The dividend of FHB has a limited annual growth rate of 1.81%.
FHB has been paying a dividend for over 5 years, so it has already some track record.
FHB has not decreased its dividend in the past 5 years, so it has a somewhat stable track record.
Dividend Growth(5Y)1.81%
Div Incr Years0
Div Non Decr Years7

5.3 Sustainability

56.47% 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.
DP56.47%
EPS Next 2Y-1.06%
EPS Next 3Y3.42%

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FIRST HAWAIIAN INC

NASDAQ:FHB (5/3/2024, 7:00:00 PM)

After market: 21.78 0 (0%)

21.78

+0.09 (+0.41%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap2.78B
Analysts
Price Target
Dividend
Industry RankSector Rank
Dividend Yield 4.79%
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
Industry RankSector Rank
PE 11.84
Fwd PE 12.67
P/S
P/FCF
P/OCF
P/B
P/tB
EV/EBITDA
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.94%
ROE 9.45%
ROCE
ROIC
ROICexc
ROICexgc
OM N/A
PM (TTM) 28.07%
GM N/A
FCFM
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF
Debt/EBITDA
Cap/Depr
Cap/Sales
Interest Coverage
Cash Conversion
Profit Quality
Current Ratio N/A
Quick Ratio N/A
Altman-Z
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)-11.11%
EPS 3Y8.02%
EPS 5Y
EPS growth Q2Q
EPS Next Y-6.55%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)5.5%
Revenue growth 3Y4.51%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y