FIRST HAWAIIAN INC (FHB) Fundamental Analysis & Valuation

NASDAQ:FHB • US32051X1081

Current stock price

24.13 USD
-0.04 (-0.17%)
At close:
24.13 USD
0 (0%)
After Hours:

This FHB fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

4

1. FHB Profitability Analysis

1.1 Basic Checks

  • In the past year FHB was profitable.
  • In the past year FHB had a positive cash flow from operations.
  • FHB had positive earnings in each of the past 5 years.
  • Each year in the past 5 years FHB had a positive operating cash flow.
FHB Yearly Net Income VS EBIT VS OCF VS FCFFHB Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M 400M

1.2 Ratios

  • With a decent Return On Assets value of 1.15%, FHB is doing good in the industry, outperforming 69.74% of the companies in the same industry.
  • FHB has a Return On Equity of 9.98%. This is in the better half of the industry: FHB outperforms 60.53% of its industry peers.
Industry RankSector Rank
ROA 1.15%
ROE 9.98%
ROIC N/A
ROA(3y)1.02%
ROA(5y)1.04%
ROE(3y)9.41%
ROE(5y)9.99%
ROIC(3y)N/A
ROIC(5y)N/A
FHB Yearly ROA, ROE, ROICFHB Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6 8 10

1.3 Margins

  • Looking at the Profit Margin, with a value of 31.37%, FHB belongs to the top of the industry, outperforming 80.79% of the companies in the same industry.
  • In the last couple of years the Profit Margin of FHB has grown nicely.
  • 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) 31.37%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-2.18%
PM growth 5Y4.36%
GM growth 3YN/A
GM growth 5YN/A
FHB Yearly Profit, Operating, Gross MarginsFHB Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30

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5

2. FHB Health Analysis

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.
FHB Yearly Shares OutstandingFHB Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M 100M
FHB Yearly Total Debt VS Total AssetsFHB Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5B 10B 15B 20B

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
WACC16.15%
FHB Yearly LT Debt VS Equity VS FCFFHB Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B 2B 2.5B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
FHB Yearly Current Assets VS Current LiabilitesFHB Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. FHB Growth Analysis

3.1 Past

  • FHB shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 22.91%, which is quite impressive.
  • FHB shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 8.55% yearly.
  • The Revenue has grown by 8.94% in the past year. This is quite good.
  • Measured over the past years, FHB shows a small growth in Revenue. The Revenue has been growing by 3.74% on average per year.
EPS 1Y (TTM)22.91%
EPS 3Y2.05%
EPS 5Y8.55%
EPS Q2Q%36.59%
Revenue 1Y (TTM)8.94%
Revenue growth 3Y3.56%
Revenue growth 5Y3.74%
Sales Q2Q%25.35%

3.2 Future

  • The Earnings Per Share is expected to grow by 4.40% 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 2.91% yearly.
EPS Next Y3.14%
EPS Next 2Y4.4%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year2.46%
Revenue Next 2Y2.91%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
  • The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
FHB Yearly Revenue VS EstimatesFHB Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 200M 400M 600M 800M
FHB Yearly EPS VS EstimatesFHB Yearly EPS VS EstimatesYearly EPS VS Estimates 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 0.5 1 1.5 2

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5

4. FHB Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 10.97 indicates a reasonable valuation of FHB.
  • FHB's Price/Earnings ratio is a bit cheaper when compared to the industry. FHB is cheaper than 60.26% of the companies in the same industry.
  • When comparing the Price/Earnings ratio of FHB to the average of the S&P500 Index (24.75), we can say FHB is valued rather cheaply.
  • The Price/Forward Earnings ratio is 10.63, which indicates a very decent valuation of FHB.
  • FHB's Price/Forward Earnings is on the same level as the industry average.
  • FHB's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.10.
Industry RankSector Rank
PE 10.97
Fwd PE 10.63
FHB Price Earnings VS Forward Price EarningsFHB Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20

4.2 Price Multiples

  • FHB's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. FHB is cheaper than 66.58% of the companies in the same industry.
Industry RankSector Rank
P/FCF 9.78
EV/EBITDA N/A
FHB Per share dataFHB EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20

4.3 Compensation for Growth

  • The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates FHB does not grow enough to justify the current Price/Earnings ratio.
PEG (NY)3.49
PEG (5Y)1.28
EPS Next 2Y4.4%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

8

5. FHB Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 4.23%, FHB is a good candidate for dividend investing.
  • Compared to an average industry Dividend Yield of 2.66, FHB pays a better dividend. On top of this FHB pays more dividend than 87.37% of the companies listed in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.89, FHB pays a better dividend.
Industry RankSector Rank
Dividend Yield 4.23%

5.2 History

  • The dividend of FHB has a limited annual growth rate of 0.23%.
  • 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)0.23%
Div Incr Years0
Div Non Decr Years8
FHB Yearly Dividends per shareFHB Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6 0.8 1

5.3 Sustainability

  • FHB pays out 47.40% 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.
DP47.4%
EPS Next 2Y4.4%
EPS Next 3YN/A
FHB Yearly Income VS Free CF VS DividendFHB Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M 400M
FHB Dividend Payout.FHB Dividend Payout, showing the Payout Ratio.FHB Dividend Payout.PayoutRetained Earnings

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FHB Fundamentals: All Metrics, Ratios and Statistics

FIRST HAWAIIAN INC

NASDAQ:FHB (3/30/2026, 8:00:15 PM)

After market: 24.13 0 (0%)

24.13

-0.04 (-0.17%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-30
Earnings (Next)04-24
Inst Owners109.09%
Inst Owner Change2.71%
Ins Owners0.67%
Ins Owner Change5.64%
Market Cap2.96B
Revenue(TTM)880.79M
Net Income(TTM)276.27M
Analysts48.24
Price Target28.11 (16.49%)
Short Float %7.93%
Short Ratio6.52
Dividend
Industry RankSector Rank
Dividend Yield 4.23%
Yearly Dividend1.05
Dividend Growth(5Y)0.23%
DP47.4%
Div Incr Years0
Div Non Decr Years8
Ex-Date02-13
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)6.22%
Min EPS beat(2)0.61%
Max EPS beat(2)11.82%
EPS beat(4)4
Avg EPS beat(4)7.86%
Min EPS beat(4)0.61%
Max EPS beat(4)17.52%
EPS beat(8)7
Avg EPS beat(8)6.57%
EPS beat(12)8
Avg EPS beat(12)2.85%
EPS beat(16)11
Avg EPS beat(16)2.87%
Revenue beat(2)1
Avg Revenue beat(2)-3.12%
Min Revenue beat(2)-8.93%
Max Revenue beat(2)2.68%
Revenue beat(4)2
Avg Revenue beat(4)-1.55%
Min Revenue beat(4)-8.93%
Max Revenue beat(4)2.68%
Revenue beat(8)3
Avg Revenue beat(8)-3.82%
Revenue beat(12)3
Avg Revenue beat(12)-7.25%
Revenue beat(16)3
Avg Revenue beat(16)-5.87%
PT rev (1m)0%
PT rev (3m)0.03%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0.8%
EPS NY rev (1m)0.34%
EPS NY rev (3m)-0.11%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.15%
Revenue NY rev (1m)0.01%
Revenue NY rev (3m)-0.07%
Valuation
Industry RankSector Rank
PE 10.97
Fwd PE 10.63
P/S 3.37
P/FCF 9.78
P/OCF 8.85
P/B 1.07
P/tB 1.68
EV/EBITDA N/A
EPS(TTM)2.2
EY9.12%
EPS(NY)2.27
Fwd EY9.4%
FCF(TTM)2.47
FCFY10.23%
OCF(TTM)2.73
OCFY11.3%
SpS7.17
BVpS22.54
TBVpS14.4
PEG (NY)3.49
PEG (5Y)1.28
Graham Number33.4
Profitability
Industry RankSector Rank
ROA 1.15%
ROE 9.98%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 31.37%
GM N/A
FCFM 34.43%
ROA(3y)1.02%
ROA(5y)1.04%
ROE(3y)9.41%
ROE(5y)9.99%
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-2.18%
PM growth 5Y4.36%
GM growth 3YN/A
GM growth 5YN/A
F-Score9
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Debt/EBITDA N/A
Cap/Depr 94.69%
Cap/Sales 3.61%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 109.78%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score9
WACC16.15%
ROIC/WACCN/A
Cap/Depr(3y)69.26%
Cap/Depr(5y)54.16%
Cap/Sales(3y)3.03%
Cap/Sales(5y)2.72%
Profit Quality(3y)112.33%
Profit Quality(5y)128.66%
High Growth Momentum
Growth
EPS 1Y (TTM)22.91%
EPS 3Y2.05%
EPS 5Y8.55%
EPS Q2Q%36.59%
EPS Next Y3.14%
EPS Next 2Y4.4%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)8.94%
Revenue growth 3Y3.56%
Revenue growth 5Y3.74%
Sales Q2Q%25.35%
Revenue Next Year2.46%
Revenue Next 2Y2.91%
Revenue Next 3YN/A
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 1Y5.04%
FCF growth 3Y-10.09%
FCF growth 5Y11.49%
OCF growth 1Y5.53%
OCF growth 3Y-8.02%
OCF growth 5Y9.85%

FIRST HAWAIIAN INC / FHB Fundamental Analysis 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 10.97 and the Price/Book (PB) ratio is 1.07.


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 3.14% in the next year.