26.76 USD
+0.22 (+0.83%)
Overall FHB gets a fundamental rating of 5 out of 10. We evaluated FHB against 383 industry peers in the Banks industry. FHB has only an average score on both its financial health and profitability. FHB has a decent growth rate and is not valued too expensively. FHB also has an excellent dividend rating.
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.
- 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
- With a decent Return On Assets value of 1.07%, FHB is doing good in 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
- The Profit Margin of FHB (30.70%) is better than 82.25% 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 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
- 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.
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
WACC15.58%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- The Earnings Per Share has grown by an nice 17.14% over the past year.
- The Earnings Per Share has been decreasing by -3.87% on average over the past years.
- Looking at the last year, FHB shows a small growth in Revenue. The Revenue has grown by 1.51% in the last year.
- FHB shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 1.09% yearly.
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 4.80% on average over the next years.
EPS Next Y22.95%
EPS Next 2Y12.65%
EPS Next 3Y10.29%
EPS Next 5YN/A
Revenue Next Year8.42%
Revenue Next 2Y5.43%
Revenue Next 3Y4.8%
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.
4. Valuation
4.1 Price/Earnings Ratio
- A Price/Earnings ratio of 13.05 indicates a correct valuation of FHB.
- FHB's Price/Earnings is on the same level as the industry average.
- The average S&P500 Price/Earnings ratio is at 27.33. FHB is valued rather cheaply when compared to this.
- Based on the Price/Forward Earnings ratio of 11.78, the valuation of FHB can be described as reasonable.
- Compared to the rest of the industry, the Price/Forward Earnings ratio of FHB is on the same level as its industry peers.
- When comparing the Price/Forward Earnings ratio of FHB to the average of the S&P500 Index (24.12), we can say FHB is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.05 | ||
| Fwd PE | 11.78 |
4.2 Price Multiples
- 61.36% of the companies in the same industry are more expensive than FHB, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 10.83 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- FHB's 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
- FHB has a Yearly Dividend Yield of 3.83%. Purely for dividend investing, there may be better candidates out there.
- Compared to an average industry Dividend Yield of 2.89, 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 1.91.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.83% |
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 50.97% 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.
DP50.97%
EPS Next 2Y12.65%
EPS Next 3Y10.29%
NASDAQ:FHB (1/15/2026, 9:40:07 AM)
26.76
+0.22 (+0.83%)
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 Change0.07%
Ins Owners0.55%
Ins Owner Change-2.72%
Market Cap3.31B
Revenue(TTM)843.06M
Net Income(TTM)258.83M
Analysts47.06
Price Target28.11 (5.04%)
Short Float %7.01%
Short Ratio6.4
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.83% |
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)0.81%
PT rev (3m)4.97%
EPS NQ rev (1m)0.15%
EPS NQ rev (3m)7.11%
EPS NY rev (1m)0.41%
EPS NY rev (3m)4.87%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)2.74%
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.65%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.05 | ||
| Fwd PE | 11.78 | ||
| P/S | 3.93 | ||
| P/FCF | 10.83 | ||
| P/OCF | 9.62 | ||
| P/B | 1.21 | ||
| P/tB | 1.91 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.05
EY7.66%
EPS(NY)2.27
Fwd EY8.49%
FCF(TTM)2.47
FCFY9.24%
OCF(TTM)2.78
OCFY10.39%
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
WACC15.58%
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 Year8.42%
Revenue Next 2Y5.43%
Revenue Next 3Y4.8%
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 13.05 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.