FHB Fundamental Analysis - FIRST HAWAIIAN INC

Fundamental Rating

FHB gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 392 industry peers in the Banks industry. FHB has an average financial health and profitability rating. FHB has a correct valuation and a medium growth rate. Finally FHB also has an excellent dividend rating.

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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.

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

The Return On Assets of FHB (1.03%) is better than 67.60% of its industry peers.

With a Return On Equity value of 9.15%, FHB perfoms like the industry average, outperforming 57.40% 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

FHB has a better Profit Margin (29.82%) than 80.36% of its industry peers.

In the last couple of years the Profit Margin of FHB has declined.

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)	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.

FHB has less shares outstanding than it did 1 year ago.

The number of shares outstanding for FHB has been reduced compared to 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	0.09
Debt/FCF	0
Altman-Z	N/A

ROIC/WACCN/A

WACC15.94%

2.3 Liquidity

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

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WACC

Debt/Equity

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Altman-Z score

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3. Growth

3.1 Past

FHB shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 12.14%, which is quite good.

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 0.35% in the last 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)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 small growth in Earnings Per Share. The EPS will grow by 7.92% on average per year.

FHB is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.10% yearly.

EPS Next Y17.24%

EPS Next 2Y8.39%

EPS Next 3Y7.92%

EPS Next 5YN/A

Revenue Next Year6.72%

Revenue Next 2Y4.62%

Revenue Next 3Y4.1%

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.

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4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 12.76 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 27.67. FHB is valued rather cheaply when compared to this.

Based on the Price/Forward Earnings ratio of 11.77, the valuation of FHB can be described as reasonable.

Compared to the rest of the industry, the Price/Forward Earnings ratio of FHB indicates a slightly more expensive valuation: FHB is more expensive than 62.76% of the companies listed in the same industry.

The average S&P500 Price/Forward Earnings ratio is at 23.13. FHB is valued slightly cheaper when compared to this.

		Industry Rank	Sector Rank
PE	12.76
Fwd PE	11.77

4.2 Price Multiples

68.37% 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
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)0.74

PEG (5Y)N/A

EPS Next 2Y8.39%

EPS Next 3Y7.92%

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 4.14%, FHB is a good candidate for dividend investing.

FHB's Dividend Yield is a higher than the industry average which is at 3.52.

FHB's Dividend Yield is rather good when compared to the S&P500 average which is at 2.41.

		Industry Rank	Sector Rank
Dividend Yield	4.14%

5.2 History

The dividend of FHB has a limited annual growth rate of 0.05%.

FHB has been paying a dividend for at least 10 years, so it has 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

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 2Y8.39%

EPS Next 3Y7.92%

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FIRST HAWAIIAN INC

NASDAQ:FHB (9/30/2025, 3:40:04 PM)

24.75

-0.17 (-0.68%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)07-25 2025-07-25/bmo

Earnings (Next)10-24 2025-10-24/bmo

Inst Owners102.16%

Inst Owner Change0.94%

Ins Owners0.58%

Ins Owner Change1.75%

Market Cap3.08B

Analysts46.25

Price Target26.67 (7.76%)

Short Float %5.72%

Short Ratio7.28

Dividend

		Industry Rank	Sector Rank
Dividend Yield	4.14%

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)0%

PT rev (3m)1.2%

EPS NQ rev (1m)0.86%

EPS NQ rev (3m)2.9%

EPS NY rev (1m)2.31%

EPS NY rev (3m)5.79%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)0.64%

Revenue NY rev (1m)0%

Revenue NY rev (3m)0.68%

Valuation

		Industry Rank	Sector Rank
PE	12.76
Fwd PE	11.77
P/S	3.73
P/FCF	10
P/OCF	8.92
P/B	1.14
P/tB	1.82
EV/EBITDA	N/A

EPS(TTM)1.94

EY7.84%

EPS(NY)2.1

Fwd EY8.5%

FCF(TTM)2.48

FCFY10%

OCF(TTM)2.77

OCFY11.21%

SpS6.63

BVpS21.62

TBVpS13.59

PEG (NY)0.74

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

WACC15.94%

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 Y17.24%

EPS Next 2Y8.39%

EPS Next 3Y7.92%

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

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5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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