FIRST HAWAIIAN INC (FHB) Stock Fundamental Analysis

NASDAQ:FHB • US32051X1081

26.36 USD
+0.06 (+0.23%)
Last: Feb 17, 2026, 03:42 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

5

Taking everything into account, FHB scores 5 out of 10 in our fundamental rating. FHB was compared to 381 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.


Dividend Valuation Growth Profitability Health

4

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.
  • Each year in the past 5 years FHB has been profitable.
  • FHB had a positive operating cash flow in 4 of the past 5 years.
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

  • Looking at the Return On Assets, with a value of 1.07%, FHB is in the better half of the industry, outperforming 68.24% of the companies in the same industry.
  • The Return On Equity of FHB (9.47%) is comparable to the rest of the industry.
Industry RankSector Rank
ROA 1.07%
ROE 9.47%
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 30.70%, FHB belongs to the top of the industry, outperforming 81.36% of the companies in the same industry.
  • FHB's Profit Margin has improved in the last couple of years.
  • The Operating Margin and Gross Margin are not available for FHB so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 30.7%
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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ROAROEROICOperating and Profit MarginShow most profitable peers

5

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.
  • The number of shares outstanding for FHB has been reduced compared to 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.
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
WACC15.56%
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 100M 200M 300M

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

5

3. Growth

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.
  • Looking at the last year, FHB shows a quite strong growth in Revenue. The Revenue has grown by 8.94% in the last year.
  • The Revenue has been growing slightly by 3.74% on average over the past years.
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

  • Based on estimates for the next years, FHB will show a small growth in Earnings Per Share. The EPS will grow by 4.30% on average per year.
  • The Revenue is expected to grow by 3.11% on average over the next years.
EPS Next Y2.79%
EPS Next 2Y4.3%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year2.54%
Revenue Next 2Y3.11%
Revenue Next 3YN/A
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 decreasing.
  • The Revenue growth rate is stable: in the next years the growth will be about the same 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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Find the best growth stocksShow best growing peers

5

4. Valuation

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 11.98 indicates a reasonable valuation of FHB.
  • Based on the Price/Earnings ratio, FHB is valued a bit cheaper than the industry average as 60.63% of the companies are valued more expensively.
  • When comparing the Price/Earnings ratio of FHB to the average of the S&P500 Index (27.19), we can say FHB is valued rather cheaply.
  • FHB is valuated reasonably with a Price/Forward Earnings ratio of 11.66.
  • The rest of the industry has a similar Price/Forward Earnings ratio as FHB.
  • FHB's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.06.
Industry RankSector Rank
PE 11.98
Fwd PE 11.66
FHB Price Earnings VS Forward Price EarningsFHB Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • FHB's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. FHB is cheaper than 67.45% of the companies in the same industry.
Industry RankSector Rank
P/FCF 10.58
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 an expensive valuation of the company.
PEG (NY)4.29
PEG (5Y)1.4
EPS Next 2Y4.3%
EPS Next 3YN/A

More info and screens

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

7

5. Dividend

5.1 Amount

  • FHB has a Yearly Dividend Yield of 3.99%. Purely for dividend investing, there may be better candidates out there.
  • FHB's Dividend Yield is rather good when compared to the industry average which is at 2.78. FHB pays more dividend than 80.84% of the companies in the same industry.
  • FHB's Dividend Yield is rather good when compared to the S&P500 average which is at 1.82.
Industry RankSector Rank
Dividend Yield 3.99%

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
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

  • 50.97% of the earnings are spent on dividend by FHB. 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.
DP50.97%
EPS Next 2Y4.3%
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

More info and screens

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FIRST HAWAIIAN INC

NASDAQ:FHB (2/17/2026, 3:42:03 PM)

26.36

+0.06 (+0.23%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-30
Earnings (Next)04-21
Inst Owners105.58%
Inst Owner Change-0.25%
Ins Owners0.55%
Ins Owner Change-2.63%
Market Cap3.23B
Revenue(TTM)880.79M
Net Income(TTM)258.83M
Analysts48.24
Price Target28.11 (6.64%)
Short Float %7.24%
Short Ratio6.34
Dividend
Industry RankSector Rank
Dividend Yield 3.99%
Yearly Dividend1.05
Dividend Growth(5Y)0.05%
DP50.97%
Div Incr Years0
Div Non Decr Years8
Ex-Date02-13
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)0.03%
PT rev (3m)3.36%
EPS NQ rev (1m)0.18%
EPS NQ rev (3m)1.37%
EPS NY rev (1m)-0.45%
EPS NY rev (3m)0.64%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.03%
Revenue NY rev (1m)-0.12%
Revenue NY rev (3m)0.25%
Valuation
Industry RankSector Rank
PE 11.98
Fwd PE 11.66
P/S 3.84
P/FCF 10.58
P/OCF 9.4
P/B 1.18
P/tB 1.87
EV/EBITDA N/A
EPS(TTM)2.2
EY8.35%
EPS(NY)2.26
Fwd EY8.58%
FCF(TTM)2.49
FCFY9.45%
OCF(TTM)2.8
OCFY10.64%
SpS6.87
BVpS22.28
TBVpS14.13
PEG (NY)4.29
PEG (5Y)1.4
Graham Number33.21
Profitability
Industry RankSector 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)1.02%
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 Turnover0.03
Health
Industry RankSector 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
WACC15.56%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)22.91%
EPS 3Y2.05%
EPS 5Y8.55%
EPS Q2Q%36.59%
EPS Next Y2.79%
EPS Next 2Y4.3%
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 Year2.54%
Revenue Next 2Y3.11%
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 1Y39.11%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y40.46%
OCF growth 3YN/A
OCF growth 5YN/A

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 11.98 and the Price/Book (PB) ratio is 1.18.


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 2.79% in the next year.