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First Hawaiian, Inc.
FHB: NasdaqGSLowest reading is at 30 out of 100. All scores are out of 100.
In Short
About The Company
CEO
Mr. Robert Scott Harrison
Market Cap
3.04 Billion USD
Sector
Financial Services
Website
https://www.fhb.comLast Update
15/10/2026, 01:02:35
Description
First Hawaiian, Inc. operates as a bank holding company for First Hawaiian Bank that provides a range of banking products and services to consumer and commercial customers in the United States.
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Strongest readings
- ✔Debt is low at 0.00 times equity
- ✔Financial health is strong (health score 79 out of 100)
- ✔Dividend cover is strong (dividend score 78 out of 100)
- ✔Price-to-earnings of 10.6 is below the market average of 19.6
- ✔Share count has been falling at 0.80% per year
Weakest readings
- ✘Earnings and cashflow growth is weak (growth score 30 out of 100)
- ✘The current price sits above estimated fair value (margin of safety -4.33%)
Key Figures
| Status | Metric | Value | Reading | Market avg |
|---|---|---|---|---|
| ✔ | Price / earnings (TTM) | 10.55x | 19.60x | |
| ✘ | Margin of safety (DCF) | -4.33% | 17.95% | |
| ✘ | Revenue growth (5y average) | 5.53% | 10.97% | |
| ✔ | Dividend yield (TTM) | 4.37% | 1.85% | |
| ✔ | Share count, per year | -0.80% | 0.00% | |
| Return on capital employed | N/A | 10.00% |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
Valuation
84 / 100Priced at or below the market on most measures.
| Status | Metric | Value | Reading | Market avg |
|---|---|---|---|---|
| ✔ | Price / earnings | 10.55x | 19.60x | |
| ✔ | Free cashflow yield | 10.58% | 4.70% | |
| ✔ | Price / earnings growth | 0.46x | 1.50x | |
| Price / book | 1.05x | — | ||
| ✘ | Margin of safety | -4.33% | 17.95% |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
- ✘Estimated intrinsic value of 23.22 USD is below the current price of 24.95 USD
Desired Margin Of Safety
0%
▼
Tip: Set your desired Margin Of Safety
Free Cash Flow Type
Annual Cashflow Growth
0%
Discount Rate
0%
Estimated Fair Value: 61.5 USD ✔
Current Price: 24.3 USD
How Does This Work?
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This calculator helps investors estimate the Intrinsic Value of a company based on the current value of future cash flows. To use the tool, simply input a desired Margin Of Safety, which is an additional discount applied to the present value of the expected future cash flows. The tool calculates the present value using a discount rate that reflects the risk and time value of money, and provides an estimated fair value for the company based on the selected margin of safety. The calculator defaults to using 5 Year Free Cash Flow Growth % and a discount rate based on the US 10-year treasury bond coupon rate. Use our performance analyser to get a feel for the impact this has on longterm investment returns and find a margin of safety you are comfortable with.
Growth
30 / 100Growing more slowly than the market on most measures.
| Status | Metric | Value | Reading | Market avg |
|---|---|---|---|---|
| ✘ | Revenue growth | 5.53% | 10.97% | |
| ✘ | Earnings growth | 0.97% | 14.48% | |
| ✘ | Cashflow growth | 5.21% | 12.35% |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
- ✔Revenue growth has improved this year (9.34% against a five year average of 5.53%)
- ✔Earnings growth has improved this year (18.51% against a five year average of 0.97%)
- ✘Free cashflow growth has slowed this year
Health
79 / 100Balance sheet covers its obligations.
Measured on Leverage and capital, Funding and liquidity, Earnings quality, Asset quality.
| Status | Metric | Value | Reading | Threshold |
|---|---|---|---|---|
| ✔ | Debt / equity | 0.00x | 0.80x | |
| ✔ | Debt / total capital | 0.00x | 1.00x | |
| Equity / assets | 11.56% | — | ||
| Loans / deposits | 0.67x | — | ||
| Net interest margin | 2.77% | — | ||
| Loan-loss cover | 1.19% | — |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
Dividend
78 / 100Covered by both earnings and cashflow.
| Status | Metric | Value | Reading | Market avg |
|---|---|---|---|---|
| ✔ | Dividend yield | 4.37% | 1.85% | |
| ✘ | Dividend growth | -1.39% | 0.00% | |
| ✘ | Payout ratio (earnings) | 45.35% | 40.00% | |
| ✔ | Payout ratio (cashflow) | 41.33% | 65.00% | |
| ✔ | Worst year, last 5 years | -0.02% | -2.00% |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
- ✘Dividend growth has been slowing recently
Management
50 / 100Returns on capital are at or above the market.
| Status | Metric | Value | Reading | Market avg |
|---|---|---|---|---|
| ✘ | Return on equity | 9.98% | 15.00% | |
| Return on capital employed | N/A | 10.00% | ||
| Return on assets | 1.15% | — | ||
| Free cashflow return on capital | 1.27% | — | ||
| Return on capital, 5y change | N/A | 0.00% | ||
| ✔ | Share count, per year | -0.80% | 0.00% | |
| ✔ | Share count, recent | -2.49% | 0.00% | |
| ✘ | Realized buyback return | -46.09% | 0.00% | |
| ✔ | Goodwill erosion / equity | 0.00% | 2.00% | |
| Price volatility, 5 year | 29.30% | — |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
- ✔Shares were repurchased while the value score was 84 out of 100
Analysts
not enough data| Status | Metric | Value | Reading | Neutral |
|---|---|---|---|---|
| Analyst opinion score | N/A | 50 |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
Financial History
Annual figures across the full reporting history we hold.
Market Peers
FHB
SEC Filings
Find yearly (10-K), quaterly (10-Q) and disclosure (8-K) report here, on the Securities and Exchange Commission's EDGAR database. If reading through reports isn't your cup of tea, don't worry. We've made it easy for you by summarizing all the important bits.
See 35+ Years Annual ReportsOther Information
Company Name
First Hawaiian, Inc.
Currency
USD
Beta
0.703
Vol Avg
2259193
Ceo
Mr. Robert Scott Harrison
Cik
0000036377
Cusip
Exchange
NasdaqGS
Full Time Employees
1995
Industry
Banks - Regional
Sector
Financial Services
Ipo Date
Address
999 Bishop Street
City
Honolulu
State
HI
Country
United States
Zip
96813
Phone
808 525 7000
Analysis Last Updated
15/10/2026, 01:02:35
Financial data compiled from SEC EDGAR filings and Yahoo Finance.