FIRST HAWAIIAN INC(NASDAQ:FHB) stock Fundamental Analysis

Fundamental Rating

Taking everything into account, FHB scores 4 out of 10 in our fundamental rating. FHB was compared to 402 industry peers in the Banks industry. FHB scores quite bad on profitability, while its financial health is fine. Not spectacular, but in line with the averages. While showing a medium growth rate, FHB is valued expensive at the moment. FHB also has an excellent dividend rating.

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1. Profitability

1.1 Basic Checks

In the past year FHB was profitable.

FHB had a positive operating cash flow in the past year.

In the past 5 years FHB has always been profitable.

Of the past 5 years FHB 4 years had a positive operating cash flow.

1.2 Ratios

FHB has a Return On Assets of 0.95%. This is in the better half of the industry: FHB outperforms 63.93% of its industry peers.

Looking at the Return On Equity, with a value of 8.50%, FHB is in line with its industry, outperforming 52.49% of the companies in the same industry.

		Industry Rank	Sector Rank
ROA	0.95%
ROE	8.5%
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

With a decent Profit Margin value of 27.11%, FHB is doing good in the industry, outperforming 69.90% of the companies in the same industry.

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)	27.11%
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.

Compared to 1 year ago, FHB has less shares outstanding

Compared to 5 years ago, FHB has less shares outstanding

The debt/assets ratio for FHB is higher compared to a year ago.

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

WACC13.84%

2.3 Liquidity

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

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

FHB shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -2.72%.

FHB shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -3.87% yearly.

FHB shows a decrease in Revenue. In the last year, the revenue decreased by -3.37%.

FHB shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 1.09% yearly.

EPS 1Y (TTM)-2.72%

EPS 3Y-4.58%

EPS 5Y-3.87%

EPS Q2Q%10.81%

Revenue 1Y (TTM)-3.37%

Revenue growth 3Y4.16%

Revenue growth 5Y1.09%

Sales Q2Q%0.75%

3.2 Future

FHB is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 9.42% yearly.

Based on estimates for the next years, FHB will show a small growth in Revenue. The Revenue will grow by 5.42% on average per year.

EPS Next Y10.12%

EPS Next 2Y9.42%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year6.12%

Revenue Next 2Y5.42%

Revenue Next 3YN/A

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

With a Price/Earnings ratio of 14.41, FHB is valued correctly.

Based on the Price/Earnings ratio, FHB is valued a bit more expensive than the industry average as 63.68% of the companies are valued more cheaply.

Compared to an average S&P500 Price/Earnings ratio of 29.35, FHB is valued rather cheaply.

The Price/Forward Earnings ratio is 13.08, which indicates a correct valuation of FHB.

FHB's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. FHB is more expensive than 64.68% of the companies in the same industry.

FHB is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 22.10, which is the current average of the S&P500 Index.

		Industry Rank	Sector Rank
PE	14.41
Fwd PE	13.08

4.2 Price Multiples

FHB's Price/Free Cash Flow is on the same level as the industry average.

		Industry Rank	Sector Rank
P/FCF	14.83
EV/EBITDA	N/A

4.3 Compensation for Growth

FHB's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.

PEG (NY)1.42

PEG (5Y)N/A

EPS Next 2Y9.42%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

FHB has a Yearly Dividend Yield of 4.05%, which is a nice return.

Compared to an average industry Dividend Yield of 3.37, 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 2.33.

		Industry Rank	Sector Rank
Dividend Yield	4.05%

5.2 History

The dividend of FHB has a limited annual growth rate of 1.81%.

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)1.81%

Div Incr Years0

Div Non Decr Years8

5.3 Sustainability

FHB pays out 58.99% 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.

DP58.99%

EPS Next 2Y9.42%

EPS Next 3YN/A

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FIRST HAWAIIAN INC

NASDAQ:FHB (3/7/2025, 8:25:38 PM)

After market: 25.79 0 (0%)

25.79

+0.08 (+0.31%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)01-31 2025-01-31/bmo

Earnings (Next)04-24 2025-04-24/bmo

Inst Owners101.66%

Inst Owner Change0.23%

Ins Owners0.54%

Ins Owner Change8.15%

Market Cap3.26B

Analysts47.5

Price Target29.29 (13.57%)

Short Float %3.42%

Short Ratio5.5

Dividend

		Industry Rank	Sector Rank
Dividend Yield	4.05%

Yearly Dividend1.04

Dividend Growth(5Y)1.81%

DP58.99%

Div Incr Years0

Div Non Decr Years8

Ex-Date02-14 2025-02-14 (0.26)

Surprises & Revisions

EPS beat(2)2

Avg EPS beat(2)10.03%

Min EPS beat(2)8.44%

Max EPS beat(2)11.63%

EPS beat(4)2

Avg EPS beat(4)0.71%

Min EPS beat(4)-16.47%

Max EPS beat(4)11.63%

EPS beat(8)4

Avg EPS beat(8)0.84%

EPS beat(12)6

Avg EPS beat(12)0.39%

EPS beat(16)9

Avg EPS beat(16)4%

Revenue beat(2)0

Avg Revenue beat(2)-4.51%

Min Revenue beat(2)-8.65%

Max Revenue beat(2)-0.36%

Revenue beat(4)1

Avg Revenue beat(4)-7.03%

Min Revenue beat(4)-19.12%

Max Revenue beat(4)0.01%

Revenue beat(8)1

Avg Revenue beat(8)-8.29%

Revenue beat(12)1

Avg Revenue beat(12)-6.29%

Revenue beat(16)2

Avg Revenue beat(16)-5.05%

PT rev (1m)8.36%

PT rev (3m)15.43%

EPS NQ rev (1m)0%

EPS NQ rev (3m)-7.76%

EPS NY rev (1m)12.62%

EPS NY rev (3m)18.2%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)-5.07%

Revenue NY rev (1m)0%

Revenue NY rev (3m)5.44%

Valuation

		Industry Rank	Sector Rank
PE	14.41
Fwd PE	13.08
P/S	3.93
P/FCF	14.83
P/OCF	13.31
P/B	1.23
P/tB	1.98
EV/EBITDA	N/A

EPS(TTM)1.79

EY6.94%

EPS(NY)1.97

Fwd EY7.64%

FCF(TTM)1.74

FCFY6.74%

OCF(TTM)1.94

OCFY7.51%

SpS6.57

BVpS20.95

TBVpS13.03

PEG (NY)1.42

PEG (5Y)N/A

Profitability

		Industry Rank	Sector Rank
ROA	0.95%
ROE	8.5%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	27.11%
GM	N/A
FCFM	26.47%

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-Score6

Asset Turnover0.03

Health

		Industry Rank	Sector Rank
Debt/Equity	0
Debt/FCF	0
Debt/EBITDA	N/A
Cap/Depr	64.48%
Cap/Sales	3.02%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	97.63%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score6

WACC13.84%

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)-2.72%

EPS 3Y-4.58%

EPS 5Y-3.87%

EPS Q2Q%10.81%

EPS Next Y10.12%

EPS Next 2Y9.42%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)-3.37%

Revenue growth 3Y4.16%

Revenue growth 5Y1.09%

Sales Q2Q%0.75%

Revenue Next Year6.12%

Revenue Next 2Y5.42%

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 1Y-29.53%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y-24.13%

OCF growth 3YN/A

OCF growth 5YN/A

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

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens