FIRST HAWAIIAN INC(NASDAQ:FHB) stock Fundamental Analysis

Fundamental Rating

FHB gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 398 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. FHB does not seem to be growing, but still is valued expensively. 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.

In the past year FHB had a positive cash flow from operations.

FHB had positive earnings in each of the past 5 years.

In the past 5 years FHB always reported a positive cash flow from operatings.

1.2 Ratios

FHB has a Return On Assets of 0.97%. This is in the better half of the industry: FHB outperforms 64.32% of its industry peers.

FHB has a Return On Equity (8.79%) which is in line with its industry peers.

		Industry Rank	Sector Rank
ROA	0.97%
ROE	8.79%
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 (28.46%) is better than 78.39% of its industry peers.

FHB's Profit Margin has declined in the last couple of years.

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)	28.46%
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

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

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 Rank	Sector Rank
Debt/Equity	0.1
Debt/FCF	0
Altman-Z	N/A

ROIC/WACCN/A

WACC16.67%

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

The Earnings Per Share has been decreasing by -3.87% on average over the past years.

Looking at the last year, FHB shows a decrease in Revenue. The Revenue has decreased by -3.37% 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)-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

Based on estimates for the next years, FHB will show a small growth in Earnings Per Share. The EPS will grow by 7.72% on average per year.

The Revenue is expected to grow by 3.87% on average over the next years.

EPS Next Y10.17%

EPS Next 2Y9.01%

EPS Next 3Y7.72%

EPS Next 5YN/A

Revenue Next Year6.14%

Revenue Next 2Y5.28%

Revenue Next 3Y3.87%

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.

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4. Valuation

4.1 Price/Earnings Ratio

FHB is valuated correctly with a Price/Earnings ratio of 12.55.

Compared to the rest of the industry, the Price/Earnings ratio of FHB indicates a slightly more expensive valuation: FHB is more expensive than 60.30% of the companies listed in the same industry.

When comparing the Price/Earnings ratio of FHB to the average of the S&P500 Index (28.29), we can say FHB is valued rather cheaply.

A Price/Forward Earnings ratio of 11.39 indicates a reasonable valuation of FHB.

Based on the Price/Forward Earnings ratio, FHB is valued a bit more expensive than 63.07% of the companies in the same industry.

FHB is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 21.32, which is the current average of the S&P500 Index.

		Industry Rank	Sector Rank
PE	12.55
Fwd PE	11.39

4.2 Price Multiples

FHB's Price/Free Cash Flow ratio is in line with the industry average.

		Industry Rank	Sector Rank
P/FCF	9.82
EV/EBITDA	N/A

4.3 Compensation for Growth

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

PEG (NY)1.23

PEG (5Y)N/A

EPS Next 2Y9.01%

EPS Next 3Y7.72%

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5. Dividend

5.1 Amount

FHB has a Yearly Dividend Yield of 4.59%, which is a nice return.

Compared to an average industry Dividend Yield of 3.66, FHB pays a bit more dividend than its industry peers.

Compared to an average S&P500 Dividend Yield of 2.51, FHB pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	4.59%

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

57.71% 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.

DP57.71%

EPS Next 2Y9.01%

EPS Next 3Y7.72%

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FIRST HAWAIIAN INC

NASDAQ:FHB (4/21/2025, 5:20:00 PM)

After market: 22.46 0 (0%)

22.46

-0.18 (-0.8%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

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

Earnings (Next)04-23 2025-04-23/bmo

Inst Owners101.66%

Inst Owner Change0.39%

Ins Owners0.54%

Ins Owner Change8.04%

Market Cap2.83B

Analysts47.5

Price Target28.56 (27.16%)

Short Float %3.37%

Short Ratio5.46

Dividend

		Industry Rank	Sector Rank
Dividend Yield	4.59%

Yearly Dividend1.05

Dividend Growth(5Y)0.05%

DP57.71%

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)5.12%

Min EPS beat(2)1.8%

Max EPS beat(2)8.44%

EPS beat(4)3

Avg EPS beat(4)5.28%

Min EPS beat(4)-0.75%

Max EPS beat(4)11.63%

EPS beat(8)4

Avg EPS beat(8)0.34%

EPS beat(12)7

Avg EPS beat(12)1.21%

EPS beat(16)9

Avg EPS beat(16)3.33%

Revenue beat(2)0

Avg Revenue beat(2)-12.01%

Min Revenue beat(2)-15.37%

Max Revenue beat(2)-8.65%

Revenue beat(4)1

Avg Revenue beat(4)-6.09%

Min Revenue beat(4)-15.37%

Max Revenue beat(4)0.01%

Revenue beat(8)1

Avg Revenue beat(8)-10.1%

Revenue beat(12)1

Avg Revenue beat(12)-7.31%

Revenue beat(16)1

Avg Revenue beat(16)-6.09%

PT rev (1m)-2.49%

PT rev (3m)6.67%

EPS NQ rev (1m)0.29%

EPS NQ rev (3m)17.71%

EPS NY rev (1m)0.05%

EPS NY rev (3m)16.47%

Revenue NQ rev (1m)0.08%

Revenue NQ rev (3m)4.9%

Revenue NY rev (1m)0.02%

Revenue NY rev (3m)4.23%

Valuation

		Industry Rank	Sector Rank
PE	12.55
Fwd PE	11.39
P/S	3.51
P/FCF	9.82
P/OCF	8.93
P/B	1.08
P/tB	1.75
EV/EBITDA	N/A

EPS(TTM)1.79

EY7.97%

EPS(NY)1.97

Fwd EY8.78%

FCF(TTM)2.29

FCFY10.19%

OCF(TTM)2.52

OCFY11.2%

SpS6.41

BVpS20.74

TBVpS12.81

PEG (NY)1.23

PEG (5Y)N/A

Profitability

		Industry Rank	Sector Rank
ROA	0.97%
ROE	8.79%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	28.46%
GM	N/A
FCFM	35.71%

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-Score9

Asset Turnover0.03

Health

		Industry Rank	Sector Rank
Debt/Equity	0.1
Debt/FCF	0
Debt/EBITDA	N/A
Cap/Depr	75.7%
Cap/Sales	3.56%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	125.47%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score9

WACC16.67%

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)-2.72%

EPS 3Y-4.58%

EPS 5Y-3.87%

EPS Q2Q%10.81%

EPS Next Y10.17%

EPS Next 2Y9.01%

EPS Next 3Y7.72%

EPS Next 5YN/A

Revenue 1Y (TTM)-3.37%

Revenue growth 3Y4.16%

Revenue growth 5Y1.09%

Sales Q2Q%0.75%

Revenue Next Year6.14%

Revenue Next 2Y5.28%

Revenue Next 3Y3.87%

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 1Y20.79%

FCF growth 3Y-10.04%

FCF growth 5Y1.57%

OCF growth 1Y24.5%

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

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens