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Upturn AI SWOT - About
FHB 
First Hawaiian Inc (FHB)
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Upturn Advisory Summary
09/17/2025: FHB (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
8 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $26.12
1 Year Target Price $26.12
| 0 | Strong Buy |
| 0 | Buy |
| 4 | Hold |
| 3 | Sell |
| 1 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -10.28% | Avg. Invested days 28 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 09/17/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 3.13B USD | Price to earnings Ratio 13.01 | 1Y Target Price 26.12 |
Price to earnings Ratio 13.01 | 1Y Target Price 26.12 | ||
Volume (30-day avg) 8 | Beta 0.87 | 52 Weeks Range 19.89 - 27.93 | Updated Date 09/17/2025 |
52 Weeks Range 19.89 - 27.93 | Updated Date 09/17/2025 | ||
Dividends yield (FY) 4.09% | Basic EPS (TTM) 1.93 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 30.62% | Operating Margin (TTM) 43.12% |
Management Effectiveness
Return on Assets (TTM) 1.03% | Return on Equity (TTM) 9.4% |
Valuation
Trailing PE 13.01 | Forward PE 11.53 | Enterprise Value 1975842304 | Price to Sales(TTM) 3.89 |
Enterprise Value 1975842304 | Price to Sales(TTM) 3.89 | ||
Enterprise Value to Revenue 4.26 | Enterprise Value to EBITDA - | Shares Outstanding 124628000 | Shares Floating 123782569 |
Shares Outstanding 124628000 | Shares Floating 123782569 | ||
Percent Insiders 0.63 | Percent Institutions 102.36 |
Upturn AI SWOT
First Hawaiian Inc
Company Overview
History and Background
First Hawaiian Inc. traces its roots back to 1858 with the founding of Bishop & Co., Hawaii's first bank. It evolved over the years, becoming First Hawaiian Bank in 1969. In 2016, BNP Paribas spun off First Hawaiian, Inc. through an IPO, making it an independent publicly traded company.
Core Business Areas
- Retail Banking: Offers a range of services including checking and savings accounts, personal loans, mortgages, and credit cards to individuals and families.
- Commercial Banking: Provides services such as commercial loans, lines of credit, treasury management, and international banking to businesses of all sizes.
- Wealth Management: Offers investment management, trust and estate planning, and financial advisory services to high-net-worth individuals and families.
Leadership and Structure
First Hawaiian Inc. is led by Chairman, President, and CEO Bob Harrison. The organizational structure includes various departments overseen by executive vice presidents responsible for different business lines.
Top Products and Market Share
Key Offerings
- Mortgages: Provides a variety of mortgage products for home purchases and refinancing. Competitors include Bank of Hawaii, American Savings Bank, and various credit unions. Market share difficult to pinpoint exactly, but First Hawaiian is a major player in the Hawaiian market.
- Commercial Loans: Offers loans to businesses for various purposes, including capital expenditures and working capital. Competitors include Bank of Hawaii, Central Pacific Bank and national players. Revenue is generated through interest income and fees.
- Credit Cards: Offers a range of consumer credit cards. Competitors are major national card issuers, and other local banks. Revenue is generated through interest income and fees.
Market Dynamics
Industry Overview
The banking industry is facing increasing competition from fintech companies, rising interest rates, and evolving regulatory landscape. The Hawaiian market is unique due to its geographic isolation and strong ties to the local community.
Positioning
First Hawaiian Inc. is the largest bank in Hawaii by assets, with a strong brand reputation and deep roots in the community. Its competitive advantages include its extensive branch network, strong customer relationships, and local market expertise.
Total Addressable Market (TAM)
The TAM for banking services in Hawaii encompasses all financial transactions within the state, estimated to be in the billions of dollars annually. First Hawaiian Inc. captures a significant portion of this TAM through its diverse product offerings.
Upturn SWOT Analysis
Strengths
- Strong brand recognition in Hawaii
- Extensive branch network
- Experienced management team
- Deep customer relationships
- High deposit market share
Weaknesses
- Geographic concentration in Hawaii
- Limited international presence
- Potential exposure to economic downturns in Hawaii
- Reliance on traditional banking model
Opportunities
- Expansion into adjacent markets
- Adoption of new technologies
- Increased focus on wealth management
- Growth in the Hawaiian economy
- Leverage brand to expand services
Threats
- Increased competition from national banks and credit unions
- Rise of fintech companies
- Economic downturn in Hawaii
- Changes in regulatory environment
- Rising interest rates
Competitors and Market Share
Key Competitors
- BOH (BOH)
- CPB (CPB)
- ASB (Privately Held)
Competitive Landscape
First Hawaiian Inc. benefits from a strong local presence and brand loyalty, while Bank of Hawaii is close competitor and Central Pacific Bank is trying to capture more market share. Fintech companies pose a threat by offering specialized services. Differentiation through customer service and technological innovation is critical.
Growth Trajectory and Initiatives
Historical Growth: Historical growth data requires access to recent financial data.
Future Projections: Future projections data requires access to recent financial data.
Recent Initiatives: Recent Initiatives includes digital banking enhancements, community support programs, and strategic partnerships.
Summary
First Hawaiian Inc. is a well-established bank in Hawaii with a strong brand and extensive branch network. It benefits from its deep roots in the community, but faces competition from larger national banks and fintech companies. Growth opportunities exist through expansion into adjacent markets and adoption of new technologies. Potential threats include economic downturns and changes in the regulatory environment.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Market Research Reports
- Financial News Outlets
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share and financial data may be estimates and are subject to change. Investment decisions should be based on thorough research and consultation with a qualified financial advisor.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About First Hawaiian Inc
Exchange NASDAQ | Headquaters Honolulu, HI, United States | ||
IPO Launch date 2016-08-04 | Chairman of the Board, President & CEO Mr. Robert Scott Harrison | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 2006 | Website https://www.fhb.com |
Full time employees 2006 | Website https://www.fhb.com | ||
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. The company operates in three segments: Retail Banking, Commercial Banking, and Treasury and Other. It offers various deposit products, including checking, savings, and time deposit accounts, and other deposit accounts. The company also provides residential and commercial mortgage loans, home equity lines of credit and loans, automobile loans and leases, secured and unsecured lines of credit, installment loans, small business loans and leases, as well as commercial lease and auto dealer financing. In addition, it offers wealth management, personal installment, individual investment and financial planning, insurance protection, trust and estate, private banking, investment management, retirement planning, and credit card and merchant processing services, as well as consumer and commercial credit cards processing services. Further, the company provides commercial and industrial lending, such as auto dealer flooring, commercial real estate lending, and construction lending services. The company offers its products through branch, online, and mobile distribution channels. The company was formerly known as BancWest Corporation and changed its name to First Hawaiian, Inc. in April 2016. First Hawaiian, Inc. was founded in 1858 and is headquartered in Honolulu, Hawaii.
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