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Upturn AI Summary - About
First Hawaiian Inc(FHB)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for FHB
10/15/2026: FHB (2-star) is currently NOT-A-BUY. Pass it for now.
First Hawaiian Inc is a mature regional bank holding company known for its established market presence in Hawaii, Guam, and Saipan. The bank benefits from a strong core deposit franchise and a conservative credit culture that has supported its long-standing position in the region. Its primary growth opportunity lies in enhancing digital service capabilities and expanding fee-based wealth management income. Investors face primary risks including geographic economic concentration and potential net interest margin sensitivity to shifting interest rates. The stock may suit dividend-focused and value-oriented investors, though monitoring local economic data and regional tourism performance is essential for assessing future performance.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | FHB is a steady, mature regional bank rather than a high-growth stock. |
| Momentum investor | Weak fit | The stock typically moves in line with broader regional bank sector trends rather than aggressive momentum patterns. |
| Value investor | Strong fit | The company often trades at valuations that may appeal to investors seeking disciplined banking franchises. |
| Dividend investor | Strong fit | FHB offers a consistent dividend yield, making it attractive for income-focused portfolios. |
| Low-risk investor | Strong fit while signal remains positive | Its conservative business model and established market position provide stability, though it is subject to economic risk. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium | Bank stocks are sensitive to interest rate shifts and broader economic data. |
| Valuation risk | Low | The stock generally trades based on fundamental banking metrics like Price-to-Book. |
| Competition risk (regional banking) | Medium | Competition from local peers and digital banks can pressure margins. |
| Business quality | Strong | FHB maintains a dominant market share and strong capital base. |
| Dividend income | Strong | Consistent dividends are a core part of the investment proposition. |
| Execution risk | Low | The bank has a long history of stable, consistent operational management. |
Price Behavior
Rolling Over
The price momentum is slowing down and beginning to turn downward.
Smooth
The stock has moved along a generally orderly path with only modest fluctuations.
Analysis of Past Performance
Type Stock | Historic Profit 7.37% | Avg. Invested days 38 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 10/15/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 2.96B USD | Price to earnings Ratio 10.64 | 1Y Target Price 29.11 |
Price to earnings Ratio 10.64 | 1Y Target Price 29.11 | ||
Volume (30-day avg) 2.2M shares | Beta 0.75 | 52 Weeks Range 21.94 - 30.29 | Updated Date 10/15/2026 |
52 Weeks Range 21.94 - 30.29 | Updated Date 10/15/2026 | ||
Dividends yield (FY) 4.25% | Basic EPS (TTM) 2.29 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Net Interest Income | Interest earned on commercial and residential loans exceeding interest paid on deposits. | This is the primary way the bank makes money by charging more for loans than it pays to depositors. |
| Non-Interest Income | Service charges, trust and investment fees, and other banking fees. | These are fees the bank collects for services provided, diversifying revenue beyond traditional lending. |
| Geography: Hawaii, Guam, Saipan | Concentrated operations across these specific Pacific markets. | The bank's success is tied directly to the economic health and tourism activity of these specific island economies. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2026-10-23 | When Before Market | Estimate 0.6 | Actual - |
Profitability
Profit Margin 32.34% | Operating Margin (TTM) 43.71% |
Management Effectiveness
Return on Assets (TTM) 1.2% | Return on Equity (TTM) 10.32% |
Valuation
Trailing PE 10.64 | Forward PE 12.22 | Enterprise Value 1.95B | Price to Sales(TTM) 3.36 |
Enterprise Value 1.95B | Price to Sales(TTM) 3.36 | ||
Enterprise Value to Revenue 3.47 | Enterprise Value to EBITDA - | Shares Outstanding 121.68M | Shares Floating 120.38M |
Shares Outstanding 121.68M | Shares Floating 120.38M | ||
Percent Insiders 0.73 | Percent Institutions 113.04 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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