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FHB 
First Hawaiian Inc (FHB)
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Upturn Advisory Summary
12/03/2025: 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 $27.33
1 Year Target Price $27.33
| 0 | Strong Buy |
| 0 | Buy |
| 4 | Hold |
| 3 | Sell |
| 1 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -13.54% | Avg. Invested days 27 | 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 12/03/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 3.11B USD | Price to earnings Ratio 12.37 | 1Y Target Price 27.33 |
Price to earnings Ratio 12.37 | 1Y Target Price 27.33 | ||
Volume (30-day avg) 8 | Beta 0.73 | 52 Weeks Range 19.68 - 27.13 | Updated Date 12/3/2025 |
52 Weeks Range 19.68 - 27.13 | Updated Date 12/3/2025 | ||
Dividends yield (FY) 4.10% | Basic EPS (TTM) 2.02 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 31.4% | Operating Margin (TTM) 44.81% |
Management Effectiveness
Return on Assets (TTM) 1.08% | Return on Equity (TTM) 9.62% |
Valuation
Trailing PE 12.37 | Forward PE 12.45 | Enterprise Value 1230813952 | Price to Sales(TTM) 3.78 |
Enterprise Value 1230813952 | Price to Sales(TTM) 3.78 | ||
Enterprise Value to Revenue 3.81 | Enterprise Value to EBITDA - | Shares Outstanding 123719585 | Shares Floating 122877055 |
Shares Outstanding 123719585 | Shares Floating 122877055 | ||
Percent Insiders 0.63 | Percent Institutions 105.51 |
Upturn AI SWOT
First Hawaiian Inc
Company Overview
History and Background
First Hawaiian Bank was founded in 1858 as Bishop & Co., the first successful bank in the Kingdom of Hawaii. It evolved through mergers and acquisitions, becoming First Hawaiian Bank and ultimately First Hawaiian Inc. They are a leading financial institution in Hawaii.
Core Business Areas
- Retail Banking: Provides a range of banking services to individuals, including checking and savings accounts, loans, and credit cards.
- Commercial Banking: Offers banking solutions to businesses, including loans, lines of credit, treasury management, and international banking services.
- Investment Banking: Provides securities brokerage, investment management and wealth management for individuals and institutions.
Leadership and Structure
First Hawaiian Inc. is led by a board of directors and an executive management team. Lawrence M. Hershfield is currently the President and CEO.
Top Products and Market Share
Key Offerings
- Residential Mortgages: Offers mortgage loans for residential properties in Hawaii. Competitors include Bank of Hawaii and mainland banks operating in Hawaii. Specific market share data is not publicly available for residential mortgages alone.
- Commercial Real Estate Loans: Provides financing for commercial real estate projects. Competitors include Bank of Hawaii, American Savings Bank, and national banks. Market share data is not readily available. Revenue from this product is difficult to isolate, but represents a significant portion of their commercial banking income.
- Credit Cards: Offers a range of consumer and business credit cards. Competitors include national credit card issuers like Chase, Bank of America, and American Express. Specific market share data is difficult to isolate.
Market Dynamics
Industry Overview
The banking industry in Hawaii is competitive, with both local and national players. Factors such as interest rates, economic growth, and tourism significantly impact the industry's performance.
Positioning
First Hawaiian Inc. is positioned as a leading bank in Hawaii with a strong local presence and a long history. Its competitive advantages include its brand reputation, customer relationships, and local expertise.
Total Addressable Market (TAM)
TAM for banking services in Hawaii is estimated to be in the billions of dollars annually, encompassing loans, deposits, and other financial services. First Hawaiian Inc. holds a significant share, but faces strong competition.
Upturn SWOT Analysis
Strengths
- Strong brand reputation in Hawaii
- Established customer base
- Extensive branch network
- Experienced management team
- High deposit market share
Weaknesses
- Geographic concentration in Hawaii
- Dependence on Hawaii's economy
- Limited international presence
- Potential for higher operating expenses due to regulatory compliance
- Interest rate sensitivity
Opportunities
- Expansion of digital banking services
- Growth in wealth management business
- Increased lending activity due to economic growth
- Strategic partnerships with local businesses
- Acquisition of smaller financial institutions
Threats
- Increased competition from national banks
- Economic downturn in Hawaii
- Rising interest rates
- Regulatory changes
- Cybersecurity threats
Competitors and Market Share
Key Competitors
- BOH (BOH)
Competitive Landscape
First Hawaiian Inc. benefits from its strong local brand, while competitors like Bank of Hawaii have similar strengths. Competition focuses on customer service, product offerings, and pricing.
Growth Trajectory and Initiatives
Historical Growth: First Hawaiian Inc.'s growth has been driven by its core banking operations in Hawaii.
Future Projections: Analyst estimates project moderate growth for First Hawaiian Inc., contingent on the Hawaiian economy and interest rate environment.
Recent Initiatives: Recent initiatives include investments in digital banking and expansion of wealth management services.
Summary
First Hawaiian Inc. is a leading bank in Hawaii with a strong brand and established customer base. Its geographic concentration presents both opportunity and risk. They must continue to innovate in digital banking and manage interest rate sensitivity to maintain their competitive position. Future economic conditions in Hawaii will play a significant role in the company's performance.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company Filings
- Analyst Reports
- Industry Publications
Disclaimers:
This analysis is for informational purposes only and does not constitute financial advice. Market data is subject to change.
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 2001 | Website https://www.fhb.com |
Full time employees 2001 | 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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