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Upturn AI SWOT - About
FHB 
First Hawaiian Inc (FHB)
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Upturn Advisory Summary
08/28/2025: 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 -8.37% | 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 08/28/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 3.23B USD | Price to earnings Ratio 13.42 | 1Y Target Price 26.12 |
Price to earnings Ratio 13.42 | 1Y Target Price 26.12 | ||
Volume (30-day avg) 8 | Beta 0.81 | 52 Weeks Range 19.89 - 27.93 | Updated Date 08/29/2025 |
52 Weeks Range 19.89 - 27.93 | Updated Date 08/29/2025 | ||
Dividends yield (FY) 4.00% | 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 13.42 | Forward PE 11.53 | Enterprise Value 2076790656 | Price to Sales(TTM) 4.01 |
Enterprise Value 2076790656 | Price to Sales(TTM) 4.01 | ||
Enterprise Value to Revenue 4.38 | Enterprise Value to EBITDA - | Shares Outstanding 124628000 | Shares Floating 123782569 |
Shares Outstanding 124628000 | Shares Floating 123782569 | ||
Percent Insiders 0.63 | Percent Institutions 102.41 |
Upturn AI SWOT
First Hawaiian Inc
Company Overview
History and Background
First Hawaiian Bank, founded in 1858 as Bishop & Co., is the oldest bank in Hawaii. It has evolved into a full-service bank offering a wide range of financial products and services. Spun off from BNP Paribas in 2016 and became First Hawaiian Inc., traded under the ticker FHB.
Core Business Areas
- Retail Banking: Provides a variety of deposit accounts, loans, and other services to individual customers.
- Commercial Banking: Offers lending, deposit, and cash management services to businesses of all sizes.
- Wealth Management: Provides investment management, trust, and estate planning services to high-net-worth individuals and families.
Leadership and Structure
First Hawaiian Inc. is led by Chairman, President & CEO, Robert S. Harrison. The organizational structure includes executive management overseeing various divisions like Retail Banking, Commercial Banking, and Wealth Management.
Top Products and Market Share
Key Offerings
- Residential Mortgages: Mortgage loans for home purchases and refinancing. Market share data not readily available. Competitors include Bank of Hawaii, American Savings Bank, and national mortgage lenders.
- Commercial Loans: Loans for businesses, including term loans, lines of credit, and commercial real estate financing. Market share data not readily available. Competitors include Bank of Hawaii, Central Pacific Bank, and national banks.
- Credit Cards: Branded and co-branded credit cards with various rewards programs. Competitors include Bank of Hawaii, American Savings Bank, and national card issuers (e.g., Chase, Citi).
Market Dynamics
Industry Overview
The banking industry is undergoing consolidation and facing increased competition from fintech companies. Interest rates and regulatory changes also significantly affect the banks in this industry.
Positioning
First Hawaiian Inc. is the second-largest bank in Hawaii by assets. Its competitive advantages include a strong brand reputation, a large customer base, and a deep understanding of the local market.
Total Addressable Market (TAM)
The total addressable market is the entire banking and wealth management market in Hawaii. While it's hard to provide an exact number, the financial services market exceeds billions of dollars annually. First Hawaiian Inc. is positioned to capture a significant portion through its established presence and customer relationships.
Upturn SWOT Analysis
Strengths
- Strong brand reputation
- Large customer base in Hawaii
- Deep understanding of the local market
- High deposit market share
- Experienced management team
Weaknesses
- Geographic concentration in Hawaii
- Limited international presence
- Reliance on traditional banking products
- High overhead costs compared to fintech startups
Opportunities
- Expansion into new markets (e.g., other Pacific Islands)
- Development of new digital banking products and services
- Acquisition of smaller banks or fintech companies
- Growing wealth management business
Threats
- Increased competition from national banks and fintech companies
- Economic downturn in Hawaii
- Rising interest rates
- Regulatory changes
- Cybersecurity threats
Competitors and Market Share
Key Competitors
- BOH (Bank of Hawaii Corporation)
- CPB (Central Pacific Financial Corp)
Competitive Landscape
First Hawaiian Inc. faces competition from Bank of Hawaii, Central Pacific Bank, and national banks. Its advantages include its strong brand reputation and deep understanding of the local market. Its disadvantages include its geographic concentration in Hawaii and reliance on traditional banking products.
Major Acquisitions
No Recent Publicly Available Acquisitions
- Year:
- Acquisition Price (USD millions):
- Strategic Rationale: N/A
Growth Trajectory and Initiatives
Historical Growth: First Hawaiian Inc. has experienced moderate growth over the past few years, driven by organic growth and acquisitions.
Future Projections: Future growth is expected to be driven by expansion into new markets and the development of new digital products. Analyst estimates are not readily available.
Recent Initiatives: Recent initiatives include investing in digital banking technology and expanding its wealth management business.
Summary
First Hawaiian Inc. is a strong regional bank with a dominant position in the Hawaiian market. Its strengths include a strong brand, large customer base, and deep understanding of the local market. However, it faces challenges from increased competition, economic uncertainty, and regulatory changes. The company is strategically focusing on digital transformation and wealth management to navigate the evolving landscape.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings, press releases, news articles, analyst reports.
Disclaimers:
This analysis is based on publicly available information and is not financial advice. Market conditions and company performance can change rapidly.
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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