First Hawaiian, Inc. (FHB) AI Stock Analysis

First Hawaiian, Inc. serves as the holding company for First Hawaiian Bank, providing comprehensive banking services to consumer and commercial clients across the United States. Founded in 1858 and headquartered in Honolulu, Hawaii, the company operates through Retail Banking, Commercial Banking, and Treasury and Other segments. Its deposit offerings include checking accounts, savings accounts, and other deposit options. Its lending activities include residential and commercial mortgages, home equity lines of credit, automobile financing and leases, personal lines of credit, installment loans, and small business loans. The bank also offers credit cards, private banking, trust and estate services, retirement planning, treasury services, and merchant processing solutions.

Annual revenue grew from $709.0M in FY2021 to $1.17B in FY2025, representing a 5-year revenue CAGR of 9.0%. Net income was $265.7M in FY2021 and reached $276.3M in FY2025 after totaling $230.1M in FY2024. Operating margin was 49.2% in FY2021 and stood at 30.3% in FY2025. Over the trailing twelve months, revenue totaled $881.1M with a net profit margin of 32.3% and diluted EPS of $2.30. In the latest quarter ended June 30, 2026, quarterly revenue increased 5.9% year-over-year while quarterly earnings rose 3.4%.

As of June 30, 2026, First Hawaiian held $263.8M in cash and short-term investments, with total assets of $23.65B and shareholders' equity of $2.83B. Its current ratio was 0.02. During FY2025, operating cash flow was $335.1M and free cash flow was $303.3M. Cash deployment in FY2025 included $31.8M in capital expenditures, $100.3M in share buybacks, and $131.0M in dividends paid, while the 5-year share count change was -4.4%.

With a market cap of $3.04B and enterprise value of $2.02B, FHB trades at a trailing P/E of 10.8x and a forward P/E of 12.2x. Relative to the median of its US-listed Financial Services peers, FHB's trailing P/E is below the peer median of 12.1x, while its forward P/E sits above the peer median of 10.8x. Price-to-sales is 3.4x versus the peer median of 3.2x, and price-to-book is 1.1x. Over the past year, FHB returned 14.1% compared to 16.8% for the S&P 500 (SPY), while its 5-year return of 8.2% compares to 83.0% for the index.

First Hawaiian pays an annual forward dividend of $1.04 per share distributed quarterly, representing a dividend yield of 4.17% with a payout ratio of 45.2%. The company has paid dividends for 11 consecutive years, while its 5-year annualized dividend growth is 0.0%. Its most recent ex-dividend date was August 17, 2026.

Analyst coverage includes 1 Strong Buy, 0 Buy, 7 Hold, 1 Sell, and 2 Strong Sell ratings. The mean price target is $29.11, which sits 16.7% above the last close of $24.95. For the fiscal year ending December 31, 2026, consensus estimates project EPS of $2.36 on revenue of $947.3M. FHB beat EPS estimates in 3 of the last 4 quarters, and its next earnings date is October 23, 2026.

This page is an AI-written research summary of First Hawaiian, Inc. (FHB). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

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