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First Hawaiian, Inc. (FHB) Stock Verdict & Ratings | Investment Bastion

Stock Verdict·Updated 1d ago

First Hawaiian, Inc.

FHBMarket cap $3.00BPrice $24.6

Country🇺🇸United States

SectorFinancials

IndustryBanks

Runs Hawaii's oldest and largest bank, serving households and businesses across the islands since the whaling era. With a dominant local deposit base and minimal mainland competition, it turns geographic isolation into a serious competitive moat.

In Bastion Portfolios?

52W Return+9%Global Market +16%?

01Key Ratings

How does this stock score across Bastion factors?

Growth

Historical Revenue

Rev CAGR (3y)+3%–

Revenue Forecast

Rev CAGR (1y)na–

Rev CAGR (3y)+21%–

Rev CAGR (5y)+13%8

Earnings Forecast

EPS Growth Y+1+10%7

EPS Growth Y+2+60%10

EPS Growth Y+3+9%6

Quality

Margins

EBIT Margin0%5

Net Income Margin32%9

Free Cash Flow Margin35%9

Debt

Net Debt/EBITDAna–

Efficiency

ROE10%5

ROA1%3

Earnings Stability77

GEAR+

Not enough data to calculate the GEAR+ rating.

Value

Price Multiples

P/E Ratio (Forward)89

P/E Ratio (Forward 3y)610

P/BV1.19

EV Multiples

EV/EBITDA Fwd09

EV/EBIT Fwd09

Yield

Free Cash Flow Yield0.0%9

Dividend Yield4.2%9

Momentum

Short term

1 month return-5%5

3 month return-16%2

YTD return+0%5

Mid term

Price vs 52wHigh81%6

1 year return+5%5

Long term

3 year return+56%6

5 year return+5%4

Risk Shield

Price Risk

Beta0.85

Volatility24%9

Free Cash Flow

Free Cash Flow Margin35%9

Free Cash Flow Yield0.0%9

Quality

ROCE11%3

Earnings Stability77

Net Debt/EBITDAna–

02Growth

Is it actually growing, and how fast?

FHBFirst Hawaiian

Revenue FY25$847M

GROWTH RATING↗

——

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+3%–

Revenue, next 1Yna–

Revenue, next 3Y, CAGR+21%–

Revenue, next 5Y, CAGR+13%8

EARNINGS FORECAST▾SCORE

EPS growth, FY26E+10%7

EPS growth, FY27E+60%10

EPS growth, FY28E+9%6

GROWTH ASSESSMENT

STRENGTHS

Revenue is set to grow 21%/yr over the next 3 years, ahead of most of the market.8/10

Revenue grew 3%/yr over the last 3 years and is set to grow 21%/yr from here.

The runway holds up: revenue is set to grow 13%/yr over five years.8/10

WATCH

Earnings are set to grow slower than sales (EPS about 10%/yr vs revenue 21%/yr), so margins are under pressure.

WEAKNESSES

Growth is the weak spot here, trailing 100% of companies worldwide.

BOTTOM LINE

Stalled Business

Growth is a weak point here: a business that's speeding up. The one thing to watch: earnings are set to grow slower than sales.

03Price Momentum

Is the market behind it right now?

MOMENTUM RATING↗

WEAK33 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-5%5

3-month return-16%2

YTD return+0%5

MID & LONG-TERM▾SCORE

% of 52-week high81%6

1-year return+5%5

3-year return+56%6

5-year return+5%4

MOMENTUM ASSESSMENT

STRENGTHS

None flagged.

WATCH

Average long-term results. Multi-year returns are middling (+56% over three years and +4.6% over five), roughly average for the market.

It's up 5% over the past year, but 19% below its 52-week high. That is a touch ahead of the market.

Returns sit at the market level over the past month (-5%) and so far this year (+0%).

WEAKNESSES

The stock is underperforming over three months (-16%).

BOTTOM LINE

Falling Knife

Returns rank poorly over both the short and long run, and the price is still falling. Momentum is firmly negative — catching this is a bet against the tape, not with it. Wait for a base to form. The one thing to watch: the stock is underperforming over three months.

04Value

Are you paying a fair price for it?

Stop guessing on First Hawaiian, Inc.. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

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Loading charts…

02Growth

Is it actually growing, and how fast?

FHBFirst Hawaiian

Revenue FY25$847M

GROWTH RATING↗

——

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+3%–

Revenue, next 1Yna–

Revenue, next 3Y, CAGR+21%–

Revenue, next 5Y, CAGR+13%8

EARNINGS FORECAST▾SCORE

EPS growth, FY26E+10%7

EPS growth, FY27E+60%10

EPS growth, FY28E+9%6

GROWTH ASSESSMENT

STRENGTHS

Revenue is set to grow 21%/yr over the next 3 years, ahead of most of the market.8/10

Revenue grew 3%/yr over the last 3 years and is set to grow 21%/yr from here.

The runway holds up: revenue is set to grow 13%/yr over five years.8/10

WATCH

Earnings are set to grow slower than sales (EPS about 10%/yr vs revenue 21%/yr), so margins are under pressure.

WEAKNESSES

Growth is the weak spot here, trailing 100% of companies worldwide.

BOTTOM LINE

Stalled Business

Growth is a weak point here: a business that's speeding up. The one thing to watch: earnings are set to grow slower than sales.

03Price Momentum

Is the market behind it right now?

MOMENTUM RATING↗

WEAK33 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-5%5

3-month return-16%2

YTD return+0%5

MID & LONG-TERM▾SCORE

% of 52-week high81%6

1-year return+5%5

3-year return+56%6

5-year return+5%4

MOMENTUM ASSESSMENT

STRENGTHS

None flagged.

WATCH

Average long-term results. Multi-year returns are middling (+56% over three years and +4.6% over five), roughly average for the market.

It's up 5% over the past year, but 19% below its 52-week high. That is a touch ahead of the market.

Returns sit at the market level over the past month (-5%) and so far this year (+0%).

WEAKNESSES

The stock is underperforming over three months (-16%).

BOTTOM LINE

Falling Knife

04Value

Are you paying a fair price for it?

Stop guessing on First Hawaiian, Inc.. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

✓
Stock VerdictValuation and investment strategy for 4,000+ stocks. Days of hedge fund analyst research, done in 2 minutes.
✓
RadarFind your next investment idea: top-ranked stocks across all 9 Bastion strategies.
✓
Portfolio ManagerCheck if Bastion algorithms added the stock you care about to their portfolios.

Secure via Stripe

Trusted by 1,000+ investors in our community