First Hawaiian Inc. Common Stock (FHB)

FairStock Score: 67/100 — STEADY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

I am looking at First Hawaiian as a plain regional bank with retail and commercial operations. In fiscal Q2 2026, the quarter ended 2026-06-30, it reported revenue of $231.3 million, net income of $73.4 million, and diluted EPS of $0.60. In fiscal year 2025, the year ended 2025-12-31, it reported revenue of $880.8 million, net income of $276.3 million, and diluted EPS of $2.20. The three-year record is jagged: in fiscal year 2023, the year ended 2023-12-31, revenue was $836.9 million; in fiscal year 2024, the year ended 2024-12-31, revenue was $808.5 million; and in fiscal year 2025 revenue was $880.8 million. Diluted EPS over those years went from $1.84 to $1.79 to $2.20, so this is recovery, not smooth compounding. FairStock calculates a 10.64 P/E, 1.05 P/B, 10.32% ROE, 4.25% dividend yield, and 0.75 beta at the 2026-10-13 close of $24.47. Its Lynch category is stalwart, with 8.3% annual profit growth over five years and 3.7% revenue growth. The likely moat is deposit relationships and switching costs, though the data do not give market share or cost of deposits. The data omit CET1, net interest margin, efficiency ratio, nonperforming loans, and reserve coverage, so I cannot fully judge capital, credit, or core bank profitability; combined ratio is an insurer metric and does not apply. The 4/9 Piotroski score and 0.17% profit growth are uninspiring, and a PEG of 62.59 says the P/E is high relative to recent growth. Still, near book value with a solid dividend and low beta offers defensive value. This is a fair-to-cheap bank, not a wonderful business at a bargain price; I would want a wider margin of safety unless credit and margin data improve.

In plain English: First Hawaiian is a regional bank that takes deposits and makes loans to people and businesses. It earns money steadily and pays a solid dividend, but profits have barely grown lately and returns are only moderate. At $24.47 a share, the price looks about fair to slightly cheap compared with its profits and accounting value, not a clear bargain.

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Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer