Stocks · Financial Services · Banks - Regional
First Hawaiian, Inc. FHB
$25.26 +1.45% Close, Oct 2, 2026 · NASDAQ · Market cap $3.07B
Inexpensive vs sector
Next earnings report: Oct 23, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- Operating margin narrowed to 19.4% from 27.4% a year earlier.
- Earnings beat analyst estimates in each of the last 6 quarters (average surprise over the last four: +5.4%).
- The shares trade at 11.0× trailing earnings, lower than 86% of the company's own readings over the past five years.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
Growth11Very weak
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Bottom 10%
- EPS growth (TTM, YoY)Bottom 49%
- FCF growth (TTM, YoY)Bottom 37%
- Revenue growth, 3-year CAGRBottom 42%
- Revenue growth accelerationBottom 12%
Quality64Neutral
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalTop 34%
- Gross marginTop 35%
- Operating marginBottom 45%
- Cash conversion (OCF / net income)Top 49%
- Accruals (lower is better)Bottom 46%
- Net debt / EBITDA (lower is better)Top 14%
- Interest coverBottom 39%
Value83Strong
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 24%
- Free-cash-flow yieldTop 32%
- EBITDA / enterprise valueTop 45%
- Sales / enterprise valueTop 42%
- P/E vs own 5-year history (lower is better)Top 14%
Momentum23Very weak
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthBottom 44%
- 6-month returnBottom 24%
- 1-year return vs S&P 500Bottom 41%
- Distance from 52-week highBottom 29%
- Trend checklist (0–4)Bottom 9%
Revisions57Neutral
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersTop 46%
- Consecutive EPS beatsTop 20%
- Share of analysts rating BuyBottom 16%
- Upside to consensus price targetTop 38%
Stability70Positive
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Top 35%
- Maximum drawdown, 3 yearsTop 38%
- Beta vs S&P 500 (lower is better)Bottom 37%
- Net debt / EBITDA (lower is better)Top 14%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 2.3% | -12.5% | ↓ |
| EPS growth (YoY) | 23.9% | 18.6% | ↓ |
| Gross margin | 69.2% | 70.7% | ↑ |
| Operating margin | 27.4% | 19.4% | ↓ |
| FCF margin | 27.6% | 33.0% | ↑ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | -12.5% | 2.3% | ↓ | Bottom 10% |
| EPS growth (TTM, YoY) | 18.6% | 23.9% | ↓ | Bottom 49% |
| Gross margin | 70.7% | 69.2% | ↑ | Top 35% |
| Operating margin | 19.4% | 27.4% | ↓ | Bottom 45% |
| Net margin | 29.2% | 22.1% | ↑ | — |
| Free-cash-flow margin | 33.0% | 27.6% | ↑ | — |
| Return on invested capital | 4.2% | — | Top 34% | |
| Revenue growth, 3-year CAGR | 12.9% | — | Bottom 42% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 1.18×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -0.2%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 1.7%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- -72.2 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- -1.28×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 0.7×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 4.20%
- Net buyback yield (TTM)
- 2.69%
- Shareholder yield
- 6.89%
- Share count change, 1 year
- -2.4%
- Share count change, 3-year CAGR
- -1.3%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 3, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 6
- Beats in the last 8 reports
- 7 of 8
- Average EPS surprise, last 4
- +5.4%
- Average 2-day reaction, last 8
- +0.2%
- Positive 20 days after report
- 5 of 8
Analysts
- Consensus price target
- $30.25
- Target vs current price
- +19.8%
- Analysts with a rating
- 18
- Share rating Buy or Strong Buy
- 22%
- Consensus rating
- Hold
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 24, 2026 | +2.9% | -1.9% | -2.5% | -7.1% | — |
| Apr 24, 2026 | +3.8% | -2.0% | +1.2% | +1.1% | +7.8% |
| Jan 30, 2026 | +1.8% | -3.7% | -3.1% | -10.2% | -1.1% |
| Oct 24, 2025 | +13.0% | +4.7% | +3.0% | +1.7% | +17.1% |
| Jul 25, 2025 | +18.4% | +0.9% | -3.8% | -2.3% | -7.8% |
| Apr 23, 2025 | +2.2% | +0.8% | -0.3% | +4.3% | +9.7% |
| Jan 31, 2025 | -4.7% | +3.1% | +5.2% | +0.4% | -14.4% |
| Oct 25, 2024 | +9.1% | -0.1% | +3.1% | +13.8% | +9.0% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 24, 2026 | $0.60 | $0.58 | +2.9% | $231.3M |
| Apr 24, 2026 | $0.55 | $0.53 | +3.8% | $220.3M |
| Jan 30, 2026 | $0.56 | $0.55 | +1.8% | $225.9M |
| Oct 24, 2025 | $0.59 | $0.52 | +13.0% | $217.7M |
| Jul 25, 2025 | $0.58 | $0.49 | +18.4% | $209.1M |
| Apr 23, 2025 | $0.47 | $0.46 | +2.2% | $203.1M |
| Jan 31, 2025 | $0.41 | $0.43 | -4.7% | $188.1M |
| Oct 25, 2024 | $0.48 | $0.44 | +9.1% | $201.3M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 11.0× | 12.7× | 14th | Top 24% |
| P/E (forward) | 10.7× | — | — | — |
| EV / EBITDA | 13.7× | — | — | Top 45% |
| EV / Sales | 2.88× | — | — | Top 42% |
| Free-cash-flow yield | 10.49% | — | — | Top 32% |
| Earnings yield | 9.11% | — | — | Top 24% |
P/E over the past five years
Range 8.0× – 15.0× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- +2.9%
- Earnings per share growth (TTM)
- +18.6%
- Change in P/E multiple
- -1.4%
Most of the move came from earnings growth.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✗ Price above 200-day average
- ✗ 50-day average above 200-day
- ✓ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 0
- 50-day average slope (20 days)
- -5.7%
- 200-day average slope (20 days)
- +0.1%
- Distance from 50-day average
- -4.3%
- Distance from 200-day average
- -5.3%
- RSI (14)
- 44.3
- Relative volume
- 1.14×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 17.9%
- Volatility vs own 5-year history
- 0th percentile · Low for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.81
- Correlation with S&P 500
- 0.52
- Current drawdown from 1-year high
- -16.7%
- Maximum drawdown, 3 years
- -25.3%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Jan 14, 2022 | May 11, 2023 | -49.5% | 331 days | Not yet recovered |
| Mar 12, 2021 | Dec 1, 2021 | -14.8% | 183 days | 26 days (Jan 7, 2022) |
| Jan 19, 2021 | Jan 29, 2021 | -11.1% | 8 days | 7 days (Feb 9, 2021) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $3.07B
- P/E (TTM)
- 11.0
- EPS, diluted (TTM)
- $2.30
- Revenue (TTM)
- $976.3M
- Dividend yield
- 4.12%
- 52-week range
- $22.65 – $30.58
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $709.0M | $811.8M | $1.09B | $1.13B | $1.17B |
| Gross profit | $729.2M | $760.7M | $778.7M | $760.0M | $853.6M |
| Operating income | $349.0M | $351.2M | $309.2M | $292.6M | $354.2M |
| Net income | $265.7M | $265.7M | $235.0M | $230.1M | $276.3M |
| EPS (diluted) | $2.05 | $2.08 | $1.84 | $1.79 | $2.20 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $294.6M | $261.6M | $277.7M | $282.3M | $290.9M | $292.4M | $282.5M | $110.4M |
| Net income | $61.5M | $52.5M | $59.2M | $73.2M | $73.8M | $69.9M | $67.8M | $73.4M |
| EPS (diluted) | $0.48 | $0.41 | $0.47 | $0.58 | $0.59 | $0.56 | $0.55 | $0.60 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $417.1M | $430.6M | $255.0M | $317.5M | $335.1M |
| Capital expenditure | -$20.5M | -$13.3M | -$16.0M | -$28.8M | -$31.8M |
| Free cash flow | $396.7M | $417.3M | $239.0M | $288.7M | $303.3M |
| Dividends paid | -$134.1M | -$132.6M | -$132.6M | -$132.8M | -$131.0M |
| Net share buybacks | -$75.0M | -$9.5M | $308,000 | -$40.0M | -$100.1M |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $263.8M
- Total assets
- $23.65B
- Total liabilities
- $20.82B
- Total debt
- $0
- Net debt
- -$263.8M
- Shareholders’ equity
- $2.83B
As of Jun 30, 2026 (filed Aug 3, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Aug 17, 2026 | $0.26 | Aug 28, 2026 |
| May 18, 2026 | $0.26 | May 29, 2026 |
| Feb 13, 2026 | $0.26 | Feb 27, 2026 |
| Nov 17, 2025 | $0.26 | Nov 28, 2025 |
| Aug 18, 2025 | $0.26 | Aug 29, 2025 |
| May 19, 2025 | $0.26 | May 30, 2025 |
| Feb 14, 2025 | $0.26 | Feb 28, 2025 |
| Nov 18, 2024 | $0.26 | Nov 29, 2024 |
Short interest
- Shares sold short
- 11,789,036
- Days to cover
- 6.87
- Change vs previous report
- -4.4%
FINRA short interest, settlement date Sep 15, 2026.