First Hawaiian Inc (FHB) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
First Hawaiian Inc stock (FHB) is currently trading at $24.53. First Hawaiian Inc PE ratio is 10.82. First Hawaiian Inc PS ratio (Price-to-Sales) is 3.43. Analyst consensus price target for FHB is $27.72. WallStSmart rates FHB as Moderate Buy.
- FHB PE ratio analysis and historical PE chart
- FHB PS ratio (Price-to-Sales) history and trend
- FHB intrinsic value — DCF, Graham Number, EPV models
- FHB stock price prediction 2025 2026 2027 2028 2029 2030
- FHB fair value vs current price
- FHB insider transactions and insider buying
- Is FHB undervalued or overvalued?
- First Hawaiian Inc financial analysis — revenue, earnings, cash flow
- FHB Piotroski F-Score and Altman Z-Score
- FHB analyst price target and Smart Rating
First Hawaiian Inc
📊 No data available
Try selecting a different time range
FHB Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · First Hawaiian Inc (FHB)
FHB trades at a significant discount to its Graham intrinsic value of $102.96, offering a 74% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
First Hawaiian Inc (FHB) · 10 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in operating margin, price/book, eps growth. Concerns around peg ratio. Overall metrics suggest strong investment potential with favorable risk/reward.
First Hawaiian Inc (FHB) Key Strengths (6)
Keeps $43 of every $100 in revenue after operating costs
Earnings per share surging 36.50% year-over-year
Keeps $32 of every $100 in revenue as net profit
109.27% of shares held by major funds and institutions
Trading at 1.06x book value, attractively priced
Mid-cap company balancing growth potential with stability
Supporting Valuation Data
First Hawaiian Inc (FHB) Areas to Watch (4)
Very expensive relative to growth, significant premium
Moderate profitability with room for improvement
Revenue is fairly priced at 3.43x sales
Solid revenue growth at 15.50% per year
First Hawaiian Inc (FHB) Detailed Analysis Report
Overall Assessment
This company scores 73/100 in our Smart Analysis, earning a B grade. Out of 10 metrics analyzed, 6 register as strengths (avg 9.2/10) while 4 fall into concern territory (avg 4.8/10). All four categories (Growth, Profitability, Valuation, and Quality) show healthy scores, indicating broadly sound fundamentals.
The Bull Case
The strongest argument centers on Operating Margin, EPS Growth, Profit Margin. Valuation metrics including Price/Book (1.06) suggest the stock is attractively priced. Profitability is solid with Operating Margin at 43.20%, Profit Margin at 32.40%. Growth metrics are encouraging with EPS Growth at 36.50%.
The Bear Case
The primary concerns are PEG Ratio, Return on Equity, Price/Sales. Some valuation metrics including PEG Ratio (3.05), Price/Sales (3.43) suggest expensive pricing. Growth concerns include Revenue Growth at 15.50%, which may limit upside. Profitability pressure is visible in Return on Equity at 10.30%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether PEG Ratio improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 10.30% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 15.50% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate risk investment. The weight of evidence leans positive, with more strengths than concerns. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
The combination of Operating Margin and EPS Growth makes a compelling case at current levels. The key risk is PEG Ratio, but the overall fundamental picture is positive with a clear path to maintaining or improving the current B grade.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
FHB Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
FHB's Price-to-Sales ratio of 3.43x sits near its historical average of 3.8x (36th percentile), suggesting the market is pricing in steady-state growth. The current valuation is 46% below its historical high of 6.29x set in Dec 2016, and 62% above its historical low of 2.11x in Sep 2020. Over the past 12 months, the PS ratio has expanded from ~2.6x, reflecting growing market expectations outpacing revenue growth.
WallStSmart Analysis Synopsis
Data-driven financial summary for First Hawaiian Inc (FHB) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
First Hawaiian Inc is a strong growth company balancing expansion with improving profitability. Revenue reached 854M with 16% growth year-over-year. Profit margins are strong at 32.4%, reflecting pricing power and operational efficiency.
Key Findings
ROE of 1030.0% means the company generates strong returns on shareholder equity. Above 20% is considered top-tier.
Profit margin of 32.4% and operating margin of 43.2% demonstrate strong pricing power and operational efficiency.
What to Watch Next
Dividend sustainability with a current yield of 439.0%. Watch payout ratio and free cash flow coverage.
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact First Hawaiian Inc.
Bottom Line
First Hawaiian Inc offers an attractive blend of growth (16% revenue expansion) and improving fundamentals. The company is transitioning from pure growth to profitable growth, a critical inflection point. Watch for sustained margin expansion as the key signal.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions(52 last 3 months)
| Insider | Type | Shares |
|---|---|---|
WO, CRAIG SCOTT Director | Sell | -500 |
Data sourced from SEC Form 4 filings
Last updated: 8:23:12 AM
About First Hawaiian Inc(FHB)
NASDAQ
FINANCIAL SERVICES
BANKS - REGIONAL
USA
First Hawaiian, Inc. is a banking holding company for First Hawaiian Bank providing a range of banking services to consumers and business customers in the United States.