First Hawaiian Valuation

FHB Stock  USD 27.28  0.05  0.18%   
At this time, the firm appears to be fairly valued. First Hawaiian shows a prevailing Real Value of $27.08 per share. The current price of the firm is $27.28. Our model computes the value of First Hawaiian from reviewing the firm fundamentals such as Current Valuation of 1.86 B, shares outstanding of 122.69 M, and Profit Margin of 0.32 % as well as analyzing its technical indicators and probability of bankruptcy. Key fundamental drivers impacting First Hawaiian's valuation include:
Price Book
1.2064
Enterprise Value
1.9 B
Price Sales
3.9467
Forward PE
12.2249
Trailing PE
12.3773
Fairly Valued
Today
27.28
Please note that First Hawaiian's price fluctuation is very steady at this time. Calculation of the real value of First Hawaiian is based on 3 months time horizon. Increasing First Hawaiian's time horizon generally increases the accuracy of value calculation and significantly improves the predictive power of the methodology used.
Since First Hawaiian is currently traded on the exchange, buyers and sellers on that exchange determine the market value of First Stock. However, First Hawaiian's intrinsic value may or may not be the same as its current market price, in which case there is an opportunity to profit from the mispricing, assuming the market price will eventually merge with its intrinsic value.
Historical Market  27.28 Real  27.08 Target  27.72 Hype  27.22
The real value of First Stock, also known as its intrinsic value, is the underlying worth of First Hawaiian Company, which is reflected in its stock price. It is based on First Hawaiian's financial performance, growth prospects, management team, or industry conditions. The intrinsic value of First Hawaiian's stock can be calculated using various methods such as discounted cash flow analysis, price-to-earnings ratio, or price-to-book ratio. That value may differ from its current market price, which is determined by supply and demand factors such as investor sentiment, market trends, or news.
27.08
Real Value
28.66
Upside
Estimating the potential upside or downside of First Hawaiian helps investors to forecast how First stock's addition to their portfolios will impact the overall performance. We also use other valuation drivers to help us estimate the true value of First Hawaiian more accurately as focusing exclusively on First Hawaiian's fundamentals will not take into account other important factors:
Earnings
Estimates
LowProjectedHigh
0.520.540.55
Details
Hype
Prediction
LowEstimatedHigh
25.6427.2228.80
Details
8 Analysts
Consensus
LowTarget PriceHigh
25.2327.7230.77
Details
Traditionally, analysts and sophisticated investors use multiple methods for valuing a cash-flow-generating entity or its stock. For example, some money managers use First Hawaiian's intrinsic value based on its ongoing forecasts of First Hawaiian's financial statements. In contrast, other private, professional wealth advisors use a multiplier approach by looking to relative value analysis against First Hawaiian's closest peers. If more than one evaluation category is relevant for First Hawaiian we suggest using both methods to arrive at a better estimate.

First Hawaiian Cash

217.3 Million

First Revenue by Product

First Hawaiian Total Value Analysis

First Hawaiian is currently forecasted to have company total value of 1.86 B with market capitalization of 3.37 B, debt of 21.19 B, and cash on hands of 1.54 B. Please note that company total value may be misleading and is a subject to accounting gimmicks. We encourage investors to carefully check all of the First Hawaiian fundamentals before making security assessment based on enterprise value of the company
  Takeover PriceMarket CapDebt ObligationsCash
1.86 B
3.37 B
21.19 B
1.54 B

First Hawaiian Investor Information

About 99.0% of the company shares are owned by institutional investors. The company has price-to-book (P/B) ratio of 1.21. Some equities with similar Price to Book (P/B) outperform the market in the long run. First Hawaiian last dividend was issued on the 13th of February 2026. Based on the analysis of First Hawaiian's profitability, liquidity, and operating efficiency, First Hawaiian may be sliding down financialy. It has an above-average probability of going through some form of financial hardship next quarter.
Current ValueLast YearChange From Last Year 10 Year Trend
Operating Profit Margin0.310.3032
Fairly Up
Slightly volatile
Total Cash From Operating Activities251.6 M285.8 M
Fairly Down
Pretty Stable
Operating Income355.5 M354.2 M
Slightly Up
Pretty Stable

First Hawaiian Asset Utilization

The asset utilization indicator refers to the revenue earned for every dollar of assets a company currently reports. First Hawaiian has an asset utilization ratio of 4.88 percent. This suggests that the Company is making $0.0488 for each dollar of assets. An increasing asset utilization means that First Hawaiian is more efficient with each dollar of assets it utilizes for everyday operations.
 
Housing Crash
 
Credit Downgrade
 
Yuan Drop
 
Covid
 
Interest Hikes

First Hawaiian Profitability Analysis

Considering First Hawaiian's profitability and operating efficiency indicators, First Hawaiian is yielding more profit at this time then in previous quarter. It has a moderate probability of reporting better profitability numbers in March. Profitability indicators assess First Hawaiian's ability to earn profits and add value for shareholders.
 
Net Income  
First Reported
2001-09-30
Previous Quarter
73.8 M
Current Value
69.9 M
Quarterly Volatility
116.8 M
 
Housing Crash
 
Credit Downgrade
 
Yuan Drop
 
Covid
 
Interest Hikes
At present, First Hawaiian's Pretax Profit Margin is projected to slightly decrease based on the last few years of reporting. The current year's Operating Profit Margin is expected to grow to 0.31, whereas Gross Profit is forecasted to decline to about 661 M.
Current ValueLast YearChange From Last Year 10 Year Trend
Gross Profit Margin0.660.6
Significantly Up
Pretty Stable
Net Profit Margin0.220.2365
Significantly Down
Slightly volatile
Operating Profit Margin0.310.3032
Fairly Up
Slightly volatile
Pretax Profit Margin0.470.3032
Way Up
Slightly volatile
Return On Assets0.0140.0115
Fairly Up
Pretty Stable
Return On Equity0.06890.0998
Way Down
Very volatile
For First Hawaiian profitability analysis, we use financial ratios and fundamental drivers that measure the ability of First Hawaiian to generate income relative to revenue, assets, operating costs, and current equity. These fundamental indicators attest to how well First Hawaiian utilizes its assets to generate profit and value for its shareholders. The profitability module also shows relationships between First Hawaiian's most relevant fundamental drivers. It provides multiple suggestions of what could affect the performance of First Hawaiian over time as well as its relative position and ranking within its peers.

First Hawaiian Earnings per Share Projection vs Actual

The next projected EPS of First Hawaiian is estimated to be 0.5353 with future projections ranging from a low of 0.52 to a high of 0.55. First Hawaiian's most recent 12-month trailing earnings per share (EPS TTM) is at 2.2. Please be aware that the consensus of earnings estimates for First Hawaiian is based on EPS before non-recurring items and includes expenses related to employee stock options.
 
Covid
 
Interest Hikes
First Hawaiian is projected to generate 0.5353 in earnings per share on the 31st of March 2026. First Hawaiian earnings estimates show analyst consensus about projected First Hawaiian EPS (Earning Per Share). It derives the highest and the lowest estimates based on First Hawaiian's historical volatility. Many public companies, such as First Hawaiian, manage the perception of their earnings on a regular basis to make sure that analyst estimates are accurate. Future earnings calculations are also an essential input when attempting to value a firm.

First Hawaiian Earnings Estimation Breakdown

The calculation of First Hawaiian's earning per share is based on the data from the past 12 consecutive months, used for reporting the company's financial figures. The next projected EPS of First Hawaiian is estimated to be 0.5353 with the future projection ranging from a low of 0.52 to a high of 0.55. Please be aware that this consensus of annual earnings estimates for First Hawaiian is based on EPS before non-recurring items and includes expenses related to employee stock options.
Last Reported EPS
0.56
0.52
Lowest
Expected EPS
0.5353
0.55
Highest

First Hawaiian Earnings Projection Consensus

Suppose the current estimates of First Hawaiian's value are higher than the current market price of the First Hawaiian stock. In this case, investors may conclude that First Hawaiian is overpriced and will exhibit bullish sentiment. On the other hand, if the present value is lower than the stock price, analysts may conclude that the market undervalues the equity. These scenarios may suggest that the market is not as efficient as it should be at the estimation time, and First Hawaiian's stock will quickly adjusts to the new information provided by the consensus estimate.
Number of AnalystsHistorical AccuracyLast Reported EPSEstimated EPS for 31st of March 2026Current EPS (TTM)
1093.45%
0.56
0.5353
2.2

First Hawaiian Ownership Allocation

The majority of First Hawaiian outstanding shares are owned by other corporate entities. These outside corporations are usually referred to as non-private investors looking to obtain positions in First Hawaiian to benefit from reduced commissions. Consequently, institutional investors are subject to a different set of regulations than regular investors in First Hawaiian. Please pay attention to any change in the institutional holdings of First Hawaiian as this could imply that something significant has changed or is about to change at the company. Please note that on February 25, 2019, Representative Lois Frankel of US Congress acquired under $15k worth of First Hawaiian's common stock.

First Hawaiian Profitability Analysis

The company reported the last year's revenue of 1.17 B. Total Income to common stockholders was 276.27 M with profit before taxes, overhead, and interest of 853.59 M.

First Hawaiian Past Distributions to stockholders

Please note that valuation analysis is one of the essential comprehensive assessments in business. It evaluates First Hawaiian's worth, which you can determine by considering its current assets, liabilities and future cash flows. The investors' valuation analysis is an important metric that will give you a perspective on different companies. It helps you know the worth of the potential investment in First Hawaiian and how it compares across the competition.

About First Hawaiian Valuation

The stock valuation mechanism determines First Hawaiian's current worth on a weekly basis. Our valuation model uses a comparative analysis of First Hawaiian. We calculate exposure to First Hawaiian's market risk, different technical and fundamental indicators, and relevant financial multiples and ratios and then compare them to those of First Hawaiian's related companies.
Last ReportedProjected for Next Year
Gross Profit1.2 B661 M
Pretax Profit Margin 0.30  0.47 
Operating Profit Margin 0.30  0.31 
Net Profit Margin 0.24  0.22 
Gross Profit Margin 0.60  0.66 

First Hawaiian Quarterly Retained Earnings

1.08 Billion

First Hawaiian's stock price is the clearest measure of market expectations about its performance. Without stock valuation, investors cannot independently discern whether First Hawaiian's value is low or high relative to the company's performance and growth projections. Determining the market value of First Hawaiian can be done in different ways, such as multiplying its stock price by its outstanding shares.
A single share of First Hawaiian represents a small ownership stake in the entity. As a stockholder of First, your percentage of company ownership is determined by dividing the number of shares you own by the total number of shares outstanding and then multiplying that amount by 100. Owning stock in a company generally confers both corporate voting rights and income from any dividends paid to the stock owner.

First Hawaiian Dividends Analysis For Valuation

At present, First Hawaiian's Dividends Paid is projected to decrease significantly based on the last few years of reporting. The current year's Dividend Yield is expected to grow to 0.05, whereas Dividend Payout Ratio is forecasted to decline to 0.45. . At present, First Hawaiian's Earning Assets are projected to decrease significantly based on the last few years of reporting. The current year's Earnings Yield is expected to grow to 0.09, whereas Retained Earnings are forecasted to decline to about 721.4 M.
Last ReportedProjected for Next Year
Dividends Paid119.5 M227.2 M
Dividend Yield 0.04  0.05 
Dividend Payout Ratio 0.47  0.45 
Dividend Paid And Capex Coverage Ratio 2.26  2.15 
There are various types of dividends First Hawaiian can pay to its shareholders, and the actual value of the dividend is determined on a per-share basis. It is to be paid equally to all of First shareholders on a specific date, known as the payable date. The cash dividend is the most common type of dividend payment - it is the payment of actual cash from First Hawaiian directly to its shareholders. There are other types of dividends that companies can issue, such as stock dividends or asset dividends. When First pays a dividend, it has no impact on its enterprise value. It does, however, lowers the Equity Value of First Hawaiian by the value of the dividends paid out.

First Hawaiian Growth Indicators

Growth stocks usually refer to those companies expected to grow sales and earnings faster than the market average. Growth stocks typically don't pay dividends, often look expensive, and usually trading at a high P/E ratio. Nevertheless, such valuations could be relatively cheap if the company continues to grow, which will drive the share price up. However, since most investors are paying a high price for a growth stock, based on expectations, if those expectations are not fully realized, growth stocks can see dramatic declines.
Common Stock Shares Outstanding125.5 M
Quarterly Earnings Growth Y O Y0.365
Forward Price Earnings12.2249

First Hawaiian Current Valuation Indicators

Valuation refers to the process of determining the present value of First Hawaiian and all of its assets. It can be calculated using a number of techniques. As many analysts who try to value First we look at many different elements of the entity such as First's management, its prospective future earnings, the current market value of the company's assets, as well as its capital structure formation.
Valuations are an essential part of business, for companies themselves, but also for investors. For companies, such as First Hawaiian, valuations can help measure their progress and success and can help them track their performance in the market compared to others. In addition, investors can use First Hawaiian's valuations to help determine the worth of potential investments. They can do this by using data and information made public by a company. Regardless of who the valuation is for, it essentially describes First Hawaiian's worth.

Complementary Tools for First Stock analysis

When running First Hawaiian's price analysis, check to measure First Hawaiian's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy First Hawaiian is operating at the current time. Most of First Hawaiian's value examination focuses on studying past and present price action to predict the probability of First Hawaiian's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move First Hawaiian's price. Additionally, you may evaluate how the addition of First Hawaiian to your portfolios can decrease your overall portfolio volatility.
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