US · FHB
First Hawaiian, Inc.
- Sector
- Financial Services · Banks - Regional
- Headquarters
- Honolulu, HI 96813
- Website
- fhb.com
Price · as of 2025-12-31
$27.47
Market cap 3.06B
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $38.03 | +38.44% |
| Intrinsic Value(DCF) | $23.22 | -15.47% |
| Graham-Dodd Method(GD) | $25.28 | -7.96% |
| Graham Formula(GF) | $24.78 | -9.81% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2011 | |||||
| 2012 | |||||
| 2013 | |||||
| 2014 | $0.00 | $0.00 | |||
| 2015 | $2.49 | $17.16 | |||
| 2016 | $21.47 | $47.71 | $36.51 | $0.00 | $23.52 |
| 2017 | $20.63 | $44.85 | $39.29 | $4.17 | $15.99 |
| 2018 | $19.03 | $44.88 | $36.51 | $6.47 | $27.15 |
| 2019 | $16.83 | $35.20 | $33.77 | $7.46 | $28.00 |
| 2020 | $24.39 | $41.14 | $20.86 | $5.01 | $0.00 |
| 2021 | $23.45 | $23.39 | $32.27 | $7.58 | $4.14 |
| 2022 | $20.05 | $42.95 | $41.94 | $4.81 | $45.65 |
| 2023 | $19.71 | $46.69 | $80.58 | $5.30 | $75.94 |
| 2024 | $24.73 | $42.96 | $20.83 | $6.11 | $20.86 |
| 2025 | $25.13 | $38.03 | $25.82 | $25.28 | $24.77 |
AI valuation
Our deep-learning model estimates First Hawaiian, Inc.'s (FHB) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $38.03
- Current price
- $27.47
- AI upside
- +38.44%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$23.22
-15.47% upside
Graham-Dodd
$25.28
-7.96% upside
Graham Formula
$24.78
-9.81% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| FHB | First Hawaiian, Inc. | $27.47 | 3.06B | +38% | -15% | -8% | -10% | 11.35 | 1.13 | 2.68 | 8.21 | 49.56 | 1.77 | 100.00% | 30.32% | 23.65% | 10.26% | 13.06% | 1.16% | 0.00 | — | 0.03 | 0.03 | -0.65 | 2291.00% | 321.00% | -1918.00% | 7.44% | 0.02 | 11.03% | 0.00% | 0.00% | 0.00% | 8.21 | 12.46 | 2.49 | -0.28 |
| BKU | BankUnited, Inc. | $46.70 | 3.51B | +37% | -31% | -17% | +3% | 13.40 | 1.18 | 1.68 | 13.36 | 89.69 | 1.21 | 49.49% | 16.68% | 12.53% | 9.15% | 4.95% | 0.76% | 0.61 | 0.44 | 0.83 | 0.83 | 4.21 | 1494.00% | 584.00% | 589.00% | 12.78% | 0.02 | 8.61% | 2.56% | 34.20% | 45.27% | 14.70 | 11.43 | 2.45 | 0.11 |
| BOH | Bank of Hawaii Corporatio… | $75.77 | 3.01B | -33% | -3% | -62% | -10% | 15.04 | 1.67 | 2.86 | 7.17 | 44.87 | 1.70 | 67.44% | 26.75% | 19.00% | 11.70% | 57.25% | 0.86% | 0.05 | 0.83 | 11.00 | 11.00 | -2.73 | 3353.00% | 525.00% | 919.00% | 5.95% | 2.36 | 46.30% | 3.65% | 54.90% | 30.97% | 7.74 | 12.17 | 2.07 | 0.34 |
| CATY | Cathay General Bancorp | $49.71 | 3.38B | -34% | -18% | -32% | +12% | 10.94 | 1.10 | 2.25 | 4.92 | — | 1.27 | 49.78% | 22.83% | 20.56% | 10.25% | 24.08% | 1.24% | 0.08 | 0.48 | 0.09 | 0.09 | 0.21 | -1872.00% | 611.00% | -1464.00% | 10.41% | 0.02 | 27.40% | 3.13% | 34.30% | 20.72% | 5.18 | 5.05 | 1.18 | -0.57 |
| CBU | Community Bank System, In… | $60.55 | 3.19B | -56% | -32% | -53% | -57% | 16.24 | 1.70 | 3.68 | 12.95 | 103.47 | 3.21 | 73.43% | 31.40% | 22.66% | 11.17% | 9.01% | 1.25% | 0.34 | 1.51 | 0.08 | 0.00 | 2.17 | 1570.00% | -128.00% | 3623.00% | 8.83% | 0.08 | 12.20% | 2.85% | 46.40% | 6.60% | 14.09 | 13.61 | 4.42 | -0.01 |
| FBP | First BanCorp. | $21.13 | 3.34B | +147% | +21% | -56% | +21% | 9.92 | 1.78 | 2.49 | -5.28 | 169.70 | 1.83 | 70.74% | 32.80% | 25.04% | 18.87% | -8.27% | 1.56% | 0.34 | 1.36 | 0.34 | 0.34 | -1.43 | 585.00% | 616.00% | 1580.00% | 13.30% | 0.02 | -10.91% | 3.56% | 35.30% | 27.14% | -5.62 | -5.58 | -1.84 | -0.33 |
| FULT | Fulton Financial Corporat… | $20.45 | 3.68B | +85% | -6% | -11% | +35% | 9.78 | 1.10 | 2.02 | 7.45 | 30.10 | 1.33 | 67.42% | 25.68% | 20.71% | 11.71% | 15.02% | 1.22% | 0.37 | 0.84 | 0.05 | 0.05 | 1.94 | 3248.00% | 503.00% | -2400.00% | 7.43% | 0.01 | 10.91% | 3.69% | 36.10% | 5.41% | 8.12 | 13.87 | 2.09 | -0.76 |
| TBBK | The Bancorp, Inc. | $52.49 | 2.42B | -12% | -12% | -24% | -48% | 10.86 | 3.59 | 3.59 | 4.03 | 73.93 | 3.59 | 74.26% | 43.89% | 33.05% | 30.85% | -166.02% | 2.52% | 0.61 | — | 8.66 | 8.66 | 1.37 | 1469.00% | -277.00% | 1583.00% | 10.41% | 1.33 | -187.63% | 0.00% | 0.00% | 15.27% | 4.03 | 4.73 | 1.77 | 0.55 |
| WSBC | WesBanco, Inc. | $34.87 | 3.35B | -13% | +150% | -55% | +55% | 12.87 | 0.70 | 2.06 | 13.18 | — | 1.17 | 61.31% | 19.53% | 15.99% | 5.69% | 6.11% | 0.83% | 0.53 | 0.53 | 0.06 | 0.06 | 4.51 | -996.00% | 1488.00% | 3668.00% | 10.29% | 0.01 | 8.09% | 5.00% | 64.40% | 17.12% | 14.26 | 13.16 | 2.79 | -0.62 |
| WSFS | WSFS Financial Corporatio… | $63.51 | 3.47B | -25% | -15% | -7% | -56% | 12.29 | 1.29 | 2.60 | 6.07 | 79.72 | 2.01 | 74.70% | 28.01% | 21.14% | 10.81% | 16.54% | 1.36% | 0.11 | 1.30 | 0.08 | 0.08 | -2.51 | 1542.00% | -305.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 7.19% | 6.50 | — | 1.82 | -0.68 |
About First Hawaiian, Inc.
First Hawaiian, Inc. operates as a bank holding company for First Hawaiian Bank that provides a range of banking services to consumer and commercial customers in the United States. It operates through three segments: Retail Banking, Commercial Banking, and Treasury and Other. The company accepts various deposit products, including checking and savings accounts, and other deposit accounts. It also provides residential and commercial mortgage loans, home equity lines of credit, automobile loans and leases, personal lines of credit, installment loans, and small business loans and leases, as well as commercial lease and auto dealer financing. In addition, the company offers personal installment, credit card, individual investment and financial planning, insurance protection, trust and estate, private banking, retirement planning, treasury, and merchant processing services. It operates a network of 54 branches, which include 49 in Hawaii, 3 in Guam, and 2 in Saipan. The company was formerly known as BancWest Corporation and changed its name to First Hawaiian, Inc. in April 2016. First Hawaiian, Inc. was founded in 1858 and is headquartered in Honolulu, Hawaii.
- CEO
- Robert Scott Harrison
- Employees
- 2K
- Beta
- 0.69
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($23.22 ÷ $27.47) − 1 = -15.47% (DCF, example).