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First Hawaiian, Inc. logo

First Hawaiian, Inc.

FHB

NASDAQFinancial ServicesBanks - Regional

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Previous close

$26.32

−$0.29 · -1.09%

Aug 21, 4:00 PM ET

FHB company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Buy

Favorable setup — positive multi-factor alignment

Valuation

79

Undervalued

Momentum

57

Neutral

Sentiment

65

Bullish

Risk resilience

84

Low Risk

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AI-generated, informational only, and not investment advice.

Company profile

Company website

First Hawaiian, Inc. operates as the holding company for First Hawaiian Bank, providing an extensive array of financial services to both individual consumers and commercial entities throughout the United States. Its activities are organized across three primary segments: Retail Banking, Commercial Banking, and Treasury and Other. The bank facilitates various deposit accounts, including checking, savings, and other specialized deposit products. It also originates diverse loan types such as residential and commercial mortgages, home equity lines of credit, automotive loans and leases, personal lines of credit, installment loans, and financing for small businesses. Additionally, the company offers commercial lease and auto dealer financing. Its comprehensive service offerings extend to credit card services, individual investment and financial planning, insurance protection, trust and estate services, private banking, retirement planning, treasury management, and merchant processing solutions. First Hawaiian operates a network of 54 branch locations, with 49 situated in Hawaii, 3 in Guam, and 2 in Saipan. Founded in 1858, the company was formerly known as BancWest Corporation before changing its name to First Hawaiian, Inc. in April 2016. Its headquarters are located in Honolulu, Hawaii.

Industry
Banks - Regional
Sector
Financial Services
Headquarters
US
CEO
Robert Scott Harrison
Listed since
Aug 5, 2016
Employees
2,000

Market position

Day range

Current $26.32

52-week range

Current $26.32

Open
$26.79
Previous close
$26.61
Volume
1.77M
0.88× average
Average volume
2M
Average daily volume
Market cap
3.2B USD
Beta
0.72
Market reference 1
50-day average
$28.4532
-7.50% below average
200-day average
$26.5839
-0.99% below average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
2.93B USD
P/E (TTM)
11.34×
P/B (TTM)
1.14×
P/S (TTM)
3.28×
EV / EBITDA
7.55×
Earnings yield
8.75%
Free cash flow yield
9.61%
Dividend yield
3.95%

Profitability & efficiency

Gross margin
70.68%
Operating margin
19.44%
Net margin
29.18%
Return on equity
9.98%
Return on assets
1.15%
Return on invested capital
-2.99%

Financial health

Debt / equity
0×
Current ratio
0.03×

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends111%78%45%12%Gross margin, FY2021: 102.86%Gross margin, FY2022: 93.71%Gross margin, FY2023: 71.26%Gross margin, FY2024: 67.13%Gross margin, FY2025: 73.06%Operating margin, FY2021: 49.22%Operating margin, FY2022: 43.27%Operating margin, FY2023: 28.29%Operating margin, FY2024: 25.85%Operating margin, FY2025: 30.32%Net margin, FY2021: 37.48%Net margin, FY2022: 32.73%Net margin, FY2023: 21.50%Net margin, FY2024: 20.33%Net margin, FY2025: 23.65%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 102.86%. Gross margin FY2022 93.71%. Gross margin FY2023 71.26%. Gross margin FY2024 67.13%. Gross margin FY2025 73.06%. Operating margin FY2021 49.22%. Operating margin FY2022 43.27%. Operating margin FY2023 28.29%. Operating margin FY2024 25.85%. Operating margin FY2025 30.32%. Net margin FY2021 37.48%. Net margin FY2022 32.73%. Net margin FY2023 21.50%. Net margin FY2024 20.33%. Net margin FY2025 23.65%.

Income trends

Revenue

1.17B USD+3.21%

Operating income

354.24M USD+21.07%

Net income

276.27M USD+20.05%
Income trends across reported periods1.26B USD886.88M USD511.6M USD136.31M USDRevenue, FY2021: 708.98M USDRevenue, FY2022: 811.76M USDRevenue, FY2023: 1.09B USDRevenue, FY2024: 1.13B USDRevenue, FY2025: 1.17B USDOperating income, FY2021: 349M USDOperating income, FY2022: 351.21M USDOperating income, FY2023: 309.17M USDOperating income, FY2024: 292.6M USDOperating income, FY2025: 354.24M USDNet income, FY2021: 265.74M USDNet income, FY2022: 265.69M USDNet income, FY2023: 234.98M USDNet income, FY2024: 230.13M USDNet income, FY2025: 276.27M USDFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 708.98M USD. Revenue FY2022 811.76M USD. Revenue FY2023 1.09B USD. Revenue FY2024 1.13B USD. Revenue FY2025 1.17B USD. Operating income FY2021 349M USD. Operating income FY2022 351.21M USD. Operating income FY2023 309.17M USD. Operating income FY2024 292.6M USD. Operating income FY2025 354.24M USD. Net income FY2021 265.74M USD. Net income FY2022 265.69M USD. Net income FY2023 234.98M USD. Net income FY2024 230.13M USD. Net income FY2025 276.27M USD.
Metric (USD)FY2025FY2024FY2023FY2022FY2021
Revenue1.17B USD1.13B USD1.09B USD811.76M USD708.98M USD
Cost of goods sold314.76M USD372.06M USD314.08M USD51.06M USD−20.25M USD
Gross profit853.59M USD759.96M USD778.69M USD760.69M USD729.23M USD
Selling, general, and administrative401.29M USD243.28M USD233.37M USD207.13M USD188.49M USD
Operating expenses499.35M USD467.36M USD469.51M USD409.48M USD380.24M USD
Interest income951.3M USD980.04M USD923.58M USD663.22M USD549.31M USD
Interest expense287.56M USD357.31M USD287.45M USD49.67M USD18.75M USD
Depreciation and amortization33.56M USD38.01M USD42.77M USD56.75M USD51.84M USD
Operating income354.24M USD292.6M USD309.17M USD351.21M USD349M USD
Net income276.27M USD230.13M USD234.98M USD265.69M USD265.74M USD

Company facts updated Aug 24, 2026.

Earnings

EPS beat rate
73%
8 beats, 2 misses, 1 met estimate
Average EPS surprise
+3.84%
11 comparable reports
Latest EPS result
0.6
Estimate 0.58 · Beat by 2.92%

EPS: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly EPS actual values compared with estimates0.640.550.460.37Q1 '25MissQ2 '25BeatQ3 '25BeatQ4 '25BeatQ1 '26BeatQ2 '26BeatQ3 '26BeatQ4 '26Estimate
Q1 2025, reported Jan 31, 2025: actual 0.41, estimate 0.43, surprise -4.65%, Miss. Q2 2025, reported Apr 23, 2025: actual 0.47, estimate 0.46, surprise +2.17%, Beat. Q3 2025, reported Jul 25, 2025: actual 0.58, estimate 0.49, surprise +18.37%, Beat. Q4 2025, reported Oct 24, 2025: actual 0.59, estimate 0.522, surprise +13.03%, Beat. Q1 2026, reported Jan 30, 2026: actual 0.56, estimate 0.55, surprise +1.82%, Beat. Q2 2026, reported Apr 24, 2026: actual 0.55, estimate 0.53, surprise +3.77%, Beat. Q3 2026, reported Jul 24, 2026: actual 0.6, estimate 0.583, surprise +2.92%, Beat. Q4 2026, reported Oct 23, 2026: actual —, estimate 0.6, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly Revenue actual values compared with estimates240.52M219.98M199.43M178.88MQ1 '25MissQ2 '25MissQ3 '25MissQ4 '25MissQ1 '26BeatQ2 '26MissQ3 '26BeatQ4 '26Estimate
Q1 2025, reported Jan 31, 2025: actual 188.13M USD, estimate 203.83M USD, surprise -7.70%, Miss. Q2 2025, reported Apr 23, 2025: actual 203.08M USD, estimate 214.53M USD, surprise -5.34%, Miss. Q3 2025, reported Jul 25, 2025: actual 209.14M USD, estimate 218.22M USD, surprise -4.16%, Miss. Q4 2025, reported Oct 24, 2025: actual 217.7M USD, estimate 218.4M USD, surprise -0.32%, Miss. Q1 2026, reported Jan 30, 2026: actual 225.85M USD, estimate 225.47M USD, surprise +0.17%, Beat. Q2 2026, reported Apr 24, 2026: actual 220.35M USD, estimate 220.9M USD, surprise -0.25%, Miss. Q3 2026, reported Jul 24, 2026: actual 231.27M USD, estimate 227.77M USD, surprise +1.54%, Beat. Q4 2026, reported Oct 23, 2026: actual —, estimate 229.3M USD, surprise —, Comparison unavailable.

FHB news

businesswire.com

Sterlington Advises TriCo Bancshares Senior Management Team on $2.02 Billion Acquisition by First Hawaiian

NEW YORK--(BUSINESS WIRE)--Sterlington advised the senior management team of TriCo Bancshares (TriCo), parent company of Tri Counties Bank, on its acquisition by First Hawaiian, Inc., parent company of First Hawaiian…

Read source
defenseworld.net

First Hawaiian, Inc. $FHB Shares Bought by Entropy Technologies LP

Entropy Technologies LP grew its holdings in shares of First Hawaiian, Inc. (NASDAQ: FHB) by 637.3% during the first quarter, according to its most recent Form 13F filing with the Securities and Exchange Commission…

Read source
defenseworld.net

Dimensional Fund Advisors LP Increases Stock Holdings in First Hawaiian, Inc. $FHB

Dimensional Fund Advisors LP grew its stake in shares of First Hawaiian, Inc. (NASDAQ: FHB) by 4.9% during the first quarter, according to the company in its most recent disclosure with the Securities and Exchange…

Read source
defenseworld.net

First Hawaiian Q2 Earnings Call Highlights

First Hawaiian (NASDAQ: FHB) executives said the bank delivered loan growth, wider net interest margin and continued solid credit quality in the second quarter of 2026, while preparing for its proposed combination with…

Read source
prnewswire.com

Halper Sadeh LLC is Investigating Whether VEEE, NXTC, TCBK, FHB are Obtaining Fair Deals for their Shareholders

/PRNewswire/ -- Halper Sadeh LLC, an investor rights law firm, is investigating the following companies for potential violations of the federal securities laws

Read source
seekingalpha.com

First Hawaiian, Inc. (FHB) Q2 2026 Earnings Call Transcript

First Hawaiian, Inc. (FHB) Q2 2026 Earnings Call Transcript

Read source

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ETFs holding FHB

Funds reporting this stock among their holdings, ordered by reported position size.

iShares Core S&P Small-Cap ETF logoiShares Core S&P Small-Cap ETFIJR
Market value
203.78M
Weight
0.18%
AUM
111.19B USD
Expense ratio
0.06%
Price / 1D
$147.31+0.64%
Vanguard Morningstar Total Stock Market ETF logoVanguard Morningstar Total Stock Market ETFVTI
Market value
107.98M
Weight
0.00%
AUM
2.3T USD
Expense ratio
0.03%
Price / 1D
$378.24+0.44%
Vanguard Morningstar Small-Cap ETF logoVanguard Morningstar Small-Cap ETFVB
Market value
77.81M
Weight
0.04%
AUM
183.4B USD
Expense ratio
0.03%
Price / 1D
$304.76+0.64%
State Street SPDR S&P Regional Banking ETF logoState Street SPDR S&P Regional Banking ETFKRE
Market value
49.93M
Weight
1.23%
AUM
4.06B USD
Expense ratio
0.35%
Price / 1D
$74.86+0.20%
Vanguard Morningstar Small-Cap Value ETF logoVanguard Morningstar Small-Cap Value ETFVBR
Market value
49.36M
Weight
0.07%
AUM
68.3B USD
Expense ratio
0.05%
Price / 1D
$249.18+0.68%
Vanguard Extended Market ETF logoVanguard Extended Market ETFVXF
Market value
39M
Weight
0.04%
AUM
93.7B USD
Expense ratio
0.05%
Price / 1D
$245.53+0.82%
State Street SPDR Portfolio S&P 600 Small Cap ETF logoState Street SPDR Portfolio S&P 600 Small Cap ETFSPSM
Market value
30.4M
Weight
0.18%
AUM
17.03B USD
Expense ratio
0.03%
Price / 1D
$57.28+0.61%
iShares S&P Small-Cap 600 Value ETF logoiShares S&P Small-Cap 600 Value ETFIJS
Market value
29.83M
Weight
0.35%
AUM
8.33B USD
Expense ratio
0.18%
Price / 1D
$138.43+0.67%

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