Obermatt

First Hawaiian

NSQ:FHB · US32051X1081
BanksSmall

360

33
Profit price72
Cash yield91
Price/Sales28
EV / Gross Profit93
Price/Book46
Returns on capital69
Profit margins
Cash Conversion82
Accruals73
Owner Earnings Margin49
Sales growth17
Profit Growth76
Long-Term EPS Growth34
Owner Earnings Growth65
Reinvestment12
Price momentum26
Debt load86
Debt serviceability23
Liquidity49
Analyst ratings1
Opinion Changes50
Price Target Upside19
Market mood33
Value Creation17/20strong value creator
  • Creates more value than its capital costs
  • Owner earnings growing
  • Owner earnings per share growing
  • Reinvests at strong returns
  • Solid earnings base

What this means

First Hawaiian generates returns well above its cost of capital, the foundation of durable shareholder value.

Based on 3/5 components.

Profile

CountryUSA
IndustryBanks
SizeSmall
TypePublic Company
ExchangeNASDAQGS
Founded1973
ISINUS32051X1081
Last UpdateApr 2, 2026

Description

First Hawaiian, Inc. (‘FHI’) operates as a bank holding company for First Hawaiian Bank (‘FHB’ or the ‘bank’). Through the bank, the company operates a network of various branches in Hawaii, Guam, and Saipan. The company provides a diversified range…

Analysis

Quality compounder

First Hawaiian, Inc. earns the quality_compounder label: good underlying economics priced fairly, with no obvious bargain or excess.

On valuation, the picture is attractive. The owner-earnings multiple stands at 12.7×; owner earnings: the cash an owner could take out each year. The implied growth embedded in that price is around 0% a year, against analyst forecasts of 6%. The price, in other words, assumes less than the experts do.

Growth is tepid; the safety picture is sturdy. The company scores 17/20 on our value-creation score: strong value creator. Analyst sentiment is cautious.

No flags apply to this company at this time: accounts, balance sheet, and cash quality all pass. A clean bill of health is meaningful, not just the absence of a warning. This analysis describes numbers; it is not investment advice.

360° rank · history

1007550250
22
2023202420252026

All-time high

41

Mar 2026

All-time low

17

Jan 2023

Average rank

27

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023
Price/Sales
28
31
41
19
Price/Earnings
42
19
41
7
Price/Book
46
26
43
28
Dividend Yield
91
78
93
91
Value (overall)
56
35
71
31

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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The companies this stock is ranked against.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View
1 · Watch OutGood· 100
Value
1 · ExpensiveGood Value· 100
Quality
1 · Weak FundamentalsHigh Quality· 100
Growth
1 · Tough TimesHigh Growth· 100
Safety
1 · High LeverageWell-Financed· 100
Sentiment
1 · SkepticismPositive· 100
Learn More →