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Earnings transcript
Read the complete earnings call transcript.
FHB
First Hawaiian, Inc.
$25.05
0.07
(0.28%)
| Exchange: | NASDAQ |
| Market Cap: | 3.078B |
| Shares Outstanding: | 128.819M |
About The Company
| Sector: | Financial Services | |||||
| Industry: | Banks – Regional | |||||
| CEO: | Robert Scott Harrison | |||||
| Full Time Employees: | 1995 | |||||
| Address: |
| |||||
| Website: | https://www.fhb.com |
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.
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Revenue Segmentation
EPS
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Earnings Call
AI summary
Key takeaways
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Login — it's freeIncome Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Revenue | 1,092,767 | 1,132,016 | 1,168,349 |
| Gross Profit | 778,685 | 759,960 | 853,588 |
| EBITDA | 351,941 | 330,614 | 354,243 |
| Operating Income | 309,174 | 292,602 | 354,243 |
| Net Income | 234,983 | 230,129 | 276,266 |
(* All numbers are in thousands)
Balance Sheet
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Total Assets | 24,926,474 | 23,828,186 | 23,955,252 |
| Total Liabilities | 22,517,074 | 21,210,700 | 21,185,887 |
| Total Stockholders Equity | 2,486,066 | 2,617,486 | 2,769,365 |
| Total Debt | 500,000 | 250,000 | 0 |
| Cash and Cash Equivalents | 1,739,897 | 1,170,190 | 228,734 |
(* All numbers are in thousands)
Cash Flow Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Operating Cash Flow | 255,026 | 317,513 | 0 |
| Capital Expenditure | -15,988 | -28,774 | 0 |
| Free Cash Flow | 239,038 | 288,739 | 0 |
| Net Income | 234,983 | 230,129 | 276,266 |
| Net Change in Cash | 1,213,273 | -569,707 | -1,170,190 |
(* All numbers are in thousands)
Analyst Estimates
| Fiscal Year | 2028 | Full Access | Full Access | Full Access | Full Access |
|---|---|---|---|---|---|
| Estimated Revenue (Low) | 967,425.419 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (High) | 982,925.655 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (Avg) | 973,237 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Low) | 384,117.736 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (High) | 390,272.128 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Avg) | 386,425.233 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Low) | 317,563.243 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (High) | 324,190.126 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Avg) | 320,876.685 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Low) | 250,168.432 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (High) | 254,176.668 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Avg) | 251,671.260 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Avg) | 2.550 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (High) | 2.580 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Low) | 2.530 | Full Access | Full Access | Full Access | Full Access |
| Number of Analysts (Estimated Revenue) | 1 | Full Access | Full Access | Full Access | Full Access |
| Number of Analysts (Estimated EPS) | 1 | Full Access | Full Access | Full Access | Full Access |
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Current Key Metrics
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Login — it's freeSWOT Analysis
Strengths (preview)
- Solid Financial Performance in Q3 2025: As highlighted in the latest earnings call transcript, First Hawaiian, Inc. reported strong financial results for the third quarter of 2025, with key metrics such as revenue and net income reflecting robust growth. This performance underscores the company’s operational efficiency and ability to generate consistent returns.
- Healthy Profitability Metrics: The company exhibits strong gross profit margin (TTM) and net profit margin (TTM), indicating effective cost management and profitability relative to revenue. Additionally, a favorable return on equity (ROE TTM) suggests efficient use of shareholder capital.
- Stable Dividend Yield: With a competitive dividend yield (TTM) as per key metrics, FHB offers an attractive income stream for investors, reinforcing its appeal to income-focused portfolios.
- Strong Liquidity Position: Balance sheet data shows significant cash and cash equivalents alongside a healthy current ratio (TTM), providing the company with financial flexibility to manage short-term obligations and invest in growth initiatives.
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At what price to buy it? -
Intrinsic Value Calculator
Based on current fundamentals and analyst forecasts, MARKETSnap estimates FHB intrinsic value between $29.70 – $33.11 per share. This depends on revenue growth, margins, and discount rate.
This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.
Common questions about FHB valuation
Is First Hawaiian, Inc. (FHB) overvalued or undervalued right now?
MARKETSnap estimates intrinsic value for First Hawaiian, Inc. (FHB) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.
Is FHB a buy, hold, or sell for long-term investors?
MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether FHB trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.
What is FHB’s P/E ratio?
You can see FHB’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.
How is intrinsic value calculated for FHB?
MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.
Is FHB a good long-term investment?
Whether FHB fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.
FHB
1-day price chart preview. Log in for 1W through 5Y ranges and period tabs.
Daily snapshot
0.28
Trading Metrics:
| Open: | 24.62 | Previous Close: | 24.98 | |
| Day Low: | 24.5 | Day High: | 25.16 | |
| Year Low: | 20.32 | Year High: | 28.35 | |
| Price Avg 50: | 25.49 | Price Avg 200: | 25.22 | |
| Volume: | 1.183M | Average Volume: | 1.553M |
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Login — it's freeFHB full analysis
Welcome to MARKETSNAP’s SWOT analysis for First Hawaiian, Inc., also known by its ticker FHB. If you’re a long-term investor looking to build wealth with solid picks, you’ve come to the right place. Today, we’re diving deep into First Hawaiian, a regional banking player that might not be a household name like some of the big Wall Street giants, but it’s got a unique position worth exploring. Let’s break down what makes this company tick, analyze its recent performance, and…
