First Hawaiian, Inc.
FHB scores 78.3 on the Conservative profile, blending a fundamental score (80% weight, emphasizing quality and stability (84% of fundamental weight)) with a machine-learning signal (20% weight) trained on 82 features across 30 years of data.
Minor adjustments (-1.4 points) applied. FHB's rank of #17 primarily reflects its factor profile relative to the conservative weight vector.
These features are direct inputs to the machine learning model. The model was trained on these signals alongside 100 features (including 12 momentum/technical indicators) to produce the ML percentile score.
| Stock | Score | P/E | Rev Growth | Margin | Mkt Cap |
|---|---|---|---|---|---|
| FHB | 78.3 | 11.8 | 3.2% | 24.2% | $3.3B |
| CME | 84.9 | 27.2 | 9.9% | 57.5% | $109.0B |
| CINF | 82.3 | 10.7 | 11.4% | 18.9% | $25.4B |
| ACT | 82.0 | 8.9 | 2.4% | 54.6% | $6.0B |
| SEIC | 80.9 | 14.0 | 10.7% | 27.3% | $9.6B |
| TROW | 79.3 | 10.1 | 3.1% | 28.5% | $20.5B |
| MCHB | 77.7 | 0.0 | 123.7% | 23.2% | $3.4B |
| TRMK | 75.6 | 11.9 | 34.8% | 19.3% | $2.7B |
| BCAL | 74.3 | 9.9 | 26.2% | 27.1% | $613M |
| NMIH | 73.9 | 7.7 | 8.4% | 55.1% | $3.0B |
| FFIN | 73.2 | 18.8 | 11.7% | 30.7% | $4.8B |
| TW | 73.1 | 30.0 | 18.9% | 39.6% | $24.8B |
| VCTR | 73.1 | 18.3 | 8.8% | 32.3% | $4.9B |
| VLY | 72.4 | 12.5 | -2.2% | 17.1% | $7.5B |
| QQQX | 72.3 | 10.4 | 48.6% | 257.3% | $1.4B |
| CNOB | 72.0 | 17.5 | 13.4% | 11.9% | $1.4B |
| Sector Average | 45.5 | 50.1 | 13.3% | -2.1% | โ |
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.
Stock is in an uptrend above the 200-day moving average. This is the stage where institutional accumulation typically occurs. The 50-day SMA provides support.
| Metric | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 |
|---|---|---|---|---|
| Revenue | $292M | $291M | $282M | $278M |
| Gross Profit | $292M | $213M | $205M | $193M |
| Operating Income | $93M | $96M | $88M | $77M |
| Net Income | $70M | $74M | $73M | $59M |
| EPS (Diluted) | $0.56 | $0.59 | $0.58 | $0.47 |
| Gross Margin | 100.0% | 73.3% | 72.5% | 69.3% |
| Operating Margin | 31.8% | 33.0% | 31.2% | 27.7% |
| Net Margin | 23.9% | 25.4% | 25.9% | 21.3% |
| Year | Low | High | Range | Status |
|---|---|---|---|---|
| 2021 | $24.75 | $30.80 | 21.8% | Narrow |
| 2022 | $21.21 | $31.16 | 38% | Wide |
| 2023 | $15.08 | $28.28 | 60.9% | Wide |
| 2024 | $19.48 | $28.80 | 38.6% | Wide |
| 2025 | $20.32 | $28.28 | 32.8% | Moderate |
Growth estimates have been dampened based on technical and fundamental signals. This is a post-hoc adjustment to prevent overly optimistic projections for stocks showing declining momentum or deteriorating fundamentals.
Scores are generated by a multi-stage ML pipeline combining fundamental analysis, ensemble predictions, and structural risk signals. All data is for research purposes only and does not constitute financial advice. Past performance does not guarantee future results.