First Hawaiian, Inc.

First Hawaiian, Inc.

FHBยทNASDAQ

$26.46

-0.11%
Financial ServicesBanks - Regional

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.

At a Glance

Live Snapshot
Market Cap$3.22B
EPS2.2100
P/E Ratio11.97
Earnings Date07/24/2026
First Hawaiian, Inc.

First Hawaiian, Inc. Fair Value Envelope

FHB ยท NASDAQ

Our analysis suggests that FHB has a fair value of HIDDEN per share in the Base Case projection. With shares currently trading at $26.46, this represents a potential HIDDEN relative to our calculated worth for First Hawaiian, Inc..

Intrinsic Value
Current Price: $26.46

Owner Earnings Valuation Tool

Warren Buffett's Owner Earnings DCF analysis for intrinsic value calculation

Historical Financial Data

Base year metrics used for projections

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Projection Settings

Forecast period and terminal assumptions

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DCF Valuation Summary

Calculation flow from present value to intrinsic value per share

Present Value$7.1B
+ Cash & Equivalents$228.7M
Firm Value$7.3B
- Debt$0
Equity Value$7.3B
/ Shares Outstanding123,719,585B
DCF Value$59
UNDERVALUED BY 123%

Owner Earnings Projections

Operating Cash Flow - Maintenance CapEx = Owner Earnings

Metric
Year 1
Year 2
Year 3
Year 4
Year 5
Year 6
Year 7
Year 8
Year 9
Year 10
Operating Cash Flow
$352.0M
$369.7M
$388.3M
$407.9M
$428.5M
$450.0M
$472.7M
$496.6M
$521.6M
$547.9M
Maintenance CapEx
-$6.7M
-$7.0M
-$7.4M
-$7.7M
-$8.1M
-$8.5M
-$9.0M
-$9.4M
-$9.9M
-$10.4M
Owner Earnings
$345.3M
$362.7M
$381.0M
$400.2M
$420.3M
$441.5M
$463.8M
$487.1M
$511.7M
$537.5M
Discount Factor
0.926
0.857
0.794
0.735
0.681
0.630
0.583
0.540
0.500
0.463
Present Value
$319.7M
$310.9M
$302.4M
$294.1M
$286.1M
$278.2M
$270.6M
$263.2M
$256.0M
$249.0M
Terminal Value represents 59.9% of Enterprise Value