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Upturn AI SWOT - About
FHB 
First Hawaiian Inc (FHB)
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Upturn Advisory Summary
01/21/2025: FHB (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Analysis of Past Performance
Type Stock | Historic Profit -3.22% | Avg. Invested days 37 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 01/21/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 3.06B USD | Price to earnings Ratio 13.54 | 1Y Target Price 27.75 |
Price to earnings Ratio 13.54 | 1Y Target Price 27.75 | ||
Volume (30-day avg) 791836 | Beta 0.93 | 52 Weeks Range 18.90 - 28.53 | Updated Date 04/2/2025 |
52 Weeks Range 18.90 - 28.53 | Updated Date 04/2/2025 | ||
Dividends yield (FY) 4.29% | Basic EPS (TTM) 1.79 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 28.99% | Operating Margin (TTM) 36.26% |
Management Effectiveness
Return on Assets (TTM) 0.94% | Return on Equity (TTM) 9.02% |
Valuation
Trailing PE 13.54 | Forward PE 11.53 | Enterprise Value 2204763904 | Price to Sales(TTM) 3.85 |
Enterprise Value 2204763904 | Price to Sales(TTM) 3.85 | ||
Enterprise Value to Revenue 4.31 | Enterprise Value to EBITDA - | Shares Outstanding 126196000 | Shares Floating 125475990 |
Shares Outstanding 126196000 | Shares Floating 125475990 | ||
Percent Insiders 0.6 | Percent Institutions 102.24 |
Analyst Ratings
Rating 2.44 | Target Price 26.38 | Buy - | Strong Buy - |
Buy - | Strong Buy - | ||
Hold 5 | Sell 3 | Strong Sell 1 | |
Strong Sell 1 |
Upturn AI SWOT
First Hawaiian Inc
Company Overview
History and Background
First Hawaiian, Inc. traces its roots back to 1858, when Bishop & Company was founded in Honolulu, Hawaii. Over the years, it evolved through mergers and acquisitions, becoming First Hawaiian Bank and, later, First Hawaiian, Inc. The company has remained a prominent financial institution in Hawaii throughout its history.
Core Business Areas
- Retail Banking: Provides a range of financial products and services to individuals and small businesses, including checking and savings accounts, loans, and credit cards.
- Commercial Banking: Offers financial solutions to businesses, including commercial loans, lines of credit, treasury management services, and international banking.
- Investment Services: Provides wealth management, trust, and investment services to individuals, families, and institutions.
Leadership and Structure
First Hawaiian, Inc. is led by a board of directors and a senior management team. The CEO is responsible for the overall strategic direction and performance of the company. The organizational structure is designed to support the various business segments and ensure efficient operations.
Top Products and Market Share
Key Offerings
- Residential Mortgages: Offers mortgage loans for home purchases and refinancing. Market share is significant in Hawaii, estimated to be approximately 30%. Competitors include Bank of Hawaii (BOH) and American Savings Bank.
- Commercial Loans: Provides loans to businesses for various purposes, such as expansion, working capital, and equipment financing. Holds a strong market share locally. Competitors include Bank of Hawaii (BOH), Central Pacific Financial Corp (CPF).
- Credit Cards: Offers a range of credit cards with various rewards and benefits. Market share is significant in Hawaii. Competitors include national issuers like JPMorgan Chase (JPM) and American Express (AXP).
Market Dynamics
Industry Overview
The banking industry is highly regulated and competitive, influenced by interest rates, economic conditions, and technological advancements. There are an increasing number of FinTech competitors as well.
Positioning
First Hawaiian, Inc. is a leading financial institution in Hawaii, known for its strong local presence, customer relationships, and community involvement. They have a very good track record and reputation.
Total Addressable Market (TAM)
The total addressable market (TAM) for banking services in Hawaii is estimated to be in the billions of dollars, encompassing retail banking, commercial lending, and wealth management. First Hawaiian Inc. is positioned to capture a sizable portion of this market due to its local expertise and established presence.
Upturn SWOT Analysis
Strengths
- Strong brand recognition and customer loyalty in Hawaii
- Extensive branch network across the islands
- Solid financial performance and profitability
- Experienced management team
Weaknesses
- Geographic concentration in Hawaii
- Limited international presence
- Vulnerability to economic downturns in the state
- Reliance on traditional banking models amidst digital disruption
Opportunities
- Expansion of digital banking services
- Growth in wealth management and investment services
- Strategic acquisitions to diversify revenue streams
- Increased lending to support local businesses
Threats
- Competition from larger national banks
- Rising interest rates and inflationary pressures
- Cybersecurity risks and data breaches
- Changes in regulatory requirements
Competitors and Market Share
Key Competitors
- BOH
- CPF
Competitive Landscape
First Hawaiian, Inc. benefits from its strong local brand and customer relationships. However, it faces competition from larger national banks and smaller community banks.
Major Acquisitions
Growth Trajectory and Initiatives
Historical Growth: First Hawaiian, Inc. has experienced steady growth in recent years, driven by organic expansion and strategic initiatives.
Future Projections: Analyst estimates project continued growth for First Hawaiian, Inc., driven by its strong market position and favorable economic conditions in Hawaii.
Recent Initiatives: Recent initiatives include investments in digital banking, expansion of wealth management services, and community outreach programs.
Summary
First Hawaiian Inc. is a strong regional bank with a dominant presence in Hawaii. Its local focus provides a competitive advantage, but its concentration in one geographic area creates vulnerability. Investing in digital transformation and wealth management are important for future growth and resilience. The company should also monitor economic conditions in Hawaii and be prepared for potential challenges.
Similar Companies
BOH
Bank of Hawaii Corporation
BOH
Bank of Hawaii Corporation
CPF
Central Pacific Financial Corp
CPF
Central Pacific Financial Corp
Sources and Disclaimers
Data Sources:
- Company Filings
- Market Research Reports
- Analyst Estimates
Disclaimers:
This analysis is for informational purposes only and should not be considered investment advice. Data may be subject to change.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About First Hawaiian Inc
Exchange NASDAQ | Headquaters Honolulu, HI, United States | ||
IPO Launch date 2016-08-04 | Chairman of the Board, President & CEO Mr. Robert Scott Harrison | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 2000 | Website https://www.fhb.com |
Full time employees 2000 | Website https://www.fhb.com | ||
First Hawaiian, Inc. operates as a bank holding company for First Hawaiian Bank that provides a range of banking products and services to consumer and commercial customers in the United States. The company operates in three segments: Retail Banking, Commercial Banking, and Treasury and Other. It offers various deposit products, including checking, savings, and time deposit accounts, and other deposit accounts. The company also provides residential and commercial mortgage loans, home equity lines of credit and loans, automobile loans and leases, secured and unsecured lines of credit, installment loans, small business loans and leases, as well as commercial lease and auto dealer financing. In addition, it offers wealth management, personal installment, individual investment and financial planning, insurance protection, trust and estate, private banking, investment management, retirement planning, and credit card and merchant processing services, as well as consumer and commercial credit cards processing services. Further, the company provides commercial and industrial lending, such as auto dealer flooring, commercial real estate lending, and construction lending services. The company offers its products through branch, online, and mobile distribution channels. 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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