First Hawaiian, Inc.

FHB US Financials Regional Banks
S&P 600
$25.76
+0.33%
Delayed · cached 15 min

Fair value analysis

FHB
First Hawaiian, Inc.
FinancialsRegional Banks
$25.75
Close used for this calculation
$32.31Fair value
Financial DNA Score
Profitability · Returns · Balance Sheet · Efficiency · Growth
64/100
Profitability17/25
Returns11/25
Balance Sheet11/25
Efficiency25/25
Growth14/25
Good
Quality radar
64Prof.17/25Ret.11/25Eff.25/25B.Sht11/25Growth14/25

Consensus fair value

$32.31
Below FV
▲ +25.5% against the close used
Model range $7.11 – $44.00
The lowest and highest of the models that produced a value. This is the spread of the methods, not a price target.

Price target range & 52-week position

Bear$7.11Fair value$32.31Bull$44.00
FairClose
52-week traded range
52W low $22.7752W high $30.34

The 52-week range is measured from the stored price history, not estimated.

Valuation summary

Trading below the consensus fair value

First Hawaiian, Inc. closed at $25.75, 20.3% below the consensus fair value of $32.31 drawn from 9 valuation models.

Financial DNA score 64/100 — Good. P/E of 11.7x against the 20x sector multiple the P/E model uses.

Quantitative summary only — not investment advice.

All valuation models

DCF Valuation
$34.40
+33.6%
Σ[CF×(1+g)^n/(1.10)^n] + TV/(1.10)^10
g=3.2%, r=10%, tg=3%, n=10yr
Graham Number
$33.89
+31.6%
√(22.5 × EPS × BVPS)
EPS=2.2, BVPS=23.2
P/E Fair Value
$44.00
+70.9%
EPS × 20x (sector P/E)
EPS=2.2, Sector P/E=20x
Peter Lynch (PEG)
$7.11
-72.4%
EPS × Growth% (PEG = 1 is fair)
EPS=2.2, g=3.2%
EV/EBITDA
$34.25
+33.0%
(EBITDA × 11.6x − Net Debt) ÷ Shares
EBITDA=370.3M
Dividend Discount (DDM)
$15.86
-38.4%
D1 ÷ (r − g) where D1 = D0×(1+g)
D0=1.04, r=10%, g=3.2%
Book Value (P/B)
$22.44
-12.8%
BVPS × (ROE−g)÷(r−g) [Justified P/B — RIM-based]
BVPS=23.2, ROE=9.8%, g=3.2%, r=10%
Reverse DCF
$25.75
+0.0%
Solve for g: Price = Σ[EPS×(1+g)^n/(1.10)^n] + TV
Implied: -0.1% | Historical: 3.2%
Margin of Safety
$28.07
+9.0%
Avg(DCF, Graham, P/E) × 75% (25% safety buffer)
Avg fair value=37.43, MoS=25%

Computed on September 12, 2026 from the most recent annual report on file and that day's closing price. Where a company has seen its earnings move sharply since its last annual report, this figure will lag the market.

Educational data only. Not a recommendation to buy, sell or hold any security.

Educational data only. Not a recommendation to buy, sell or hold any security.