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First Hawaiian, Inc. FHB

First Hawaiian, Inc. scores weak on business quality (4.3 of 10). Here is why, in plain words, and what our sealed record shows.

Last price$24.69Oct 9, 2026
Business qualityWeak
Next earningsOct 23, 2026
Insiders, 90 daysQuiet

Why it matters

  1. What First Hawaiian, Inc. does

    First Hawaiian makes money as a regional bank providing retail and commercial banking services primarily in Hawaii. It relies on deposits and loans to generate net interest income.

  2. What it does best

    First Hawaiian captures strong local deposit stickiness in its regional footprint, supporting a net margin of 31.5% that cushions it against mainland lending competition.

  3. The main risk

    Geographic concentration in Hawaii exposes the bank directly to regional economic shifts, leaving its loan portfolio vulnerable if local tourism or real estate slows.

Quality, check by check

Scored against its own industry, from company filings.

ProfitabilityWeak

Net margin reached 31.5% with an ROE of 10.3%. Profitability metrics remain soft relative to peers, showing limited margin expansion as revenue scales.

MoatWeak

The bank holds a localized geographic moat anchored in the Hawaiian islands. Its return on equity sits in the bottom quartile at the 23rd percentile, limiting structural advantage.

GrowthSteady

Revenue grew 8.9% to $904.0M, improving over the prior year's $881.0M. Top-line expansion sits in the top quartile of its sector at the 61st percentile.

Financial healthFair

Debt-to-equity sits at zero, removing balance-sheet risk entirely. Free cash flow reached $313.0M, showing steady cash generation. Overall, the financial profile is mixed.

Insiders

Executives and directors, from SEC Form 4 filings we read ourselves. Open market trades only; grants, option exercises and pre-planned sales left out.

No open market buys or unplanned sales by executives or directors.

Our sealed record on FHB

Verdicts appear here 30 days after we publish them; members see today's. Each one is in the nightly ledger, fingerprinted the night it was made.

The first sealed verdicts appear here on Oct 11, 2026.

Questions

Is FHB a good business?

First Hawaiian, Inc. scores weak on the Cluenex quality check (4.3 of 10), measured against its own industry. Profitability is weak, moat weak, growth steady and financial health fair.

Are insiders buying FHB?

In the last 90 days of SEC Form 4 filings: No open market buys or unplanned sales by executives or directors.

When does FHB report earnings?

Oct 23, 2026.

For members

See FHB today

  • Today's verdict on FHB, and why
  • Fair value with cautious, base and optimistic cases
  • The exact price that would change the verdict
  • Which stocks each signal names, the night it fires
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Cite this page: Cluenex, “First Hawaiian, Inc. (FHB)”, https://cluenex.com/stocks/fhb/, data as of Oct 10, 2026.