FHB · NASDAQ · STOCK
First Hawaiian (FHB) Stock Analysis
$24.68
52W $22.64 – $30.58
68/100
$3.00B
10.6
0.75
⚠
Buy rating, but near-term risk/reward is unfavorable
The long-term recommendation is based on the composite investment score. The near-term risk/reward is based on nearby support and resistance levels. These can differ when a strong company trades close to resistance with support further below.
Is FHB Bullish or Bearish?
Bullish.
Innellis AI committee rates First Hawaiian, Inc. (FHB) Buy with a composite score of 68/100
, based on 6 analysts with 67% agreement.
Last updated October 10, 2026.
What Would Change This View
- Upgrade to Strong Buy
- Requires a committee score of 75.0 — +7.08 from today. Applies on the first day at or above the line; upgrades are never dampened.
- Downgrade to Watch
- Requires the score to fall below 55.0 — -12.92 from today. The band boundary is 60.0, but a one-step downgrade must clear a further margin first. A score oscillating around the line should not change the rating every night.
Executive Summary
The committee is genuinely divided. Growth Analyst sees a compelling case — revenue growing 46.2% yoy -- genuine top-line momentum. Portfolio Manager remains cautious — sector concentration is already high (hhi 2796.97). This disagreement is itself the signal — the setup is not clean in either direction.
Bull & Bear Case
Bull Case
- P/E of 10.6 is inexpensive for the broad market — Value
- Price-to-book of 1.1x is a discount to asset value — Value
- Dividend yield of 5.4% pays you to wait — Value
- Revenue growing 46.2% YoY -- genuine top-line momentum — Growth
- 4 consecutive earnings beats -- consistent execution — Growth
- Quarter-over-quarter growth rate is ACCELERATING, not just positive — Growth
Bear Case
- Price structure making lower highs and lower lows — Technical
- Price structure (HH_HL) contradicts the downtrend -- mixed signals — Technical
- Daily trend (downtrend) conflicts with the weekly trend (uptrend) -- fighting the larger trend — Technical
- Weekly RSI at 23 -- oversold on the larger timeframe too — Technical
Both cases are generated from quantitative data signals, not qualitative or
forward-looking judgement. They summarise what the numbers say today.
Price History (6M)
AI Investment Committee
Committee Consensus
As of October 10, 2026
Overall Committee Score
68/100
Agreement
67%
Analysts
6
Conviction
Moderate
Sector Rank
Top 11%
of 211 Financial Services peers
Value Analyst
bullish
77
/ 100 · Moderate confidence
Classic value case: cheap on multiples with earnings power to back it up
+ P/E of 10.6 is inexpensive for the broad market
Growth Analyst
bullish
83
/ 100 · High confidence
Strong, accelerating growth with consistent execution
+ Revenue growing 46.2% YoY -- genuine top-line momentum
Technical Analyst
neutral
45
/ 100 · High confidence
Mixed or range-bound price action
+ MACD histogram positive -- bullish momentum
− Price structure making lower highs and lower lows
Risk Analyst
bullish
80
/ 100 · Low confidence
Risk profile is manageable -- leverage, volatility, and event exposure all look contained
+ Low leverage (debt-to-equity 0.00) -- balance sheet can absorb a shock
Macro Analyst
bullish
65
/ 100 · Low confidence
Macro backdrop is supportive of risk assets generally, and this name's beta works in its favor
News Analyst
neutral
58
/ 100 · Low confidence
News flow is mixed or quiet -- no strong signal either way right now
Portfolio Manager
bearish
30
/ 100 · Moderate confidence
The existing book itself argues for caution here, independent of how good this specific stock looks
− Sector concentration is already high (HHI 2796.97)
Investment Thesis Evolution
Committee score moved marginally from 67.9 to 67.9.
- New bearish signals: 1 appeared.
- Bullish support removed: 1 signal(s) disappeared.
- New bullish signals: 1 appeared.
Analyst-level changes:
- Technical Analyst: +1 bearish signal(s).
- Value Analyst: +1 bullish signal(s).
Comparing 2026-10-09 to 2026-10-10 (1 day apart).
Technical Analysis
RSI (14)
39.4
Neutral
MACD Histogram
0.033
Bullish Momentum
Trend Direction
Downtrend
Weekly: Uptrend
Market Structure
Hh Hl
Support
$23.50
Resistance
$24.78
Bollinger %B
0.20
Inside Bands
Price vs Moving Averages
EMA 9
$24.92
Below
EMA 21
$25.20
Below
EMA 50
$25.94
Below
EMA 200
$26.46
Below
Fundamental Analysis
Valuation
100
Growth
82
Profitability
65
Financial Health
50
Cash Flow
70
Valuation
P/E Ratio
10.6×
P/B Ratio
1.07×
PEG Ratio
0.54
Dividend Yield
4.21%
52W High
$30.58
52W Low
$22.64
Quality & Growth
ROE
997.6%
ROA
115.3%
Gross Margin
7068.3%
Operating Margin
1944.1%
Revenue Growth YoY
—
Debt / Equity
0.00
AI Fundamental Assessment
P/E ratio of 10.6 (inexpensive relative to a 15-40x range); Price-to-book of 1.1x; PEG ratio of 0.5 (under 1.0 suggests growth is undervalued relative to price); Return on equity of 10.0%; Return on assets of 1.2%; Net margin of 29.2%; Gross margin of 70.7%; Current ratio of 0.02 (tight short-term liquidity); Debt-to-equity of 0.00; Free cash flow per share is positive (2.64); Most recent quarter beat estimates by 2.2%; 4 consecutive earnings beats; EPS growth accelerating (-1.8% -> +9.1% QoQ); Analyst estimates rising over recent quarters
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