First Hawaiian, Inc. (FHB) Stock Analysis
Range Bound setup
Financial Services · Banks - Regional
Hold if already holding. Not a fresh buy at $26.63, but acceptable to hold if already in. Reasons: Concentration risk — Geographic: Hawaii, Guam, and Saipan; Concentration risk — Loan Portfolio: real estate loans (75.0%).
First Hawaiian is the largest bank in Hawaii by loans and net income, operating 49 branches in Hawaii (45), Guam (3), and Saipan (1) with $14.3B gross loans and $276.3M net income in 2025. Revenue comes from net interest income on commercial lending (56% of loan portfolio),... Read more
Hold if already holding. Not a fresh buy at $26.63, but acceptable to hold if already in. Reasons: Concentration risk — Geographic: Hawaii, Guam, and Saipan; Concentration risk — Loan Portfolio: real estate loans (75.0%). Chart setup: RSI 47 mid-range, Bollinger mid-band. Maintain position. Not compelling to add more. Score 5.5/10, moderate confidence.
Passes 6/8 gates (clean insider activity, no SEC red flags, news events none recent, earnings proximity 66d clear, semi cycle peak clear, materials cycle peak clear). Fails on weak momentum and favorable risk/reward ratio. Suitability: aggressive.
Recent Developments — First Hawaiian, Inc.
Latest news
- FHB First Hawaiian posts narrow Q4 2025 EPS beat as shares climb 1.16 percent on strong revenue growth. - Trending Momen — Xã Vĩnh Công positive
- Do options traders know something about First Hawaiian stock we don't? - MSN — MSN neutral
- Why First Hawaiian’s Stock Is Sinking Today - TipRanks — TipRanks negative
- Net revenue after provisions of First Hawaiian, Inc. – NASDAQ:FHB - TradingView — TradingView neutral
- FHB Earnings Preview: First Hawaiian Q1 2026 on April 24 - Meyka — Meyka neutral
Generated 2026-05-20T21:06:21Z.
Thesis
Key Metrics
Quality Signals
Options Flow
Concentration Risks(10-K Item 1A)
- HIGHGeographicHawaii, Guam, and Saipan10-K Item 1: 'we operate a network of 49 branches in Hawaii (45 branches), Guam (3 branches) and Saipan (1 branch)'
- HIGHloan_portfolioreal estate loans75%10-K Item 1A: 'our real estate loans represented approximately $10.7 billion, or 75% of our total loan and lease portfolio'
- HIGHloan_portfoliocommercial lending56%10-K Item 1A: 'Commercial lending represents approximately 56% of our total loan and lease portfolio'
- MEDIUMloan_portfoliocommercial real estate loans32%10-K Item 1A: 'our commercial real estate loans represented approximately $4.6 billion or 32% of our total loan and lease portfolio'
- MEDIUMCustomertop five dealer flooring commitments40%10-K Item 1A: 'our top five dealer relationships represented approximately 40% of our outstanding dealer flooring commitments as of December 31, 2025'
Material Events(8-K, last 90d)
- 2026-02-24Item 5.02LOWAlan H. Arizumi, Vice Chair Wealth Management Group, announced retirement effective March 31, 2026. Not due to any disagreement with the Company. No successor named.SEC filing →
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results. Full disclaimer
Rating Breakdown
10 dimensions · all in-band
Price Targets
Position Sizing
Risk Alerts
Earnings
Verdict History
Frequently Asked Questions
Hold if already holding. Not a fresh buy at $26.63, but acceptable to hold if already in. Reasons: Concentration risk — Geographic: Hawaii, Guam, and Saipan; Concentration risk — Loan Portfolio: real estate loans (75.0%). Chart setup: RSI 47 mid-range, Bollinger mid-band. Maintain position. Not compelling to add more. Target $27.06 (+1.6%), stop $25.43 (−4.7%), A.R:R -1.7:1. Score 5.5/10, moderate confidence.
Take-profit target: $27.06 (+1.6% upside). Target $27.06 (+1.6%), stop $25.43 (−4.7%), A.R:R -1.7:1. Stop-loss: $25.43.
Concentration risk — Geographic: Hawaii, Guam, and Saipan; Concentration risk — Loan Portfolio: real estate loans (75.0%); Analyst target reached - limited upside remaining.
First Hawaiian, Inc. trades at a P/E of 11.6 (forward 10.7). TrendMatrix value score: 7.8/10. Verdict: Hold.
17 analysts cover FHB with a consensus score of 2.4/5. Average price target: $28.
What does First Hawaiian, Inc. do?First Hawaiian is the largest bank in Hawaii by loans and net income, operating 49 branches in Hawaii (45), Guam (3),...
First Hawaiian is the largest bank in Hawaii by loans and net income, operating 49 branches in Hawaii (45), Guam (3), and Saipan (1) with $14.3B gross loans and $276.3M net income in 2025. Revenue comes from net interest income on commercial lending (56% of loan portfolio), consumer real estate loans, and wealth management for customers concentrated in Hawaii's island markets.