FHB Stock Analysis: Buy, Sell, or Hold?
FHB - First Hawaiian, Inc. Common Stock
$26.55
-1.02 (-3.70%)
▼
BUY
MODERATE Confidence
Last Updated: January 30, 2026
Earnings: Apr 21, 2026
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Interactive Price Chart (1 Month)
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Bottom Line:
💡 BUY OPPORTUNITY: FHB shows positive signals but monitor for confirmation. Market pricing in 1.5% decline. Moderate conviction.
💡 BUY OPPORTUNITY: FHB shows positive signals but monitor for confirmation. Market pricing in 1.5% decline. Moderate conviction.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$32.91
Based on 3.5% avg growth
INTRINSIC VALUE TODAY
$20.44
Trading above fair value
How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 11.6x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: FHB is currently trading at $26.55, which is considered fair relative to its 30-day fair value range of $25.95 to $27.24. The stock's valuation (Forward PE: 11.1) is in line with its historical norms (11.6). Remarkably, the market is currently pricing in an annual earnings decline of 1.5% over the next few years. This pessimistic expectation contrasts with the company's recent 22.9% earnings growth, suggesting potential undervaluation if the company simply maintains stability.
Technical Outlook: Technically, FHB is in a uptrend. The price is currently testing key support at $26.10. A bounce from this level would confirm strength, while a break below could signal further downside. Short-term momentum is weak, with the stock down 3.7% recently.
Market Sentiment: FHB has a strong technical setup (75/100), with favorable trendlines, momentum, and price action for short-term traders. Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Technical Outlook: Technically, FHB is in a uptrend. The price is currently testing key support at $26.10. A bounce from this level would confirm strength, while a break below could signal further downside. Short-term momentum is weak, with the stock down 3.7% recently.
Market Sentiment: FHB has a strong technical setup (75/100), with favorable trendlines, momentum, and price action for short-term traders. Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
FAIR
Fair Price Range
$25.95 -
$27.24
Company Quality Score
60/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
73.8%
All Signals
- NEUTRAL: Price in fair range
- BULLISH: Strong technical setup (75/100)
- BULLISH: High volume confirmation
- BEARISH: Downward momentum (-3.7%)
- NEUTRAL: Near Wall St target ($27.61)
Fair Price Analysis
30-Day Fair Range
$25.95 -
$27.24
Current vs Fair Value
FAIR
Support & Resistance Levels
Support Level
$26.10
Resistance Level
$28.35
Current Trend
Uptrend
Fundamental Context
Forward P/E (Next Year Est.)
11.11
Wall Street Target
$27.61
(+4.0%)
Revenue Growth (YoY)
9.5%
Earnings Growth (YoY)
22.9%
Profit Margin
31.4%
Valuation Discount vs History
-1.5% cheaper
PE vs Historical
11.1 vs 11.6
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-1.5%
(market-implied from PE analysis)
1-Year Target
$26.15
(-2%)
2-Year Target
$25.76
(-3%)
3-Year Target
$25.37
(-4%)
3-Yr Target (if PE normalizes)
(PE: 11→12)
$26.49
(0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 22.3, Growth: 3.0%)
$58.18
(+119%)
Base:
(SPY PE: 11.1, Growth: 3.0%)
$28.99
(+9%)
Bear:
(PE: 9.4, Growth: 3.0%)
$24.64
(-7%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (13x PE), but valuation improves significantly next year (11x PE) as earnings recover.
Trailing PE: 13.18 | Current EPS (TTM): $2.05
Bull Case
$32.67
(+23%)
Analyst growth 10.0%, PE expands to 14.5
Base Case
$29.70
(+12%)
Market implied 10.0%, PE stable at 13.2
Bear Case
$18.37
(-31%)
Severe decline -20.0%, PE contracts to 11.2
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
💡
Upside Surprise Potential
If earnings stabilize (0% growth), PE could expand from 11.1 to 11.6
Stabilization Target:
$27.71
(+4.4%)
PE Expansion Potential:
+4.4%
Last updated: February 01, 2026 12:57 AM ET
Data refreshes hourly during market hours. Next update: 1:57 AM
Data refreshes hourly during market hours. Next update: 1:57 AM
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Technical Signals Check
Is FHB showing a specific setup today?
Insider Activity (6 Months)
0
Buys
0
Sells
0
Net
NEUTRAL
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Professional options setups generated by AI based on today's FHB price and gamma walls.
