FHB Stock Analysis: Buy, Sell, or Hold?

FHB - First Hawaiian, Inc. Common Stock

STATE COMMERCIAL BANKS
$26.41
-0.24 (-0.90%) ▼
5d: -3.4%
30d: +0.69%
90d: +0.42%
BUY
MODERATE Confidence
Analysis Updated: May 15, 2026 12:00 AM ET
Earnings: Apr 24, 2026 0d

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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 1.1% decline. Moderate conviction.
See Forward Earnings Fair Value & Price Prediction →

Long-Term Wealth Forecast (2031)

Based on Analyst Consensus Growth & Historical Valuation

0% (Stagnation) 50% (Hyper Growth)
EST. PRICE IN 2031
$34.64
Based on 4.9% avg growth
INTRINSIC VALUE TODAY
$21.51
Trading above historical range

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 11.1x Exit PE.

In-depth Analysis How we analyze

Valuation Analysis: FHB is currently trading at $26.41, which is considered slightly low relative to its 30-day fair value range of $26.24 to $27.28. The stock's valuation (Forward PE: 10.8) is in line with its historical norms (11.1). Remarkably, the market is currently pricing in an annual earnings decline of 1.1% over the next few years. This pessimistic expectation contrasts with the company's recent 17.2% 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 $26.09. A bounce from this level would confirm strength, while a break below could signal further downside.

Market Sentiment: The stock shows a mixed technical setup (40/100), with neutral trendline and momentum signals. Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.

Quick Decision Summary

Current Position SLIGHTLY LOW
Historical Trading Range $26.24 - $27.28
Company Quality Score 57/100 (HOLD)
Volume Confirmation HIGH
Confidence Score 74.8%

All Signals

  • BULLISH: Price oversold vs 30-day range
  • NEUTRAL: Mixed technical signals (40/100)
  • BULLISH: High volume confirmation
  • NEUTRAL: Near Wall St target ($28.00)

Trading Range Analysis

30-Day Trading Range $26.24 - $27.28
Current vs Trading Range SLIGHTLY LOW

Support & Resistance Levels

Support Level $26.09
Resistance Level $27.88
Current Trend Uptrend
Technical data as of May 15, 2026

Fundamental Context

Forward P/E (Next Year Est.) 10.75
Wall Street Target $28.00 (+6.0%)
Revenue Growth (YoY) 7.4%
Earnings Growth (YoY) 17.2%
Profit Margin 32.8%
Valuation Discount vs History -1.1% cheaper
PE vs Historical 10.8 vs 11.1 FAIR
Market-Implied Price Targets If current PE multiple persists
Implied Growth (YoY): -1.1% (market-implied from PE analysis)
1-Year Target $26.12 (-1%)
2-Year Target $25.83 (-2%)
3-Year Target $25.55 (-3%)
3-Yr Target (if PE normalizes) (PE: 11→11) $26.39 (0%)
3-Year Scenarios Using analyst projected EPS growth
Bull: (PE: 22.1, Growth: 5.8%) $64.29 (+143%)
Base: (SPY PE: 10.7, Growth: 5.8%) $31.31 (+19%)
Bear: (PE: 9.1, Growth: 5.8%) $26.61 (+1%)
📈 Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (12x PE), but valuation improves significantly next year (11x PE) as earnings recover.
Trailing PE: 11.50 | Current EPS (TTM): $2.28
Bull Case $31.07 (+18%)
Analyst growth 7.8%, PE expands to 12.7
Base Case $28.25 (+7%)
Market implied 7.8%, PE stable at 11.5
Bear Case $17.82 (-33%)
Severe decline -20.0%, PE contracts to 9.8
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 10.7 to 11.1
Stabilization Target: $27.28 (+3.3%)
PE Expansion Potential: +3.3%
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Last updated: May 16, 2026 9:07 AM ET
Data refreshes hourly during market hours. Next update: 10:07 AM
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Ticker Score Recommendation Change %
Technical Signals Check
Insider Activity (6 Months)
0
Buys
4
Sells
Net
INSIDERS SELLING
Recent Transactions
Craig Scott Wo SELL 500 shares 2026-02-10
Craig Scott Wo SELL 1500 shares 2026-02-06
Alan Arizumi SELL 36460 shares 2025-12-04

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