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FHB

First HawaiianB
Nasdaq / Banks
Last Price
Quote time unavailable
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Current thesis
Deposit growth, a five-basis-point Q3 margin expansion and potential TriCo scale support upside if credit losses prove isolated and the transaction closes on acceptable terms. [#SEC-8K-2026-10-23] [#EARNINGS-TRANSCRIPT-2026Q3]
Posture
Constructive
Lead driver
Value
What changed
Value remains the lead driver in the composite, 7D delta +0.3.
What can break
Further commercial real estate downgrades or charge-offs after Q3's $20.3 million credit provision. [#SEC-8K-2026-10-23]
Momentum
36
Value
60
Sentiment
59
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $27.00 · Bull $30.00 · Bear $21.00Analysis 2026-10-28; returns require an exact persisted reference.
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-10-27 • Vendor: Data Vendor v1
Scores
As of 2026-10-28 • Model: HYBRID_IC_RP
AI Memo
As of 2026-10-28 • Model: RankAlpha Sentiment Codex
Investment thesis
As of 2026-10-28

Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-10-28. Definitions

Supporting evidence
What
Grade B · Constructive
Confidence Medium · Net Neutral
Target $29.33
Why
Momentum36 · Δ7d +2.9
Value60 · Δ7d +0.3
Sentiment59 · Δ7d -5.3
So what
Strength-led posture (Net Neutral). Favor watchlist adds and disciplined entries.

Confirming evidence

  • • Value remains the lead driver in the composite, 7D delta +0.3.

Contradictions & invalidation

  • • Further commercial real estate downgrades or charge-offs after Q3's $20.3 million credit provision. [#SEC-8K-2026-10-23]
  • • Loan balances declined $115.1 million in Q3, and management lowered its full-year loan-growth outlook, potentially limiting the benefit of improved deposit costs and margin. [#SEC-8K-2026-10-23] Earnings-call transcript.
  • • The $0.52 EPS result missed published consensus estimates, while CRE-related provisioning rose and merger costs complicate earnings quality.

Catalyst clock

2026-10-29

TriCo shareholder votes and remaining approvals

Lead driver: Value · See fundamentals
Momentum
36
8% active weight
Current posture
7d trendFlat
Δ7d
+2.9
Δ21d
-3.1
Value
60
47% active weight
Current posture
7d trendFlat
Δ7d
+0.3
Δ21d
+0.1
Sentiment
59
45% active weight
Current posture
7d trendSoftening
Δ7d
-5.3
Δ21d
-14.6
Why this grade

Composite grade B. Momentum 36.4 / Value 60.3 / Sentiment 58.8

Scenario snapshot

Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2026-10-28. Scenario method

B+
Bull case
25%
Probability
Target price
$30.00
Analysis reference price unavailable
Analysis 2026-10-28 · RankAlpha Sentiment Codex
Most likely
B
Base case
45%
Probability
Target price
$27.00
Analysis reference price unavailable
Analysis 2026-10-28 · RankAlpha Sentiment Codex
B-
Bear case
30%
Probability
Target price
$21.00
Analysis reference price unavailable
Analysis 2026-10-28 · RankAlpha Sentiment Codex
Fundamentals (TTM)
As of 2026-10-27
Market Cap
$3.07B
Beta
0.72
Shares Out
121.68M
P/E (TTM)
12.8
P/S (TTM)
3.86
P/FCF (TTM)
18.70
Rev YoY
+0.7%
EPS YoY
+3.0%
Gross Margin
-
Op Margin
+31.7%
Net Debt
-$167.85M
Current Ratio
0.08
As of 2026-10-28 • Updated nightlySource: Internal modelMethods & Data