FHB

First HawaiianC

Nasdaq / Banks

At close

2026-07-21

Current thesis

Modest upside: sustained tourism recovery, stable NIMs, and modest credit improvement could lift shares into the high-$20s; upside is limited relative to anchor and requires execution.

Posture

Mixed

Lead driver

Value

What changed

Next scheduled catalyst: earnings 2026-07-24 · BMO.

What can break

Rising credit losses in commercial real estate or hospitality exposure

Momentum

Value

Sentiment

Setup hits (3d)

0 · Net Neutral

AI TargetsBase $27.67 · Bull $29.00 · Bear $24.00

Earnings

2026-07-24 · BMO

Data freshness

Prices

As of 2026-07-21

Fundamentals

As of 2026-07-22 • Vendor: Data Vendor v1

Scores

As of 2026-07-21 • Model: HYBRID_IC_RP

AI Memo

As of 2026-01-10 • Model: RankAlpha Sentiment AI

Investment thesis

As of 2026-07-21

Supporting evidence

What

Grade C · Mixed

Confidence Medium · Net Neutral

Target $30.11

Why

Momentum51 · Δ7d -17.1

Value57 · Δ7d -0.1

Sentiment49 · Δ7d -1.7

So what

Balanced signals (Net Neutral). Wait for confirmation before sizing up.

Lead driver: Value · See fundamentals

Momentum

26% active weight

Current posture

7d trendSoftening

Δ7d

-17.1

Δ21d

+2.0

Value

39% active weight

Current posture

7d trendFlat

Δ7d

-0.1

Δ21d

+1.2

Sentiment

34% active weight

Current posture

7d trendSoftening

Δ7d

-1.7

Δ21d

-2.4

Why this grade

Composite grade C. Momentum 50.9 / Value 57.0 / Sentiment 49.0

Fundamentals (TTM)

As of 2026-07-22

Market Cap

$3.51B

Beta

0.72

Shares Out

121.68M

P/E (TTM)

12.8

P/S (TTM)

3.86

P/FCF (TTM)

18.70

Rev YoY

-1.2%

EPS YoY

+17.9%

Gross Margin

Op Margin

+38.7%

Net Debt

-$167.85M

Current Ratio

0.13

As of 2026-07-21 • Updated nightlySource: Internal modelMethodology