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First HawaiianFHB +0.14%81 EV-to-OCF is 7.08 as of Aug. 06, 2026, which is 6% below its 10-year median of 7.52. GuruFocus rates FHB with a GF Score™ of 81/100 and a GF Value™ of $27.86 (Fairly Valued). The stock has 3 warning signs investors should review. Among 1,500 Banks companies, First Hawaiian ranks worse than 60.67% on this metric.
EV-to-OCF is calculated as enterprise value divided by its cash flow from operations. As of today, First Hawaiian's Enterprise Value is $2,371.4 Mil.
First Hawaiian's Cash Flow from Operations for the trailing twelve months (TTM) ended in Jun. 2026 was $334.9 Mil. Therefore, First Hawaiian's EV-to-OCF for today is 7.08.
The historical rank and industry rank for First Hawaiian's EV-to-OCF or its related term are showing as below:
FHB'
s EV-to-OCF Range Over the Past 10 Years
Min: 0.88 Med: 7.52 Max: 22.24
Current: 7.08
During the past 12 years, the highest EV-to-OCF of First Hawaiian was 22.24. The lowest was 0.88. And the median was 7.52.
FHB's EV-to-OCF is ranked worse than 60.67% of 1500
companies
in the Banks industry
Industry Median: 3.985
vs FHB: 7.08
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
First Hawaiian's PE Ratio (TTM) for today is calculated as:
First Hawaiian's share price for today is $27.81.
First Hawaiian's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $2.300.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Cash Flow from Operations is an important financial metric because it represents the cash generated from operating activities at a company's disposal. Companies with a low EV-to-OCF ratio, combined with a strong balance sheet are generally considered as undervalued.
First Hawaiian EV-to-OCF Related Terms
First Hawaiian EV-to-OCF Historical Data
* Premium members only.
The historical data trend for First Hawaiian's EV-to-OCF can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Banks - Regional subindustry, First Hawaiian's EV-to-OCF, along with its competitors' market caps and EV-to-OCF data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
First Hawaiian EV-to-OCF vs Banks Industry
For the Banks industry and Financial Services sector, First Hawaiian's EV-to-OCF distribution charts can be found below:
* The bar in red indicates where First Hawaiian's EV-to-OCF falls into.
First Hawaiian's current Enterprise Value is $2,371.4 Mil.
First Hawaiian's Cash Flow from Operations for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $334.9 Mil.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
First Hawaiian (FHB) has a EV-to-OCF of 7.08 as of Aug. 06, 2026. This is near median its historical median of 7.52. Over the past decade, First Hawaiian's EV-to-OCF has ranged from 0.88 to 22.24. According to the industry distribution chart, First Hawaiian ranks #910 out of 1500 companies in the Banks industry, placing it in the top 60.7%.
Is First Hawaiian's EV-to-OCF too high?
First Hawaiian's current EV-to-OCF of 7.08 is near median its 10-year median of 7.52. Over the past 10 years, this metric has ranged from a low of 0.88 to a high of 22.24. The Banks industry median EV-to-OCF is 3.99. First Hawaiian's value of 7.08 is 77.7% above this industry median. Based on the distribution chart, First Hawaiian ranks #910 out of 1500 companies in the Banks industry, which is below the industry midpoint. Overall, First Hawaiian has a GF Score™ of 81/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does First Hawaiian's EV-to-OCF compare to PRK and BKU?
According to the Banks industry distribution chart, First Hawaiian ranks #910 out of 1500 companies for EV-to-OCF. This places First Hawaiian in the lower half of its industry. The industry median EV-to-OCF is 3.99. First Hawaiian's value of 7.08 is 77.7% above this benchmark. Historically, First Hawaiian's own EV-to-OCF has ranged from 0.88 to 22.24 over the past decade. While the company's 10-year median is 7.52 vs. the industry median of 3.99, First Hawaiian has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-OCF for a Banks company?
The median EV-to-OCF among Banks companies is 3.99, based on 1,500 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-OCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-OCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. First Hawaiian's current EV-to-OCF of 7.08 is 77.7% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EV-to-OCF mean?
A high EV-to-OCF can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median EV-to-OCF is 3.99 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First Hawaiian's current EV-to-OCF is 7.08, which is near median its own 10-year median of 7.52. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is First Hawaiian stock overvalued right now?
Based on GuruFocus' analysis, First Hawaiian (FHB) is currently considered Fairly Valued. The stock's GF Value™ is $27.86, compared to a current price of $27.81 — trading 0.2% below its estimated fair value. The current EV-to-OCF is 7.08, which is near median its 10-year median of 7.52 and 77.7% above the Banks industry median of 3.99. First Hawaiian's overall GF Score™ is 81/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-OCF calculated?
EV-to-OCF is calculated from a company's financial statements. For First Hawaiian (FHB), the current EV-to-OCF is 7.08 as of Aug. 06, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is First Hawaiian (FHB) Overvalued in 2026?
Based on GuruFocus' analysis, First Hawaiian stock appears to be undervalued.
The current stock price of $27.81 is trading 0.2% below its estimated GF Value™ of $27.86.
GuruFocus considers First Hawaiian to be Fairly Valued.
Key valuation signals for FHB:
EV-to-OCF: 7.08 (near median its 10-year median of 7.52)
GF Value™: $27.86 vs. price of $27.81 (0.2% below fair value)
Industry Position: 77.7% above the Banks median (#910 of 1500)
No single metric tells the full story. See the FHB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
First Hawaiian Inc is a bank holding company. It provides a diversified range of banking services to consumer and commercial customers, including deposit products, lending services, and wealth management and trust services. The company offers a variety of deposit products to its customers, including checking and savings accounts and other types of deposit accounts. It provides commercial and industrial lending, including auto dealer flooring, commercial real estate, and construction lending. It also offers comprehensive consumer lending services focused on residential real estate lending, indirect auto financing, and other consumer loans. The company's segments are Retail Banking, Commercial Banking, and Treasury, and others of which key revenue is derived from Retail Banking.
81GF Score
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