FHB (First Hawaiian) Moat Score: 5/10 (As of Aug. 06, 2026)

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FHB First Hawaiian Inc FHB
81 GF Score
Price $27.63
GF Value $27.86
Valuation Fairly Valued
! 3 Warning Signs
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What is First Hawaiian Moat Score?

First Hawaiian FHB -0.50% 81 Moat Score is 5 as of Aug. 06, 2026. 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 1,609 Banks companies, First Hawaiian ranks better than 94.03% on this metric.

First Hawaiian has the Moat Score of 5, which implies that the company might have Narrow Moat - Solid narrow moat.

First Hawaiian has Narrow Moat: First Hawaiian Inc has a solid narrow moat due to its strong brand and customer loyalty in the Hawaiian banking market. However, it faces competition and lacks significant pricing power, limiting its moat strength.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes First Hawaiian might have Narrow Moat - Solid narrow moat.

First Hawaiian  (NAS:FHB) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

First Hawaiian Moat Score Related Terms

FHB vs PRK, BKU, MCHB: Moat Score Comparison

For the Banks - Regional subindustry, First Hawaiian's Moat Score, along with its competitors' market caps and Moat Score 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 Moat Score vs Banks Industry

For the Banks industry and Financial Services sector, First Hawaiian's Moat Score distribution charts can be found below:

* The bar in red indicates where First Hawaiian's Moat Score falls into.


FHB
81GF Score
First Hawaiian Inc FHB
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 5 mean?
First Hawaiian (FHB) has a Moat Score of 5 as of Aug. 06, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, First Hawaiian ranks #96 out of 1609 companies in the Banks industry, placing it in the top 6%.
Is First Hawaiian's Moat Score too high?
First Hawaiian's current Moat Score is 5. Based on the distribution chart, First Hawaiian ranks #96 out of 1609 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. 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 Moat Score compare to PRK and BKU?
According to the Banks industry distribution chart, First Hawaiian ranks #96 out of 1609 companies for Moat Score. This places First Hawaiian in the top 6% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. First Hawaiian's current Moat Score is 5. 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 $27.63 — trading 0.8% below its estimated fair value. The current Moat Score is 5. 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 Moat Score calculated?
Moat Score is calculated from a company's financial statements. For First Hawaiian (FHB), the current Moat Score is 5 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 $27.63 is trading 0.8% below its estimated GF Value™ of $27.86. GuruFocus considers First Hawaiian to be Fairly Valued.

Key valuation signals for FHB:

  • Moat Score: 5
  • GF Value™: $27.86 vs. price of $27.63 (0.8% below fair value)
  • GF Score™: 81/100 with 3 warning signs

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 Business Description

Other Exchanges 1HI:Germany
Address 999 Bishop Street, 29th Floor, Honolulu, HI, USA, 96813
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

Get the complete analysis for FHB

Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$27.63
Price
$27.86
GF Value