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First HawaiianFHB +0.14%81 5-Year Yield-on-Cost % is 3.76 as of Aug. 06, 2026, which is 3% below its 10-year median of 3.89. 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 1,253 Banks companies, First Hawaiian ranks worse than 51.72% on this metric.
First Hawaiian's yield on cost for the quarter that ended in Jun. 2026 was 3.76.
The historical rank and industry rank for First Hawaiian's 5-Year Yield-on-Cost % or its related term are showing as below:
FHB'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 0.58 Med: 3.89 Max: 7.44
Current: 3.76
During the past 12 years, First Hawaiian's highest Yield on Cost was 7.44. The lowest was 0.58. And the median was 3.89.
FHB's 5-Year Yield-on-Cost % is ranked worse than 51.72% of 1253
companies
in the Banks industry
Industry Median: 3.77
vs FHB: 3.76
First Hawaiian (NAS:FHB) 5-Year Yield-on-Cost % Explanation
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
First Hawaiian 5-Year Yield-on-Cost % Related Terms
FHB vs PRK, BKU, MCHB: 5-Year Yield-on-Cost % Comparison
For the Banks - Regional subindustry, First Hawaiian's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, First Hawaiian's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where First Hawaiian's 5-Year Yield-on-Cost % falls into.
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
Therefore, Yield-on-Cost of First Hawaiian is calculated as
First Hawaiian (FHB) has a 5-Year Yield-on-Cost % of 3.76 as of Aug. 06, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on First Hawaiian and its competitors. This is near median its historical median of 3.89. Over the past decade, First Hawaiian's 5-Year Yield-on-Cost % has ranged from 0.58 to 7.44. According to the industry distribution chart, First Hawaiian ranks #648 out of 1253 companies in the Banks industry, placing it in the top 51.7%.
Is First Hawaiian's 5-Year Yield-on-Cost % too high?
First Hawaiian's current 5-Year Yield-on-Cost % of 3.76 is near median its 10-year median of 3.89. Over the past 10 years, this metric has ranged from a low of 0.58 to a high of 7.44. The Banks industry median 5-Year Yield-on-Cost % is 3.77. First Hawaiian's value of 3.76 is 0.3% below this industry median. Based on the distribution chart, First Hawaiian ranks #648 out of 1253 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 5-Year Yield-on-Cost % compare to PRK and BKU?
According to the Banks industry distribution chart, First Hawaiian ranks #648 out of 1253 companies for 5-Year Yield-on-Cost %. This places First Hawaiian in the lower half of its industry. The industry median 5-Year Yield-on-Cost % is 3.77. First Hawaiian's value of 3.76 is 0.3% below this benchmark. Historically, First Hawaiian's own 5-Year Yield-on-Cost % has ranged from 0.58 to 7.44 over the past decade. While the company's 10-year median is 3.89 vs. the industry median of 3.77, First Hawaiian has consistently been below 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 5-Year Yield-on-Cost % for a Banks company?
The median 5-Year Yield-on-Cost % among Banks companies is 3.77, based on 1,253 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. First Hawaiian's current 5-Year Yield-on-Cost % of 3.76 is 0.3% below 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on First Hawaiian and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.77 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First Hawaiian's current 5-Year Yield-on-Cost % is 3.76, which is near median its own 10-year median of 3.89. 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 5-Year Yield-on-Cost % is 3.76, which is near median its 10-year median of 3.89 and 0.3% below the Banks industry median of 3.77. 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 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For First Hawaiian (FHB), the current 5-Year Yield-on-Cost % is 3.76 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:
5-Year Yield-on-Cost %: 3.76 (near median its 10-year median of 3.89)
GF Value™: $27.86 vs. price of $27.81 (0.2% below fair value)
Industry Position: 0.3% below the Banks median (#648 of 1253)
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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5-Year Yield-on-Cost % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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