First Hawaiian vs Provident Financial Services
First Hawaiian and Provident Financial Services are similar in size: $881m and $870m of revenue in their latest fiscal years. Provident Financial Services grew faster (25.3% against 8.9%). Provident Financial Services kept more of each dollar of sales as profit: a net margin of 33.5% against 31.4%.
| Latest fiscal year | First HawaiianFHB, 2025 | Provident Financial ServicesPFS, 2025 |
|---|---|---|
| Revenue | $881m | $870m |
| Revenue growth | 8.9% | 25.3% |
| Net income | $276m | $291m |
| Operating margin | — | — |
| Net margin | 31.4% | 33.5% |
| Return on equity | 10.3% | 10.7% |
| Free cash flow | $303m | $431m |
| Cash | $1.48bn | $209m |
| Total debt | $0 | $1.56bn |
| Debt to equity | — | — |
| Dividend per share | $1.04 | $0.96 |
| Dividend yield | 4.1% | 4.0% |
| Share buybacks | $100m | $0 |
| Employees | 2,000 | — |
| Market value | $3.10bn | $3.03bn |
| Price vs our value range | — | — |
| Moat score | 81 (Strong) | 53 (Moderate) |
| Insider trades, 12 months | 0 buys, 6 sales | 0 buys, 9 sales |