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FHB vs SBCF // REVENUE GROWTH (YOY)

First Hawaiian Inc. (NASDAQ) VS. Seacoast Banking Corporation of Florida (NASDAQ) • 15-METRIC TALLY: FHB 5 — SBCF 2
■ METRIC PARITY
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (FHB VS. SBCF) EMERALD CELL = QUANTITATIVE EDGE
INSTITUTIONAL METRIC FHB SBCF SPREAD (A - B) ADVANTAGE DEDICATED URL
Gross Profit Margin — — — TIE /gross-margins <GO>
Return on Invested Capital (ROIC) 3.00% 5.30% -2.30 SBCF /roic <GO>
EV/EBITDA & P/E Valuation 24.7x — — TIE /valuation <GO>
Free Cash Flow Yield 9.47% 5.85% +3.62 FHB /fcf-yield <GO>
Operating Margin 38.30% — — TIE /operating-margins <GO>
Net Profit Margin 31.40% — — TIE /net-margins <GO>
Revenue Growth (YoY) ACTIVE 8.90% — — TIE /revenue-growth <GO>
Dividend Yield & FCF Payout Safety 4.20% 0.00% +4.20 FHB /dividend-safety <GO>
Altman Z-Score & Debt/Equity — — — TIE /balance-sheet <GO>
Piotroski F-Score Quality 8/9 5/9 +3.00 FHB /piotroski-score <GO>
Options Implied Move & Put/Call Skew — — — TIE /options-implied-move <GO>
RSI-14 & 200D SMA Momentum 54.5 51.3 +3.25 FHB /rsi-technicals <GO>
10Y Yield & FRED Macro Beta 1.12 — — TIE /macro-sensitivity <GO>
Forward P/E Multiple 10.5x 20.6x -10.10 FHB /forward-pe <GO>
Enterprise Scale & Market Cap $3.12B $3.22B -$97.8M SBCF /market-cap <GO>
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
FISCAL YEAR FHB REV SBCF REV FHB GROSS % SBCF GROSS % FHB FCF SBCF FCF
FY 2025 $880.8M $0 — — $295.4M $188.1M
FY 2024 $808.5M $0 — — $281.1M $179.9M
FY 2023 $836.9M $0 — — $217.4M $150.6M
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
FHB // BETA 1.12
SBCF // BETA —