FIRST INTERSTATE BANCSYS-A (FIBK)
US32055Y2019 - Common Stock
FIBK gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 412 industry peers in the Banks industry. FIBK may be in some trouble as it scores bad on both profitability and health. FIBK is not valued too expensively and it also shows a decent growth rate. FIBK also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
FIBK had positive earnings in the past year.
FIBK had a positive operating cash flow in the past year.
FIBK had positive earnings in each of the past 5 years.
FIBK had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
The Return On Assets of FIBK (0.84%) is comparable to the rest of the industry.
The Return On Equity of FIBK (7.98%) is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.84% | ||
| ROE | 7.98% | ||
| ROIC | N/A |
ROA(3y)0.81%
ROA(5y)0.92%
ROE(3y)8.07%
ROE(5y)8.29%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
FIBK has a Profit Margin (25.10%) which is in line with its industry peers.
In the last couple of years the Profit Margin of FIBK has declined.
FIBK does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 25.1% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y0.59%
PM growth 5Y-2.04%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
FIBK does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, FIBK has less shares outstanding
FIBK has more shares outstanding than it did 5 years ago.
FIBK has a worse debt/assets ratio than last year.
2.2 Solvency
FIBK has a debt to FCF ratio of 9.18. This is a negative value and a sign of low solvency as FIBK would need 9.18 years to pay back of all of its debts.
With a Debt to FCF ratio value of 9.18, FIBK is not doing good in the industry: 76.94% of the companies in the same industry are doing better.
A Debt/Equity ratio of 1.14 is on the high side and indicates that FIBK has dependencies on debt financing.
With a Debt to Equity ratio value of 1.14, FIBK is not doing good in the industry: 85.68% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.14 | ||
| Debt/FCF | 9.18 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC10.04%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 38.92% over the past year.
The Earnings Per Share has been decreasing by -3.12% on average over the past years.
FIBK shows a decrease in Revenue. In the last year, the revenue decreased by -7.23%.
The Revenue has been growing by 12.24% on average over the past years. This is quite good.
EPS 1Y (TTM)38.92%
EPS 3Y-2.14%
EPS 5Y-3.12%
EPS growth Q2Q-18.29%
Revenue 1Y (TTM)-7.23%
Revenue growth 3Y16.21%
Revenue growth 5Y12.24%
Revenue growth Q2Q-15.9%
3.2 Future
Based on estimates for the next years, FIBK will show a quite strong growth in Earnings Per Share. The EPS will grow by 13.21% on average per year.
The Revenue is expected to grow by 4.11% on average over the next years.
EPS Next Y-7.58%
EPS Next 2Y4.57%
EPS Next 3Y13.21%
EPS Next 5YN/A
Revenue Next Year-4.59%
Revenue Next 2Y0.98%
Revenue Next 3Y4.11%
Revenue Next 5YN/A
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 10.75 indicates a reasonable valuation of FIBK.
The rest of the industry has a similar Price/Earnings ratio as FIBK.
FIBK's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.28.
With a Price/Forward Earnings ratio of 12.51, FIBK is valued correctly.
Based on the Price/Forward Earnings ratio, FIBK is valued a bit more expensive than the industry average as 65.29% of the companies are valued more cheaply.
FIBK's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 20.88.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.75 | ||
| Fwd PE | 12.51 |
4.2 Price Multiples
67.23% of the companies in the same industry are more expensive than FIBK, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 7.19 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
FIBK's earnings are expected to grow with 13.21% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y4.57%
EPS Next 3Y13.21%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 6.85%, FIBK is a good candidate for dividend investing.
FIBK's Dividend Yield is rather good when compared to the industry average which is at 3.81. FIBK pays more dividend than 95.39% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.41, FIBK pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.85% |
5.2 History
On average, the dividend of FIBK grows each year by 11.09%, which is quite nice.
FIBK has paid a dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)11.09%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
FIBK pays out 75.77% of its income as dividend. This is not a sustainable payout ratio.
FIBK's earnings are growing around the same pace than its dividend. As long as the earnings growth is kept the dividend growth is sustainable.
DP75.77%
EPS Next 2Y4.57%
EPS Next 3Y13.21%
FIRST INTERSTATE BANCSYS-A
NASDAQ:FIBK (5/3/2024, 7:00:00 PM)
After market: 27.64 0 (0%)27.64
-0.25 (-0.9%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap2.87B
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.85% |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
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EPS beat(4)
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EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
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EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
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Min Revenue beat(4)
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Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
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Revenue beat(16)
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PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.75 | ||
| Fwd PE | 12.51 | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.84% | ||
| ROE | 7.98% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | 25.1% | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.14 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)38.92%
EPS 3Y-2.14%
EPS 5Y
EPS growth Q2Q
EPS Next Y-7.58%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)-7.23%
Revenue growth 3Y16.21%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y