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FIRST INTERSTATE BANCSYS-A (FIBK) Stock Fundamental Analysis

NASDAQ:FIBK - Nasdaq - US32055Y2019 - Common Stock - Currency: USD

28.41  -0.38 (-1.32%)

After market: 28.41 0 (0%)

Fundamental Rating

3

Taking everything into account, FIBK scores 3 out of 10 in our fundamental rating. FIBK was compared to 393 industry peers in the Banks industry. Both the profitability and financial health of FIBK have multiple concerns. FIBK has a decent growth rate and is not valued too expensively. FIBK also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

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3

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.
FIBK Yearly Net Income VS EBIT VS OCF VS FCFFIBK Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M 500M

1.2 Ratios

Looking at the Return On Assets, with a value of 0.77%, FIBK is in line with its industry, outperforming 43.51% of the companies in the same industry.
Looking at the Return On Equity, with a value of 6.48%, FIBK is doing worse than 65.65% of the companies in the same industry.
Industry RankSector Rank
ROA 0.77%
ROE 6.48%
ROIC N/A
ROA(3y)0.75%
ROA(5y)0.83%
ROE(3y)7.13%
ROE(5y)7.86%
ROIC(3y)N/A
ROIC(5y)N/A
FIBK Yearly ROA, ROE, ROICFIBK Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8

1.3 Margins

FIBK has a Profit Margin (21.68%) which is comparable to the rest of the industry.
FIBK's Profit Margin has declined in the last couple of years.
The Operating Margin and Gross Margin are not available for FIBK so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 21.68%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-9.08%
PM growth 5Y-4.23%
GM growth 3YN/A
GM growth 5YN/A
FIBK Yearly Profit, Operating, Gross MarginsFIBK Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

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2

2. Health

2.1 Basic Checks

FIBK does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for FIBK has been increased compared to 1 year ago.
FIBK has more shares outstanding than it did 5 years ago.
FIBK has a better debt/assets ratio than last year.
FIBK Yearly Shares OutstandingFIBK Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M 100M
FIBK Yearly Total Debt VS Total AssetsFIBK Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10B 20B 30B

2.2 Solvency

The Debt to FCF ratio of FIBK is 2.52, which is a good value as it means it would take FIBK, 2.52 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 2.52, FIBK is in line with its industry, outperforming 40.46% of the companies in the same industry.
FIBK has a Debt/Equity ratio of 0.24. This is a healthy value indicating a solid balance between debt and equity.
FIBK's Debt to Equity ratio of 0.24 is on the low side compared to the rest of the industry. FIBK is outperformed by 63.87% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.24
Debt/FCF 2.52
Altman-Z N/A
ROIC/WACCN/A
WACC10.46%
FIBK Yearly LT Debt VS Equity VS FCFFIBK Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
FIBK Yearly Current Assets VS Current LiabilitesFIBK Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B

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4

3. Growth

3.1 Past

The earnings per share for FIBK have decreased by -9.02% in the last year.
Measured over the past years, FIBK shows a decrease in Earnings Per Share. The EPS has been decreasing by -5.07% on average per year.
The Revenue has decreased by -2.54% in the past year.
FIBK shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 9.16% yearly.
EPS 1Y (TTM)-9.02%
EPS 3Y-11.03%
EPS 5Y-5.07%
EPS Q2Q%18.97%
Revenue 1Y (TTM)-2.54%
Revenue growth 3Y16.11%
Revenue growth 5Y9.16%
Sales Q2Q%1.5%

3.2 Future

FIBK is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 11.75% yearly.
Based on estimates for the next years, FIBK will show a small growth in Revenue. The Revenue will grow by 6.03% on average per year.
EPS Next Y8.45%
EPS Next 2Y10.08%
EPS Next 3Y11.75%
EPS Next 5YN/A
Revenue Next Year3.27%
Revenue Next 2Y3.55%
Revenue Next 3Y6.03%
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.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
FIBK Yearly Revenue VS EstimatesFIBK Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 200M 400M 600M 800M 1B
FIBK Yearly EPS VS EstimatesFIBK Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 1 2 3

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4

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 12.80, which indicates a correct valuation of FIBK.
Compared to the rest of the industry, the Price/Earnings ratio of FIBK is on the same level as its industry peers.
FIBK's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.82.
A Price/Forward Earnings ratio of 10.71 indicates a reasonable valuation of FIBK.
The rest of the industry has a similar Price/Forward Earnings ratio as FIBK.
When comparing the Price/Forward Earnings ratio of FIBK to the average of the S&P500 Index (36.21), we can say FIBK is valued rather cheaply.
Industry RankSector Rank
PE 12.8
Fwd PE 10.71
FIBK Price Earnings VS Forward Price EarningsFIBK Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

67.68% of the companies in the same industry are more expensive than FIBK, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 9.15
EV/EBITDA N/A
FIBK Per share dataFIBK EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30

4.3 Compensation for Growth

The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.51
PEG (5Y)N/A
EPS Next 2Y10.08%
EPS Next 3Y11.75%

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7

5. Dividend

5.1 Amount

FIBK has a Yearly Dividend Yield of 6.53%, which is a nice return.
Compared to an average industry Dividend Yield of 3.48, FIBK pays a better dividend. On top of this FIBK pays more dividend than 93.38% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.39, FIBK pays a better dividend.
Industry RankSector Rank
Dividend Yield 6.53%

5.2 History

On average, the dividend of FIBK grows each year by 8.37%, which is quite nice.
FIBK has been paying a dividend for at least 10 years, so it has a reliable track record.
The dividend of FIBK decreased recently.
Dividend Growth(5Y)8.37%
Div Incr Years0
Div Non Decr Years1
FIBK Yearly Dividends per shareFIBK Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.5 1 1.5 2

5.3 Sustainability

89.58% of the earnings are spent on dividend by FIBK. This is not a sustainable payout ratio.
The dividend of FIBK is growing, but earnings are growing more, so the dividend growth is sustainable.
DP89.58%
EPS Next 2Y10.08%
EPS Next 3Y11.75%
FIBK Yearly Income VS Free CF VS DividendFIBK Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M 500M
FIBK Dividend Payout.FIBK Dividend Payout, showing the Payout Ratio.FIBK Dividend Payout.PayoutRetained Earnings

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FIRST INTERSTATE BANCSYS-A

NASDAQ:FIBK (8/1/2025, 8:00:00 PM)

After market: 28.41 0 (0%)

28.41

-0.38 (-1.32%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)07-29 2025-07-29/amc
Earnings (Next)10-20 2025-10-20/amc
Inst Owners84.08%
Inst Owner Change-0.42%
Ins Owners7.74%
Ins Owner Change7.5%
Market Cap2.98B
Analysts74.29
Price Target32.26 (13.55%)
Short Float %4.06%
Short Ratio4.02
Dividend
Industry RankSector Rank
Dividend Yield 6.53%
Yearly Dividend1.88
Dividend Growth(5Y)8.37%
DP89.58%
Div Incr Years0
Div Non Decr Years1
Ex-Date08-11 2025-08-11 (0.47)
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-2.51%
Min EPS beat(2)-13.4%
Max EPS beat(2)8.39%
EPS beat(4)2
Avg EPS beat(4)-2.48%
Min EPS beat(4)-13.4%
Max EPS beat(4)8.39%
EPS beat(8)4
Avg EPS beat(8)0.39%
EPS beat(12)4
Avg EPS beat(12)-6.93%
EPS beat(16)6
Avg EPS beat(16)-5.64%
Revenue beat(2)1
Avg Revenue beat(2)-1.06%
Min Revenue beat(2)-4%
Max Revenue beat(2)1.88%
Revenue beat(4)1
Avg Revenue beat(4)-2.55%
Min Revenue beat(4)-6.09%
Max Revenue beat(4)1.88%
Revenue beat(8)1
Avg Revenue beat(8)-2.72%
Revenue beat(12)2
Avg Revenue beat(12)-3.45%
Revenue beat(16)3
Avg Revenue beat(16)-2.88%
PT rev (1m)4.98%
PT rev (3m)-1.94%
EPS NQ rev (1m)0.52%
EPS NQ rev (3m)-4.22%
EPS NY rev (1m)-0.28%
EPS NY rev (3m)-5.54%
Revenue NQ rev (1m)-0.05%
Revenue NQ rev (3m)-2.34%
Revenue NY rev (1m)-0.1%
Revenue NY rev (3m)-2.43%
Valuation
Industry RankSector Rank
PE 12.8
Fwd PE 10.71
P/S 2.97
P/FCF 9.15
P/OCF 8.61
P/B 0.89
P/tB 1.37
EV/EBITDA N/A
EPS(TTM)2.22
EY7.81%
EPS(NY)2.65
Fwd EY9.34%
FCF(TTM)3.1
FCFY10.93%
OCF(TTM)3.3
OCFY11.61%
SpS9.58
BVpS32.05
TBVpS20.71
PEG (NY)1.51
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.77%
ROE 6.48%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 21.68%
GM N/A
FCFM 32.4%
ROA(3y)0.75%
ROA(5y)0.83%
ROE(3y)7.13%
ROE(5y)7.86%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-9.08%
PM growth 5Y-4.23%
GM growth 3YN/A
GM growth 5YN/A
F-ScoreN/A
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.24
Debt/FCF 2.52
Debt/EBITDA N/A
Cap/Depr 39.53%
Cap/Sales 2.03%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 149.45%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-ScoreN/A
WACC10.46%
ROIC/WACCN/A
Cap/Depr(3y)37.23%
Cap/Depr(5y)40.37%
Cap/Sales(3y)2%
Cap/Sales(5y)2.45%
Profit Quality(3y)187.09%
Profit Quality(5y)170.11%
High Growth Momentum
Growth
EPS 1Y (TTM)-9.02%
EPS 3Y-11.03%
EPS 5Y-5.07%
EPS Q2Q%18.97%
EPS Next Y8.45%
EPS Next 2Y10.08%
EPS Next 3Y11.75%
EPS Next 5YN/A
Revenue 1Y (TTM)-2.54%
Revenue growth 3Y16.11%
Revenue growth 5Y9.16%
Sales Q2Q%1.5%
Revenue Next Year3.27%
Revenue Next 2Y3.55%
Revenue Next 3Y6.03%
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-37.31%
FCF growth 3Y6.87%
FCF growth 5Y24.57%
OCF growth 1Y-34.39%
OCF growth 3Y7.94%
OCF growth 5Y22.77%