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FIRST INTERSTATE BANCSYS-A (FIBK) Stock Fundamental Analysis

NASDAQ:FIBK - US32055Y2019 - Common Stock

32.2 USD
+0.27 (+0.85%)
Last: 8/27/2025, 8:00:01 PM
32.2 USD
0 (0%)
After Hours: 8/27/2025, 8:00:01 PM
Fundamental Rating

3

FIBK gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 393 industry peers in the Banks industry. Both the profitability and financial health of FIBK have multiple concerns. While showing a medium growth rate, FIBK is valued expensive at the moment.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

FIBK had positive earnings in the past year.
In the past year FIBK had a positive cash flow from operations.
FIBK had positive earnings in each of the past 5 years.
In the past 5 years FIBK always reported a positive cash flow from operatings.
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

FIBK's Return On Assets of 0.83% is in line compared to the rest of the industry. FIBK outperforms 49.11% of its industry peers.
FIBK has a worse Return On Equity (6.71%) than 66.92% of its industry peers.
Industry RankSector Rank
ROA 0.83%
ROE 6.71%
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

The Profit Margin of FIBK (22.76%) is comparable to the rest of the industry.
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 RankSector Rank
OM N/A
PM (TTM) 22.76%
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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1

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.
The number of shares outstanding for FIBK has been increased compared to 5 years ago.
The debt/assets ratio for FIBK has been reduced compared to a year ago.
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 3.03, which is a good value as it means it would take FIBK, 3.03 years of fcf income to pay off all of its debts.
FIBK has a Debt to FCF ratio of 3.03. This is in the lower half of the industry: FIBK underperforms 61.32% of its industry peers.
FIBK has a Debt/Equity ratio of 0.27. This is a healthy value indicating a solid balance between debt and equity.
FIBK's Debt to Equity ratio of 0.27 is on the low side compared to the rest of the industry. FIBK is outperformed by 66.67% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.27
Debt/FCF 3.03
Altman-Z N/A
ROIC/WACCN/A
WACC11.03%
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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3. Growth

3.1 Past

FIBK shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -9.02%.
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.
Looking at the last year, FIBK shows a decrease in Revenue. The Revenue has decreased by -2.54% in the last year.
Measured over the past years, FIBK shows a quite strong growth in Revenue. The Revenue has been growing by 9.16% on average per year.
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

The Earnings Per Share is expected to grow by 10.03% on average over the next years. This is quite good.
FIBK is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 2.79% yearly.
EPS Next Y12.1%
EPS Next 2Y10.42%
EPS Next 3Y10.03%
EPS Next 5YN/A
Revenue Next Year1.88%
Revenue Next 2Y2.78%
Revenue Next 3Y2.79%
Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
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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3

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 14.50, FIBK is valued correctly.
Based on the Price/Earnings ratio, FIBK is valued a bit more expensive than 63.36% of the companies in the same industry.
When comparing the Price/Earnings ratio of FIBK to the average of the S&P500 Index (27.14), we can say FIBK is valued slightly cheaper.
With a Price/Forward Earnings ratio of 12.06, FIBK is valued correctly.
FIBK's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. FIBK is more expensive than 64.12% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of FIBK to the average of the S&P500 Index (22.80), we can say FIBK is valued slightly cheaper.
Industry RankSector Rank
PE 14.5
Fwd PE 12.06
FIBK Price Earnings VS Forward Price EarningsFIBK Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Compared to the rest of the industry, the Price/Free Cash Flow ratio of FIBK indicates a somewhat cheap valuation: FIBK is cheaper than 61.07% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 11.05
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)1.2
PEG (5Y)N/A
EPS Next 2Y10.42%
EPS Next 3Y10.03%

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6

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 6.26%, FIBK is a good candidate for dividend investing.
FIBK's Dividend Yield is rather good when compared to the industry average which is at 3.30. FIBK pays more dividend than 94.15% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.34, FIBK pays a better dividend.
Industry RankSector Rank
Dividend Yield 6.26%

5.2 History

On average, the dividend of FIBK grows each year by 8.37%, which is quite nice.
FIBK has paid a dividend for at least 10 years, which is a reliable track record.
FIBK has decreased its dividend 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

85.05% of the earnings are spent on dividend by FIBK. 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.
DP85.05%
EPS Next 2Y10.42%
EPS Next 3Y10.03%
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 (8/27/2025, 8:00:01 PM)

After market: 32.2 0 (0%)

32.2

+0.27 (+0.85%)

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 Owners84.1%
Inst Owner Change0.32%
Ins Owners7.74%
Ins Owner Change6.67%
Market Cap3.38B
Analysts75.71
Price Target32.9 (2.17%)
Short Float %3.3%
Short Ratio3.16
Dividend
Industry RankSector Rank
Dividend Yield 6.26%
Yearly Dividend1.88
Dividend Growth(5Y)8.37%
DP85.05%
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)1.72%
Min EPS beat(2)-13.4%
Max EPS beat(2)16.83%
EPS beat(4)2
Avg EPS beat(4)0.72%
Min EPS beat(4)-13.4%
Max EPS beat(4)16.83%
EPS beat(8)5
Avg EPS beat(8)3.19%
EPS beat(12)5
Avg EPS beat(12)-4.06%
EPS beat(16)7
Avg EPS beat(16)-4.18%
Revenue beat(2)0
Avg Revenue beat(2)-3.74%
Min Revenue beat(2)-4%
Max Revenue beat(2)-3.47%
Revenue beat(4)1
Avg Revenue beat(4)-2.92%
Min Revenue beat(4)-6.09%
Max Revenue beat(4)1.88%
Revenue beat(8)1
Avg Revenue beat(8)-2.49%
Revenue beat(12)1
Avg Revenue beat(12)-4.05%
Revenue beat(16)3
Avg Revenue beat(16)-2.84%
PT rev (1m)1.98%
PT rev (3m)6.61%
EPS NQ rev (1m)1.17%
EPS NQ rev (3m)-4.47%
EPS NY rev (1m)3.37%
EPS NY rev (3m)3.08%
Revenue NQ rev (1m)-2.06%
Revenue NQ rev (3m)-4.11%
Revenue NY rev (1m)-1.44%
Revenue NY rev (3m)-1.53%
Valuation
Industry RankSector Rank
PE 14.5
Fwd PE 12.06
P/S 3.35
P/FCF 11.05
P/OCF 10.18
P/B 0.99
P/tB 1.51
EV/EBITDA N/A
EPS(TTM)2.22
EY6.89%
EPS(NY)2.67
Fwd EY8.29%
FCF(TTM)2.91
FCFY9.05%
OCF(TTM)3.16
OCFY9.82%
SpS9.62
BVpS32.63
TBVpS21.33
PEG (NY)1.2
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.83%
ROE 6.71%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 22.76%
GM N/A
FCFM 30.29%
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-Score7
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.27
Debt/FCF 3.03
Debt/EBITDA N/A
Cap/Depr 51.37%
Cap/Sales 2.6%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 133.12%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC11.03%
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 Y12.1%
EPS Next 2Y10.42%
EPS Next 3Y10.03%
EPS Next 5YN/A
Revenue 1Y (TTM)-2.54%
Revenue growth 3Y16.11%
Revenue growth 5Y9.16%
Sales Q2Q%1.5%
Revenue Next Year1.88%
Revenue Next 2Y2.78%
Revenue Next 3Y2.79%
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-37.22%
FCF growth 3Y6.87%
FCF growth 5Y24.57%
OCF growth 1Y-32.96%
OCF growth 3Y7.94%
OCF growth 5Y22.77%