38.05 USD
+1.94 (+5.37%)
38.05 USD
0 (0%)
Taking everything into account, FIBK scores 3 out of 10 in our fundamental rating. FIBK was compared to 383 industry peers in the Banks industry. FIBK may be in some trouble as it scores bad on both profitability and health. While showing a medium growth rate, FIBK is valued expensive at the moment. FIBK also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
- In the past year FIBK was profitable.
- 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
- FIBK has a Return On Assets of 0.90%. This is comparable to the rest of the industry: FIBK outperforms 49.61% of its industry peers.
- FIBK has a Return On Equity of 7.12%. This is in the lower half of the industry: FIBK underperforms 65.27% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.9% | ||
| ROE | 7.12% | ||
| 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
1.3 Margins
- FIBK has a Profit Margin (24.37%) which is in line with its industry peers.
- 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 Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 24.37% | ||
| 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
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.
- Compared to 1 year ago, FIBK has an improved debt to assets ratio.
2.2 Solvency
- FIBK has a debt to FCF ratio of 2.58. This is a good value and a sign of high solvency as FIBK would need 2.58 years to pay back of all of its debts.
- Looking at the Debt to FCF ratio, with a value of 2.58, FIBK is in line with its industry, outperforming 40.73% of the companies in the same industry.
- A Debt/Equity ratio of 0.23 indicates that FIBK is not too dependend on debt financing.
- With a Debt to Equity ratio value of 0.23, FIBK is not doing good in the industry: 61.36% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.23 | ||
| Debt/FCF | 2.58 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC10.65%
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 been growing slightly by 3.95% over the past 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.
- Looking at the last year, FIBK shows a decrease in Revenue. The Revenue has decreased by -2.54% in the last 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)3.95%
EPS 3Y-11.03%
EPS 5Y-5.07%
EPS Q2Q%27.78%
Revenue 1Y (TTM)-2.54%
Revenue growth 3Y16.11%
Revenue growth 5Y9.16%
Sales Q2Q%4.33%
3.2 Future
- The Earnings Per Share is expected to grow by 11.26% 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 2.86% yearly.
EPS Next Y18.66%
EPS Next 2Y9.97%
EPS Next 3Y11.26%
EPS Next 5YN/A
Revenue Next Year0.79%
Revenue Next 2Y0.99%
Revenue Next 3Y2.86%
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.
4. Valuation
4.1 Price/Earnings Ratio
- Based on the Price/Earnings ratio of 16.05, the valuation of FIBK can be described as correct.
- Based on the Price/Earnings ratio, FIBK is valued a bit more expensive than the industry average as 68.67% of the companies are valued more cheaply.
- When comparing the Price/Earnings ratio of FIBK to the average of the S&P500 Index (27.32), we can say FIBK is valued slightly cheaper.
- The Price/Forward Earnings ratio is 14.37, which indicates a correct valuation of FIBK.
- Based on the Price/Forward Earnings ratio, FIBK is valued a bit more expensive than 71.80% of the companies in the same industry.
- FIBK's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 24.30.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.05 | ||
| Fwd PE | 14.37 |
4.2 Price Multiples
- FIBK's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 12.74 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- FIBK's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.86
PEG (5Y)N/A
EPS Next 2Y9.97%
EPS Next 3Y11.26%
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 5.04%, FIBK is a good candidate for dividend investing.
- FIBK's Dividend Yield is rather good when compared to the industry average which is at 2.91. FIBK pays more dividend than 87.99% of the companies in the same industry.
- FIBK's Dividend Yield is rather good when compared to the S&P500 average which is at 1.86.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.04% |
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.
- FIBK has decreased its dividend recently.
Dividend Growth(5Y)8.37%
Div Incr Years0
Div Non Decr Years1
5.3 Sustainability
- FIBK pays out 79.54% of its income as dividend. This is not a sustainable payout ratio.
- FIBK's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP79.54%
EPS Next 2Y9.97%
EPS Next 3Y11.26%
38.05
+1.94 (+5.37%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-29 2025-10-29/amc
Earnings (Next)01-28 2026-01-28/amc
Inst Owners89.07%
Inst Owner Change0.03%
Ins Owners7.9%
Ins Owner Change-0.56%
Market Cap3.91B
Revenue(TTM)1.01B
Net Income(TTM)245.40M
Analysts75.71
Price Target37.49 (-1.47%)
Short Float %7.78%
Short Ratio4.59
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.04% |
Yearly Dividend1.88
Dividend Growth(5Y)8.37%
DP79.54%
Div Incr Years0
Div Non Decr Years1
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)13.38%
Min EPS beat(2)9.93%
Max EPS beat(2)16.83%
EPS beat(4)3
Avg EPS beat(4)5.44%
Min EPS beat(4)-13.4%
Max EPS beat(4)16.83%
EPS beat(8)5
Avg EPS beat(8)3.04%
EPS beat(12)6
Avg EPS beat(12)-2.13%
EPS beat(16)7
Avg EPS beat(16)-3.58%
Revenue beat(2)0
Avg Revenue beat(2)-3.48%
Min Revenue beat(2)-3.49%
Max Revenue beat(2)-3.47%
Revenue beat(4)1
Avg Revenue beat(4)-2.27%
Min Revenue beat(4)-4%
Max Revenue beat(4)1.88%
Revenue beat(8)1
Avg Revenue beat(8)-2.52%
Revenue beat(12)1
Avg Revenue beat(12)-3.97%
Revenue beat(16)2
Avg Revenue beat(16)-3.25%
PT rev (1m)3.52%
PT rev (3m)12.64%
EPS NQ rev (1m)-0.13%
EPS NQ rev (3m)-4.68%
EPS NY rev (1m)1.55%
EPS NY rev (3m)5%
Revenue NQ rev (1m)-0.07%
Revenue NQ rev (3m)-3.09%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-1.07%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.05 | ||
| Fwd PE | 14.37 | ||
| P/S | 3.89 | ||
| P/FCF | 12.74 | ||
| P/OCF | 11.74 | ||
| P/B | 1.14 | ||
| P/tB | 1.73 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.37
EY6.23%
EPS(NY)2.65
Fwd EY6.96%
FCF(TTM)2.99
FCFY7.85%
OCF(TTM)3.24
OCFY8.52%
SpS9.79
BVpS33.52
TBVpS22.04
PEG (NY)0.86
PEG (5Y)N/A
Graham Number42.28
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.9% | ||
| ROE | 7.12% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 24.37% | ||
| GM | N/A | ||
| FCFM | 30.52% |
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
ROICexgc growth 3YN/A
ROICexgc 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 Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.23 | ||
| Debt/FCF | 2.58 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 50.19% | ||
| Cap/Sales | 2.59% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 125.27% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score7
WACC10.65%
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)3.95%
EPS 3Y-11.03%
EPS 5Y-5.07%
EPS Q2Q%27.78%
EPS Next Y18.66%
EPS Next 2Y9.97%
EPS Next 3Y11.26%
EPS Next 5YN/A
Revenue 1Y (TTM)-2.54%
Revenue growth 3Y16.11%
Revenue growth 5Y9.16%
Sales Q2Q%4.33%
Revenue Next Year0.79%
Revenue Next 2Y0.99%
Revenue Next 3Y2.86%
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-31.96%
FCF growth 3Y6.87%
FCF growth 5Y24.57%
OCF growth 1Y-26.62%
OCF growth 3Y7.94%
OCF growth 5Y22.77%
FIRST INTERSTATE BANCSYS-A / FIBK FAQ
Can you provide the ChartMill fundamental rating for FIRST INTERSTATE BANCSYS-A?
ChartMill assigns a fundamental rating of 3 / 10 to FIBK.
Can you provide the valuation status for FIRST INTERSTATE BANCSYS-A?
ChartMill assigns a valuation rating of 3 / 10 to FIRST INTERSTATE BANCSYS-A (FIBK). This can be considered as Overvalued.
How profitable is FIRST INTERSTATE BANCSYS-A (FIBK) stock?
FIRST INTERSTATE BANCSYS-A (FIBK) has a profitability rating of 3 / 10.
Can you provide the financial health for FIBK stock?
The financial health rating of FIRST INTERSTATE BANCSYS-A (FIBK) is 2 / 10.
What is the earnings growth outlook for FIRST INTERSTATE BANCSYS-A?
The Earnings per Share (EPS) of FIRST INTERSTATE BANCSYS-A (FIBK) is expected to grow by 18.66% in the next year.