35.17 USD
-0.3 (-0.85%)
Overall FIBK gets a fundamental rating of 3 out of 10. We evaluated FIBK against 387 industry peers in the Banks industry. FIBK may be in some trouble as it scores bad on both profitability and health. FIBK is quite expensive at the moment. It does show a decent growth rate. FIBK also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
In the past year FIBK was profitable.
In the past year FIBK had a positive cash flow from operations.
In the past 5 years FIBK has always been profitable.
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 50.39% of its industry peers.
Looking at the Return On Equity, with a value of 7.12%, FIBK is doing worse than 65.12% of the companies in the same industry.
| 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
With a Profit Margin value of 24.37%, FIBK perfoms like the industry average, outperforming 50.39% of the companies in the same industry.
FIBK's Profit Margin has declined in the last couple of years.
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) | 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.
Compared to 1 year ago, FIBK has more shares outstanding
The number of shares outstanding for FIBK has been increased compared to 5 years ago.
FIBK has a better debt/assets ratio than last year.
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.
With a Debt to FCF ratio value of 2.58, FIBK perfoms like the industry average, outperforming 41.34% of the companies in the same industry.
FIBK has a Debt/Equity ratio of 0.23. This is a healthy value indicating a solid balance between debt and equity.
FIBK's Debt to Equity ratio of 0.23 is on the low side compared to the rest of the industry. FIBK is outperformed by 62.02% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.23 | ||
| Debt/FCF | 2.58 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC10.77%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
FIBK shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 3.95%.
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.
FIBK shows a decrease in Revenue. In the last year, the revenue decreased by -2.54%.
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
Based on estimates for the next years, FIBK will show a quite strong growth in Earnings Per Share. The EPS will grow by 10.90% on average per year.
FIBK is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 2.45% yearly.
EPS Next Y16.85%
EPS Next 2Y11.1%
EPS Next 3Y10.9%
EPS Next 5YN/A
Revenue Next Year0.79%
Revenue Next 2Y1.23%
Revenue Next 3Y2.45%
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 14.84 indicates a correct valuation of FIBK.
FIBK's Price/Earnings ratio is a bit more expensive when compared to the industry. FIBK is more expensive than 65.63% of the companies in the same industry.
FIBK's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 26.76.
The Price/Forward Earnings ratio is 13.01, which indicates a correct valuation of FIBK.
Based on the Price/Forward Earnings ratio, FIBK is valued a bit more expensive than the industry average as 67.96% of the companies are valued more cheaply.
When comparing the Price/Forward Earnings ratio of FIBK to the average of the S&P500 Index (23.96), we can say FIBK is valued slightly cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.84 | ||
| Fwd PE | 13.01 |
4.2 Price Multiples
FIBK's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 11.77 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.88
PEG (5Y)N/A
EPS Next 2Y11.1%
EPS Next 3Y10.9%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 5.58%, FIBK is a good candidate for dividend investing.
FIBK's Dividend Yield is rather good when compared to the industry average which is at 3.11. FIBK pays more dividend than 93.80% of the companies in the same industry.
FIBK's Dividend Yield is rather good when compared to the S&P500 average which is at 2.31.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.58% |
5.2 History
The dividend of FIBK is nicely growing with an annual growth rate of 8.37%!
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
5.3 Sustainability
FIBK pays out 79.54% of its income as dividend. This is not a sustainable payout ratio.
The dividend of FIBK is growing, but earnings are growing more, so the dividend growth is sustainable.
DP79.54%
EPS Next 2Y11.1%
EPS Next 3Y10.9%
NASDAQ:FIBK (12/12/2025, 12:27:03 PM)
35.17
-0.3 (-0.85%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners89.18%
Inst Owner Change2.85%
Ins Owners7.9%
Ins Owner Change-0.57%
Market Cap3.62B
Revenue(TTM)1.01B
Net Income(TTM)245.40M
Analysts75.71
Price Target36.21 (2.96%)
Short Float %5.8%
Short Ratio3.86
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.58% |
Yearly Dividend1.88
Dividend Growth(5Y)8.37%
DP79.54%
Div Incr Years0
Div Non Decr Years1
Ex-Date
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)3.27%
PT rev (3m)10.08%
EPS NQ rev (1m)0.66%
EPS NQ rev (3m)3.43%
EPS NY rev (1m)-1.36%
EPS NY rev (3m)4.23%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-3.08%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-1.07%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.84 | ||
| Fwd PE | 13.01 | ||
| P/S | 3.59 | ||
| P/FCF | 11.77 | ||
| P/OCF | 10.85 | ||
| P/B | 1.05 | ||
| P/tB | 1.6 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.37
EY6.74%
EPS(NY)2.7
Fwd EY7.69%
FCF(TTM)2.99
FCFY8.49%
OCF(TTM)3.24
OCFY9.22%
SpS9.79
BVpS33.52
TBVpS22.04
PEG (NY)0.88
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
WACC10.77%
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 Y16.85%
EPS Next 2Y11.1%
EPS Next 3Y10.9%
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 2Y1.23%
Revenue Next 3Y2.45%
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.
What is the valuation status of FIRST INTERSTATE BANCSYS-A (FIBK) stock?
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.
What are the PE and PB ratios of FIRST INTERSTATE BANCSYS-A (FIBK) stock?
The Price/Earnings (PE) ratio for FIRST INTERSTATE BANCSYS-A (FIBK) is 14.84 and the Price/Book (PB) ratio is 1.05.
What is the financial health of FIRST INTERSTATE BANCSYS-A (FIBK) stock?
The financial health rating of FIRST INTERSTATE BANCSYS-A (FIBK) is 2 / 10.