FIRST INTERSTATE BANCSYS-A (FIBK) Stock Fundamental Analysis
USA - NASDAQ:FIBK - US32055Y2019 - Common Stock
30.39 USD
+0.41 (+1.37%)
Taking everything into account, FIBK scores 3 out of 10 in our fundamental rating. FIBK was compared to 388 industry peers in the Banks industry. FIBK may be in some trouble as it scores bad on both profitability and health. FIBK has a decent growth rate and is not valued too expensively. 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.
Each year in the past 5 years FIBK has been profitable.
Each year in the past 5 years FIBK had a positive operating cash flow.
1.2 Ratios
FIBK has a Return On Assets of 0.90%. This is comparable to the rest of the industry: FIBK outperforms 51.80% of its industry peers.
The Return On Equity of FIBK (7.12%) is worse than 64.18% 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
The Profit Margin of FIBK (24.37%) is comparable to the rest of the 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.
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.
2.2 Solvency
The Debt to FCF ratio of FIBK is 2.58, which is a good value as it means it would take FIBK, 2.58 years of fcf income to pay off all of its debts.
FIBK has a Debt to FCF ratio (2.58) which is comparable to the rest of the industry.
FIBK has a Debt/Equity ratio of 0.23. This is a healthy value indicating a solid balance between debt and equity.
FIBK has a worse Debt to Equity ratio (0.23) than 62.63% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.23 | ||
| Debt/FCF | 2.58 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC10.92%
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.
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)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 10.10% on average per year.
Based on estimates for the next years, FIBK will show a small growth in Revenue. The Revenue will grow by 2.48% on average per year.
EPS Next Y16.21%
EPS Next 2Y10.11%
EPS Next 3Y10.1%
EPS Next 5YN/A
Revenue Next Year0.99%
Revenue Next 2Y1.72%
Revenue Next 3Y2.48%
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.
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
The Price/Earnings ratio is 12.82, which indicates a correct valuation of FIBK.
61.08% of the companies in the same industry are cheaper than FIBK, based on the Price/Earnings ratio.
When comparing the Price/Earnings ratio of FIBK to the average of the S&P500 Index (25.46), we can say FIBK is valued slightly cheaper.
A Price/Forward Earnings ratio of 11.45 indicates a reasonable valuation of FIBK.
Based on the Price/Forward Earnings ratio, FIBK is valued a bit more expensive than the industry average as 63.66% of the companies are valued more cheaply.
When comparing the Price/Forward Earnings ratio of FIBK to the average of the S&P500 Index (35.39), we can say FIBK is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.82 | ||
| Fwd PE | 11.45 |
4.2 Price Multiples
The rest of the industry has a similar Price/Free Cash Flow ratio as FIBK.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 10.37 | ||
| 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)0.79
PEG (5Y)N/A
EPS Next 2Y10.11%
EPS Next 3Y10.1%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 5.98%, FIBK is a good candidate for dividend investing.
FIBK's Dividend Yield is rather good when compared to the industry average which is at 3.39. FIBK pays more dividend than 91.49% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.44, FIBK pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.98% |
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.
The dividend of FIBK is growing, but earnings are growing more, so the dividend growth is sustainable.
DP79.54%
EPS Next 2Y10.11%
EPS Next 3Y10.1%
NASDAQ:FIBK (11/19/2025, 2:57:25 PM)
30.39
+0.41 (+1.37%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners84.92%
Inst Owner Change2.49%
Ins Owners7.74%
Ins Owner Change2.89%
Market Cap3.19B
Revenue(TTM)1.01B
Net Income(TTM)245.40M
Analysts75.71
Price Target35.06 (15.37%)
Short Float %5.45%
Short Ratio5.09
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.98% |
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)5.36%
PT rev (3m)6.18%
EPS NQ rev (1m)-5.18%
EPS NQ rev (3m)-0.3%
EPS NY rev (1m)2.83%
EPS NY rev (3m)7.15%
Revenue NQ rev (1m)-3.03%
Revenue NQ rev (3m)-3.08%
Revenue NY rev (1m)-0.87%
Revenue NY rev (3m)-2.21%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.82 | ||
| Fwd PE | 11.45 | ||
| P/S | 3.16 | ||
| P/FCF | 10.37 | ||
| P/OCF | 9.56 | ||
| P/B | 0.92 | ||
| P/tB | 1.41 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.37
EY7.8%
EPS(NY)2.66
Fwd EY8.74%
FCF(TTM)2.93
FCFY9.65%
OCF(TTM)3.18
OCFY10.47%
SpS9.6
BVpS32.89
TBVpS21.62
PEG (NY)0.79
PEG (5Y)N/A
Graham Number41.88
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
WACC10.92%
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 Y16.21%
EPS Next 2Y10.11%
EPS Next 3Y10.1%
EPS Next 5YN/A
Revenue 1Y (TTM)-2.54%
Revenue growth 3Y16.11%
Revenue growth 5Y9.16%
Sales Q2Q%4.33%
Revenue Next Year0.99%
Revenue Next 2Y1.72%
Revenue Next 3Y2.48%
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 4 / 10 to FIRST INTERSTATE BANCSYS-A (FIBK). This can be considered as Fairly Valued.
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 12.82 and the Price/Book (PB) ratio is 0.92.
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.