FIRST INTERSTATE BANCSYS-A (FIBK) Fundamental Analysis & Valuation

NASDAQ:FIBK • US32055Y2019

Current stock price

33.16 USD
+0.68 (+2.09%)
At close:
33.16 USD
0 (0%)
After Hours:

This FIBK fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

4

1. FIBK Profitability Analysis

1.1 Basic Checks

  • FIBK had positive earnings in the past year.
  • FIBK had a positive operating cash flow in the past year.
  • In the past 5 years FIBK has always been profitable.
  • Each year in the past 5 years FIBK had a positive operating cash flow.
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M 400M 500M

1.2 Ratios

  • With a decent Return On Assets value of 1.13%, FIBK is doing good in the industry, outperforming 67.37% of the companies in the same industry.
  • FIBK has a Return On Equity (8.76%) which is in line with its industry peers.
Industry RankSector Rank
ROA 1.13%
ROE 8.76%
ROIC N/A
ROA(3y)0.92%
ROA(5y)0.87%
ROE(3y)7.86%
ROE(5y)7.97%
ROIC(3y)N/A
ROIC(5y)N/A
FIBK Yearly ROA, ROE, ROICFIBK Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6 8

1.3 Margins

  • FIBK has a better Profit Margin (28.53%) than 68.42% of its industry peers.
  • FIBK's Profit Margin has improved 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 RankSector Rank
OM N/A
PM (TTM) 28.53%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y15.99%
PM growth 5Y2.96%
GM growth 3YN/A
GM growth 5YN/A
FIBK Yearly Profit, Operating, Gross MarginsFIBK Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30

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2

2. FIBK Health Analysis

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 reduced 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 is higher compared to a year ago.
FIBK Yearly Shares OutstandingFIBK Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M 100M
FIBK Yearly Total Debt VS Total AssetsFIBK Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10B 20B 30B

2.2 Solvency

  • The Debt to FCF ratio of FIBK is 2.79, which is a good value as it means it would take FIBK, 2.79 years of fcf income to pay off all of its debts.
  • With a Debt to FCF ratio value of 2.79, FIBK perfoms like the industry average, outperforming 42.37% of the companies in the same industry.
  • A Debt/Equity ratio of 0.23 indicates that FIBK is not too dependend on debt financing.
  • FIBK has a Debt to Equity ratio (0.23) which is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 0.23
Debt/FCF 2.79
Altman-Z N/A
ROIC/WACCN/A
WACC11.79%
FIBK Yearly LT Debt VS Equity VS FCFFIBK Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. FIBK Growth Analysis

3.1 Past

  • FIBK shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 34.70%, which is quite impressive.
  • FIBK shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 2.96% yearly.
  • FIBK shows a small growth in Revenue. In the last year, the Revenue has grown by 5.91%.
  • Measured over the past years, FIBK shows a quite strong growth in Revenue. The Revenue has been growing by 10.13% on average per year.
EPS 1Y (TTM)34.7%
EPS 3Y16.83%
EPS 5Y2.96%
EPS Q2Q%116%
Revenue 1Y (TTM)5.91%
Revenue growth 3Y-1.44%
Revenue growth 5Y10.13%
Sales Q2Q%19.79%

3.2 Future

  • Based on estimates for the next years, FIBK will show a small growth in Earnings Per Share. The EPS will grow by 1.75% on average per year.
  • The Revenue is expected to grow by 2.34% on average over the next years.
EPS Next Y-9.23%
EPS Next 2Y0.94%
EPS Next 3Y1.75%
EPS Next 5YN/A
Revenue Next Year0.29%
Revenue Next 2Y2.76%
Revenue Next 3Y2.34%
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 decreasing.
  • 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 200M 400M 600M 800M 1B
FIBK Yearly EPS VS EstimatesFIBK Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 1 2 3

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3

4. FIBK Valuation Analysis

4.1 Price/Earnings Ratio

  • FIBK is valuated reasonably with a Price/Earnings ratio of 11.24.
  • 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 25.54.
  • FIBK is valuated correctly with a Price/Forward Earnings ratio of 12.38.
  • Based on the Price/Forward Earnings ratio, FIBK is valued a bit more expensive than the industry average as 69.21% of the companies are valued more cheaply.
  • When comparing the Price/Forward Earnings ratio of FIBK to the average of the S&P500 Index (22.70), we can say FIBK is valued slightly cheaper.
Industry RankSector Rank
PE 11.24
Fwd PE 12.38
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

  • The rest of the industry has a similar Price/Free Cash Flow ratio as FIBK.
Industry RankSector Rank
P/FCF 12.07
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

PEG (NY)N/A
PEG (5Y)3.8
EPS Next 2Y0.94%
EPS Next 3Y1.75%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

5

5. FIBK Dividend Analysis

5.1 Amount

  • FIBK has a Yearly Dividend Yield of 5.82%, which is a nice return.
  • FIBK's Dividend Yield is rather good when compared to the industry average which is at 2.78. FIBK pays more dividend than 93.95% of the companies in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.89, FIBK pays a better dividend.
Industry RankSector Rank
Dividend Yield 5.82%

5.2 History

  • The dividend of FIBK decreases each year by -1.38%.
  • 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)-1.38%
Div Incr Years0
Div Non Decr Years1
FIBK Yearly Dividends per shareFIBK Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.5 1 1.5 2

5.3 Sustainability

  • FIBK pays out 64.32% of its income as dividend. This is not a sustainable payout ratio.
DP64.32%
EPS Next 2Y0.94%
EPS Next 3Y1.75%
FIBK Yearly Income VS Free CF VS DividendFIBK Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M 400M 500M
FIBK Dividend Payout.FIBK Dividend Payout, showing the Payout Ratio.FIBK Dividend Payout.PayoutRetained Earnings

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FIBK Fundamentals: All Metrics, Ratios and Statistics

FIRST INTERSTATE BANCSYS-A

NASDAQ:FIBK (3/23/2026, 8:00:01 PM)

After market: 33.16 0 (0%)

33.16

+0.68 (+2.09%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-28
Earnings (Next)04-27
Inst Owners98.8%
Inst Owner Change1.48%
Ins Owners8.03%
Ins Owner Change0.65%
Market Cap3.35B
Revenue(TTM)1.06B
Net Income(TTM)302.10M
Analysts75.71
Price Target38.76 (16.89%)
Short Float %9.15%
Short Ratio7.08
Dividend
Industry RankSector Rank
Dividend Yield 5.82%
Yearly Dividend1.89
Dividend Growth(5Y)-1.38%
DP64.32%
Div Incr Years0
Div Non Decr Years1
Ex-Date02-10
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)38.58%
Min EPS beat(2)9.93%
Max EPS beat(2)67.23%
EPS beat(4)3
Avg EPS beat(4)20.15%
Min EPS beat(4)-13.4%
Max EPS beat(4)67.23%
EPS beat(8)6
Avg EPS beat(8)12.02%
EPS beat(12)7
Avg EPS beat(12)5.27%
EPS beat(16)7
Avg EPS beat(16)-0.19%
Revenue beat(2)1
Avg Revenue beat(2)10.39%
Min Revenue beat(2)-3.49%
Max Revenue beat(2)24.28%
Revenue beat(4)1
Avg Revenue beat(4)3.33%
Min Revenue beat(4)-4%
Max Revenue beat(4)24.28%
Revenue beat(8)2
Avg Revenue beat(8)0.78%
Revenue beat(12)2
Avg Revenue beat(12)-1.44%
Revenue beat(16)3
Avg Revenue beat(16)-1.54%
PT rev (1m)0.38%
PT rev (3m)7.04%
EPS NQ rev (1m)-0.38%
EPS NQ rev (3m)4.55%
EPS NY rev (1m)0.32%
EPS NY rev (3m)-0.94%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.4%
Revenue NY rev (1m)-0.2%
Revenue NY rev (3m)-1.45%
Valuation
Industry RankSector Rank
PE 11.24
Fwd PE 12.38
P/S 3.17
P/FCF 12.07
P/OCF 10.97
P/B 0.97
P/tB 1.48
EV/EBITDA N/A
EPS(TTM)2.95
EY8.9%
EPS(NY)2.68
Fwd EY8.08%
FCF(TTM)2.75
FCFY8.28%
OCF(TTM)3.02
OCFY9.11%
SpS10.47
BVpS34.09
TBVpS22.45
PEG (NY)N/A
PEG (5Y)3.8
Graham Number47.57
Profitability
Industry RankSector Rank
ROA 1.13%
ROE 8.76%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 28.53%
GM N/A
FCFM 26.24%
ROA(3y)0.92%
ROA(5y)0.87%
ROE(3y)7.86%
ROE(5y)7.97%
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 3Y15.99%
PM growth 5Y2.96%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.23
Debt/FCF 2.79
Debt/EBITDA N/A
Cap/Depr 54.72%
Cap/Sales 2.63%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 91.96%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC11.79%
ROIC/WACCN/A
Cap/Depr(3y)49.16%
Cap/Depr(5y)37.92%
Cap/Sales(3y)2.56%
Cap/Sales(5y)2.05%
Profit Quality(3y)131.37%
Profit Quality(5y)158.96%
High Growth Momentum
Growth
EPS 1Y (TTM)34.7%
EPS 3Y16.83%
EPS 5Y2.96%
EPS Q2Q%116%
EPS Next Y-9.23%
EPS Next 2Y0.94%
EPS Next 3Y1.75%
EPS Next 5YN/A
Revenue 1Y (TTM)5.91%
Revenue growth 3Y-1.44%
Revenue growth 5Y10.13%
Sales Q2Q%19.79%
Revenue Next Year0.29%
Revenue Next 2Y2.76%
Revenue Next 3Y2.34%
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-16.33%
FCF growth 3Y-19.06%
FCF growth 5Y3.13%
OCF growth 1Y-13.92%
OCF growth 3Y-17%
OCF growth 5Y2.64%

FIRST INTERSTATE BANCSYS-A / FIBK Fundamental Analysis 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 4 / 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 decline by -9.23% in the next year.