35.9 USD
-0.17 (-0.47%)
35.9 USD
0 (0%)
Overall FIBK gets a fundamental rating of 3 out of 10. We evaluated FIBK against 388 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. FIBK also has an excellent dividend rating.
1. Profitability
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.
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 50.26% of its industry peers.
With a Return On Equity value of 7.12%, FIBK is not doing good in the industry: 65.46% of the companies in the same industry are doing better.
| 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 comparable to the rest of the industry.
In the last couple of years the Profit Margin of FIBK has declined.
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.
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.
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.
Looking at the Debt to FCF ratio, with a value of 2.58, FIBK is in line with its industry, outperforming 41.75% 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.
With a Debt to Equity ratio value of 0.23, FIBK is not doing good in the industry: 61.60% 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
WACC10.75%
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.
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 15.15, the valuation of FIBK can be described as correct.
FIBK's Price/Earnings ratio is a bit more expensive when compared to the industry. FIBK is more expensive than 67.01% of the companies in the same industry.
FIBK is valuated rather cheaply when we compare the Price/Earnings ratio to 26.50, which is the current average of the S&P500 Index.
The Price/Forward Earnings ratio is 13.28, which indicates a correct valuation of FIBK.
69.59% of the companies in the same industry are cheaper than FIBK, based on the Price/Forward Earnings ratio.
The average S&P500 Price/Forward Earnings ratio is at 23.93. FIBK is valued slightly cheaper when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.15 | ||
| Fwd PE | 13.28 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of FIBK is on the same level as its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 12.02 | ||
| 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)0.9
PEG (5Y)N/A
EPS Next 2Y11.1%
EPS Next 3Y10.9%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 5.28%, FIBK is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 2.74, FIBK pays a better dividend. On top of this FIBK pays more dividend than 90.72% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 1.87, FIBK pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.28% |
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
79.54% of the earnings are spent on dividend by FIBK. 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%
35.9
-0.17 (-0.47%)
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 Cap3.69B
Revenue(TTM)1.01B
Net Income(TTM)245.40M
Analysts75.71
Price Target36.21 (0.86%)
Short Float %5.97%
Short Ratio3.74
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.28% |
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)8.81%
EPS NQ rev (1m)0.13%
EPS NQ rev (3m)3.32%
EPS NY rev (1m)0.55%
EPS NY rev (3m)4.23%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-3.08%
Revenue NY rev (1m)-0.2%
Revenue NY rev (3m)-1.07%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.15 | ||
| Fwd PE | 13.28 | ||
| P/S | 3.67 | ||
| P/FCF | 12.02 | ||
| P/OCF | 11.08 | ||
| P/B | 1.07 | ||
| P/tB | 1.63 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.37
EY6.6%
EPS(NY)2.7
Fwd EY7.53%
FCF(TTM)2.99
FCFY8.32%
OCF(TTM)3.24
OCFY9.03%
SpS9.79
BVpS33.52
TBVpS22.04
PEG (NY)0.9
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
WACC10.75%
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 15.15 and the Price/Book (PB) ratio is 1.07.
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.