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

NASDAQ:FIBK • US32055Y2019

Current stock price

33.09 USD
-0.01 (-0.03%)
Last:

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.
  • In the past year FIBK had a positive cash flow from operations.
  • FIBK had positive earnings in each of the past 5 years.
  • 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 69.55% 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's Profit Margin of 28.53% is fine compared to the rest of the industry. FIBK outperforms 70.60% 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.
  • FIBK has less shares outstanding than it did 1 year ago.
  • The number of shares outstanding for FIBK has been increased compared to 5 years ago.
  • FIBK has a worse debt/assets ratio than last year.
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.
  • The Debt to FCF ratio of FIBK (2.79) 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.
  • Looking at the Debt to Equity ratio, with a value of 0.23, FIBK is doing worse than 60.10% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.23
Debt/FCF 2.79
Altman-Z N/A
ROIC/WACCN/A
WACC11.68%
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

  • The Earnings Per Share has grown by an impressive 34.70% over the past year.
  • The Earnings Per Share has been growing slightly by 2.96% on average over the past years.
  • Looking at the last year, FIBK shows a small growth in Revenue. The Revenue has grown by 5.91% in the last year.
  • The Revenue has been growing by 10.13% on average over the past years. This is quite good.
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.
  • FIBK is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 2.34% yearly.
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.
  • The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
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

  • With a Price/Earnings ratio of 11.22, the valuation of FIBK can be described as very reasonable.
  • FIBK's Price/Earnings is on the same level as the industry average.
  • When comparing the Price/Earnings ratio of FIBK to the average of the S&P500 Index (26.11), we can say FIBK is valued rather cheaply.
  • The Price/Forward Earnings ratio is 12.36, which indicates a correct valuation of FIBK.
  • FIBK's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. FIBK is more expensive than 69.03% 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 24.12.
Industry RankSector Rank
PE 11.22
Fwd PE 12.36
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

  • 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 RankSector Rank
P/FCF 12.04
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)3.79
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 5.66%, which is a nice return.
  • Compared to an average industry Dividend Yield of 2.90, FIBK pays a better dividend. On top of this FIBK pays more dividend than 91.34% of the companies listed in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.91, FIBK pays a better dividend.
Industry RankSector Rank
Dividend Yield 5.66%

5.2 History

  • The dividend of FIBK decreases each year by -1.38%.
  • FIBK has paid a dividend for at least 10 years, which is a reliable track record.
  • The dividend of FIBK decreased 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 (3/18/2026, 2:44:00 PM)

33.09

-0.01 (-0.03%)

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 Change0.13%
Market Cap3.35B
Revenue(TTM)1.06B
Net Income(TTM)302.10M
Analysts75.71
Price Target38.76 (17.14%)
Short Float %9.15%
Short Ratio7.08
Dividend
Industry RankSector Rank
Dividend Yield 5.66%
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)0.22%
EPS NY rev (3m)-0.94%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.4%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-1.45%
Valuation
Industry RankSector Rank
PE 11.22
Fwd PE 12.36
P/S 3.16
P/FCF 12.04
P/OCF 10.95
P/B 0.97
P/tB 1.47
EV/EBITDA N/A
EPS(TTM)2.95
EY8.92%
EPS(NY)2.68
Fwd EY8.09%
FCF(TTM)2.75
FCFY8.3%
OCF(TTM)3.02
OCFY9.13%
SpS10.47
BVpS34.09
TBVpS22.45
PEG (NY)N/A
PEG (5Y)3.79
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
WACC11.68%
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.