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FIRST INTERSTATE BANCSYS-A (FIBK) Stock Fundamental Analysis

NASDAQ:FIBK - Nasdaq - US32055Y2019 - Common Stock - Currency: USD

26.51  -0.21 (-0.79%)

Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to FIBK. FIBK was compared to 397 industry peers in the Banks industry. FIBK has a bad profitability rating. Also its financial health evaluation is rather negative. FIBK has a decent growth rate and is not valued too expensively. Finally FIBK also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

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3

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.
In the past 5 years FIBK always reported a positive cash flow from operatings.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M 500M

1.2 Ratios

With a Return On Assets value of 0.78%, FIBK perfoms like the industry average, outperforming 45.09% of the companies in the same industry.
FIBK has a Return On Equity of 6.84%. This is in the lower half of the industry: FIBK underperforms 63.98% of its industry peers.
Industry RankSector Rank
ROA 0.78%
ROE 6.84%
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
FIBK Yearly ROA, ROE, ROICFIBK Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8

1.3 Margins

FIBK has a Profit Margin (22.61%) which 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 RankSector Rank
OM N/A
PM (TTM) 22.61%
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
FIBK Yearly Profit, Operating, Gross MarginsFIBK Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

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2

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.
Compared to 5 years ago, FIBK has more shares outstanding
Compared to 1 year ago, FIBK has an improved debt to assets ratio.
FIBK Yearly Shares OutstandingFIBK Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M 100M
FIBK Yearly Total Debt VS Total AssetsFIBK Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10B 20B 30B

2.2 Solvency

The Debt to FCF ratio of FIBK is 2.47, which is a good value as it means it would take FIBK, 2.47 years of fcf income to pay off all of its debts.
With a Debt to FCF ratio value of 2.47, FIBK perfoms like the industry average, outperforming 44.33% of the companies in the same industry.
A Debt/Equity ratio of 0.25 indicates that FIBK is not too dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.25, FIBK is doing worse than 61.96% of the companies in the same industry.
Although FIBK does not score too well on debt/equity it has very limited outstanding debt, which is well covered by the FCF. We will not put too much weight on the debt/equity number as it may be because of low equity, which could be a consequence of a share buyback program for instance. This needs to be investigated.
Industry RankSector Rank
Debt/Equity 0.25
Debt/FCF 2.47
Altman-Z N/A
ROIC/WACCN/A
WACC11.3%
FIBK Yearly LT Debt VS Equity VS FCFFIBK Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B

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4

3. Growth

3.1 Past

The earnings per share for FIBK have decreased strongly by -15.94% in the last 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.
FIBK shows a decrease in Revenue. In the last year, the revenue decreased by -2.54%.
The Revenue has been growing by 9.16% on average over the past years. This is quite good.
EPS 1Y (TTM)-15.94%
EPS 3Y-11.03%
EPS 5Y-5.07%
EPS Q2Q%-14.04%
Revenue 1Y (TTM)-2.54%
Revenue growth 3Y16.11%
Revenue growth 5Y9.16%
Sales Q2Q%1.27%

3.2 Future

FIBK is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 13.69% yearly.
The Revenue is expected to grow by 6.03% on average over the next years.
EPS Next Y14.81%
EPS Next 2Y13.01%
EPS Next 3Y13.69%
EPS Next 5YN/A
Revenue Next Year5.94%
Revenue Next 2Y5.96%
Revenue Next 3Y6.03%
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.
FIBK Yearly Revenue VS EstimatesFIBK Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 200M 400M 600M 800M 1B
FIBK Yearly EPS VS EstimatesFIBK Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 1 2 3

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5

4. Valuation

4.1 Price/Earnings Ratio

FIBK is valuated correctly with a Price/Earnings ratio of 12.56.
The rest of the industry has a similar Price/Earnings ratio as FIBK.
FIBK's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.10.
Based on the Price/Forward Earnings ratio of 9.48, the valuation of FIBK can be described as reasonable.
FIBK's Price/Forward Earnings ratio is in line with the industry average.
FIBK is valuated cheaply when we compare the Price/Forward Earnings ratio to 20.74, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 12.56
Fwd PE 9.48
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

Based on the Price/Free Cash Flow ratio, FIBK is valued a bit cheaper than the industry average as 75.82% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 8.38
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

The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
FIBK's earnings are expected to grow with 13.69% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.85
PEG (5Y)N/A
EPS Next 2Y13.01%
EPS Next 3Y13.69%

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7

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 6.95%, FIBK is a good candidate for dividend investing.
FIBK's Dividend Yield is rather good when compared to the industry average which is at 3.49. FIBK pays more dividend than 96.47% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.43, FIBK pays a better dividend.
Industry RankSector Rank
Dividend Yield 6.95%

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.
The dividend of FIBK decreased recently.
Dividend Growth(5Y)8.37%
Div Incr Years0
Div Non Decr Years1
FIBK Yearly Dividends per shareFIBK Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.5 1 1.5 2

5.3 Sustainability

86.68% of the earnings are spent on dividend by FIBK. This is not a sustainable payout ratio.
FIBK's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP86.68%
EPS Next 2Y13.01%
EPS Next 3Y13.69%
FIBK Yearly Income VS Free CF VS DividendFIBK Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M 500M
FIBK Dividend Payout.FIBK Dividend Payout, showing the Payout Ratio.FIBK Dividend Payout.PayoutRetained Earnings

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FIRST INTERSTATE BANCSYS-A

NASDAQ:FIBK (5/6/2025, 10:07:07 AM)

26.51

-0.21 (-0.79%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-29 2025-04-29/amc
Earnings (Next)07-21 2025-07-21/amc
Inst Owners81.89%
Inst Owner Change1.04%
Ins Owners11.95%
Ins Owner Change4.12%
Market Cap2.78B
Analysts72.86
Price Target32.9 (24.1%)
Short Float %3.45%
Short Ratio3.83
Dividend
Industry RankSector Rank
Dividend Yield 6.95%
Yearly Dividend1.88
Dividend Growth(5Y)8.37%
DP86.68%
Div Incr Years0
Div Non Decr Years1
Ex-Date05-12 2025-05-12 (0.47)
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-0.27%
Min EPS beat(2)-8.92%
Max EPS beat(2)8.39%
EPS beat(4)3
Avg EPS beat(4)3.9%
Min EPS beat(4)-8.92%
Max EPS beat(4)12.09%
EPS beat(8)4
Avg EPS beat(8)-2.16%
EPS beat(12)4
Avg EPS beat(12)-6.97%
EPS beat(16)7
Avg EPS beat(16)-3.97%
Revenue beat(2)1
Avg Revenue beat(2)-2.11%
Min Revenue beat(2)-6.09%
Max Revenue beat(2)1.88%
Revenue beat(4)1
Avg Revenue beat(4)-1.77%
Min Revenue beat(4)-6.09%
Max Revenue beat(4)1.88%
Revenue beat(8)1
Avg Revenue beat(8)-3.83%
Revenue beat(12)2
Avg Revenue beat(12)-3.17%
Revenue beat(16)3
Avg Revenue beat(16)-2.79%
PT rev (1m)-9.15%
PT rev (3m)-9.15%
EPS NQ rev (1m)0.7%
EPS NQ rev (3m)-0.51%
EPS NY rev (1m)-0.14%
EPS NY rev (3m)-0.05%
Revenue NQ rev (1m)0.15%
Revenue NQ rev (3m)0.51%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.66%
Valuation
Industry RankSector Rank
PE 12.56
Fwd PE 9.48
P/S 2.78
P/FCF 8.38
P/OCF 7.83
P/B 0.84
P/tB 1.32
EV/EBITDA N/A
EPS(TTM)2.11
EY7.96%
EPS(NY)2.8
Fwd EY10.55%
FCF(TTM)3.16
FCFY11.94%
OCF(TTM)3.38
OCFY12.76%
SpS9.53
BVpS31.49
TBVpS20.12
PEG (NY)0.85
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.78%
ROE 6.84%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 22.61%
GM N/A
FCFM 33.21%
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
ROICexcg growth 3YN/A
ROICexcg 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-Score6
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.25
Debt/FCF 2.47
Debt/EBITDA N/A
Cap/Depr 40.35%
Cap/Sales 2.3%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 146.9%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC11.3%
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)-15.94%
EPS 3Y-11.03%
EPS 5Y-5.07%
EPS Q2Q%-14.04%
EPS Next Y14.81%
EPS Next 2Y13.01%
EPS Next 3Y13.69%
EPS Next 5YN/A
Revenue 1Y (TTM)-2.54%
Revenue growth 3Y16.11%
Revenue growth 5Y9.16%
Sales Q2Q%1.27%
Revenue Next Year5.94%
Revenue Next 2Y5.96%
Revenue Next 3Y6.03%
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-16.96%
FCF growth 3Y6.87%
FCF growth 5Y24.57%
OCF growth 1Y-17.06%
OCF growth 3Y7.94%
OCF growth 5Y22.77%