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Company Analysis

First Interstate BancSystem, In FIBK

A comprehensive view of key metrics, scores, and financial health for First Interstate BancSystem, In

Overview of First Interstate BancSystem, Inc.

FIBK NMS
Financial Services Banks - Regional Mid Cap
First Interstate BancSystem, Inc. (FIBK), is a Mid Cap company, in the Banks - Regional industry, last closed at $33.13, about 6.6% undervalued vs fair value, +13.7% 1Y return, placing in the top 10% of its sector.
$33.13
-0.30%
As of March 13, 2026
Previous close • Vol 90d: 30.4%
52-Week Range
Market Cap
$3.35B
Enterprise Value
$3.77B
Overall Score
Scores locked

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Top Beats
No strong beats yet

Quick Facts

Website https://www.fibk.com
HQ Billings, MT
Fiscal year Dec 31

Next Events

No upcoming events available.

Fair Value Snapshot

Bear Base Bull
$20
$35
$66
Current: $33.13 +7% vs base

Engine Room Money Flow™

Mid Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$1.3B
1.7%%
Interest Expense
$480.9M
Net Interest Income
$821.6M
-6.5%%
Total Revenue
$1.1B
5.9%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
6.8%
Fair

Net Income / Equity - key bank profitability metric

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$316.2M
139.9% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
1
Active Leaks
0/1
Improving
0
High Impact
1
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating First Interstate BancSystem, In's durable competitive advantages across 6 defense dimensions

Overall Moat Strength
64
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Moderate
68
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 91% Coverage
Trade-Off Triangle Visualization A ternary plot showing FIBK's balance between Growth (8.4%), Profitability (57.6%), and Safety (34.0%). Growth 8% Safety 34% Profitability 58%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

8th percentile vs peers
9
Key Signals
Rev Growth YoY 5.9% 14p Revenue CAGR 3Y -1.5% 6p Asset Growth YoY -8.6% 2p
Strengths
  • Operating Margin in top 20% of peers (37.0%, 88th percentile)
  • Net Profit Margin in top 20% of peers (28.5%, 90th percentile)
Risks
  • Growth in bottom 20% of peers (percentile: 8)
  • Rev Growth Yoy in bottom 20% of peers (5.9%)
  • Asset Growth Yoy in bottom 20% of peers (-8.6%)

Profitability

59th percentile vs peers
59
Key Signals
Strengths
Risks
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Safety

34th percentile vs peers
35
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for First Interstate BancSystem, In.

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

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  • Shell companies or holding companies
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Bear
-
- - -
- upside
-
Base
$35.31
- - -
+6.6% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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