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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 $35.68, about 1.0% overvalued vs fair value, +36.2% 1Y return, placing in the top 10% of its sector.
Metrics Rev Growth 5.9% ROE 9.0% Gross Margin 97.5% Div Yield 5.46%
$35.68
0.99%
As of April 28, 2026
Previous close • Vol 90d: 27.1%
52-Week Range
Market Cap
$3.61B
Enterprise Value
$4.03B
Overall Score
View breakdown
Overall
Growth
Weak
Profitability
Good
Health
Fair
Efficiency
Fair
Valuation
Fair
Growth
Weak
Profitability
Good
Health
Fair
Efficiency
Fair
Valuation
Fair
Completeness: 82%
Confidence: 51%
Updated: Mar 8
Top Beats
No strong beats yet

Quick Facts

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

Next Events

Earnings Apr 29 Estimated

Fair Value Snapshot

Bear Base Bull
$20
$35
$66
Current: $35.68 -1% 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

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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
65
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Moderate
72
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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 93% Coverage
Trade-Off Triangle Visualization A ternary plot showing FIBK's balance between Growth (12.0%), Profitability (42.0%), and Safety (46.0%). Growth 12% Safety 46% Profitability 42%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

15th percentile vs peers
16
Key Signals
EPS Growth YoY -11.7% 31p NII Growth YoY -6.5% 17p Equity Growth YoY 2.4% 18p Asset Growth YoY -8.6% 2p
Strengths
  • Efficiency Ratio in top 20% of peers (60.5%, 87th percentile)
  • Cash & Securities to Assets in top 20% of peers (29.4%, 93th percentile)
  • Dividends/Tangible Equity in top 20% of peers (9.5%, 96th percentile)
Risks
  • Growth in bottom 20% of peers (percentile: 15)
  • NII Growth YoY in bottom 20% of peers (-6.5%)
  • Equity Growth YoY in bottom 20% of peers (2.4%)
  • Asset Growth YoY in bottom 20% of peers (-8.6%)

Profitability

54th percentile vs peers
55
Key Signals
Strengths
Risks
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Safety

59th percentile vs peers
60
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
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$35.31
- - -
-1.0% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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