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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 Framework: Banks & Lenders Mid Cap
First Interstate BancSystem, Inc. (FIBK), is a Mid Cap company, in the Banks - Regional industry, last closed at $38.97, about 10.1% overvalued vs fair value, +36.3% 1Y return, placing in the top 10% of its sector.
Metrics P/E 11.8× Rev Growth 5.9% ROE 9.0% Gross Margin 97.4% Div Yield 5.46%
USD 38.97
1.09%
(Delayed)
• Vol 90d: 23.9%
52-Week Range
Market Cap
$3.78B
Enterprise Value
$2.87B
Overall Score
View breakdown
Overall
Growth
Weak
Profitability
Weak
Health
Weak
Efficiency
Weak
Valuation
Good
Growth
Weak
Profitability
Weak
Health
Weak
Efficiency
Weak
Valuation
Good
Completeness: 82%
Confidence: 86%
Updated: Jul 5
Top Beats
No strong beats yet

Quick Facts

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

Next Events

Earnings Jul 28 Estimated

Fair Value Snapshot

Bear Base Bull
$19
$35
$66
Current: $38.97 -10% vs base

Engine Room Money Flow™

Mid Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$1.2B
-9.6%%
Interest Expense
$352.6M
Net Interest Income
$825.4M
0.5%%
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
8.8%
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
104.7% 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
62
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Moderate
64
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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 (17.7%), Profitability (31.2%), and Safety (51.1%). Growth 18% Safety 51% Profitability 31%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

25th percentile vs peers
25
Key Signals
EPS Growth YoY 34.1% 69p NII Growth YoY 0.5% 19p Equity Growth YoY 4.3% 28p Asset Growth YoY -8.6% 3p
Strengths
  • Cash & Securities to Assets in top 20% of peers (33.1%, 95th percentile)
  • D/E Ratio in top 20% of peers (8.6%, 88th percentile)
  • Debt/Assets in top 20% of peers (1.1%, 87th percentile)
  • Conservative leverage compared to industry peers
Risks
  • NII Growth YoY in bottom 20% of peers (0.5%)
  • Asset Growth YoY in bottom 20% of peers (-8.6%)
  • Growth below peer median (percentile: 25)

Profitability

44th percentile vs peers
45
Key Signals
Strengths
Risks
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Safety

72th percentile vs peers
73
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
$35.03
- - -
-10.1% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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