First Interstate BancSystem, Inc.

First Interstate BancSystem, Inc.

FIBKยทNASDAQ

$34.32

-0.52%
Financial ServicesBanks - Regional

First Interstate BancSystem, Inc. operates as the bank holding company for First Interstate Bank that provides range of banking products and services in the United States. It offers various traditional depository products, including checking, savings, and time deposits; and repurchase agreements primarily for commercial and municipal depositors. The company also offers real estate loans comprising commercial real estate, construction, residential, agricultural, and other real estate loans; consumer loans comprising direct personal loans, credit card loans and lines of credit, and indirect loans; variable and fixed rate commercial loans for small and medium-sized manufacturing, wholesale, retail, and service businesses for working capital needs and business expansions; and agricultural loans. In addition, it provides a range of trust, employee benefit, investment management, insurance, agency, and custodial services to individuals, businesses, and nonprofit organizations. Further, the company offers marketing, credit review, loan servicing, credit cards issuance and servicing, mortgage loan sales and servicing, indirect consumer loan purchasing and processing, loan collection services, and other operational services, as well as online and mobile banking services. It serves individuals, businesses, municipalities, and other entities in various industries, including agriculture, construction, education, energy, governmental services, healthcare, hospitality, housing, mining, professional services, real estate development, retail, technology, tourism, and wholesale trade. As of December 31, 2021, it operated 147 banking offices, including detached drive-up facilities in communities across Idaho, Montana, Oregon, South Dakota, Washington, and Wyoming. The company was incorporated in 1971 and is headquartered in Billings, Montana.

At a Glance

Live Snapshot
Market Cap$3.33B
EPS2.9500
P/E Ratio11.63
Earnings Date07/28/2026
3Y-43.0%
5Y+14.0%
10Y+159.0%
3Y-344.0%
5Y-224.0%
10Y-1715.0%
3Y+108.0%
5Y-179.0%
10Y-8386.0%
FIBK

First Interstate BancSystem, Inc. Cash Conversion Engine

FIBK ยท NASDAQ
Net Income302.10M
Depreciation & Amortization50.80M
Stock-Based Compensation13.30M
Change in Working Capital-34.60M
Others-37.30M
Capital Expenditures-27.80M
Free Cash Flow277.80M

Cash Flow Quality Analysis

FCF Conversion Rate

92.0%

Strong cash conversion. Most reported earnings translate into actual cash flow, suggesting solid fundamentals.

CapEx Intensity

9.1%

Asset-light business model. Low capital requirements leave more cash available for shareholders and growth investments.

FCF Growth Trend

-16.3%

Significant FCF decline raises concerns. Urgent review needed of operational performance and capital allocation.

Working Capital Impact

-$34.60M

Minimal working capital impact on FCF. Changes in operating assets and liabilities well-managed.

Cash Flow Quality Insight

Asset-light with strong cash conversion: Low capital requirements combined with efficient cash generation creates significant shareholder value through dividends, buybacks, or strategic investments.

First Interstate BancSystem, Inc. Cash Flow Statement

FIBK โ€ข NASDAQ

First Interstate BancSystem, Inc. Cash Flow StatementDec 2025Dec 2024Dec 2023Dec 2022Dec 2021Dec 2020Dec 2019Dec 2018Dec 2017Dec 2016Dec 2015Dec 2014Dec 2013Dec 2012Dec 2011Dec 2010Dec 2009Dec 2008Dec 2007Dec 2006
OPERATING ACTIVITIES
302.1M
226M
257.5M
202.2M
192.1M
161.2M
181M
160.2M
106.5M
95.7M
86.8M
84.4M
86.1M
58.2M
44.5M
37.4M
53.9M
70.6M
68.6M
75.6M
50.8M
57M
53.8M
55.5M
44.4M
45.1M
38.7M
27.6M
18.4M
19.5M
18.3M
16.9M
16.2M
17.1M
17.4M
20.1M
22.3M
24.4M
16.4M
10.3M
11.3M
21.3M
20.4M
-4.7M
5M
-6.6M
5.4M
15.8M
20.9M
3.4M
12.4M
5.3M
11.3M
8.8M
2.4M
-17.3M
5.5M
-7.6M
-2.2M
-5.7M
13.3M
11.8M
4.7M
9.6M
8.9M
7.5M
8M
5.6M
3.9M
4.4M
4M
3.6M
2.9M
2.5M
2.1M
1.8M
1M
911K
1.1M
1.3M
-37.3M
54.1M
55.3M
131M
48.3M
88.2M
-62.7M
19.1M
33.9M
3.9M
10.5M
4M
29.9M
37.3M
63.8M
64.6M
25.3M
9M
3.6M
-12.9M
(36.6M)
(34.3M)
(51.2M)
(57.8M)
(56.8M)
(54.4M)
(51.2M)
(25.3M)
(28.8M)
(54.4M)
(27.3M)
(26.7M)
(39.9M)
(17.5M)
(16.6M)
(37.3M)
(25.8M)
(35.4M)
(45.2M)
(0.0)
-34.6M
-15.2M
36.3M
140.8M
-16.4M
-27.1M
-43.1M
-9.3M
-29M
-8.9M
-16.7M
7.8M
3.7M
11.9M
13.2M
2.3M
-26.3M
-19.8M
1.8M
-6.5M
305.6M
355M
428M
534.4M
282.3M
268.3M
127.3M
219M
154.6M
118M
115.4M
122M
150.2M
135.8M
143.1M
109.3M
81.8M
77.5M
89.3M
62.2M
INVESTING ACTIVITIES
-27.8M
-23M
-28.2M
-10.5M
-10.3M
-30.2M
-16.6M
-4.9M
-39M
-11.9M
-6M
(0.0)
-5.7M
-14.4M
-9.2M
-8M
(0.0)
-34K
(0.0)
-2.5M
(0.0)
(0.0)
(0.0)
(2B)
(0.0)
(0.0)
(298.4M)
(28.1M)
(91.8M)
(19.5M)
-1.6M
(35.6M)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
-94.9M
-4.2M
(13.6M)
-1.4B
-102.2M
-134.7M
-4.2B
-4B
-2.4B
-1.3B
-543M
-627.1M
-924.1M
-520M
-686.4M
-757.9M
-1.3B
-1.2B
-1.4B
-878.8M
-358.4M
-2B
-4.7B
1.7B
1.4B
1.6B
2.3B
1.4B
1.5B
1B
539.3M
523.6M
927.2M
767.1M
661.7M
741.9M
1.3B
956.2M
849M
513.2M
526.6M
2B
4.6B
2B
435.1M
-201.7M
-1.1B
468.8M
-879.5M
-42.8M
-200.6M
-79.9M
-153.8M
-334.8M
-206.7M
-183.2M
-75.8M
112.3M
122.5M
135.8M
-523.3M
-271M
-285.6M
(2.3B)
(1.8B)
(1.3B)
-949M
-2.1B
-1.9B
-16.8M
-181.1M
-130.6M
-143.1M
-95.3M
-195.8M
-204.9M
-141.1M
-125.9M
-387.5M
-229.8M
-450.1M
-267.4M
-370.3M
FINANCING ACTIVITIES
-121.9M
-1.2M
-34M
-198.9M
-5M
-115.7M
-1.5M
800K
1.1M
-22.2M
-17.3M
-3.4M
9.4M
1.6M
137K
163.7M
-7.1M
-14.2M
-19.3M
-458K
-1.6B
-1B
275.9M
2.2B
0.0
98.5M
-6M
-30.4M
5.2M
100K
-11.4M
-33.1M
-272K
-41.3M
-5.3M
-36.3M
-84.6M
111.7M
48.5M
-34.8M
-194.3M
-195.9M
-195.1M
-182.1M
-101.6M
-128.6M
-79.2M
-64.1M
-48.6M
-39.4M
-36.3M
-28.6M
-17.9M
-29.5M
-22.7M
-21.3M
-19.1M
-23.9M
-24.3M
-18.4M
-121.9M
-1.2M
-34M
-199M
-5.4M
-116.8M
-2.5M
-1M
-1.3M
-26.9M
-20.6M
-9.7M
-50.4M
-263K
-248K
-3.7M
-11.1M
-28M
-25.9M
-9.6M
-332.8M
-566.3M
-2B
-2.9B
2B
2.9B
231M
118.9M
-4.8M
88.1M
26.7M
402.9M
-153M
403.3M
-202.5M
234.3M
568.3M
363.5M
166.6M
376.7M
-2.2B
-1.8B
-2B
-1.1B
1.9B
2.8B
144.3M
25.2M
-47.1M
26.6M
-38.3M
337.7M
-211.8M
334.1M
-230.3M
340.4M
457.5M
437.5M
171.6M
323M
CASH FLOW SUMMARY
413.1M
318.6M
-292.5M
-1.5B
68M
1.2B
254.8M
63.1M
-23.1M
1.5M
-18.2M
263.8M
-266.5M
328.9M
-213.2M
62.1M
309.5M
64.8M
260.9M
14.8M
896.6M
578M
870.5M
2.3B
2.3B
1.1B
822M
758.9M
782M
780.5M
798.7M
534.8M
801.3M
472.4M
685.6M
623.5M
314M
249.2M
255.8M
241M
1.3B
896.6M
578M
870.5M
2.3B
2.3B
1.1B
822M
759M
782M
780.5M
798.7M
534.8M
801.3M
472.4M
685.6M
623.5M
314M
516.7M
255.8M
277.8M
332M
399.8M
523.9M
272M
238.1M
110.7M
214.1M
115.7M
106.2M
109.4M
122M
144.6M
121.4M
133.9M
101.3M
81.8M
77.4M
89.3M
59.6M

SEC Filings

FIBK - Filing history and reports

Filing TypeFiling DatePeriod EndingFiscal YearActions
8-K

8-K 2026

N/A

May 29, 2026
May 27, 2026
2026
8-K

8-K 2026

N/A

May 13, 2026
May 11, 2026
2026
10-Q

10-Q 2026 Q1

Q1

May 07, 2026
March 31, 2026
2026
8-K

8-K 2026

N/A

April 29, 2026
April 29, 2026
2026
DEF 14A

DEF 14A 2025

N/A

April 16, 2026
December 31, 2025
2025
10-K

10-K 2025 FY

FY

February 26, 2026
December 31, 2025
2025
8-K

8-K 2026

N/A

January 28, 2026
January 28, 2026
2026
8-K

8-K 2025

N/A

November 18, 2025
November 14, 2025
2025
10-Q

10-Q 2025 Q3

Q3

November 06, 2025
September 30, 2025
2025
8-K

8-K 2025

N/A

October 29, 2025
October 29, 2025
2025
Showing 1 to 10 of 545 filings