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Financial Services - Banks - Regional - NASDAQ - US
$ 24.5
-0.89 %
$ 2.56 B
Market Cap
11.19
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one FIBK stock under the worst case scenario is HIDDEN Compared to the current market price of 24.5 USD, First Interstate BancSystem, Inc. is HIDDEN

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one FIBK stock under the base case scenario is HIDDEN Compared to the current market price of 24.5 USD, First Interstate BancSystem, Inc. is HIDDEN

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one FIBK stock under the best case scenario is HIDDEN Compared to the current market price of 24.5 USD, First Interstate BancSystem, Inc. is HIDDEN

2. FUNDAMENTAL ANALYSIS

Price Chart FIBK

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$36.0$36.0$34.0$34.0$32.0$32.0$30.0$30.0$28.0$28.0$26.0$26.0$24.0$24.015 Oct15 OctNov '24Nov '2415 Nov15 NovDec '24Dec '2415 Dec15 DecJan '25Jan '2515 Jan15 JanFeb '25Feb '2515 Feb15 FebMar '25Mar '2515 Mar15 MarApr '25Apr '25
FINANCIALS
178 M REVENUE
-82.64%
-832 M OPERATING INCOME
-247.15%
226 M NET INCOME
-12.23%
355 M OPERATING CASH FLOW
-17.06%
1.76 B INVESTING CASH FLOW
40.32%
-1.8 B FINANCING CASH FLOW
9.05%
47 M REVENUE
-81.34%
-194 M OPERATING INCOME
-219.98%
52.1 M NET INCOME
-6.13%
95.2 M OPERATING CASH FLOW
5.90%
559 M INVESTING CASH FLOW
14.81%
-456 M FINANCING CASH FLOW
45.49%
Balance Sheet First Interstate BancSystem, Inc.
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Current Assets 8.24 B
Cash & Short-Term Investments 8.12 B
Receivables 117 M
Other Current Assets 0
Non-Current Assets 1.71 B
Long-Term Investments 0
PP&E 427 M
Other Non-Current Assets 1.29 B
81.61 %4.29 %12.92 %Total Assets$10.0b
Current Liabilities 426 M
Accounts Payable 426 M
Short-Term Debt 0
Other Current Liabilities 0
Non-Current Liabilities 132 M
Long-Term Debt 133 M
Other Non-Current Liabilities -800 K
76.31 %23.83 %Total Liabilities$558.1m
EFFICIENCY
Earnings Waterfall First Interstate BancSystem, Inc.
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Revenue 178 M
Cost Of Revenue 0
Gross Profit 178 M
Operating Expenses 1 B
Operating Income -832 M
Other Expenses -1.06 B
Net Income 226 M
400m400m200m200m00(200m)(200m)(400m)(400m)(600m)(600m)(800m)(800m)(1b)(1b)178m0178m(1000m)(832m)1b226mRevenueRevenueCost Of RevenueCost Of RevenueGross ProfitGross ProfitOperating ExpensesOperating ExpensesOperating IncomeOperating IncomeOther ExpensesOther ExpensesNet IncomeNet Income
RATIOS
100.00% GROSS MARGIN
100.00%
-467.38% OPERATING MARGIN
-467.38%
126.90% NET MARGIN
126.90%
6.84% ROE
6.84%
0.78% ROA
0.78%
-6.71% ROIC
-6.71%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis First Interstate BancSystem, Inc.
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600m600m500m500m400m400m300m300m200m200m100m100m0020162016201720172018201820192019202020202021202120222022202320232024202420252025
Net Income 226 M
Depreciation & Amortization 57 M
Capital Expenditures 0
Stock-Based Compensation 11.8 M
Change in Working Capital -15.2 M
Others 30.9 M
Free Cash Flow 355 M
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets First Interstate BancSystem, Inc.
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Wall Street analysts predict an average 1-year price target for FIBK of $35.5 , with forecasts ranging from a low of $28 to a high of $38 .
FIBK Lowest Price Target Wall Street Target
28 USD 14.29%
FIBK Average Price Target Wall Street Target
35.5 USD 44.90%
FIBK Highest Price Target Wall Street Target
38 USD 55.10%
Price
Max Price Target
Min Price Target
Average Price Target
38383636343432323030282826262424May '24May '24Jul '24Jul '24Aug '24Aug '24Oct '24Oct '24Nov '24Nov '2420252025Feb '25Feb '25Apr '25Apr '25Jun '25Jun '25Jul '25Jul '25Aug '25Aug '25Oct '25Oct '25Nov '25Nov '2520262026Feb '26Feb '26Apr '26Apr '26
4. DIVIDEND ANALYSIS
1.46% DIVIDEND YIELD
0.47 USD DIVIDEND PER SHARE
Q1
Q2
Q3
Q4
2.002.001.801.801.601.601.401.401.201.201.001.000.800.800.600.600.400.400.200.200.000.000.20.220.240.280.310.340.60.410.410.470.470.470.20.220.240.280.310.340.410.410.470.470.20.220.240.280.310.340.410.410.470.470.20.800.220.880.240.960.281.120.311.240.381.400.411.830.471.700.471.820.471.880.470.472015201520162016201720172018201820192019202020202021202120222022202320232024202420252025
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5. COMPETITION
slide 2 of 16
6. Ownership
Insider Ownership First Interstate BancSystem, Inc.
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Sold
0-3 MONTHS
51.1 K USD 1
3-6 MONTHS
3.18 M USD 3
6-9 MONTHS
866 K USD 3
9-12 MONTHS
13.6 M USD 2
Bought
0 USD 0
0-3 MONTHS
0 USD 0
3-6 MONTHS
348 K USD 1
6-9 MONTHS
0 USD 0
9-12 MONTHS
7. News
First Interstate BancSystem, Inc. Announces Chief Financial Officer Succession BILLINGS, Mont.--(BUSINESS WIRE)--First Interstate BancSystem, Inc. (NASDAQ: FIBK) (“First Interstate” or the “Company”) announced today that Marcy D. Mutch notified the Company of her intention to retire as a full-time employee at the end of 2025 after more than 18 years of faithful service to the Company, and to step down after a transition period as the Company's Executive Vice President and Chief Financial Officer (CFO) effective May 31, 2025. Ms. Mutch has agreed to serve as an executive a. businesswire.com - 1 month ago
First Interstate BancSystem, Inc. (FIBK) Q4 2024 Earnings Call Transcript First Interstate BancSystem, Inc. (NASDAQ:FIBK ) Q4 2024 Earnings Conference Call January 30, 2025 11:00 AM ET Company Participants Nancy Vermeulen - Financial Communications & Analyst Manager Jim Reuter - CEO Marcy Mutch - CFO David Della Camera - Deputy CFO Conference Call Participants Matthew Clark - Piper Sandler Jeff Rulis - D.A. Davidson Andrew Terrell - Stephens, Inc. Chris McGratty - KBW Samuel Varga - UBS Timur Braziler - Wells Fargo Operator Good morning, ladies and gentlemen, and welcome to the First Interstate BancSystem Inc. Fourth Quarter Earnings Conference Call. seekingalpha.com - 2 months ago
First Interstate BancSystem (FIBK) Q4 Earnings: Taking a Look at Key Metrics Versus Estimates While the top- and bottom-line numbers for First Interstate BancSystem (FIBK) give a sense of how the business performed in the quarter ended December 2024, it could be worth looking at how some of its key metrics compare to Wall Street estimates and year-ago values. zacks.com - 2 months ago
First Interstate BancSystem (FIBK) Q4 Earnings and Revenues Beat Estimates First Interstate BancSystem (FIBK) came out with quarterly earnings of $0.50 per share, beating the Zacks Consensus Estimate of $0.49 per share. This compares to earnings of $0.67 per share a year ago. zacks.com - 2 months ago
First Interstate BancSystem, Inc. Reports Fourth Quarter Earnings BILLINGS, Mont.--(BUSINESS WIRE)--First Interstate BancSystem, Inc. (NASDAQ: FIBK) (the “Company”) today reported financial results for the fourth quarter of 2024. For the quarter, the Company reported net income of $52.1 million, or $0.50 per diluted share, which compares to net income of $55.5 million, or $0.54 per diluted share, for the third quarter of 2024 and net income of $61.5 million, or $0.59 per diluted share, for the fourth quarter of 2023. For the year ended December 31, 2024, the. businesswire.com - 2 months ago
69 Graham Value All-Stars, Of 20 'Safer' Choices, Buy Any Of 14 The Value Score identifies large-cap stocks offering the best value relative to their assets and profits, focusing on low-priced, high-value investments. The Ben Graham Formula targets ultra-stable stocks with strong earnings, dividends, and low valuations, ensuring long-term stability and minimal losses. Analysts forecast significant gains (29.57% to 79.74%) for top-ten GASV stocks by January 2026, highlighting high-yield, low-risk investment opportunities. seekingalpha.com - 2 months ago
Analysts Estimate First Interstate BancSystem (FIBK) to Report a Decline in Earnings: What to Look Out for First Interstate BancSystem (FIBK) doesn't possess the right combination of the two key ingredients for a likely earnings beat in its upcoming report. Get prepared with the key expectations. zacks.com - 2 months ago
First Interstate: High Yield At A Great Price First Interstate: High Yield At A Great Price seekingalpha.com - 3 months ago
First Interstate BancSystem: 5.9% Dividend Yield And A Positive Earnings Outlook The upcoming maturity of borrowings will help lift the net interest margin. The margin will likely be the biggest earnings catalyst for 2025. As the margin is inversely proportional to interest rate changes, it will benefit from a falling interest rate environment. FIBK is offering an attractive dividend yield of 5.9%. However, the implied payout ratio for 2025 is quite high, at 74%. seekingalpha.com - 3 months ago
First Interstate BancSystem, Inc. (FIBK) Q3 2024 Earnings Call Transcript First Interstate BancSystem, Inc. (NASDAQ:FIBK ) Q3 2024 Earnings Conference Call October 25, 2024 11:00 AM ET Company Participants Nancy Vermeulen – Financial Communications and Analyst Manager Kevin Riley – Chief Executive Officer Marcy Mutch – Chief Financial Officer Conference Call Participants Matthew Clark – Piper Sandler Andrew Terrell – Stephens Jared Shaw – Barclays Tim Coffey – Janney Timur Braziler – Wells Fargo Nick Moutafakis – KBW Operator Good morning, everyone, and welcome to the First Interstate BancSystem Third Quarter Earnings Conference Call. At this time all participants are in a listen-only mode. seekingalpha.com - 5 months ago
First Interstate BancSystem (FIBK) Q3 Earnings: How Key Metrics Compare to Wall Street Estimates The headline numbers for First Interstate BancSystem (FIBK) give insight into how the company performed in the quarter ended September 2024, but it may be worthwhile to compare some of its key metrics to Wall Street estimates and the year-ago actuals. zacks.com - 5 months ago
First Interstate BancSystem (FIBK) Misses Q3 Earnings Estimates First Interstate BancSystem (FIBK) came out with quarterly earnings of $0.54 per share, missing the Zacks Consensus Estimate of $0.60 per share. This compares to earnings of $0.70 per share a year ago. zacks.com - 5 months ago
8. Profile Summary

First Interstate BancSystem, Inc. FIBK

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COUNTRY US
INDUSTRY Banks - Regional
MARKET CAP $ 2.56 B
Dividend Yield 1.46%
Description 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.
Contact 401 North 31st Street, Billings, MT, 59116-0918 https://www.fibk.com
IPO Date March 24, 2010
Employees 3481
Officers Mr. Kirk D. Jensen Esq. Executive Vice President, General Counsel & Corporate Secretary Ms. Rachel B. Turitto Executive Vice President & Chief Human Resources Officer Mr. David P. Della Camera C.F.A. Deputy Chief Financial Officer Ms. Lorrie F. Asker Executive Vice President & Chief Banking Officer Mr. James A. Reuter President, Chief Executive Officer & Director Ms. Marcy D. Mutch CPA Executive Vice President & Chief Financial Officer Sara Becker Director of Marketing and Communications Ms. Kristina R. Robbins Executive Vice President & Chief Operating Officer Ms. Lori A. Meyer Executive Vice President & Chief Information Officer Mr. Michael Lugli Chief Credit Officer