First Interstate BancSystem, Inc. Logo

First Interstate BancSystem, Inc.

FIBK

(3.0)
Stock Price

32,64 USD

0.87% ROA

7.23% ROE

11.95x PER

Market Cap.

3.065.347.360,00 USD

115.29% DER

6.41% Yield

22.95% NPM

First Interstate BancSystem, Inc. Stock Analysis

First Interstate BancSystem, Inc. Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

First Interstate BancSystem, Inc. Fundamental Stock Analysis
# Analysis Rating
1 PBV

With a remarkably low PBV ratio (0.85x), the stock offers substantial upside potential at a bargain price.

2 Dividend

The company's consistent dividend distribution over the past five years reflects its dedication to providing shareholders with steady returns, making it an appealing choice for investors seeking income stability.

3 ROE

The stock's ROE falls within an average range (9.54%), demonstrating satisfactory profitability and efficiency in utilizing shareholders' equity.

4 ROA

The stock's ROA (0.99%) indicates that it's doing well in making money from the things it owns. This makes it a good option to invest and make consistent profits.

5 DER

The stock maintains a fair debt to equity ratio (92%), indicating a reasonable balance between the money it owes and the ownership it possesses.

6 Revenue Growth

Company's revenue has experienced consistent growth over the last three years, indicating a favorable financial trajectory and making it an attractive investment choice.

7 Net Profit Growth

Over the last three years, this company has consistently achieved net profit growth, indicating a favorable financial performance and making it an attractive investment option.

8 Graham Number

The Graham number calculation reveals that this company's stock price is potentially underestimated, implying that it may be a promising investment option.

9 Dividend Growth

With a history of consistent dividend increases over the last three years, the company has proven to be a reliable choice for investors seeking reliable income.

10 Buffet Intrinsic Value

Based on Warren Buffett's formula, the company's stock appears undervalued (96), presenting an attractive investment chance with its intrinsic value surpassing the current market price.

11 Assets Growth

Company has experienced no growth in revenue over the past three years, suggesting limited profitability and making it a less desirable investment opportunity.

First Interstate BancSystem, Inc. Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

First Interstate BancSystem, Inc. Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Buy
2 MACD Buy
3 RSI Hold
4 Stoch RSI Sell

First Interstate BancSystem, Inc. Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

First Interstate BancSystem, Inc. Revenue
Year Revenue Growth
1999 0
2002 196.748.000 100%
2003 210.796.000 6.66%
2004 221.675.000 4.91%
2005 240.598.000 7.86%
2006 269.210.000 10.63%
2007 292.051.000 7.82%
2008 336.663.000 13.25%
2009 343.826.000 2.08%
2010 342.350.000 -0.43%
2011 342.724.000 0.11%
2012 358.647.000 4.44%
2013 348.646.000 -2.87%
2014 359.862.000 3.12%
2015 386.767.000 6.96%
2016 412.155.000 6.16%
2017 491.596.000 16.16%
2018 575.800.000 14.62%
2019 644.900.000 10.71%
2020 653.700.000 1.35%
2021 638.700.000 -2.35%
2022 1.105.800.000 42.24%
2023 168.000.000 -558.21%
2023 147.000.000 -14.29%
2024 1.458.400.000 89.92%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

First Interstate BancSystem, Inc. Research and Development Expenses
Year Research and Development Expenses Growth
1999 0
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2023 0 0%
2024 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

First Interstate BancSystem, Inc. General and Administrative Expenses
Year General and Administrative Expenses Growth
1999 0
2002 68.379.000 100%
2003 69.999.000 2.31%
2004 73.972.000 5.37%
2005 80.029.000 7.57%
2006 88.889.000 9.97%
2007 98.134.000 9.42%
2008 114.024.000 13.94%
2009 113.569.000 -0.4%
2010 122.711.000 7.45%
2011 118.685.000 -3.39%
2012 125.648.000 5.54%
2013 124.340.000 -1.05%
2014 126.643.000 1.82%
2015 132.189.000 4.2%
2016 143.877.000 8.12%
2017 160.312.000 10.25%
2018 194.300.000 17.49%
2019 206.800.000 6.04%
2020 223.100.000 7.31%
2021 220.700.000 -1.09%
2022 359.600.000 38.63%
2023 340.400.000 -5.64%
2023 369.900.000 7.98%
2024 359.200.000 -2.98%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

First Interstate BancSystem, Inc. EBITDA
Year EBITDA Growth
1999 0
2002 130.847.000 100%
2003 123.638.000 -5.83%
2004 129.606.000 4.6%
2005 166.618.000 22.21%
2006 233.366.000 28.6%
2007 247.755.000 5.81%
2008 252.857.000 2.02%
2009 189.293.000 -33.58%
2010 137.689.000 -37.48%
2011 125.560.000 -9.66%
2012 135.488.000 7.33%
2013 169.642.000 20.13%
2014 165.076.000 -2.77%
2015 166.830.000 1.05%
2016 182.400.000 8.54%
2017 203.088.000 10.19%
2018 274.800.000 26.1%
2019 246.300.000 -11.57%
2020 220.200.000 -11.85%
2021 257.700.000 14.55%
2022 391.500.000 34.18%
2023 378.800.000 -3.35%
2023 336.800.000 -12.47%
2024 -49.200.000 784.55%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

First Interstate BancSystem, Inc. Gross Profit
Year Gross Profit Growth
1999 0
2002 196.748.000 100%
2003 210.796.000 6.66%
2004 221.675.000 4.91%
2005 240.598.000 7.86%
2006 269.210.000 10.63%
2007 292.051.000 7.82%
2008 336.663.000 13.25%
2009 343.826.000 2.08%
2010 342.350.000 -0.43%
2011 342.724.000 0.11%
2012 358.647.000 4.44%
2013 348.646.000 -2.87%
2014 359.862.000 3.12%
2015 385.292.000 6.6%
2016 412.111.000 6.51%
2017 491.596.000 16.17%
2018 575.800.000 14.62%
2019 644.900.000 10.71%
2020 653.700.000 1.35%
2021 638.700.000 -2.35%
2022 1.036.100.000 38.36%
2023 98.000.000 -957.24%
2023 75.400.000 -29.97%
2024 1.382.800.000 94.55%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

First Interstate BancSystem, Inc. Net Profit
Year Net Profit Growth
1999 0
2002 34.494.000 100%
2003 40.752.000 15.36%
2004 45.421.000 10.28%
2005 54.715.000 16.99%
2006 75.609.000 27.63%
2007 68.641.000 -10.15%
2008 70.648.000 2.84%
2009 53.863.000 -31.16%
2010 37.356.000 -44.19%
2011 44.546.000 16.14%
2012 58.224.000 23.49%
2013 86.136.000 32.4%
2014 84.401.000 -2.06%
2015 86.795.000 2.76%
2016 95.700.000 9.31%
2017 106.500.000 10.14%
2018 160.200.000 33.52%
2019 181.000.000 11.49%
2020 161.200.000 -12.28%
2021 192.100.000 16.09%
2022 202.200.000 5%
2023 290.800.000 30.47%
2023 257.500.000 -12.93%
2024 240.000.000 -7.29%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

First Interstate BancSystem, Inc. Earning per Share (EPS)
Year Earning per Share (EPS) Growth
1999 0
2002 1 100%
2003 1 0%
2004 1 0%
2005 2 0%
2006 2 50%
2007 2 0%
2008 2 0%
2009 2 -100%
2010 1 0%
2011 1 0%
2012 1 100%
2013 2 0%
2014 2 0%
2015 2 0%
2016 2 50%
2017 2 0%
2018 3 0%
2019 3 0%
2020 3 0%
2021 3 33.33%
2022 2 -200%
2023 3 50%
2023 2 0%
2024 2 0%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

First Interstate BancSystem, Inc. Free Cashflow
Year Free Cashflow Growth
2002 -67.024.000
2003 -224.683.000 70.17%
2004 -133.094.000 -68.82%
2005 -211.334.000 37.02%
2006 58.260.000 462.74%
2007 -161.878.000 135.99%
2008 -406.358.000 60.16%
2009 81.792.000 596.82%
2010 109.155.000 25.07%
2011 133.929.000 18.5%
2012 121.402.000 -10.32%
2013 144.572.000 16.03%
2014 134.073.000 -7.83%
2015 109.435.000 -22.51%
2016 106.191.000 -3.05%
2017 115.693.000 8.21%
2018 214.100.000 45.96%
2019 110.700.000 -93.41%
2020 238.100.000 53.51%
2021 272.000.000 12.46%
2022 523.900.000 48.08%
2023 213.700.000 -145.16%
2023 391.800.000 45.46%
2024 80.100.000 -389.14%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

First Interstate BancSystem, Inc. Operating Cashflow
Year Operating Cashflow Growth
2002 66.638.000
2003 56.073.000 -18.84%
2004 65.063.000 13.82%
2005 89.534.000 27.33%
2006 60.800.000 -47.26%
2007 89.296.000 31.91%
2008 83.479.000 -6.97%
2009 81.792.000 -2.06%
2010 109.155.000 25.07%
2011 143.101.000 23.72%
2012 135.822.000 -5.36%
2013 150.225.000 9.59%
2014 121.388.000 -23.76%
2015 115.400.000 -5.19%
2016 118.070.000 2.26%
2017 154.683.000 23.67%
2018 220.200.000 29.75%
2019 127.300.000 -72.98%
2020 268.300.000 52.55%
2021 282.300.000 4.96%
2022 534.400.000 47.17%
2023 213.700.000 -150.07%
2023 420.000.000 49.12%
2024 82.200.000 -410.95%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

First Interstate BancSystem, Inc. Capital Expenditure
Year Capital Expenditure Growth
2002 133.662.000
2003 280.756.000 52.39%
2004 198.157.000 -41.68%
2005 300.868.000 34.14%
2006 2.540.000 -11745.2%
2007 251.174.000 98.99%
2008 489.837.000 48.72%
2009 0 0%
2010 0 0%
2011 9.172.000 100%
2012 14.420.000 36.39%
2013 5.653.000 -155.09%
2014 -12.685.000 144.56%
2015 5.965.000 312.66%
2016 11.879.000 49.79%
2017 38.990.000 69.53%
2018 6.100.000 -539.18%
2019 16.600.000 63.25%
2020 30.200.000 45.03%
2021 10.300.000 -193.2%
2022 10.500.000 1.9%
2023 0 0%
2023 28.200.000 100%
2024 2.100.000 -1242.86%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

First Interstate BancSystem, Inc. Equity
Year Equity Growth
1999 0
2002 243.854.000 100%
2003 274.226.000 11.08%
2004 308.326.000 11.06%
2005 349.847.000 11.87%
2006 410.375.000 14.75%
2007 444.443.000 7.67%
2008 539.062.000 17.55%
2009 574.434.000 6.16%
2010 736.802.000 22.04%
2011 771.020.000 4.44%
2012 751.186.000 -2.64%
2013 801.581.000 6.29%
2014 908.924.000 11.81%
2015 950.493.000 4.37%
2016 982.593.000 3.27%
2017 1.427.616.000 31.17%
2018 1.693.900.000 15.72%
2019 2.013.900.000 15.89%
2020 1.959.800.000 -2.76%
2021 1.986.600.000 1.35%
2022 3.073.800.000 35.37%
2023 3.227.500.000 4.76%
2023 3.085.500.000 -4.6%
2024 3.225.300.000 4.33%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

First Interstate BancSystem, Inc. Assets
Year Assets Growth
1999 0
2002 3.558.968.000 100%
2003 3.879.744.000 8.27%
2004 4.217.293.000 8%
2005 4.562.313.000 7.56%
2006 4.974.134.000 8.28%
2007 5.216.797.000 4.65%
2008 6.628.347.000 21.3%
2009 7.137.653.000 7.14%
2010 7.500.970.000 4.84%
2011 7.325.527.000 -2.39%
2012 7.721.761.000 5.13%
2013 7.564.651.000 -2.08%
2014 8.609.936.000 12.14%
2015 8.728.196.000 1.35%
2016 9.063.895.000 3.7%
2017 12.213.255.000 25.79%
2018 13.300.200.000 8.17%
2019 14.644.200.000 9.18%
2020 17.648.700.000 17.02%
2021 19.671.900.000 10.28%
2022 32.287.800.000 39.07%
2023 30.671.200.000 -5.27%
2023 30.540.800.000 -0.43%
2024 30.289.500.000 -0.83%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

First Interstate BancSystem, Inc. Liabilities
Year Liabilities Growth
1999 0
2002 3.315.114.000 100%
2003 3.605.518.000 8.05%
2004 3.908.967.000 7.76%
2005 4.212.466.000 7.2%
2006 4.563.759.000 7.7%
2007 4.772.354.000 4.37%
2008 6.089.285.000 21.63%
2009 6.563.219.000 7.22%
2010 6.764.168.000 2.97%
2011 6.554.507.000 -3.2%
2012 6.970.575.000 5.97%
2013 6.763.070.000 -3.07%
2014 7.701.012.000 12.18%
2015 7.777.703.000 0.99%
2016 8.081.302.000 3.76%
2017 10.785.639.000 25.07%
2018 11.606.300.000 7.07%
2019 12.630.300.000 8.11%
2020 15.688.900.000 19.5%
2021 17.685.300.000 11.29%
2022 29.214.000.000 39.46%
2023 27.443.700.000 -6.45%
2023 120.800.000 -22618.29%
2024 27.064.200.000 99.55%

First Interstate BancSystem, Inc. Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
7.93
Net Income per Share
2.45
Price to Earning Ratio
11.95x
Price To Sales Ratio
3.76x
POCF Ratio
8.21
PFCF Ratio
8.92
Price to Book Ratio
0.94
EV to Sales
7.14
EV Over EBITDA
36.96
EV to Operating CashFlow
15.85
EV to FreeCashFlow
16.95
Earnings Yield
0.08
FreeCashFlow Yield
0.11
Market Cap
3,07 Bil.
Enterprise Value
5,83 Bil.
Graham Number
41.59
Graham NetNet
-241.57

Income Statement Metrics

Net Income per Share
2.45
Income Quality
1.46
ROE
0.08
Return On Assets
0.01
Return On Capital Employed
0.02
Net Income per EBT
0.76
EBT Per Ebit
0.9
Ebit per Revenue
0.33
Effective Tax Rate
0.24

Margins

Sales, General, & Administrative to Revenue
0.44
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0.01
Gross Profit Margin
0.73
Operating Profit Margin
0.33
Pretax Profit Margin
0.3
Net Profit Margin
0.23

Dividends

Dividend Yield
0.06
Dividend Yield %
6.41
Payout Ratio
0.77
Dividend Per Share
1.88

Operating Metrics

Operating Cashflow per Share
3.57
Free CashFlow per Share
3.34
Capex to Operating CashFlow
0.07
Capex to Revenue
0.03
Capex to Depreciation
0.49
Return on Invested Capital
0.04
Return on Tangible Assets
0.01
Days Sales Outstanding
56.55
Days Payables Outstanding
2337.39
Days of Inventory on Hand
-44408.5
Receivables Turnover
6.45
Payables Turnover
0.16
Inventory Turnover
-0.01
Capex per Share
0.23

Balance Sheet

Cash per Share
63,74
Book Value per Share
31,33
Tangible Book Value per Share
19.66
Shareholders Equity per Share
31.33
Interest Debt per Share
41.7
Debt to Equity
1.15
Debt to Assets
0.12
Net Debt to EBITDA
17.51
Current Ratio
0.07
Tangible Asset Value
2,02 Bil.
Net Current Asset Value
-25,97 Bil.
Invested Capital
-12809200000
Working Capital
-14,45 Bil.
Intangibles to Total Assets
0.04
Average Receivables
0,13 Bil.
Average Payables
0,45 Bil.
Average Inventory
-4839350000
Debt to Market Cap
1.21

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

First Interstate BancSystem, Inc. Dividends
Year Dividends Growth
2010 0
2011 0 0%
2012 0 0%
2013 0 0%
2014 1 0%
2015 1 0%
2016 1 0%
2017 1 0%
2018 1 100%
2019 1 0%
2020 2 50%
2021 2 -100%
2022 2 0%
2023 2 0%
2024 1 0%

First Interstate BancSystem, Inc. Profile

About First Interstate BancSystem, Inc.

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.

CEO
Mr. James A. Reuter
Employee
3.585
Address
401 North 31st Street
Billings, 59116-0918

First Interstate BancSystem, Inc. Executives & BODs

First Interstate BancSystem, Inc. Executives & BODs
# Name Age
1 Ms. Rachel B. Turitto
Executive Vice President & Chief Human Resources Officer
70
2 Ms. Kristina R. Robbins
Executive Vice President & Chief Operating Officer
70
3 Mr. Michael Lugli
Chief Credit Officer
70
4 Ms. Marcy D. Mutch CPA
Executive Vice President & Chief Financial Officer
70
5 Mr. Kirk D. Jensen Esq.
Executive Vice President, General Counsel & Corporate Secretary
70
6 Mr. James A. Reuter
President & Chief Executive Officer
70
7 Ms. Lori A. Meyer
Executive Vice President & Chief Information Officer
70
8 Ms. Karlyn M. Knieriem
Executive Vice President & Chief Risk Officer
70
9 Sara Becker
Director of Marketing and Communications
70
10 Ms. Lorrie F. Asker
Executive Vice President & Chief Banking Officer
70

First Interstate BancSystem, Inc. Competitors