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First Interstate BancSystem, Inc. (FIBK)

NEUTRAL
Financial ServicesBanks - RegionalUnited States

Fundamental

58

Preço

$36.91

Capitalização de Mercado

$3.57B

Parte 1 · Quanto vale a empresa

Visão Geral

First Interstate BancSystem, Inc. operates as a bank holding company for First Interstate Bank that provides a range of banking products and services in the United States. The company offers various traditional depository products, including checking, savings, and time deposits; and repurchase agreements primarily for commercial and municipal depositors. It also provides a range of trust, employee benefit, investment management, insurance, agency, and custodial services, including administration of estates and personal trusts; manages investment accounts for individuals; employee benefit plans and charitable foundations; and insurance planning. The company's loan portfolio includes real estate loans, such as commercial real estate, construction, residential, agricultural, and other real estate loans; consumer loans, including 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 offers marketing, credit review, loan servicing, credit cards servicing, mortgage loan sales and servicing, indirect consumer loan and processing, loan collection services, other operational, and specialized staff support services, as well as online and mobile banking services. The company serves individuals, businesses, municipalities, and other entities in various industries, including agriculture, construction, education, governmental services, healthcare, hospitality, housing, professional services, real estate development, retail, technology, tourism, and wholesale trade. First Interstate BancSystem, Inc. was formerly known as First Interstate Bancsystem Of Montana, Inc. and changed its name to First Interstate BancSystem, Inc. in June 1993. The company was founded in 1879 and is headquartered in Billings, Montana.

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Who this company fights with for the same customers

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Balanço & Liquidez

Receita

$1.07B

Últimos 12 meses (até 30/06/2026)

Resultado Líquido

$324M

Últimos 12 meses (até 30/06/2026)

Fluxo de Caixa Livre

-

Capital Próprio Total

$3.45B

Passivo Total

$23.19B

Rácio de Liquidez

-

Cobertura de Juros

0.51

Dívida/EBITDA

-

Resultados Por Ação

Receita & Resultado Líquido

Fluxo de Caixa Livre

Decomposição dos Resultados

Demonstração histórica

Margens ao longo do tempo

A dívida ao longo do tempo

Grelha do crescimento

Crescimento — Receitas

Estimativa de Valor Justo

BankJustamente Valorizada

Valor Justo

$40.63

Preço Atual

$36.91

Margem de Segurança

+9.2%

Intervalo de Valor Justo

$38.28 - $42.98

Métodos de Estimativa

Analyst price target:$37.50
Discounted cash flow (DCF):Not applicable to this type of company
Earnings multiple (P/E):$44.15
Graham growth formula:Not applicable to this type of company
Earnings power value (EPV):Not applicable to this type of company
Justified P/B:$41.77
Dividend discount (Gordon):$38.96
P/FFO, funds from operations:Not applicable to this type of company
Mid-cycle earnings:Not applicable to this type of company
Revenue multiple:Not applicable to this type of company
Consenso dos Analistas:Manter (1B / 7H / 5S)
Última Surpresa de Resultados:+33.07%

Métricas de Avaliação

Rácio P/E

11.49

ROE

8.8%

Rácio P/B

1.07

P/FCF

-

Margem Bruta

-

ROIC

-

Radar de Rentabilidade

Value Creation (Economic Moat)

ROIC

-

WACC

8.7%

ROIC − WACC

-

Critérios de Análise Fundamental

Aprovado (12)

  • EPS shows upward trend
  • P/B Ratio 1.07
  • Operating Margin 39.0%
  • Low reliance on intangibles
  • Price below Graham Number
  • ROE 9.6%
  • Revenue Growth 5Y 22.0%
  • Earnings Surprise avg 26.9%
  • Earnings Quality (OCF/NI) 0.84
  • Share Dilution -0.4%
  • Net Margin Trend 30.3% vs 22.8%
  • Piotroski F-Score 7/9

Reprovado (8)

  • EPS CAGR 3.92%
  • Price CAGR -1.26%
  • Debt/Equity ratio
  • Interest Coverage
  • Return on Tangible Assets
  • DCF valuation (Unknown)
  • Analyst Consensus 8% Buy
  • PEG Ratio 3.77

Indisponível (8)

  • ROIC NaN%
  • Gross Margin NaN%
  • P/FCF NaN
  • Dividend Payout NaN%
  • Positive Free Cash Flow
  • CapEx intensity
  • Current Ratio
  • Debt/EBITDA

Piotroski F-Score

7/9

Saúde financeira sólida

score
criteria

Qualidade dos Resultados

0.84

Moderada: alguma diferença entre lucros e caixa

Diluição de Ações

-0.4%

A recomprar ações. Favorável ao acionista

Governação

Equipa Executiva

NomeCargoIdade
Mr. James A. ReuterPresident, CEO & Director60
Mr. David P. Della Camera C.F.A.Executive VP & CFO31
Ms. Lori A. MeyerExecutive VP & Chief Information Officer47
Sara BeckerDirector of Marketing and Communications-
Ms. Rachel B. TurittoExecutive VP & Chief Human Resources Officer-
Ms. Tawnya SchoolitzInterim Chief Risk Officer-
Mr. Dale DaughertyChief Information Security Officer-
Mr. Christopher L. SheplerExecutive VP & Chief Banking Officer49
Ms. Leslie A. ScharfeChief of Staff-
Mr. Ryan J. BoscheeExecutive VP & Chief Credit Officer-

Risco de Auditoria

4

Risco do Conselho

3

Risco de Remuneração

1

Risco dos Direitos dos Acionistas

1

Parte 2 · O preço e o momento de entrar

Esta parte não serve para saber se a empresa vale: serve para escolher quando comprá-la, depois que os fundamentos te convenceram. Dentro: análise técnica, potencial, quedas históricas, exposição gama.

Latest News

Recent headlines for FIBK, sourced from Markets Gazette.

No recent news for FIBK.