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First Interstate BancSystem, Inc. (FIBK)

NEUTRAL
Financial ServicesBanks - RegionalUnited States

基本面

58

价格

$36.91

市值

$3.57B

第一部分 · 这家公司值多少

概览

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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资产负债表与流动性

营收

$1.07B

最近12个月(截至2026/6/30)

净利润

$324M

最近12个月(截至2026/6/30)

自由现金流

-

股东权益合计

$3.45B

负债合计

$23.19B

流动比率

-

利息覆盖率

0.51

债务/EBITDA

-

每股收益

营收与净利润

自由现金流

收入构成

历史财务表

利润率变化

债务变化

增长一览表

增长 — 营业收入

公允价值估算

Bank合理估值

公允价值

$40.63

当前价格

$36.91

安全边际

+9.2%

公允价值区间

$38.28 - $42.98

估算方法

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
分析师共识:持有 (1B / 7H / 5S)
最近财报超预期:+33.07%

估值指标

市盈率(P/E)

11.49

ROE

8.8%

市净率(P/B)

1.07

P/FCF

-

毛利率

-

ROIC

-

盈利能力雷达图

Value Creation (Economic Moat)

ROIC

-

WACC

8.7%

ROIC − WACC

-

基本面分析标准

通过(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

未通过(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

不可用(8)

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

Piotroski F-评分

7/9

财务状况强健

score
criteria

盈利质量

0.84

中等:利润与现金之间存在一定差距

股权稀释

-0.4%

正在回购股份,对股东友好

公司治理

管理团队

姓名职位年龄
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-

审计风险

4

董事会风险

3

薪酬风险

1

股东权利风险

1

第二部分 · 价格与买入时机

这一部分不判断公司是否值得拥有:它帮助你在基本面说服你之后,选择何时买入。包含:技术分析、潜力、历史回撤、Gamma 敞口。

Latest News

Recent headlines for FIBK, sourced from Markets Gazette.

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