First Interstate BancSystem, Inc.(FIBK)Earnings, Financials & Key Ratios

FIBK•NASDAQ•Banking & Credit

12.4× P/E·Price updated Jun 19, 2026

SectorFinancial Services IndustryRegional Banks Sub-IndustryCommunity and retail regional banks

AboutFirst 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.Show more

Net Interest Income$825M+0.5%
Total Revenue$1.06B-28.5%
Net Income$302M+33.7%
Return on Equity8.95%+29.3%
Net Interest Margin3.1%+9.9%
Efficiency Ratio60.46%+40.4%
ROA1.08%+43.3%
Equity / Assets12.94%+14.1%
Book Value per Share33.52+4.7%

FIBK Key Insights

First Interstate BancSystem, Inc. (FIBK) fundamental analysis — strengths, weaknesses & financial health based on data analysis

✓Strengths

✓Strong Piotroski F-Score: 7/9
✓Well capitalized: 12.9% equity/assets
✓Healthy dividend yield of 5.2%
✓Trading at only 1.1x book value

✗Weaknesses

No significant weaknesses identified

* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.

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FIBK Price & Volume

First Interstate BancSystem, Inc. (FIBK) stock price & volume — 10-year historical chart

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FIBK Growth Metrics

First Interstate BancSystem, Inc. (FIBK) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years10.11%

5 Years9.24%

3 Years-3.69%

TTM-

Profit CAGR

10 Years13.28%

5 Years13.39%

3 Years14.32%

TTM33.67%

EPS CAGR

10 Years4.46%

5 Years3.05%

3 Years14.47%

TTM34.7%

Return on Capital

10 Years10.2%

5 Years8.57%

3 Years7.44%

Last Year4.31%

FIBK Recent Earnings

First Interstate BancSystem, Inc. (FIBK) EPS & revenue vs analyst estimates — last 4 quarters

Full history →

●Beat EPS 8/12 qtrs (67%)●Beat Revenue 3/12 qtrs (25%)

Q2 2026Latest

Apr 29, 2026

Metric

Actual

Est

EPS

$0.61+1.7%

$0.60

Rev

$242M-0.4%

$243M

Q1 2026

Jan 28, 2026

Metric

Actual

Est

EPS

$1.08+68.8%

$0.64

Rev

$313M+21.0%

$259M

Q4 2025

Oct 29, 2025

Metric

Actual

Est

EPS

$0.69+16.9%

$0.59

Rev

$251M-1.3%

$254M

Q3 2025

Jul 29, 2025

Metric

Actual

Est

EPS

$0.69+21.1%

$0.57

Rev

$248M-4.0%

$259M

Quarter	Date	EPS (Act vs Est)	Revenue (Act vs Est)
Q2 2026Latest	Apr 29, 2026	$0.61vs $0.60+1.7%	$242Mvs $243M-0.4%
Q1 2026	Jan 28, 2026	$1.08vs $0.64+68.8%	$313Mvs $259M+21.0%
Q4 2025	Oct 29, 2025	$0.69vs $0.59+16.9%	$251Mvs $254M-1.3%
Q3 2025	Jul 29, 2025	$0.69vs $0.57+21.1%	$248Mvs $259M-4.0%

Based on last 12 quarters of dataView full earnings history →

Company	Market Cap	Stock Price	P/E Ratio (TTM)	Revenue Growth 1Y	Net Margin	Return on Equity (ROE)	Debt / Equity
GBCIGlacier Bancorp, Inc.Direct Competitor	6.3B	48.43	24.34	14.48%	16.77%	6.53%	0.69
WAFDWaFd, Inc.Direct Competitor	2.81B	36.48	13.87	-1.58%	17.46%	8.02%	0.60
COLBColumbia Banking System, Inc.Direct Competitor	7.27B	30.55	13.28	8.35%	17.11%	8.39%	0.51
BANRBanner CorporationDirect Competitor	2.2B	64.83	11.49	-0.95%	23.84%	10.34%	0.19
NWBINorthwest Bancshares, Inc.Direct Competitor	2.12B	14.48	15.74	16.3%	14.37%	7.18%	0.24
UMBFUMB Financial CorporationProduct Competitor	10.13B	133.06	14.57	68.52%	19.79%	11.67%	0.49
BOKFBOK Financial CorporationProduct Competitor	7.92B	130.33	14.20	-1.07%	17.38%	9.79%	0.78
WTFCWintrust Financial CorporationProduct Competitor	10.39B	154.11	13.33	6.66%	19.48%	11.71%	0.62

Compare FIBK vs Peers

First Interstate BancSystem, Inc. (FIBK) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs GBCI

Most directly comparable listed peer for FIBK.

Scale Benchmark

vs V

Larger-name benchmark to compare FIBK against a more recognizable public peer.

Peer Set

Compare Top 5

vs GBCI, WAFD, COLB, BANR

FIBK Income Statement

First Interstate BancSystem, Inc. (FIBK) annual income statement — 10-year revenue, gross profit & net income history

10Y historyFree accessUpdated daily

Metric	Dec'17	Dec'18	Dec'19	Dec'20	Dec'21	Dec'22	Dec'23	Dec'24	Dec'25
Net Interest Income	349.8M	432.5M	495M	497.8M	489.2M	942.6M	878.8M	821.6M	825.4M
NII Growth %	25.02%	23.64%	14.45%	0.57%	-1.73%	92.68%	-6.77%	-6.51%	0.46%
Net Interest Margin %	2.86%	3.25%	3.38%	2.82%	2.49%	2.92%	2.87%	2.82%	3.1%
Interest Income	377.8M	473.4M	554M	524.4M	506.5M	1.02B	1.28B	1.3B	1.18B
Interest Expense	27.93M	40.9M	59M	26.6M	17.3M	78.9M	401.3M	480.9M	352.6M
Loan Loss Provision	11.07M	8.6M	13.9M	56.9M	-14.6M	82.7M	32.2M	67.8M	-325.8M
Non-Interest Income	141.8M	138.8M	142.6M	155.9M	149.5M	163.2M	147M	178.1M	-119.7M
Non-Interest Income %	27.29%	22.67%	20.47%	22.92%	22.79%	13.78%	10.3%	12.03%	-11.31%
Total Revenue	519.6M▲ 0%	612.2M▲ 17.8%	696.6M▲ 13.8%	680.3M▼ 2.3%	656M▼ 3.6%	1.18B▲ 80.6%	1.43B▲ 20.5%	1.48B▲ 3.7%	1.06B▼ 28.5%
Revenue Growth %	20.92%	17.82%	13.79%	-2.34%	-3.57%	80.59%	20.46%	3.75%	-28.52%
Non-Interest Expense	323.9M	356.4M	388.6M	387.5M	405.5M	766M	656.8M	637.4M	639.8M
Efficiency Ratio	62.34%	58.22%	55.79%	56.96%	61.81%	64.66%	46.02%	43.05%	60.46%
Operating Income	156.7M▲ 0%	206.3M▲ 31.7%	235.1M▲ 14.0%	209.3M▼ 11.0%	247.8M▲ 18.4%	257.1M▲ 3.8%	336.8M▲ 31.0%	294.5M▼ 12.6%	391.7M▲ 33.0%
Operating Margin %	30.16%	33.7%	33.75%	30.77%	37.77%	21.7%	23.6%	19.89%	37.01%
Operating Income Growth %	7.85%	31.65%	13.96%	-10.97%	18.39%	3.75%	31%	-12.56%	33.01%
Pretax Income	156.72M▲ 0%	206.3M▲ 31.6%	235.1M▲ 14.0%	209.3M▼ 11.0%	247.8M▲ 18.4%	257.1M▲ 3.8%	336.8M▲ 31.0%	294.5M▼ 12.6%	391.7M▲ 33.0%
Pretax Margin %	30.16%	33.7%	33.75%	30.77%	37.77%	21.7%	23.6%	19.89%	37.01%
Income Tax	50.2M	46.1M	54.1M	48.1M	55.7M	54.9M	79.3M	68.5M	89.6M
Effective Tax Rate %	32.03%	22.35%	23.01%	22.98%	22.48%	21.35%	23.55%	23.26%	22.87%
Net Income	106.5M▲ 0%	160.2M▲ 50.4%	181M▲ 13.0%	161.2M▼ 10.9%	192.1M▲ 19.2%	202.2M▲ 5.3%	257.5M▲ 27.3%	226M▼ 12.2%	302.1M▲ 33.7%
Net Margin %	20.5%	26.17%	25.98%	23.7%	29.28%	17.07%	18.04%	15.26%	28.55%
Net Income Growth %	11.29%	50.42%	12.98%	-10.94%	19.17%	5.26%	27.35%	-12.23%	33.67%
Net Income (Continuing)	106.52M	160.2M	181M	161.2M	192.1M	202.2M	257.5M	226M	302.1M
EPS (Diluted)	2.05▲ 0%	2.75▲ 34.1%	2.83▲ 2.9%	2.53▼ 10.6%	3.11▲ 22.9%	1.96▼ 37.0%	2.48▲ 26.5%	2.19▼ 11.7%	2.94▲ 34.2%
EPS Growth %	-3.76%	34.15%	2.91%	-10.6%	22.92%	-36.98%	26.53%	-11.69%	34.25%
EPS (Basic)	2.07	2.77	2.84	2.53	3.12	1.96	2.48	2.19	2.95
Diluted Shares Outstanding	51.9M	58.22M	63.88M	63.73M	61.74M	103.34M	103.78M	103.19M	102.83M

FIBK Balance Sheet

First Interstate BancSystem, Inc. (FIBK) balance sheet — assets, liabilities & shareholders' equity

Metric	Dec'17	Dec'18	Dec'19	Dec'20	Dec'21	Dec'22	Dec'23	Dec'24	Dec'25
Cash & Short Term Investments	2.97B	3.09B	4.04B	6.29B	7.17B	7.82B	6.42B	960.4M	358.2M
Cash & Due from Banks	758.8M	821.9M	1.08B	2.28B	2.34B	870.4M	577.9M	896.5M	358.2M
Short Term Investments	2.21B	2.27B	2.96B	4.01B	4.82B	6.95B	5.84B	63.9M	0
Total Investments	10.24B	11.11B	12.01B	13.8B	15.75B	28.36B	27.15B	25.39B	23.8B
Investments Growth %	35.99%	8.53%	8.13%	14.87%	14.13%	80.07%	-4.26%	-6.49%	-6.24%
Long-Term Investments	8.03B	8.84B	9.05B	9.79B	10.93B	21.41B	21.31B	25.32B	23.8B
Accounts Receivables	38M	44.9M	46.7M	51.1M	47.4M	118.3M	129.1M	116.8M	0
Goodwill & Intangibles	518.6M	631.3M	713.9M	696.8M	691.1M	1.23B	1.21B	1.19B	1.15B
Goodwill	444.7M	546.7M	621.6M	621.6M	621.6M	1.1B	1.1B	1.1B	1.1B
Intangible Assets	73.9M	84.6M	92.3M	75.2M	69.5M	128.1M	109.7M	92.5M	53.3M
PP&E (Net)	241.86M	245.2M	306M	312.3M	299.6M	444.7M	444.3M	427.2M	406.6M
Other Assets	416.6M	448.7M	490M	514.3M	541.5M	1.06B	1.01B	998.8M	757.6M
Total Current Assets	3.01B	3.14B	4.08B	6.34B	7.21B	7.93B	6.55B	1.08B	460.8M
Total Non-Current Assets	9.21B	10.16B	10.56B	11.31B	12.46B	24.35B	24.12B	28.06B	26.18B
Total Assets	12.21B▲ 0%	13.3B▲ 8.9%	14.64B▲ 10.1%	17.65B▲ 20.5%	19.67B▲ 11.5%	32.29B▲ 64.1%	30.67B▼ 5.0%	29.14B▼ 5.0%	26.64B▼ 8.6%
Asset Growth %	34.75%	8.9%	10.11%	20.52%	11.46%	64.13%	-5.01%	-5%	-8.57%
Return on Assets (ROA)	1%	1.26%	1.3%	1%	1.03%	0.78%	0.82%	0.76%	1.08%
Accounts Payable	92.2M	101.9M	141.7M	150.2M	152.1M	460.4M	432.6M	425.9M	0
Total Debt	758.6M	815.1M	798.4M	1.29B	1.25B	3.66B	3.67B	2.39B	775.7M
Net Debt	-200K	-6.8M	-278.3M	-985.9M	-1.09B	2.79B	3.09B	1.49B	417.5M
Long-Term Debt	114.2M	101.4M	99.6M	198.3M	198.4M	282.9M	283M	294.5M	296.1M
Short-Term Debt	643M	712.4M	697.6M	1.09B	1.05B	3.38B	3.39B	2.09B	479.6M
Other Liabilities	0	0	0	3.7M	3.8M	16.2M	18.4M	5.2M	10.81B
Total Current Liabilities	10.67B	11.49B	12.5B	15.46B	17.47B	28.91B	27.14B	25.53B	12.09B
Total Non-Current Liabilities	115.61M	111.3M	127.5M	230.3M	212.5M	300.1M	302.3M	300.5M	11.11B
Total Liabilities	10.79B	11.61B	12.63B	15.69B	17.69B	29.21B	27.44B	25.83B	23.19B
Total Equity	1.43B▲ 0%	1.69B▲ 18.7%	2.01B▲ 18.9%	1.96B▼ 2.7%	1.99B▲ 1.4%	3.07B▲ 54.7%	3.23B▲ 5.0%	3.3B▲ 2.4%	3.45B▲ 4.3%
Equity Growth %	45.29%	18.65%	18.89%	-2.69%	1.37%	54.73%	5%	2.37%	4.33%
Equity / Assets (Capital Ratio)	11.69%	12.74%	13.75%	11.1%	10.1%	9.52%	10.52%	11.34%	12.94%
Return on Equity (ROE)	8.84%	10.26%	9.76%	8.11%	9.74%	7.99%	8.17%	6.92%	8.95%
Book Value per Share	27.51	29.10	31.52	30.75	32.18	29.74	31.10	32.02	33.52
Tangible BV per Share	17.51	18.25	20.35	19.82	20.98	17.85	19.43	20.45	22.30
Common Stock	686.99M	866.7M	1.05B	941.1M	945M	2.48B	2.45B	2.46B	2.35B
Additional Paid-in Capital	0	0	0	0	0	0	0	0	0
Retained Earnings	752.59M	851.8M	953.6M	962.1M	1.05B	1.07B	1.14B	1.17B	1.27B
Accumulated OCI	-12M	-24.6M	11M	56.6M	-11M	-477.1M	-356.5M	-321.9M	-178.1M
Treasury Stock	0	0	0	0	0	0	0	0	0
Preferred Stock	0	0	0	0	0	0	0	0	0

FIBK Cash Flow Statement

First Interstate BancSystem, Inc. (FIBK) cash flow — operating, investing & free cash flow history

Metric	Dec'17	Dec'18	Dec'19	Dec'20	Dec'21	Dec'22	Dec'23	Dec'24	Dec'25
Cash from Operations	154.6M	219M	127.3M	268.3M	282.3M	534.4M	428M	355M	305.6M
Operating CF Growth %	31.02%	41.66%	-41.87%	110.76%	5.22%	89.3%	-19.91%	-17.06%	-13.92%
Net Income	106.5M	160.2M	181M	161.2M	192.1M	202.2M	257.5M	226M	302.1M
Depreciation & Amortization	18.4M	27.6M	38.7M	45.1M	44.4M	55.5M	53.8M	57M	50.8M
Deferred Taxes	20.9M	15.8M	5.4M	-6.6M	5M	-4.7M	20.4M	21.3M	11.3M
Other Non-Cash Items	33.89M	19.1M	-62.7M	88.2M	48.3M	131M	55.3M	54.1M	-37.3M
Working Capital Changes	-29M	-9.3M	-43.1M	-27.1M	-16.4M	140.8M	36.3M	-15.2M	-34.6M
Cash from Investing	-130.6M	-181.1M	-16.8M	-1.87B	-2.12B	-949M	1.25B	1.76B	2.31B
Purchase of Investments	-627.1M	-543M	-1.27B	-2.44B	-3.96B	-4.17B	-134.7M	-102.2M	-1.44B
Sale/Maturity of Investments	523.63M	539.3M	1.01B	1.49B	1.38B	2.3B	1.62B	1.45B	1.74B
Net Investment Activity	-103.47M	-3.7M	-255.8M	-952.2M	-2.58B	-1.87B	1.48B	1.35B	302.8M
Acquisitions	91.78M	28.1M	298.4M	0	0	2.01B	0	0	0
Other Investing	-79.9M	-200.6M	-42.8M	-879.5M	468.8M	-1.07B	-201.7M	435.1M	2.04B
Cash from Financing	-47.1M	25.2M	144.3M	2.8B	1.91B	-1.06B	-1.97B	-1.8B	-2.2B
Dividends Paid	-48.6M	-64.1M	-79.2M	-128.6M	-101.6M	-182.1M	-195.1M	-195.9M	-194.3M
Share Repurchases	-1.3M	-1M	-2.5M	-116.8M	-5.4M	-199M	-34M	-1.2M	-121.9M
Stock Issued	2.4M	1.8M	1M	1.1M	400K	100K	0	0	0
Net Stock Activity	1.1M	800K	-1.5M	-115.7M	-5M	-198.9M	-34M	-1.2M	-121.9M
Debt Issuance (Net)	1000K	-1000K	-1000K	1000K	0	1000K	1000K	-1000K	-1000K
Other Financing	-4.8M	118.9M	231M	2.95B	2.01B	-2.86B	-2.02B	-566.3M	-332.8M
Net Change in Cash	-23.1M▲ 0%	63.1M▲ 373.2%	254.8M▲ 303.8%	1.2B▲ 371.0%	68M▼ 94.3%	-1.47B▼ 2268.1%	-292.5M▲ 80.2%	318.6M▲ 208.9%	413.1M▲ 29.7%
Exchange Rate Effect	0	0	0	0	0	0	0	0	0
Cash at Beginning	782.02M	758.9M	822M	1.08B	2.28B	2.34B	870.5M	578M	896.6M
Cash at End	758.99M	822M	1.08B	2.28B	2.34B	870.5M	578M	896.6M	1.31B
Interest Paid	27.8M	38.7M	54.7M	32.9M	19.3M	32M	363.6M	475.7M	362.4M
Income Taxes Paid	28.8M	25.3M	51.2M	54.4M	56.8M	57.8M	51.2M	34.3M	36.6M
Free Cash Flow	115.69M▲ 0%	214.1M▲ 85.1%	110.7M▼ 48.3%	238.1M▲ 115.1%	272M▲ 14.2%	523.9M▲ 92.6%	399.8M▼ 23.7%	332M▼ 17.0%	277.8M▼ 16.3%
FCF Growth %	8.95%	85.06%	-48.3%	115.09%	14.24%	92.61%	-23.69%	-16.96%	-16.33%

FIBK Banking Ratios

First Interstate BancSystem, Inc. (FIBK) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios

Metric	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025
Return on Equity (ROE)	9.9%	8.84%	10.26%	9.76%	8.11%	9.74%	7.99%	8.17%	6.92%	8.95%
Return on Assets (ROA)	1.08%	1%	1.26%	1.3%	1%	1.03%	0.78%	0.82%	0.76%	1.08%
Net Interest Margin	3.09%	2.86%	3.25%	3.38%	2.82%	2.49%	2.92%	2.87%	2.82%	3.1%
Efficiency Ratio	59.76%	62.34%	58.22%	55.79%	56.96%	61.81%	64.66%	46.02%	43.05%	60.46%
Equity / Assets	10.84%	11.69%	12.74%	13.75%	11.1%	10.1%	9.52%	10.52%	11.34%	12.94%
Book Value / Share	21.88	27.51	29.1	31.52	30.75	32.18	29.74	31.1	32.02	33.52
NII Growth	5.84%	25.02%	23.64%	14.45%	0.57%	-1.73%	92.68%	-6.77%	-6.51%	0.46%
Dividend Payout	41.17%	45.63%	40.01%	43.76%	79.78%	52.89%	90.06%	75.77%	86.68%	64.32%

FIBK SEC Filings & Documents

First Interstate BancSystem, Inc. (FIBK) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

Material company update

Apr 29, 2026·SEC

Material company update

Jan 28, 2026·SEC

Material company update

Nov 18, 2025·SEC

10-K Annual Reports

FY 2026

Feb 26, 2026·SEC

FY 2025

Feb 28, 2025·SEC

FY 2024

Feb 29, 2024·SEC

10-Q Quarterly Reports

FY 2025

Nov 6, 2025·SEC

FY 2025

Aug 6, 2025·SEC

FY 2025

May 7, 2025·SEC

FIBK Frequently Asked Questions

First Interstate BancSystem, Inc. (FIBK) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials

First Interstate BancSystem, Inc. (FIBK) saw revenue decline by 28.5% over the past year.

Yes, First Interstate BancSystem, Inc. (FIBK) is profitable, generating $302.1M in net income for fiscal year 2025 (28.5% net margin).

Dividend & Returns

Yes, First Interstate BancSystem, Inc. (FIBK) pays a dividend with a yield of 5.19%. This makes it attractive for income-focused investors.

First Interstate BancSystem, Inc. (FIBK) has a return on equity (ROE) of 8.9%. This is below average, suggesting room for improvement.

Industry Metrics

First Interstate BancSystem, Inc. (FIBK) has a net interest margin (NIM) of 3.1%. This indicates healthy earnings from lending activities.

First Interstate BancSystem, Inc. (FIBK) has an efficiency ratio of 60.5%. This is reasonable for a bank.

What if you invested $1,000 in FIBK back in 2002?

Total return calculator · dividends reinvested · 24+ years of data

See returns →

How much would $100/month in FIBK be worth today?

Dollar cost averaging calculator · DCA vs lump sum

Calculate →

Quarter

Date

EPS (Act vs Est)

Revenue (Act vs Est)

Q2 2026Latest

Apr 29, 2026

$0.61vs $0.60+1.7%

$242Mvs $243M-0.4%

Q1 2026

Jan 28, 2026

$1.08vs $0.64+68.8%

$313Mvs $259M+21.0%

Q4 2025

Oct 29, 2025

$0.69vs $0.59+16.9%

$251Mvs $254M-1.3%

Q3 2025

Jul 29, 2025

$0.69vs $0.57+21.1%

$248Mvs $259M-4.0%

Metric

Dec'17

Dec'18

Dec'19

Dec'20

Dec'21

Dec'22

Dec'23

Dec'24

Dec'25

Net Interest Income

349.8M

432.5M

495M

497.8M

489.2M

942.6M

878.8M

821.6M

825.4M

NII Growth %

25.02%

23.64%

14.45%

0.57%

-1.73%

92.68%

-6.77%

-6.51%

0.46%

Net Interest Margin %

2.86%

3.25%

3.38%

2.82%

2.49%

2.92%

2.87%

2.82%

3.1%

Interest Income

377.8M

473.4M

554M

524.4M

506.5M

1.02B

1.28B

1.3B

1.18B

Interest Expense

27.93M

40.9M

59M

26.6M

17.3M

78.9M

401.3M

480.9M

352.6M

Loan Loss Provision

11.07M

8.6M

13.9M

56.9M

-14.6M

82.7M

32.2M

67.8M

-325.8M

Non-Interest Income

141.8M

138.8M

142.6M

155.9M

149.5M

163.2M

147M

178.1M

-119.7M

Non-Interest Income %

27.29%

22.67%

20.47%

22.92%

22.79%

13.78%

10.3%

12.03%

-11.31%

Total Revenue

519.6M▲ 0%

612.2M▲ 17.8%

696.6M▲ 13.8%

680.3M▼ 2.3%

656M▼ 3.6%

1.18B▲ 80.6%

1.43B▲ 20.5%

1.48B▲ 3.7%

1.06B▼ 28.5%

Revenue Growth %

20.92%

17.82%

13.79%

-2.34%

-3.57%

80.59%

20.46%

3.75%

-28.52%

Non-Interest Expense

323.9M

356.4M

388.6M

387.5M

405.5M

766M

656.8M

637.4M

639.8M

Efficiency Ratio

62.34%

58.22%

55.79%

56.96%

61.81%

64.66%

46.02%

43.05%

60.46%

Operating Income

156.7M▲ 0%

206.3M▲ 31.7%

235.1M▲ 14.0%

209.3M▼ 11.0%

247.8M▲ 18.4%

257.1M▲ 3.8%

336.8M▲ 31.0%

294.5M▼ 12.6%

391.7M▲ 33.0%

Operating Margin %

30.16%

33.7%

33.75%

30.77%

37.77%

21.7%

23.6%

19.89%

37.01%

Operating Income Growth %

7.85%

31.65%

13.96%

-10.97%

18.39%

3.75%

31%

-12.56%

33.01%

Pretax Income

156.72M▲ 0%

206.3M▲ 31.6%

235.1M▲ 14.0%

209.3M▼ 11.0%

247.8M▲ 18.4%

257.1M▲ 3.8%

336.8M▲ 31.0%

294.5M▼ 12.6%

391.7M▲ 33.0%

Pretax Margin %

30.16%

33.7%

33.75%

30.77%

37.77%

21.7%

23.6%

19.89%

37.01%

Income Tax

50.2M

46.1M

54.1M

48.1M

55.7M

54.9M

79.3M

68.5M

89.6M

Effective Tax Rate %

32.03%

22.35%

23.01%

22.98%

22.48%

21.35%

23.55%

23.26%

22.87%

Net Income

106.5M▲ 0%

160.2M▲ 50.4%

181M▲ 13.0%

161.2M▼ 10.9%

192.1M▲ 19.2%

202.2M▲ 5.3%

257.5M▲ 27.3%

226M▼ 12.2%

302.1M▲ 33.7%

Net Margin %

20.5%

26.17%

25.98%

23.7%

29.28%

17.07%

18.04%

15.26%

28.55%

Net Income Growth %

11.29%

50.42%

12.98%

-10.94%

19.17%

5.26%

27.35%

-12.23%

33.67%

Net Income (Continuing)

106.52M

160.2M

181M

161.2M

192.1M

202.2M

257.5M

226M

302.1M

EPS (Diluted)

2.05▲ 0%

2.75▲ 34.1%

2.83▲ 2.9%

2.53▼ 10.6%

3.11▲ 22.9%

1.96▼ 37.0%

2.48▲ 26.5%

2.19▼ 11.7%

2.94▲ 34.2%

EPS Growth %

-3.76%

34.15%

2.91%

-10.6%

22.92%

-36.98%

26.53%

-11.69%

34.25%

EPS (Basic)

2.07

2.77

2.84

2.53

3.12

1.96

2.48

2.19

2.95

Diluted Shares Outstanding

51.9M

58.22M

63.88M

63.73M

61.74M

103.34M

103.78M

103.19M

102.83M

Metric

Dec'17

Dec'18

Dec'19

Dec'20

Dec'21

Dec'22

Dec'23

Dec'24

Dec'25

Cash & Short Term Investments

2.97B

3.09B

4.04B

6.29B

7.17B

7.82B

6.42B

960.4M

358.2M

Cash & Due from Banks

758.8M

821.9M

1.08B

2.28B

2.34B

870.4M

577.9M

896.5M

358.2M

Short Term Investments

2.21B

2.27B

2.96B

4.01B

4.82B

6.95B

5.84B

63.9M

Total Investments

10.24B

11.11B

12.01B

13.8B

15.75B

28.36B

27.15B

25.39B

23.8B

Investments Growth %

35.99%

8.53%

8.13%

14.87%

14.13%

80.07%

-4.26%

-6.49%

-6.24%

Long-Term Investments

8.03B

8.84B

9.05B

9.79B

10.93B

21.41B

21.31B

25.32B

23.8B

Accounts Receivables

38M

44.9M

46.7M

51.1M

47.4M

118.3M

129.1M

116.8M

Goodwill & Intangibles

518.6M

631.3M

713.9M

696.8M

691.1M

1.23B

1.21B

1.19B

1.15B

Goodwill

444.7M

546.7M

621.6M

1.1B

Intangible Assets

73.9M

84.6M

92.3M

75.2M

69.5M

128.1M

109.7M

92.5M

53.3M

PP&E (Net)

241.86M

245.2M

306M

312.3M

299.6M

444.7M

444.3M

427.2M

406.6M

Other Assets

416.6M

448.7M

490M

514.3M

541.5M

1.06B

1.01B

998.8M

757.6M

Total Current Assets

3.01B

3.14B

4.08B

6.34B

7.21B

7.93B

6.55B

1.08B

460.8M

Total Non-Current Assets

9.21B

10.16B

10.56B

11.31B

12.46B

24.35B

24.12B

28.06B

26.18B

Total Assets

12.21B▲ 0%

13.3B▲ 8.9%

14.64B▲ 10.1%

17.65B▲ 20.5%

19.67B▲ 11.5%

32.29B▲ 64.1%

30.67B▼ 5.0%

29.14B▼ 5.0%

26.64B▼ 8.6%

Asset Growth %

34.75%

8.9%

10.11%

20.52%

11.46%

64.13%

-5.01%

-5%

-8.57%

Return on Assets (ROA)

1.26%

1.3%

1.03%

0.78%

0.82%

0.76%

1.08%

Accounts Payable

92.2M

101.9M

141.7M

150.2M

152.1M

460.4M

432.6M

425.9M

Total Debt

758.6M

815.1M

798.4M

1.29B

1.25B

3.66B

3.67B

2.39B

775.7M

Net Debt

-200K

-6.8M

-278.3M

-985.9M

-1.09B

2.79B

3.09B

1.49B

417.5M

Long-Term Debt

114.2M

101.4M

99.6M

198.3M

198.4M

282.9M

283M

294.5M

296.1M

Short-Term Debt

643M

712.4M

697.6M

1.09B

1.05B

3.38B

3.39B

2.09B

479.6M

Other Liabilities

3.7M

3.8M

16.2M

18.4M

5.2M

10.81B

Total Current Liabilities

10.67B

11.49B

12.5B

15.46B

17.47B

28.91B

27.14B

25.53B

12.09B

Total Non-Current Liabilities

115.61M

111.3M

127.5M

230.3M

212.5M

300.1M

302.3M

300.5M

11.11B

Total Liabilities

10.79B

11.61B

12.63B

15.69B

17.69B

29.21B

27.44B

25.83B

23.19B

Total Equity

1.43B▲ 0%

1.69B▲ 18.7%

2.01B▲ 18.9%

1.96B▼ 2.7%

1.99B▲ 1.4%

3.07B▲ 54.7%

3.23B▲ 5.0%

3.3B▲ 2.4%

3.45B▲ 4.3%

Equity Growth %

45.29%

18.65%

18.89%

-2.69%

1.37%

54.73%

2.37%

4.33%

Equity / Assets (Capital Ratio)

11.69%

12.74%

13.75%

11.1%

10.1%

9.52%

10.52%

11.34%

12.94%

Return on Equity (ROE)

8.84%

10.26%

9.76%

8.11%

9.74%

7.99%

8.17%

6.92%

8.95%

Book Value per Share

27.51

29.10

31.52

30.75

32.18

29.74

31.10

32.02

33.52

Tangible BV per Share

17.51

18.25

20.35

19.82

20.98

17.85

19.43

20.45

22.30

Common Stock

686.99M

866.7M

1.05B

941.1M

945M

2.48B

2.45B

2.46B

2.35B

Additional Paid-in Capital

Retained Earnings

752.59M

851.8M

953.6M

962.1M

1.05B

1.07B

1.14B

1.17B

1.27B

Accumulated OCI

-12M

-24.6M

11M

56.6M

-11M

-477.1M

-356.5M

-321.9M

-178.1M

Treasury Stock

Preferred Stock

Metric

Dec'17

Dec'18

Dec'19

Dec'20

Dec'21

Dec'22

Dec'23

Dec'24

Dec'25

Cash from Operations

154.6M

219M

127.3M

268.3M

282.3M

534.4M

428M

355M

305.6M

Operating CF Growth %

31.02%

41.66%

-41.87%

110.76%

5.22%

89.3%

-19.91%

-17.06%

-13.92%

Net Income

106.5M

160.2M

181M

161.2M

192.1M

202.2M

257.5M

226M

302.1M

Depreciation & Amortization

18.4M

27.6M

38.7M

45.1M

44.4M

55.5M

53.8M

57M

50.8M

Deferred Taxes

20.9M

15.8M

5.4M

-6.6M

-4.7M

20.4M

21.3M

11.3M

Other Non-Cash Items

33.89M

19.1M

-62.7M

88.2M

48.3M

131M

55.3M

54.1M

-37.3M

Working Capital Changes

-29M

-9.3M

-43.1M

-27.1M

-16.4M

140.8M

36.3M

-15.2M

-34.6M

Cash from Investing

-130.6M

-181.1M

-16.8M

-1.87B

-2.12B

-949M

1.25B

1.76B

2.31B

Purchase of Investments

-627.1M

-543M

-1.27B

-2.44B

-3.96B

-4.17B

-134.7M

-102.2M

-1.44B

Sale/Maturity of Investments

523.63M

539.3M

1.01B

1.49B

1.38B

2.3B

1.62B

1.45B

1.74B

Net Investment Activity

-103.47M

-3.7M

-255.8M

-952.2M

-2.58B

-1.87B

1.48B

1.35B

302.8M

Acquisitions

91.78M

28.1M

298.4M

2.01B

Other Investing

-79.9M

-200.6M

-42.8M

-879.5M

468.8M

-1.07B

-201.7M

435.1M

2.04B

Cash from Financing

-47.1M

25.2M

144.3M

2.8B

1.91B

-1.06B

-1.97B

-1.8B

-2.2B

Dividends Paid

-48.6M

-64.1M

-79.2M

-128.6M

-101.6M

-182.1M

-195.1M

-195.9M

-194.3M

Share Repurchases

-1.3M

-1M

-2.5M

-116.8M

-5.4M

-199M

-34M

-1.2M

-121.9M

Stock Issued

2.4M

1.8M

1.1M

400K

100K

Net Stock Activity

1.1M

800K

-1.5M

-115.7M

-5M

-198.9M

-34M

-1.2M

-121.9M

Debt Issuance (Net)

1000K

-1000K

1000K

-1000K

Other Financing

-4.8M

118.9M

231M

2.95B

2.01B

-2.86B

-2.02B

-566.3M

-332.8M

Net Change in Cash

-23.1M▲ 0%

63.1M▲ 373.2%

254.8M▲ 303.8%

1.2B▲ 371.0%

68M▼ 94.3%

-1.47B▼ 2268.1%

-292.5M▲ 80.2%

318.6M▲ 208.9%

413.1M▲ 29.7%

Exchange Rate Effect

Cash at Beginning

782.02M

758.9M

822M

1.08B

2.28B

2.34B

870.5M

578M

896.6M

Cash at End

758.99M

822M

1.08B

2.28B

2.34B

870.5M

578M

896.6M

1.31B

Interest Paid

27.8M

38.7M

54.7M

32.9M

19.3M

32M

363.6M

475.7M

362.4M

Income Taxes Paid

28.8M

25.3M

51.2M

54.4M

56.8M

57.8M

51.2M

34.3M

36.6M

Free Cash Flow

115.69M▲ 0%

214.1M▲ 85.1%

110.7M▼ 48.3%

238.1M▲ 115.1%

272M▲ 14.2%

523.9M▲ 92.6%

399.8M▼ 23.7%

332M▼ 17.0%

277.8M▼ 16.3%

FCF Growth %

8.95%

85.06%

-48.3%

115.09%

14.24%

92.61%

-23.69%

-16.96%

-16.33%

Metric

2016

2017

2018

2019

2020

2021

2022

2023

2024

2025

Return on Equity (ROE)

9.9%

8.84%

10.26%

9.76%

8.11%

9.74%

7.99%

8.17%

6.92%

8.95%

Return on Assets (ROA)

1.08%

1.26%

1.3%

1.03%

0.78%

0.82%

0.76%

1.08%

Net Interest Margin

3.09%

2.86%

3.25%

3.38%

2.82%

2.49%

2.92%

2.87%

2.82%

3.1%

Efficiency Ratio

59.76%

62.34%

58.22%

55.79%

56.96%

61.81%

64.66%

46.02%

43.05%

60.46%

Equity / Assets

10.84%

11.69%

12.74%

13.75%

11.1%

10.1%

9.52%

10.52%

11.34%

12.94%

Book Value / Share

21.88

27.51

29.1

31.52

30.75

32.18

29.74

31.1

32.02

33.52

NII Growth

5.84%

25.02%

23.64%

14.45%

0.57%

-1.73%

92.68%

-6.77%

-6.51%

0.46%

Dividend Payout

41.17%

45.63%

40.01%

43.76%

79.78%

52.89%

90.06%

75.77%

86.68%

64.32%

First Interstate BancSystem, Inc.(FIBK)Earnings, Financials & Key Ratios

FIBK Key Insights

✓Strengths

✗Weaknesses

FIBK Price & Volume

FIBK Growth Metrics

Revenue CAGR

Profit CAGR

EPS CAGR

Return on Capital

FIBK Recent Earnings

FIBK Peer Comparison

Compare FIBK vs Peers

vs GBCI

vs V

Compare Top 5

FIBK Income Statement

FIBK Balance Sheet

FIBK Cash Flow Statement

FIBK Banking Ratios

FIBK SEC Filings & Documents

8-K Announcements

10-K Annual Reports

10-Q Quarterly Reports

FIBK Frequently Asked Questions

First Interstate BancSystem, Inc.(FIBK)Earnings, Financials & Key Ratios

FIBK Key Insights

✓Strengths

✗Weaknesses

FIBK Price & Volume

FIBK Growth Metrics

Revenue CAGR

Profit CAGR

EPS CAGR

Return on Capital

FIBK Recent Earnings

FIBK Peer Comparison

Compare FIBK vs Peers

vs GBCI

vs V

Compare Top 5

FIBK Income Statement

FIBK Balance Sheet

FIBK Cash Flow Statement

FIBK Banking Ratios

FIBK SEC Filings & Documents

8-K Announcements

10-K Annual Reports

10-Q Quarterly Reports

FIBK Frequently Asked Questions