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

FIBK•NASDAQ•Banking & Credit
$36.39
$3.55B mkt cap·12.4× P/E·Price updated May 6, 2026
SectorFinancial ServicesIndustryRegional BanksSub-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%
  • Tangible BV/Share22.30+9.0%
  • Debt/Equity0.23-68.8%
Technical→

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.

FIBK Price & Volume

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

Loading chart...

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
EPS
$0.61
Est $0.60
+1.7%
Revenue
$242M
Est $243M
-0.4%
Q1 2026
Jan 28, 2026
EPS
$1.08
Est $0.64
+68.8%
Revenue
$313M
Est $259M
+21.0%
Q4 2025
Oct 29, 2025
EPS
$0.69
Est $0.59
+16.9%
Revenue
$251M
Est $254M
-1.3%
Q3 2025
Jul 29, 2025
EPS
$0.69
Est $0.57
+21.1%
Revenue
$248M
Est $259M
-4.0%
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestApr 29, 2026
$0.61vs $0.60+1.7%
$242Mvs $243M-0.4%
Q1 2026Jan 28, 2026
$1.08vs $0.64+68.8%
$313Mvs $259M+21.0%
Q4 2025Oct 29, 2025
$0.69vs $0.59+16.9%
$251Mvs $254M-1.3%
Q3 2025Jul 29, 2025
$0.69vs $0.57+21.1%
$248Mvs $259M-4.0%
Based on last 12 quarters of dataView full earnings history →

FIBK Peer Comparison

First Interstate BancSystem, Inc. (FIBK) competitors in Community and retail regional banks — business model, growth, and fundamentals comparison

Select Columns
Stock Universe
Valuation
Growth
Profitability
Financial Health
Dividends & Buybacks
Price Performance
Technical
Fundamentals ($)
Sector-Specific
CompanyMarket CapStock PriceP/E Ratio (TTM)Revenue Growth 1YNet MarginReturn on Equity (ROE)FCF YieldDebt / Equity
GBCI logoGBCIGlacier Bancorp, Inc.Direct Competitor6.47B49.752514.48%6.53%0.69
WAFD logoWAFDWaFd, Inc.Direct Competitor2.72B35.6413.55-1.58%8.02%0.60
COLB logoCOLBColumbia Banking System, Inc.Direct Competitor7.19B30.2013.138.35%8.39%0.51
BANR logoBANRBanner CorporationDirect Competitor2.24B66.2311.74-0.95%10.34%0.19
NWBI logoNWBINorthwest Bancshares, Inc.Direct Competitor2.06B14.0815.3016.3%7.18%0.24
UMBF logoUMBFUMB Financial CorporationProduct Competitor10.2B133.9614.6768.52%11.67%0.49
BOKF logoBOKFBOK Financial CorporationProduct Competitor10.44B135.5416.6510.4%8.91%0.80
WTFC logoWTFCWintrust Financial CorporationProduct Competitor10.27B153.2813.266.66%11.35%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
Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Net Interest Income349.8M432.5M495M497.8M489.2M942.6M878.8M821.6M825.4M
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 Income377.8M473.4M554M524.4M506.5M1.02B1.28B1.3B1.18B
Interest Expense27.93M40.9M59M26.6M17.3M78.9M401.3M480.9M352.6M
Loan Loss Provision11.07M8.6M13.9M56.9M-14.6M82.7M32.2M67.8M-325.8M
Non-Interest Income141.8M138.8M142.6M155.9M149.5M163.2M147M178.1M-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 Expense323.9M356.4M388.6M387.5M405.5M766M656.8M637.4M639.8M
Efficiency Ratio62.34%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 Tax50.2M46.1M54.1M48.1M55.7M54.9M79.3M68.5M89.6M
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)106.52M160.2M181M161.2M192.1M202.2M257.5M226M302.1M
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)2.072.772.842.533.121.962.482.192.95
Diluted Shares Outstanding51.9M58.22M63.88M63.73M61.74M103.34M103.78M103.19M102.83M

FIBK Balance Sheet

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

Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Cash & Short Term Investments2.97B3.09B4.04B6.29B7.17B7.82B6.42B960.4M358.2M
Cash & Due from Banks758.8M821.9M1.08B2.28B2.34B870.4M577.9M896.5M358.2M
Short Term Investments2.21B2.27B2.96B4.01B4.82B6.95B5.84B63.9M0
Total Investments10.24B11.11B12.01B13.8B15.75B28.36B27.15B25.39B23.8B
Investments Growth %35.99%8.53%8.13%14.87%14.13%80.07%-4.26%-6.49%-6.24%
Long-Term Investments8.03B8.84B9.05B9.79B10.93B21.41B21.31B25.32B23.8B
Accounts Receivables38M44.9M46.7M51.1M47.4M118.3M129.1M116.8M0
Goodwill & Intangibles518.6M631.3M713.9M696.8M691.1M1.23B1.21B1.19B1.15B
Goodwill444.7M546.7M621.6M621.6M621.6M1.1B1.1B1.1B1.1B
Intangible Assets73.9M84.6M92.3M75.2M69.5M128.1M109.7M92.5M53.3M
PP&E (Net)241.86M245.2M306M312.3M299.6M444.7M444.3M427.2M406.6M
Other Assets416.6M448.7M490M514.3M541.5M1.06B1.01B998.8M757.6M
Total Current Assets3.01B3.14B4.08B6.34B7.21B7.93B6.55B1.08B460.8M
Total Non-Current Assets9.21B10.16B10.56B11.31B12.46B24.35B24.12B28.06B26.18B
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 Payable92.2M101.9M141.7M150.2M152.1M460.4M432.6M425.9M0
Total Debt758.6M815.1M798.4M1.29B1.25B3.66B3.67B2.39B775.7M
Net Debt-200K-6.8M-278.3M-985.9M-1.09B2.79B3.09B1.49B417.5M
Long-Term Debt114.2M101.4M99.6M198.3M198.4M282.9M283M294.5M296.1M
Short-Term Debt643M712.4M697.6M1.09B1.05B3.38B3.39B2.09B479.6M
Other Liabilities0003.7M3.8M16.2M18.4M5.2M10.81B
Total Current Liabilities10.67B11.49B12.5B15.46B17.47B28.91B27.14B25.53B12.09B
Total Non-Current Liabilities115.61M111.3M127.5M230.3M212.5M300.1M302.3M300.5M11.11B
Total Liabilities10.79B11.61B12.63B15.69B17.69B29.21B27.44B25.83B23.19B
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 Share27.5129.1031.5230.7532.1829.7431.1032.0233.52
Tangible BV per Share17.5118.2520.3519.8220.9817.8519.4320.4522.30
Common Stock686.99M866.7M1.05B941.1M945M2.48B2.45B2.46B2.35B
Additional Paid-in Capital000000000
Retained Earnings752.59M851.8M953.6M962.1M1.05B1.07B1.14B1.17B1.27B
Accumulated OCI-12M-24.6M11M56.6M-11M-477.1M-356.5M-321.9M-178.1M
Treasury Stock000000000
Preferred Stock000000000

FIBK Cash Flow Statement

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

Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Cash from Operations154.6M219M127.3M268.3M282.3M534.4M428M355M305.6M
Operating CF Growth %31.02%41.66%-41.87%110.76%5.22%89.3%-19.91%-17.06%-13.92%
Net Income106.5M160.2M181M161.2M192.1M202.2M257.5M226M302.1M
Depreciation & Amortization18.4M27.6M38.7M45.1M44.4M55.5M53.8M57M50.8M
Deferred Taxes20.9M15.8M5.4M-6.6M5M-4.7M20.4M21.3M11.3M
Other Non-Cash Items33.89M19.1M-62.7M88.2M48.3M131M55.3M54.1M-37.3M
Working Capital Changes-29M-9.3M-43.1M-27.1M-16.4M140.8M36.3M-15.2M-34.6M
Cash from Investing-130.6M-181.1M-16.8M-1.87B-2.12B-949M1.25B1.76B2.31B
Purchase of Investments-627.1M-543M-1.27B-2.44B-3.96B-4.17B-134.7M-102.2M-1.44B
Sale/Maturity of Investments523.63M539.3M1.01B1.49B1.38B2.3B1.62B1.45B1.74B
Net Investment Activity-103.47M-3.7M-255.8M-952.2M-2.58B-1.87B1.48B1.35B302.8M
Acquisitions91.78M28.1M298.4M002.01B000
Other Investing-79.9M-200.6M-42.8M-879.5M468.8M-1.07B-201.7M435.1M2.04B
Cash from Financing-47.1M25.2M144.3M2.8B1.91B-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 Issued2.4M1.8M1M1.1M400K100K000
Net Stock Activity1.1M800K-1.5M-115.7M-5M-198.9M-34M-1.2M-121.9M
Debt Issuance (Net)1000K-1000K-1000K1000K01000K1000K-1000K-1000K
Other Financing-4.8M118.9M231M2.95B2.01B-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 Effect000000000
Cash at Beginning782.02M758.9M822M1.08B2.28B2.34B870.5M578M896.6M
Cash at End758.99M822M1.08B2.28B2.34B870.5M578M896.6M1.31B
Interest Paid27.8M38.7M54.7M32.9M19.3M32M363.6M475.7M362.4M
Income Taxes Paid28.8M25.3M51.2M54.4M56.8M57.8M51.2M34.3M36.6M
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

Metric2016201720182019202020212022202320242025
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 Margin3.09%2.86%3.25%3.38%2.82%2.49%2.92%2.87%2.82%3.1%
Efficiency Ratio59.76%62.34%58.22%55.79%56.96%61.81%64.66%46.02%43.05%60.46%
Equity / Assets10.84%11.69%12.74%13.75%11.1%10.1%9.52%10.52%11.34%12.94%
Book Value / Share21.8827.5129.131.5230.7532.1829.7431.132.0233.52
NII Growth5.84%25.02%23.64%14.45%0.57%-1.73%92.68%-6.77%-6.51%0.46%
Dividend Payout41.17%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

6
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

3
FY 2026

Feb 26, 2026·SEC

FY 2025

Feb 28, 2025·SEC

FY 2024

Feb 29, 2024·SEC

10-Q Quarterly Reports

6
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.

Explore More FIBK

First Interstate BancSystem, Inc. (FIBK) financial analysis — history, returns, DCA and operating performance tools

Total Return Calculator

Historical returns with dividends reinvested

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DCA Calculator

Dollar cost averaging vs lump sum

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Dividend History

Yield, growth, payout safety & DRIP

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Earnings History

EPS trends, net income & profitability

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Price History

Long-term charts & historical price data

→

Revenue History

Sales growth patterns & revenue breakdown

→

Financial Ratios

30 years of market, efficiency and balance-sheet ratios

→

Valuation

DCF intrinsic value, peer multiples & estimates

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