8-K Announcements
6Apr 29, 2026·SEC
Jan 28, 2026·SEC
Nov 18, 2025·SEC
First Interstate BancSystem, Inc. (FIBK) fundamental analysis — strengths, weaknesses & financial health based on data analysis
No significant weaknesses identified
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
First Interstate BancSystem, Inc. (FIBK) stock price & volume — 10-year historical chart
First Interstate BancSystem, Inc. (FIBK) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
First Interstate BancSystem, Inc. (FIBK) EPS & revenue vs analyst estimates — last 4 quarters
| 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% |
First Interstate BancSystem, Inc. (FIBK) competitors in Community and retail regional banks — business model, growth, and fundamentals comparison
First Interstate BancSystem, Inc. (FIBK) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
First Interstate BancSystem, Inc. (FIBK) annual income statement — 10-year revenue, gross profit & net income history
| Line item | 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 |
First Interstate BancSystem, Inc. (FIBK) balance sheet — assets, liabilities & shareholders' equity
| Line item | 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 |
First Interstate BancSystem, Inc. (FIBK) cash flow — operating, investing & free cash flow history
| Line item | 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% |
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% |
First Interstate BancSystem, Inc. (FIBK) SEC filings — annual & quarterly reports (10-K, 10-Q)
Apr 29, 2026·SEC
Jan 28, 2026·SEC
Nov 18, 2025·SEC
First Interstate BancSystem, Inc. (FIBK) stock FAQ — growth, dividends, profitability & financials explained
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).
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.
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.
First Interstate BancSystem, Inc. (FIBK) financial analysis — history, returns, DCA and operating performance tools
Historical returns with dividends reinvested
Dollar cost averaging vs lump sum
Yield, growth, payout safety & DRIP
EPS trends, net income & profitability
Long-term charts & historical price data
Sales growth patterns & revenue breakdown
30 years of market, efficiency and balance-sheet ratios
DCF intrinsic value, peer multiples & estimates