Home 
Today's Top Picks 
Top Performers 
Watchlist 
My Robo Portfolios 
ETF Zone 
Help & Tutorial 
Cancel anytime
- Chart
- Upturn Summary
- Highlights
- Revenue
- Valuation
Upturn AI SWOT - About
FIBK 
First Interstate BancSystem Inc (FIBK)
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- Pass (Skip investing)
Stock price based on last close (see disclosures)
- ALL
- YEAR
- MONTH
- WEEK
Upturn Advisory Summary
09/16/2025: FIBK (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
8 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $32.62
1 Year Target Price $32.62
| 2 | Strong Buy |
| 1 | Buy |
| 3 | Hold |
| 1 | Sell |
| 1 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 8.78% | Avg. Invested days 33 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 09/16/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 3.43B USD | Price to earnings Ratio 14.74 | 1Y Target Price 32.62 |
Price to earnings Ratio 14.74 | 1Y Target Price 32.62 | ||
Volume (30-day avg) 8 | Beta 0.77 | 52 Weeks Range 22.19 - 35.04 | Updated Date 09/15/2025 |
52 Weeks Range 22.19 - 35.04 | Updated Date 09/15/2025 | ||
Dividends yield (FY) 5.75% | Basic EPS (TTM) 2.2 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 24.54% | Operating Margin (TTM) 40.59% |
Management Effectiveness
Return on Assets (TTM) 0.79% | Return on Equity (TTM) 6.91% |
Valuation
Trailing PE 14.74 | Forward PE 12.55 | Enterprise Value 3543555840 | Price to Sales(TTM) 3.66 |
Enterprise Value 3543555840 | Price to Sales(TTM) 3.66 | ||
Enterprise Value to Revenue 4.06 | Enterprise Value to EBITDA - | Shares Outstanding 104857000 | Shares Floating 84488328 |
Shares Outstanding 104857000 | Shares Floating 84488328 | ||
Percent Insiders 15.85 | Percent Institutions 84.9 |
Upturn AI SWOT
First Interstate BancSystem Inc
Company Overview
History and Background
First Interstate BancSystem, Inc. was founded in 1968 as a holding company for First National Bank of Billings. It has grown through acquisitions and organic expansion across the western United States.
Core Business Areas
- Commercial Banking: Provides a range of commercial banking products and services to businesses, including loans, deposit accounts, and cash management services.
- Retail Banking: Offers a variety of retail banking products and services to individuals, including checking and savings accounts, mortgages, and consumer loans.
- Wealth Management: Provides wealth management and trust services to individuals, families, and businesses.
Leadership and Structure
Kevin P. Riley serves as the CEO. The organizational structure includes regional presidents and various department heads overseeing different business lines.
Top Products and Market Share
Key Offerings
- Commercial Loans: Provides loans to businesses of varying sizes, contributing significantly to revenue. Market share data is not publicly broken down by product, but First Interstate competes with larger national banks and regional players like US Bancorp and KeyCorp.
- Mortgages: Offers residential mortgages to consumers. Market share varies by region and competes with national lenders like Wells Fargo and Bank of America.
- Deposit Accounts: Provides checking, savings, and money market accounts. Competes with national and regional banks, as well as online-only banks.
Market Dynamics
Industry Overview
The banking industry is currently navigating interest rate volatility, increased regulatory scrutiny, and technological disruption. Competition is intense, with traditional banks facing challenges from fintech companies and online lenders.
Positioning
First Interstate BancSystem Inc. is a regional bank with a strong presence in the Western United States. It differentiates itself through its customer service and community focus.
Total Addressable Market (TAM)
The TAM for banking services in First Interstate's operating region is estimated to be in the billions of dollars. First Interstate holds a smaller portion of this TAM relative to large national banks.
Upturn SWOT Analysis
Strengths
- Strong regional presence
- Customer-centric approach
- Solid asset quality
- Experienced management team
Weaknesses
- Limited geographic diversification
- Smaller scale compared to national banks
- Dependence on interest rate environment
- IT infrastructure
Opportunities
- Expansion into new markets
- Increased adoption of digital banking
- Growth in wealth management services
- Strategic acquisitions
Threats
- Increased competition from larger banks and fintech companies
- Economic downturn
- Rising interest rates
- Regulatory changes
Competitors and Market Share
Key Competitors
- USB
- WFC
- BOKF
- MTB
Competitive Landscape
First Interstate is positioned as a regional bank focused on customer service. While it lacks the scale of larger national banks, it benefits from its strong local presence and customer relationships.
Major Acquisitions
Great Western Bancorp
- Year: 2022
- Acquisition Price (USD millions): 2000
- Strategic Rationale: Expanded First Interstate's footprint into new markets and increased its asset base.
Growth Trajectory and Initiatives
Historical Growth: First Interstate's growth has been driven by organic expansion and acquisitions. Historical growth rates depend on specific time periods.
Future Projections: Future growth projections are based on analyst estimates, which can vary. Please refer to reports by analysts who follow the company for these estimates.
Recent Initiatives: Recent initiatives include investments in technology, branch expansion, and community engagement programs.
Summary
First Interstate BancSystem Inc. is a regional bank with a solid presence in the Western U.S. Their customer-focused approach is a strength, but they face challenges from larger competitors and evolving industry trends. Recent acquisitions have expanded their footprint, yet economic downturns could pose a threat, so managing those risks is important.
Peer Comparison
Sources and Disclaimers
Data Sources:
- SEC Filings
- Company Website
- Analyst Reports
- FDIC Data
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share figures are estimates and may not be precise. Financial data and projections may change.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About First Interstate BancSystem Inc
Exchange NASDAQ | Headquaters Billings, MT, United States | ||
IPO Launch date 2010-03-24 | President, CEO & Director Mr. James A. Reuter | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 3481 | Website https://www.fibk.com |
Full time employees 3481 | Website https://www.fibk.com | ||
First Interstate BancSystem, Inc. operates as the 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; offers employee benefit plans and charitable foundations; and provides 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 issuance and servicing, mortgage loan sales and servicing, indirect consumer loan purchasing 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 founded in 1879 and is headquartered in Billings, Montana.
Note: This website is maintained by Upturn Corporation, which is an investment adviser registered with the U.S. Securities and Exchange Commission. Such registration does not imply a certain level of skill or training. Investing in securities has risks. Past performance is no guarantee of future returns. No assurance is provided as to any particular investment return, and you may lose money using our services. You are strongly advised to consult appropriate counsel before making any investments in companies you learn about through our services. You should obtain appropriate legal, tax, investment, accounting, and other advice that takes into account your investment portfolio and overall financial situation. You are solely responsible for conducting due diligence on a potential investment. We do not affect trades for you. You will select your own broker through which to transact. Investments are not FDIC insured, they are not guaranteed, and they may lose value. Please see the Privacy Policy, Terms of Use, and Disclosure for more information.