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FIBK 
First Interstate BancSystem Inc (FIBK)
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Upturn Advisory Summary
12/26/2025: FIBK (2-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Number of Analysts
8 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $37
1 Year Target Price $37
| 2 | Strong Buy |
| 1 | Buy |
| 3 | Hold |
| 1 | Sell |
| 1 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 14.1% | Avg. Invested days 35 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 12/26/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 3.70B USD | Price to earnings Ratio 15.16 | 1Y Target Price 37 |
Price to earnings Ratio 15.16 | 1Y Target Price 37 | ||
Volume (30-day avg) 8 | Beta 0.8 | 52 Weeks Range 21.87 - 36.35 | Updated Date 12/27/2025 |
52 Weeks Range 21.87 - 36.35 | Updated Date 12/27/2025 | ||
Dividends yield (FY) 5.24% | Basic EPS (TTM) 2.37 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 25.73% | Operating Margin (TTM) 39.8% |
Management Effectiveness
Return on Assets (TTM) 0.86% | Return on Equity (TTM) 7.2% |
Valuation
Trailing PE 15.16 | Forward PE 14.06 | Enterprise Value 3096259840 | Price to Sales(TTM) 3.88 |
Enterprise Value 3096259840 | Price to Sales(TTM) 3.88 | ||
Enterprise Value to Revenue 3.98 | Enterprise Value to EBITDA - | Shares Outstanding 102890614 | Shares Floating 83414450 |
Shares Outstanding 102890614 | Shares Floating 83414450 | ||
Percent Insiders 16.15 | Percent Institutions 89.05 |
Upturn AI SWOT
First Interstate BancSystem Inc
Company Overview
History and Background
First Interstate BancSystem Inc. (I P) was founded in 1968. It has grown through a series of mergers and acquisitions, expanding its geographic reach and service offerings. The company has a long-standing presence in its core markets, building a reputation for community banking and personalized service.
Core Business Areas
- Community Banking: Offers a wide range of banking and financial services to individuals, small businesses, and commercial clients. This includes checking and savings accounts, loans (commercial, consumer, residential mortgage), credit cards, and other deposit products.
- Wealth Management: Provides investment and financial planning services to individuals and businesses, including trust services, investment advisory, and retirement planning.
- Mortgage Banking: Engages in the origination, sale, and servicing of residential mortgage loans.
Leadership and Structure
First Interstate BancSystem Inc. is led by a Board of Directors and an executive management team responsible for strategic direction and operational oversight. The organizational structure is designed to support its regional banking model, with a focus on decentralized decision-making at the local level.
Top Products and Market Share
Key Offerings
- Checking and Savings Accounts: Core deposit products offered to individuals and businesses. Competitors include major national banks, regional banks, and credit unions.
- Commercial Loans: Financing solutions for businesses of all sizes, including term loans, lines of credit, and SBA loans. Competitors include other regional banks and national commercial lenders.
- Residential Mortgages: Home loan products for purchase and refinancing. Competitors include national mortgage lenders, local mortgage brokers, and other banks.
- Wealth Management Services: Investment and financial planning for individuals and families. Competitors include independent financial advisors, brokerage firms, and trust departments of larger banks.
Market Dynamics
Industry Overview
The US banking industry is highly competitive, characterized by a mix of large national banks, regional institutions, community banks, and credit unions. Key trends include digital transformation, increasing regulatory scrutiny, low interest rate environments (historically), and a focus on customer experience. Consolidation is also a persistent theme.
Positioning
First Interstate BancSystem Inc. is positioned as a community-focused regional bank. Its competitive advantages lie in its strong local relationships, personalized customer service, and deep understanding of its operating markets. It aims to compete with larger banks by offering a more intimate and responsive banking experience.
Total Addressable Market (TAM)
The TAM for banking services in the US is vast, encompassing trillions of dollars in deposits and loans. First Interstate BancSystem Inc. operates within a more defined regional TAM, focusing on the communities it serves. Its positioning is that of a significant regional player within its specific geographic footprint.
Upturn SWOT Analysis
Strengths
- Strong community relationships and brand loyalty in its operating regions.
- Experienced management team with deep knowledge of the local markets.
- Diversified revenue streams from lending, deposits, and wealth management.
- Solid track record of profitable growth.
Weaknesses
- Limited geographic diversification compared to national banks.
- Potential vulnerability to economic downturns in its core markets.
- Scale challenges in competing with larger, more technologically advanced institutions.
- Reliance on traditional branch networks in an increasingly digital world.
Opportunities
- Expansion into new, adjacent geographic markets.
- Leveraging technology to enhance digital banking offerings and customer experience.
- Acquisition of smaller banks to gain market share and economies of scale.
- Growth in wealth management services as customer assets increase.
Threats
- Increasing competition from fintech companies and neobanks.
- Changes in interest rate environments impacting net interest margins.
- Cybersecurity threats and data breaches.
- Regulatory changes and compliance costs.
Competitors and Market Share
Key Competitors
- Umpqua Holdings Corporation (UMPQ)
- Glacier Bancorp, Inc. (GBCI)
- Columbia Banking System Inc. (COLB)
- Zions Bancorporation, National Association (ZION)
Competitive Landscape
First Interstate BancSystem Inc. faces competition from larger, more established banks with greater resources and broader reach, as well as smaller community banks and credit unions that offer a similar localized approach. Its advantage lies in its established reputation and deep community ties within its specific operating areas.
Major Acquisitions
Northwest Bancshares, Inc. (announced)
- Year: 2024
- Acquisition Price (USD millions): 2100
- Strategic Rationale: To expand its geographic footprint into attractive markets in Washington and Oregon, and to enhance its scale and capabilities.
Hometrust Bancshares, Inc.
- Year: 2023
- Acquisition Price (USD millions): 103
- Strategic Rationale: To expand its presence in the Portland, Oregon market.
Growth Trajectory and Initiatives
Historical Growth: The company has demonstrated historical growth through organic expansion and strategic acquisitions. Its growth has been tied to the economic development of its service regions.
Future Projections: Future growth is anticipated to be driven by continued organic expansion, potential strategic acquisitions, and the development of new financial products and services, particularly in digital channels.
Recent Initiatives: Recent initiatives likely focus on digital transformation, enhancing customer experience, expanding product offerings, and potentially geographic expansion through M&A.
Summary
First Interstate BancSystem Inc. is a well-established regional bank with a strong community focus and a history of consistent performance. Its strengths lie in its customer relationships and local market knowledge. While facing competition from larger institutions and fintechs, recent acquisitions indicate a strategy for expansion and scale. The company's future growth hinges on its ability to integrate acquisitions effectively and adapt to evolving digital banking trends.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company SEC Filings (10-K, 10-Q)
- Financial News and Data Providers (e.g., Bloomberg, Refinitiv, Yahoo Finance)
- Industry Analysis Reports
Disclaimers:
This JSON output is for informational purposes only and does not constitute financial advice. Data accuracy is subject to the sources cited. Investors should conduct their own due diligence before making any investment decisions.
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.
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