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
10/23/2025: FIBK (1-star) is currently NOT-A-BUY. Pass it for now.
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 $34.38
1 Year Target Price $34.38
| 2 | Strong Buy |
| 1 | Buy |
| 3 | Hold |
| 1 | Sell |
| 1 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 3.01% | Avg. Invested days 35 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/23/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 3.29B USD | Price to earnings Ratio 14.12 | 1Y Target Price 34.38 |
Price to earnings Ratio 14.12 | 1Y Target Price 34.38 | ||
Volume (30-day avg) 8 | Beta 0.76 | 52 Weeks Range 22.19 - 35.04 | Updated Date 10/22/2025 |
52 Weeks Range 22.19 - 35.04 | Updated Date 10/22/2025 | ||
Dividends yield (FY) 6.02% | Basic EPS (TTM) 2.22 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-10-29 | When After Market | Estimate 0.61 | 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 14.12 | Forward PE 12.17 | Enterprise Value 3416679168 | Price to Sales(TTM) 3.51 |
Enterprise Value 3416679168 | Price to Sales(TTM) 3.51 | ||
Enterprise Value to Revenue 3.95 | Enterprise Value to EBITDA - | Shares Outstanding 104856752 | Shares Floating 85154168 |
Shares Outstanding 104856752 | Shares Floating 85154168 | ||
Percent Insiders 15.85 | Percent Institutions 84.91 |
Upturn AI SWOT
First Interstate BancSystem Inc
Company Overview
History and Background
First Interstate BancSystem, Inc. traces its roots back to the 1960s. It operates as the holding company for First Interstate Bank, providing a range of banking products and services. The company has grown through organic expansion and acquisitions, focusing on community banking across the Western United States.
Core Business Areas
- Commercial Banking: Provides lending, deposit, and cash management services to businesses of various sizes.
- Retail Banking: Offers checking and savings accounts, mortgage loans, personal loans, and other financial services to individual customers.
- Wealth Management: Provides investment advisory, trust, and estate planning services to high-net-worth individuals and families.
Leadership and Structure
The company is led by a board of directors and a senior management team. The organizational structure includes various departments such as commercial banking, retail banking, wealth management, finance, and operations.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans to businesses for working capital, equipment purchases, and expansion. Market share data is not publicly available at a granular level. Competitors include larger national banks and regional banks like Zions Bancorporation and KeyCorp.
- Mortgage Loans: Loans to individuals for purchasing residential properties. Market share data varies by region. Competitors include national mortgage lenders and local credit unions.
- Deposit Accounts: Checking, savings, and money market accounts for individuals and businesses. Market share data varies by region. Competitors include national banks like Bank of America and Wells Fargo.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges from rising interest rates, increased regulatory scrutiny, and competition from fintech companies. Consolidation is also a prevalent trend.
Positioning
First Interstate BancSystem Inc. positions itself as a community bank with a focus on personalized service and local decision-making. Its competitive advantage lies in its strong regional presence and customer relationships.
Total Addressable Market (TAM)
The TAM for banking services in the Western US is estimated to be in the hundreds of billions of dollars. First Interstate BancSystem Inc. captures a small but significant portion of this market through its community-focused approach.
Upturn SWOT Analysis
Strengths
- Strong regional presence in the Western US
- Customer-focused approach
- Experienced management team
- Solid financial performance
- Well-established brand reputation
Weaknesses
- Limited geographic diversification
- Smaller scale compared to national banks
- Dependence on the regional economy
- Exposure to credit risk in lending portfolio
Opportunities
- Expansion into new markets within the Western US
- Acquisition of smaller community banks
- Development of new digital banking products and services
- Growth in wealth management business
- Increase lending to underserved markets
Threats
- Competition from larger national banks and fintech companies
- Economic downturn in the Western US
- Rising interest rates
- Increased regulatory scrutiny
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- WFC
- USB
- KEY
- ZION
Competitive Landscape
First Interstate BancSystem Inc. competes with larger national banks and smaller regional banks. Its competitive advantage lies in its strong regional presence and customer relationships.
Major Acquisitions
Great Western Bancorp
- Year: 2022
- Acquisition Price (USD millions): 2000
- Strategic Rationale: Expanded First Interstate's presence into new markets and increased its asset base.
Growth Trajectory and Initiatives
Historical Growth: First Interstate BancSystem Inc. has experienced steady growth in revenue and earnings over the past several years, driven by organic expansion and acquisitions.
Future Projections: Analysts project continued growth in revenue and earnings over the next few years, driven by growth in the Western US economy and the company's strategic initiatives.
Recent Initiatives: Recent initiatives include investments in digital banking technology, expansion into new markets, and acquisitions of smaller community banks.
Summary
First Interstate BancSystem Inc. is a well-established regional bank with a strong presence in the Western US. The company has a solid financial performance and a history of paying consistent dividends. It faces challenges from larger national banks and fintech companies, but its customer-focused approach and strategic initiatives should drive continued growth. Its acquisitions are well-strategized, but continued regulatory and cybersecurity compliance will be key factors to watch for.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings (10-K, 10-Q)
- Analyst reports
- Market research reports
Disclaimers:
The data and analysis provided are for informational purposes only and should not be considered investment advice. The information is based on publicly available data and may not be entirely accurate or complete. Past performance is not indicative of future results.
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.