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Upturn AI SWOT - About
First Interstate BancSystem Inc (FIBK)
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Upturn Advisory Summary
06/20/2025: 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
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Year Target Price $30.5
Year Target Price $30.5
| 2 | Strong Buy |
| 1 | Buy |
| 3 | Hold |
| 0 | Under performing |
| 2 | Sell |
Analysis of Past Performance
Type Stock | Historic Profit 8.3% | Avg. Invested days 38 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 06/20/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 3.02B USD | Price to earnings Ratio 13.47 | 1Y Target Price 30.5 |
Price to earnings Ratio 13.47 | 1Y Target Price 30.5 | ||
Volume (30-day avg) 8 | Beta 0.76 | 52 Weeks Range 22.55 - 35.61 | Updated Date 06/30/2025 |
52 Weeks Range 22.55 - 35.61 | Updated Date 06/30/2025 | ||
Dividends yield (FY) 6.60% | Basic EPS (TTM) 2.14 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 23.62% | Operating Margin (TTM) 32.86% |
Management Effectiveness
Return on Assets (TTM) 0.75% | Return on Equity (TTM) 6.63% |
Valuation
Trailing PE 13.47 | Forward PE 12.52 | Enterprise Value 4004847360 | Price to Sales(TTM) 3.28 |
Enterprise Value 4004847360 | Price to Sales(TTM) 3.28 | ||
Enterprise Value to Revenue 4.26 | Enterprise Value to EBITDA - | Shares Outstanding 104887000 | Shares Floating 84934457 |
Shares Outstanding 104887000 | Shares Floating 84934457 | ||
Percent Insiders 15.85 | Percent Institutions 84.18 |
Analyst Ratings
Rating 3 | Target Price 30.5 | Buy 1 | Strong Buy 2 |
Buy 1 | Strong Buy 2 | ||
Hold 3 | Sell 1 | Strong Sell 1 | |
Strong Sell 1 |
Upturn AI SWOT
First Interstate BancSystem Inc
Company Overview
History and Background
First Interstate BancSystem, Inc. was founded in 1968. It has grown through acquisitions and organic expansion to become a prominent regional bank holding company.
Core Business Areas
- Community Banking: Provides a range of banking products and services to individuals and small to medium-sized businesses, including deposit accounts, loans, and other financial services.
- Commercial Banking: Offers commercial lending, treasury management, and other financial services to larger businesses and corporations.
- Wealth Management: Provides wealth management, trust, and investment services to individuals and families.
Leadership and Structure
The company is led by a CEO and executive management team. The organizational structure consists of various departments and business units, overseen by a board of directors.
Top Products and Market Share
Key Offerings
- Commercial Loans: Commercial loans are offered to businesses and corporations to finance operations, expansions, and other needs. Competitors include other regional banks, national banks (JPM, BAC, WFC), and credit unions. Market share information is difficult to pinpoint as it varies widely by geography and loan type.
- Consumer Loans: Consumer loans are offered to individuals for various purposes, such as auto loans, mortgages, and personal loans. Competitors include other regional banks, national banks (JPM, BAC, WFC), credit unions, and online lenders. Market share information is difficult to pinpoint as it varies widely by geography and loan type.
- Deposit Accounts: Checking, savings, and money market accounts offered to both individuals and businesses. Competitors include other regional banks, national banks (JPM, BAC, WFC), credit unions, and online banks. Market share information is difficult to pinpoint as it varies widely by geography and deposit type.
Market Dynamics
Industry Overview
The banking industry is undergoing significant changes due to rising interest rates, increased competition from fintech companies, and evolving customer preferences for digital banking solutions.
Positioning
First Interstate BancSystem Inc. is positioned as a regional bank focusing on community banking relationships and offering a range of financial services. Competitive advantages include its local market knowledge and customer service.
Total Addressable Market (TAM)
The total addressable market for banking services is substantial, encompassing all individuals and businesses requiring financial products and services. First Interstate BancSystem Inc. is positioned to capture a portion of this market through its regional presence and customer-focused approach.
Upturn SWOT Analysis
Strengths
- Strong regional presence
- Customer-focused approach
- Diversified revenue streams
- Experienced management team
- Conservative lending practices
Weaknesses
- Limited geographic reach compared to national banks
- Vulnerable to regional economic downturns
- Dependence on net interest income
- Smaller marketing budget compared to larger competitors
Opportunities
- Expanding into new geographic markets
- Leveraging technology to enhance customer experience
- Acquiring smaller banks or credit unions
- Growing wealth management services
Threats
- Increasing competition from fintech companies
- Rising interest rates and economic uncertainty
- Regulatory changes and compliance costs
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- WFC
- USB
- BOKF
Competitive Landscape
First Interstate BancSystem Inc. competes with larger national banks and smaller regional banks. Its advantages lie in its community focus and strong customer relationships.
Major Acquisitions
Great Western Bancorp
- Year: 2022
- Acquisition Price (USD millions): 2000
- Strategic Rationale: Expanded First Interstate's footprint and market share in the Western United States.
Growth Trajectory and Initiatives
Historical Growth: Growth trends reflect the bank's expansion strategy, including acquisitions and organic growth in its existing markets.
Future Projections: Analyst projections vary, but generally anticipate continued growth in earnings and revenue. Future Projections require a live data feed.
Recent Initiatives: Recent initiatives may include expanding digital banking capabilities, entering new markets, or enhancing customer service.
Summary
First Interstate BancSystem Inc. is a regional bank with a strong presence in the Western United States. The company benefits from its customer-focused approach and experienced management team. Challenges include competition from larger national banks and the impact of economic conditions on its lending portfolio. Future growth will likely be driven by strategic acquisitions and expansion of its digital banking services.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Market Analysis Reports
- Financial News Outlets
Disclaimers:
This analysis is based on publicly available information and is for informational purposes only. It does not constitute financial advice. Market share data is based on estimates and may vary.
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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