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Upturn AI Summary - About
First Interstate BancSystem Inc(FIBK)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for FIBK
09/25/2026: FIBK (3-star) is currently NOT-A-BUY. Pass it for now.
First Interstate BancSystem is an established regional bank known for its relationship-based approach to commercial and consumer lending in the Western United States. The company benefits from a conservative credit culture and a diversified revenue model that includes wealth management services. While its geographic presence and stability are key strengths, the bank faces risks related to interest rate sensitivity and intense competition from larger institutions and digital lenders. It is best suited for income-oriented investors seeking a consistent dividend, though they should carefully monitor future acquisition integration and technology investments. Overall, the bank remains a solid regional player navigating the complexities of the modern banking environment.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | FIBK is a mature regional bank with moderate growth expectations rather than explosive growth potential. |
| Momentum investor | Weak fit | The stock tends to trade based on long-term macro banking trends rather than high-velocity price momentum. |
| Value investor | Strong fit | The company is often valued on traditional banking metrics like P/B and P/E ratios, which may appeal to value-oriented investors. |
| Dividend investor | Strong fit | FIBK has a history of reliable dividend payments, making it suitable for income-focused portfolios. |
| Low-risk investor | Mixed fit | While established, regional bank stocks carry inherent interest rate and credit cycle risks. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium | Bank stocks are sensitive to macro-economic reports and interest rate cycles. |
| Valuation risk | Medium | Changes in interest rate outlooks can rapidly shift valuation multiples for regional banks. |
| Competition risk (banking) | Medium / high | Local and national banks vie for the same deposit and lending base. |
| Business quality | Strong | The company has a long-standing reputation for disciplined lending and operational stability. |
| Dividend income | Medium | Dividends are subject to board approval and bank capital requirements. |
| Execution risk | Medium | Integrating past acquisitions effectively is crucial to long-term profitability. |
Price Behavior
Strong Uptrend
The stock has maintained a strong upward price trend across the last three quarters.
Smooth
The stock has moved along a generally orderly path with only modest fluctuations.
Analysis of Past Performance
Type Stock | Historic Profit 18.95% | Avg. Invested days 48 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  4.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 09/25/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 3.52B USD | Price to earnings Ratio 11.43 | 1Y Target Price 37.25 |
Price to earnings Ratio 11.43 | 1Y Target Price 37.25 | ||
Volume (30-day avg) 1.1M shares | Beta 0.72 | 52 Weeks Range 27.63 - 40.11 | Updated Date 09/27/2026 |
52 Weeks Range 27.63 - 40.11 | Updated Date 09/27/2026 | ||
Dividends yield (FY) 5.15% | Basic EPS (TTM) 3.23 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Net Interest Income | Interest earned on loans and securities minus interest paid on deposits. | This is the primary way the bank makes money; it earns more on loans than it pays to savers. |
| Non-Interest Income | Wealth management fees, service charges on deposit accounts, and mortgage banking. | These are service fees that help diversify the bank's income beyond just lending. |
| Geography: Western U.S. | Operations spanning multiple states in the American West. | The bank's performance is tied to the economic health of the Western United States. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Valuation
Trailing PE 11.43 | Forward PE 12.17 | Enterprise Value 3.15B | Price to Sales(TTM) 3.32 |
Enterprise Value 3.15B | Price to Sales(TTM) 3.32 | ||
Enterprise Value to Revenue 3.56 | Enterprise Value to EBITDA - | Shares Outstanding 95.30M | Shares Floating 79.16M |
Shares Outstanding 95.30M | Shares Floating 79.16M | ||
Percent Insiders 8.42 | Percent Institutions 98.83 |
Upturn AI Summary
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.
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
About First Interstate BancSystem Inc
Exchange NASDAQ | Headquarters 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 3376 | Website https://www.fibk.com |
Full time employees 3376 | Website https://www.fibk.com | ||
First Interstate BancSystem, Inc. operates as a 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; employee benefit plans and charitable foundations; and 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 servicing, mortgage loan sales and servicing, indirect consumer loan 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 formerly known as First Interstate Bancsystem Of Montana, Inc. and changed its name to First Interstate BancSystem, Inc. in June 1993. The company was founded in 1879 and is headquartered in Billings, Montana.
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