First Interstate Valuation
| FIBK Stock | USD 38.14 0.54 1.44% |
At this time, the firm appears to be undervalued. First Interstate Ban shows a prevailing Real Value of $42.53 per share. The current price of the firm is $38.14. Our model computes the value of First Interstate Ban from reviewing the firm fundamentals such as Current Valuation of 3.32 B, profit margin of 0.29 %, and Shares Outstanding of 101.11 M as well as analyzing its technical indicators and probability of bankruptcy. Key fundamental drivers impacting First Interstate's valuation include:
Undervalued
Today
Please note that First Interstate's price fluctuation is very steady at this time. Calculation of the real value of First Interstate Ban is based on 3 months time horizon. Increasing First Interstate's time horizon generally increases the accuracy of value calculation and significantly improves the predictive power of the methodology used.
First Interstate's intrinsic value may or may not be the same as its current market price of 38.14, in which case there is an opportunity to profit from the mispricing, assuming the market price will eventually merge with its intrinsic value. | Historical | Market 38.14 | Real 42.53 | Target 38.0 | Hype 38.14 | Naive 36.95 |
The intrinsic value of First Interstate's stock can be calculated using various methods such as discounted cash flow or dividend analysis. That value may differ from its market price, which is determined by factors such as investor sentiment, market trends, headlines, and other external factors that may influence First Interstate's stock price.
Estimating the potential upside or downside of First Interstate BancSystem helps investors to forecast how First stock's addition to their portfolios will impact the overall performance. We also use other valuation drivers to help us estimate the true value of First Interstate more accurately as focusing exclusively on First Interstate's fundamentals will not take into account other important factors: Traditionally, analysts and sophisticated investors use multiple methods for valuing a cash-flow-generating entity or its stock. For example, some money managers use First Interstate's intrinsic value based on its ongoing forecasts of First Interstate's financial statements. In contrast, other private, professional wealth advisors use a multiplier approach by looking to relative value analysis against First Interstate's closest peers.
First Interstate Cash |
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First Revenue by Product
First Interstate Total Value Analysis
First Interstate BancSystem is currently forecasted to have valuation of 3.32 B with market capitalization of 3.92 B, debt of 146.3 M, and cash on hands of 591.9 M. Please note that valuation may be misleading and is a subject to auditing or accounting errors. We encourage investors to vigilantly validate all of the First Interstate fundamentals before making equity appraisal based on enterprise value of the company| Takeover Price | Market Cap | Debt Obligations | Cash |
3.32 B | 3.92 B | 146.3 M | 591.9 M |
First Interstate Investor Information
About 16.0% of the company shares are held by company insiders. The company has price-to-book (P/B) ratio of 1.08. Some equities with similar Price to Book (P/B) outperform the market in the long run. First Interstate Ban has Price/Earnings To Growth (PEG) ratio of 1.84. The entity last dividend was issued on the 10th of February 2026. Based on the measurements of operating efficiency obtained from First Interstate's historical financial statements, First Interstate BancSystem is doing better financially today then in previous quarter. It has a moderate probability of reporting better financial numbers in March.| Current Value | Last Year | Change From Last Year | 10 Year Trend | ||||||
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| Operating Profit Margin | 0.22 | 0.3701 |
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| Total Cash From Operating Activities | 428.7 M | 408.2 M |
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| Operating Income | 411.3 M | 391.7 M |
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First Interstate Asset Utilization
The asset utilization indicator refers to the revenue earned for every dollar of assets a company currently reports. First Interstate has an asset utilization ratio of 3.97 percent. This suggests that the Company is making $0.0397 for each dollar of assets. An increasing asset utilization means that First Interstate BancSystem is more efficient with each dollar of assets it utilizes for everyday operations.First Interstate Profitability Analysis
Based on the measurements of profitability obtained from First Interstate's financial statements, First Interstate BancSystem may not be well positioned to generate adequate gross income at this time. It has a very high probability of underperforming in March. Profitability indicators assess First Interstate's ability to earn profits and add value for shareholders.Net Income | First Reported 2002-06-30 | Previous Quarter 71.4 M | Current Value 108.8 M | Quarterly Volatility 22 M |
| Current Value | Last Year | Change From Last Year | 10 Year Trend | ||||||
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| Gross Profit Margin | 0.66 | 0.9747 |
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| Net Profit Margin | 0.15 | 0.2855 |
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| Operating Profit Margin | 0.22 | 0.3701 |
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| Pretax Profit Margin | 0.22 | 0.3701 |
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| Return On Assets | 0.0108 | 0.0113 |
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| Return On Equity | 0.11 | 0.0876 |
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For First Interstate profitability analysis, we use financial ratios and fundamental drivers that measure the ability of First Interstate Ban to generate income relative to revenue, assets, operating costs, and current equity. These fundamental indicators attest to how well First Interstate utilizes its assets to generate profit and value for its shareholders. The profitability module also shows relationships between First Interstate's most relevant fundamental drivers. It provides multiple suggestions of what could affect the performance of First Interstate over time as well as its relative position and ranking within its peers.
First Interstate Earnings per Share Projection vs Actual
The next projected EPS of First Interstate is estimated to be 0.6345 with future projections ranging from a low of 0.6 to a high of 0.67. First Interstate's most recent 12-month trailing earnings per share (EPS TTM) is at 2.98. Please be aware that the consensus of earnings estimates for First Interstate BancSystem is based on EPS before non-recurring items and includes expenses related to employee stock options.First Interstate Earnings Estimation Breakdown
The calculation of First Interstate's earning per share is based on the data from the past 12 consecutive months, used for reporting the company's financial figures. The next projected EPS of First Interstate is estimated to be 0.6345 with the future projection ranging from a low of 0.6 to a high of 0.67. Please be aware that this consensus of annual earnings estimates for First Interstate BancSystem is based on EPS before non-recurring items and includes expenses related to employee stock options.Last Reported EPS
0.60 Lowest | Expected EPS | 0.67 Highest |
First Interstate Earnings Projection Consensus
Suppose the current estimates of First Interstate's value are higher than the current market price of the First Interstate stock. In this case, investors may conclude that First Interstate is overpriced and will exhibit bullish sentiment. On the other hand, if the present value is lower than the stock price, analysts may conclude that the market undervalues the equity. These scenarios may suggest that the market is not as efficient as it should be at the estimation time, and First Interstate's stock will quickly adjusts to the new information provided by the consensus estimate.
| Number of Analysts | Historical Accuracy | Last Reported EPS | Estimated EPS for 30th of June 2026 | Current EPS (TTM) | |
| 7 | 84.96% | 0.0 | 0.6345 | 2.98 |
First Interstate Ownership Allocation
First Interstate holds a total of 101.11 Million outstanding shares. The majority of First Interstate BancSystem outstanding shares are owned by other corporate entities. These outside corporations are usually referred to as non-private investors looking to obtain positions in First Interstate Ban to benefit from reduced commissions. Consequently, institutional investors are subject to a different set of regulations than regular investors in First Interstate. Please pay attention to any change in the institutional holdings of First Interstate BancSystem as this could imply that something significant has changed or is about to change at the company. Also note that almost nine million six hundred ninety-six thousand sixty-five invesors are currently shorting First Interstate expressing very little confidence in its future performance.First Interstate Profitability Analysis
The company reported the previous year's revenue of 1.06 B. Net Income was 226 M with profit before overhead, payroll, taxes, and interest of 1.03 B.First Interstate Past Distributions to stockholders
About First Interstate Valuation
We use absolute and relative valuation methodologies to arrive at the intrinsic value of First Interstate BancSystem. In general, an absolute valuation paradigm, as applied to this company, attempts to find the value of First Interstate Ban based exclusively on its fundamental and basic technical indicators. By analyzing First Interstate's financials, quarterly and monthly indicators, and their related drivers, we attempt to find the most accurate representation of First Interstate's intrinsic value. As compared to an absolute model, our relative valuation model uses a comparative analysis of First Interstate. We calculate exposure to First Interstate's market risk, different technical and fundamental indicators, and relevant financial multiples and ratios and then compare them to those of First Interstate's related companies.| Last Reported | Projected for Next Year | ||
| Gross Profit | 1 B | 1.1 B | |
| Pretax Profit Margin | 0.37 | 0.22 | |
| Operating Profit Margin | 0.37 | 0.22 | |
| Net Profit Margin | 0.29 | 0.15 | |
| Gross Profit Margin | 0.97 | 0.66 |
First Interstate Quarterly Retained Earnings |
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A single share of First Interstate represents a small ownership stake in the entity. As a stockholder of First, your percentage of company ownership is determined by dividing the number of shares you own by the total number of shares outstanding and then multiplying that amount by 100. Owning stock in a company generally confers both corporate voting rights and income from any dividends paid to the stock owner.
First Interstate Dividends Analysis For Valuation
Dividends Paid is expected to rise to about (167.5 M) this year. The value of Dividend Yield is estimated to slide to 0.03. Earnings Yield is expected to rise to 0.09 this year, although the value of Retained Earnings will most likely fall to about 715.2 M.
| Last Reported | Projected for Next Year | ||
| Dividends Paid | -176.3 M | -167.5 M | |
| Dividend Yield | 0.05 | 0.03 | |
| Dividend Payout Ratio | 0.64 | 0.37 | |
| Dividend Paid And Capex Coverage Ratio | 1.87 | 1.77 |
There are various types of dividends First Interstate can pay to its shareholders, and the actual value of the dividend is determined on a per-share basis. It is to be paid equally to all of First shareholders on a specific date, known as the payable date. The cash dividend is the most common type of dividend payment - it is the payment of actual cash from First Interstate BancSystem directly to its shareholders. There are other types of dividends that companies can issue, such as stock dividends or asset dividends. When First pays a dividend, it has no impact on its enterprise value. It does, however, lowers the Equity Value of First Interstate by the value of the dividends paid out.
First Interstate Growth Indicators
Investing in growth stocks can be very risky. If the company such as First Interstate does not do well, investors take a loss on the stock when it is time to sell. Also, because growth stocks typically do not pay dividends, the only opportunity an investor has to make money on their investment is when they eventually sell their shares.
| Common Stock Shares Outstanding | 102.8 M | |
| Quarterly Earnings Growth Y O Y | 1.159 | |
| Forward Price Earnings | 14.4092 |
First Interstate Current Valuation Indicators
First Interstate's valuation analysis is a process of estimating the intrinsic value of all assets and outstanding equities. There are different methodologies and models we use to develop the final First Interstate's valuation. The techniques such as discounted cash flow and fundamental indicators such as book value per share or market capitalization are well known and widely used across most financial advisers and money managers.
Valuations are an essential part of business, for companies themselves, but also for investors. For companies, such as First Interstate, valuations can help measure their progress and success and can help them track their performance in the market compared to others. In addition, investors can use First Interstate's valuations to help determine the worth of potential investments. They can do this by using data and information made public by a company. Regardless of who the valuation is for, it essentially describes First Interstate's worth.When determining whether First Interstate Ban is a good investment, qualitative aspects like company management, corporate governance, and ethical practices play a significant role. A comparison with peer companies also provides context and helps to understand if First Stock is undervalued or overvalued. This multi-faceted approach, blending both quantitative and qualitative analysis, forms a solid foundation for making an informed investment decision about First Interstate Bancsystem Stock. Highlighted below are key reports to facilitate an investment decision about First Interstate Bancsystem Stock: Check out Investing Opportunities to better understand how to build diversified portfolios, which includes a position in First Interstate BancSystem. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in bureau of labor statistics. You can also try the Portfolio File Import module to quickly import all of your third-party portfolios from your local drive in csv format.
Is Regional Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of First Interstate. Market participants price First higher when confident in its future expansion prospects. The financial industry is built on trying to define current growth potential and future valuation accurately. Comprehensive First Interstate assessment requires weighing all these inputs, though not all factors influence outcomes equally.
Quarterly Earnings Growth 1.159 | Dividend Share 1.88 | Earnings Share 2.98 | Revenue Per Share | Quarterly Revenue Growth 0.344 |
First Interstate Ban's market price often diverges from its book value, the accounting figure shown on First's balance sheet. Smart investors calculate First Interstate's intrinsic value - its true economic worth - which may differ significantly from both market price and book value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Since First Interstate's trading price responds to investor sentiment, macroeconomic conditions, and market psychology, it can swing far from fundamental value.
Please note, there is a significant difference between First Interstate's value and its price as these two are different measures arrived at by different means. Investors typically determine if First Interstate is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, First Interstate's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.