NASDAQ
FIBK
Last Price
US $39.26
KEY FIGURES
MKT CAP
$3.8B
EPS
TTM
$3.16
PEG
TTM
0.28x
P/E
TTM
12.58x
P/S
TTM
3.55x
YIELD
4.87%
GROWTH
Revenue Y/Y
Profit margin
Current Ratio
Capital Returns
9.13%
Return on equity
ROIC: 1.18%
Valuation History
12.6X
Price to Earnings
EV/EBITDA: 9.2X
Cash flow
Profit margin
9.24%
(FY vs FY)
EBITDA Y/Y
11.71%
(FY vs FY)
Cash flow Y/Y
3.13%
(FY vs FY)
Cash Flow (DCF)
Fair Value
Market $39.26
-16.91%
Default assumptions
EBITDA Multiple
Fair Value
Market $39.26
-41.44%
Default assumptions
Base valuations use default assumptions. Customize in the Valuator.
Valuation
Financial
Performance
Financial stability - Cash flow debt coverage.
First Interstate BancSystem, Inc. cash flow to debt ratio of 39.40% indicates that the company generates enough cash to cover its debts. This level indicates strong financial health.
Financial risk - Healthy cash flow growth.
First Interstate BancSystem, Inc.'s free cash flow has decreased -16.33% from $332.00M last year to $277.80M, signaling decreasing performance
Financial stability - Healthy debt to equity ratio.
First Interstate BancSystem, Inc.'s debt to equity ratio is 0.23, which means that the company's assets are healthy financed, signaling financial stability. READ MORE: A ratio under 0.60 means the company finances its assets with own equity, signaling financial stability and good management.
Financial stability - Healthy debt to equity ratio development.
First Interstate BancSystem, Inc.'s debt has decreased relative to shareholder equity from 0.72 last year to 0.23 today, signaling strengthened financials
Financial stability - Net debt/EBITDA.
First Interstate BancSystem, Inc. has a net debt to EBITDA ratio of 0.94x, which is below the 3.00x threshold, indicating healthy leverage and financial stability
Financial stability - ICR.
First Interstate BancSystem, Inc. earns at least as much interest as it pays. Interest obligations are fully covered.
Financial stability - Profit margin growth.
First Interstate BancSystem, Inc.'s profit margin has increased (66.21%) in the last year from 15.26% to 25.37%, signaling increasing performance
Financial risk - Short term assets vs short term liabilities.
First Interstate BancSystem, Inc.'s short-term liabilities of $12.09G exceed its short-term assets of $460.80M, signaling financial risk
Decreasing performance - ROA.
First Interstate BancSystem, Inc.'s return on assets of 1.18% is lower than the 5.00% threshold, indicating inefficient asset utilization
Decreasing performance - Absolute return on equity.
First Interstate BancSystem, Inc.'s return on equity of 9.13%, is lower than 15.00%, indicating bad performance
Increasing performance - Earnings quality.
First Interstate BancSystem, Inc.'s operating cash flow exceeds its net income, indicating high-quality earnings backed by actual cash generation
Increasing performance - Earnings stability.
First Interstate BancSystem, Inc. had positive net income in 5.00 out of 5 years, indicating stable and consistent earnings
Increasing performance - Free cash flow.
First Interstate BancSystem, Inc. has positive free cash flow, indicating the company generates cash after capital expenditures
Increasing performance - FCF yield.
First Interstate BancSystem, Inc. has a free cash flow yield of 7.40%, which is above the 2.00% threshold, indicating strong cash generation relative to market value
Increasing performance - Healthy earnings growth.
First Interstate BancSystem, Inc.'s yearly earnings has increased 33.67% since last year from $226.00M to $302.10M, signaling increasing performance
Decreasing performance - Healthy revenue growth.
First Interstate BancSystem, Inc.'s yearly revenue has decreased -28.52% since last year from $1.48G to $1.06G, signaling decreasing performance
Decreasing performance - ROIC.
ROIC 1.18% (Source: FMP key-metrics). Below the 5% partial-credit threshold. Score: 0 of 2. The 5% and 10% cutoffs anchor to typical US weighted-average cost of capital. Below 5% indicates the company is not generating returns above its likely cost of capital under this definition of invested capital. Invested capital here includes equity, non-current liabilities (pension obligations, deferred taxes, lease obligations), and short-term debt. Cash is not subtracted. Companies with substantial float, lease portfolios, or cash holdings will score lower under this definition than under narrower operating-capital definitions. See methodology.
Decreasing performance - 3-year revenue CAGR.
First Interstate BancSystem, Inc.'s 3-year revenue CAGR of -3.69% is negative, indicating declining revenue over the past 3 years
Increasing performance - Revenue consistency.
First Interstate BancSystem, Inc. had revenue growth in 3.00 out of 5 years, indicating consistent revenue performance
Increasing performance - ROE consistency.
First Interstate BancSystem, Inc. had positive ROE in 5.00 out of 5 years, indicating consistent and reliable returns on equity
Overvalued - DCF valuation.
First Interstate BancSystem, Inc. is overvalued relative to its fair value price of 32.62 based on Discounted Cash Flow model
Undervalued - Earnings yield.
First Interstate BancSystem, Inc. has an earnings yield of 8.17%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings
Overvalued - EBITDA valuation.
First Interstate BancSystem, Inc. is overvalued relative to its fair value price of 22.99 based on EBITDA multiple model
Undervalued - EV/EBITDA.
First Interstate BancSystem, Inc. has an EV/EBITDA ratio of 9.23x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings
Undervalued - PEG ratio value.
First Interstate BancSystem, Inc. has a PEG-ratio under 1 which is considered undervalued
Undervalued - P/B ratio.
First Interstate BancSystem, Inc. has a price-to-book ratio of 1.14x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value
Undervalued - P/S ratio.
First Interstate BancSystem, Inc. has a price-to-sales ratio of 3.05x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue