Stocks · Financial Services · Banks - Regional
First Interstate BancSystem, Inc. FIBK
$36.00 +0.64% Close, Oct 2, 2026 · NASDAQ · Market cap $3.50B
Inexpensive vs sector
Next earnings report: Nov 4, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- Operating margin widened to 43.8% from 20.9% a year earlier.
- Diluted EPS over the last four quarters was $3.25, up 46.4% year over year.
- Revenue over the last four quarters was $953.3M, down 33.4% from a year earlier, slowing from -15.7% a quarter earlier.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Bottom 3%
- EPS growth (TTM, YoY)Top 22%
- FCF growth (TTM, YoY)Bottom 20%
- Revenue growth, 3-year CAGRBottom 5%
- Revenue growth accelerationBottom 10%
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalBottom 10%
- Gross marginTop 1%
- Operating marginTop 11%
- Cash conversion (OCF / net income)Bottom 32%
- Accruals (lower is better)Bottom 29%
- Net debt / EBITDA (lower is better)Top 3%
- Interest coverTop 39%
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 24%
- Free-cash-flow yieldBottom 44%
- P/E vs own 5-year history (lower is better)Top 22%
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 41%
- 6-month returnTop 45%
- 1-year return vs S&P 500Top 40%
- Distance from 52-week highBottom 47%
- Trend checklist (0–4)Bottom 27%
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersTop 9%
- Consecutive EPS beatsTop 24%
- Share of analysts rating BuyBottom 30%
- Upside to consensus price targetBottom 10%
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Top 34%
- Maximum drawdown, 3 yearsBottom 40%
- Beta vs S&P 500 (lower is better)Bottom 26%
- Net debt / EBITDA (lower is better)Top 3%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | -15.7% | -33.4% | ↓ |
| EPS growth (YoY) | 45.5% | 46.4% | ↑ |
| Gross margin | 65.4% | 105.2% | ↑ |
| Operating margin | 20.9% | 43.8% | ↑ |
| FCF margin | 21.3% | 25.5% | ↑ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | -33.4% | -15.7% | ↓ | Bottom 3% |
| EPS growth (TTM, YoY) | 46.4% | 45.5% | ↑ | Top 22% |
| Gross margin | 105.2% | 65.4% | ↑ | Top 1% |
| Operating margin | 43.8% | 20.9% | ↑ | Top 11% |
| Net margin | 34.0% | 16.0% | ↑ | — |
| Free-cash-flow margin | 25.5% | 21.3% | ↑ | — |
| Return on invested capital | -2.8% | — | Bottom 10% | |
| Revenue growth, 3-year CAGR | -3.7% | — | Bottom 5% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 0.84×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- 0.2%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 1.2%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- -66.6 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- -16.01×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 1.4×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 5.40%
- Net buyback yield (TTM)
- 7.89%
- Shareholder yield
- 13.29%
- Share count change, 1 year
- -6.4%
- Share count change, 3-year CAGR
- -2.3%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 3, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 5
- Beats in the last 8 reports
- 6 of 8
- Average EPS surprise, last 4
- +30.8%
- Average 2-day reaction, last 8
- -1.0%
- Positive 20 days after report
- 3 of 8
Analysts
- Consensus price target
- $35.75
- Target vs current price
- -0.7%
- Analysts with a rating
- 15
- Share rating Buy or Strong Buy
- 33%
- Consensus rating
- Hold
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 23, 2026 | +35.9% | -0.8% | -1.7% | -1.4% | — |
| Apr 29, 2026 | +1.7% | -3.5% | +0.6% | -0.1% | +6.8% |
| Jan 28, 2026 | +68.8% | -0.5% | +2.0% | -1.4% | -5.4% |
| Oct 29, 2025 | +16.9% | -0.5% | -1.8% | +2.7% | +13.8% |
| Jul 29, 2025 | +21.1% | -0.9% | -1.2% | +7.4% | +5.3% |
| Apr 29, 2025 | -12.5% | -1.0% | -4.8% | -3.0% | +5.2% |
| Jan 29, 2025 | +2.0% | -1.1% | -2.4% | -8.7% | -14.8% |
| Oct 24, 2024 | -6.9% | +0.2% | -1.1% | +4.5% | +1.3% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 23, 2026 | $0.87 | $0.64 | +35.9% | $263.9M |
| Apr 29, 2026 | $0.61 | $0.60 | +1.7% | $241.8M |
| Jan 28, 2026 | $1.08 | $0.64 | +68.8% | $313.0M |
| Oct 29, 2025 | $0.69 | $0.59 | +16.9% | $250.5M |
| Jul 29, 2025 | $0.69 | $0.57 | +21.1% | $248.3M |
| Apr 29, 2025 | $0.49 | $0.56 | -12.5% | $247.0M |
| Jan 29, 2025 | $0.50 | $0.49 | +2.0% | $261.3M |
| Oct 24, 2024 | $0.54 | $0.58 | -6.9% | $251.9M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 11.1× | 12.8× | 24th | Top 24% |
| P/E (forward) | 12.6× | — | — | — |
| Free-cash-flow yield | 6.96% | — | — | Bottom 44% |
| Earnings yield | 9.03% | — | — | Top 24% |
P/E over the past five years
Range 8.7× – 24.4× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- +13.4%
- Earnings per share growth (TTM)
- +46.4%
- Change in P/E multiple
- -9.7%
Most of the move came from earnings growth.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✗ Price above 200-day average
- ✓ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 0
- 50-day average slope (20 days)
- -2.3%
- 200-day average slope (20 days)
- +1.0%
- Distance from 50-day average
- -3.7%
- Distance from 200-day average
- -0.8%
- RSI (14)
- 41.1
- Relative volume
- 0.97×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 17.7%
- Volatility vs own 5-year history
- 0th percentile · Low for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.92
- Correlation with S&P 500
- 0.51
- Current drawdown from 1-year high
- -10.5%
- Maximum drawdown, 3 years
- -32.7%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Mar 12, 2021 | Oct 24, 2023 | -57.3% | 659 days | Not yet recovered |
| Jan 12, 2021 | Jan 29, 2021 | -11.3% | 12 days | 10 days (Feb 12, 2021) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $3.50B
- P/E (TTM)
- 11.1
- EPS, diluted (TTM)
- $3.25
- Revenue (TTM)
- $953.3M
- Dividend yield
- 5.22%
- 52-week range
- $29.10 – $40.60
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $656.0M | $1.18B | $1.43B | $1.48B | $1.06B |
| Gross profit | $653.3M | $1.02B | $993.6M | $931.9M | $1.03B |
| Operating income | $247.8M | $257.1M | $336.8M | $294.5M | $391.7M |
| Net income | $192.1M | $202.2M | $257.5M | $226.0M | $302.1M |
| EPS (diluted) | $3.11 | $1.96 | $2.48 | $2.19 | $2.94 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $374.4M | $372.8M | $345.3M | $338.6M | $335.7M | $313.0M | $242.9M | $61.7M |
| Net income | $55.5M | $52.1M | $50.2M | $71.7M | $71.4M | $108.8M | $60.2M | $83.9M |
| EPS (diluted) | $0.54 | $0.50 | $0.49 | $0.69 | $0.69 | $1.08 | $0.61 | $0.87 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $282.3M | $534.4M | $428.0M | $355.0M | $305.6M |
| Capital expenditure | -$10.3M | -$10.5M | -$28.2M | -$23.0M | -$27.8M |
| Free cash flow | $272.0M | $523.9M | $399.8M | $332.0M | $277.8M |
| Dividends paid | -$101.6M | -$182.1M | -$195.1M | -$195.9M | -$194.3M |
| Net share buybacks | -$5.0M | -$198.9M | -$34.0M | -$1.2M | -$121.9M |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $8.33B
- Total assets
- $25.89B
- Total liabilities
- $22.56B
- Total debt
- $751.9M
- Net debt
- -$7.58B
- Shareholders’ equity
- $3.32B
As of Jun 30, 2026 (filed Aug 3, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Aug 4, 2026 | $0.47 | Aug 14, 2026 |
| May 11, 2026 | $0.47 | May 21, 2026 |
| Feb 10, 2026 | $0.47 | Feb 20, 2026 |
| Nov 10, 2025 | $0.47 | Nov 20, 2025 |
| Aug 11, 2025 | $0.47 | Aug 21, 2025 |
| May 12, 2025 | $0.47 | May 22, 2025 |
| Feb 10, 2025 | $0.47 | Feb 20, 2025 |
| Nov 4, 2024 | $0.47 | Nov 14, 2024 |
Short interest
- Shares sold short
- 9,884,438
- Days to cover
- 10.32
- Change vs previous report
- +3.8%
FINRA short interest, settlement date Sep 15, 2026.