FIRST INTERSTATE BANCSYS-A (FIBK)
US32055Y2019 - Common Stock
Taking everything into account, FIBK scores 2 out of 10 in our fundamental rating. FIBK was compared to 406 industry peers in the Banks industry. Both the profitability and financial health of FIBK have multiple concerns. FIBK is valued correctly, but it does not seem to be growing. Finally FIBK also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
In the past year FIBK was profitable.
In the past year FIBK had a positive cash flow from operations.
Of the past 5 years FIBK 4 years were profitable.
Of the past 5 years FIBK 4 years had a positive operating cash flow.
1.2 Ratios
The Return On Assets of FIBK (0.84%) is comparable to the rest of the industry.
FIBK has a Return On Equity of 7.98%. This is comparable to the rest of the industry: FIBK outperforms 50.49% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.84% | ||
| ROE | 7.98% | ||
| ROIC | N/A |
ROA(3y)0.81%
ROA(5y)0.92%
ROE(3y)8.07%
ROE(5y)8.29%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
FIBK's Profit Margin of 25.10% is fine compared to the rest of the industry. FIBK outperforms 63.37% of its industry peers.
FIBK's Profit Margin has declined in the last couple of years.
The Operating Margin and Gross Margin are not available for FIBK so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 25.1% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y0.59%
PM growth 5Y-2.04%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
FIBK does not have a ROIC to compare to the WACC, probably because it is not profitable.
FIBK has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
2.2 Solvency
FIBK has a debt to FCF ratio of 9.18. This is a negative value and a sign of low solvency as FIBK would need 9.18 years to pay back of all of its debts.
Looking at the Debt to FCF ratio, with a value of 9.18, FIBK is doing worse than 70.05% of the companies in the same industry.
FIBK has a Debt/Equity ratio of 1.14. This is a high value indicating a heavy dependency on external financing.
FIBK has a worse Debt to Equity ratio (1.14) than 87.38% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.14 | ||
| Debt/FCF | 9.18 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC8.8%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The earnings per share for FIBK have decreased strongly by -15.87% in the last year.
The Earnings Per Share has been decreasing by -4.13% on average over the past years.
EPS 1Y (TTM)-15.87%
EPS 3Y-9.57%
EPS 5Y-4.13%
EPS Q2Q%-22.86%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%-6.1%
3.2 Future
The Earnings Per Share is expected to grow by 11.16% on average over the next years. This is quite good.
Based on estimates for the next years, FIBK will show a small growth in Revenue. The Revenue will grow by 5.67% on average per year.
EPS Next Y9.3%
EPS Next 2Y11.16%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year4.95%
Revenue Next 2Y5.67%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 14.32, which indicates a correct valuation of FIBK.
FIBK's Price/Earnings ratio is in line with the industry average.
The average S&P500 Price/Earnings ratio is at 27.73. FIBK is valued slightly cheaper when compared to this.
With a Price/Forward Earnings ratio of 12.98, FIBK is valued correctly.
FIBK's Price/Forward Earnings is on the same level as the industry average.
FIBK's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 22.83.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.32 | ||
| Fwd PE | 12.98 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of FIBK indicates a rather cheap valuation: FIBK is cheaper than 81.68% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 8.53 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
FIBK's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.54
PEG (5Y)N/A
EPS Next 2Y11.16%
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 5.96%, FIBK is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 3.02, FIBK pays a better dividend. On top of this FIBK pays more dividend than 95.79% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.24, FIBK pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.96% |
5.2 History
The dividend of FIBK is nicely growing with an annual growth rate of 11.09%!
FIBK has paid a dividend for at least 10 years, which is a reliable track record.
The dividend of FIBK decreased recently.
Dividend Growth(5Y)11.09%
Div Incr Years0
Div Non Decr Years1
5.3 Sustainability
FIBK pays out 75.77% of its income as dividend. This is not a sustainable payout ratio.
FIBK's earnings are growing around the same pace than its dividend. As long as the earnings growth is kept the dividend growth is sustainable.
DP75.77%
EPS Next 2Y11.16%
EPS Next 3YN/A
FIRST INTERSTATE BANCSYS-A
NASDAQ:FIBK (12/20/2024, 8:11:17 PM)
After market: 32.64 0 (0%)32.64
+1.12 (+3.55%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners80.19%
Inst Owner Change-0.18%
Ins Owners11.93%
Ins Owner Change1.57%
Market Cap3.41B
Analysts73.85
Price Target34.1 (4.47%)
Short Float %2.56%
Short Ratio3.75
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.96% |
Dividend Growth(5Y)11.09%
DP75.77%
Div Incr Years0
Div Non Decr Years1
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)3.27%
Min EPS beat(2)-4.62%
Max EPS beat(2)11.15%
EPS beat(4)1
Avg EPS beat(4)-8.22%
Min EPS beat(4)-33.79%
Max EPS beat(4)11.15%
EPS beat(8)1
Avg EPS beat(8)-12.41%
EPS beat(12)4
Avg EPS beat(12)-6.6%
EPS beat(16)6
Avg EPS beat(16)-5.97%
Revenue beat(2)0
Avg Revenue beat(2)-2.66%
Min Revenue beat(2)-3.2%
Max Revenue beat(2)-2.13%
Revenue beat(4)0
Avg Revenue beat(4)-5.88%
Min Revenue beat(4)-12.81%
Max Revenue beat(4)-2.13%
Revenue beat(8)1
Avg Revenue beat(8)-3.86%
Revenue beat(12)2
Avg Revenue beat(12)-3.13%
Revenue beat(16)2
Avg Revenue beat(16)-3.12%
PT rev (1m)1.74%
PT rev (3m)0.86%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)-2.44%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.3%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.32 | ||
| Fwd PE | 12.98 | ||
| P/S | 3.33 | ||
| P/FCF | 8.53 | ||
| P/OCF | 7.97 | ||
| P/B | 1.06 | ||
| P/tB | 1.72 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.28
EY6.99%
EPS(NY)2.51
Fwd EY7.7%
FCF(TTM)3.82
FCFY11.72%
OCF(TTM)4.09
OCFY12.54%
SpS9.81
BVpS30.88
TBVpS19.03
PEG (NY)1.54
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.84% | ||
| ROE | 7.98% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 25.1% | ||
| GM | N/A | ||
| FCFM | 38.97% |
ROA(3y)0.81%
ROA(5y)0.92%
ROE(3y)8.07%
ROE(5y)8.29%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y0.59%
PM growth 5Y-2.04%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.14 | ||
| Debt/FCF | 9.18 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 52.42% | ||
| Cap/Sales | 2.75% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 155.26% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score7
WACC8.8%
ROIC/WACCN/A
Cap/Depr(3y)31.51%
Cap/Depr(5y)40.88%
Cap/Sales(3y)1.77%
Cap/Sales(5y)2.5%
Profit Quality(3y)185.32%
Profit Quality(5y)152.96%
High Growth Momentum
Growth
EPS 1Y (TTM)-15.87%
EPS 3Y-9.57%
EPS 5Y-4.13%
EPS Q2Q%-22.86%
EPS Next Y9.3%
EPS Next 2Y11.16%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%-6.1%
Revenue Next Year4.95%
Revenue Next 2Y5.67%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-23.69%
FCF growth 3Y18.86%
FCF growth 5Y13.3%
OCF growth 1Y-19.91%
OCF growth 3Y16.84%
OCF growth 5Y14.22%