First Interstate BancSystem

FIBK

Banks - Regional · Financial Services

Price

$39.18

-1.04 (-2.59%)

Market Cap

$3.81B

Exchange

NASDAQ

Winston Score

Winston is curious

A decent business — some strong pillars, some weaker.

Share count rising — dilution

+66.5% over 4y

The company has issued more shares over this period, which dilutes each existing shareholder’s stake.

Diluted shares outstanding: 61.7M (2021) → 102.8M (2025)

First Interstate BancSystem, Inc. operates as the bank holding company for First Interstate Bank that provides range of banking products and services in the United States. It offers various traditional depository products, including checking, savings, and time deposits; and repurchase agreements primarily for commercial and municipal depositors. The company also offers real estate loans comprising commercial real estate, construction, residential, agricultural, and other real estate loans; consu

Winston Score History

Politician Trades

2 trades / 12mo

1 Congressional buy and 1 sell on FIBK in the last 12 months.

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Score breakdown

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Quality

Gross Margin

97.2%

Premium pricing power — 97.2% gross margin

Operating Margin

31.9%

Excellent — 31.9% operating margin

ROCE

1.9%

Weak — 1.9% return on capital

ROIC between 0% and 5%. They earn a few cents back per dollar invested in the business.

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Growth

Sales YoY

-15.7%

Shrinking sales (-15.7% YoY)

EPS YoY

+44.8%

Earnings growing fast (44.8% YoY)

Earnings growing 25%+ a year. The compounder zone.

EPS Consistency

8/8 quarters

Every recent quarter grew earnings vs last year

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Cash Flow

Cash Conversion

90%

Modest — 90% of profit becomes cash

FCF Margin

20.6%

Converts sales into free cash efficiently (20.6%)

Free cash flow margin above 20%. Out of every $100 in sales, more than $20 is real cash they keep.

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Stability

Debt / Equity

0.23

Conservative — low debt load (0.23)

Interest Cover

1.24x

Dangerous — barely covers interest (1.2x)

Interest coverage between 1 and 3. Profits cover interest, but with little room to spare.

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Valuation

P/E Ratio (TTM)

12.8x

Attractive valuation — P/E 12.8

P/E in the normal range. Price is roughly $15 for every $1 of yearly profit.

P/E vs Forward

-1.7

SLOWING

Earnings expected to fall — forward P/E higher than today

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Dividends

Dividend Yield

4.84%

Healthy income — 4.84% yield

Generous yield. Worth checking whether the payout is sustainable.

Dividend Growth

+0.0%

Dividend flat

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