ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is First Interstate BancSystem, Inc. ?
1
High Profitability with a Net Interest Margin of 13.75%
2
Healthy long term growth as Net Interest Income (ex other income) has grown by an annual rate of 0%
- OPERATING CASH FLOW(Y) Lowest at USD 282.1 MM
- ROCE(HY) Lowest at 1.14%
- CREDIT DEPOSIT RATIO(HY) Lowest at 67.31%
3
With ROA of 0.73%, it has a very attractive valuation with a 0.96 Price to Book Value
- The stock is trading at a discount compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 35.99%, its profits have risen by 33.7% ; the PEG ratio of the company is 0.3
4
High Institutional Holdings at 100%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
- Their stake has increased by 7.72% over the previous quarter.
5
Market Beating Performance
- The stock has generated a return of 35.99% in the last 1 year, much higher than market (S&P 500) returns of 22.24%
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to First Interstate BancSystem, Inc. should be less than 10%
- Overall Portfolio exposure to Regional Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is First Interstate BancSystem, Inc. for you?
Medium Risk, High Return
Absolute
Risk Adjusted
Volatility
First Interstate BancSystem, Inc.
35.77%
1.59
29.08%
S&P 500
20.78%
1.67
13.28%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
17.61%
EBIT Growth (5y)
22.60%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
63.99%
Pledged Shares
0
Institutional Holding
100.00%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
11
Industry P/E
Price to Book Value
0.96
EV to EBIT
7.46
EV to EBITDA
6.58
EV to Capital Employed
0.95
EV to Sales
2.19
PEG Ratio
0.31
Dividend Yield
5.92%
ROCE (Latest)
12.77%
ROE (Latest)
8.76%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bearish
Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
Mildly Bullish
No Trend
OBV
No Trend
Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend7What is working for the Company
NET PROFIT(HY)
At USD 169 MM has Grown at 65.2%
ROCE(HY)
Highest at 1.14%
-14What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at USD 282.1 MM
ROCE(HY)
Lowest at 1.14%
CREDIT DEPOSIT RATIO(HY)
Lowest at 67.31%
NET SALES(Q)
Lowest at USD 271.3 MM
NII(Q)
Lowest at USD 200.7 MM
PRE-TAX PROFIT(Q)
At USD 77.5 MM has Fallen at -20.86%
NET PROFIT(Q)
At USD 60.2 MM has Fallen at -20.29%
Here's what is working for First Interstate BancSystem, Inc.
Depreciation
At USD 12.5 MM has Grown at 28.87%
period on period (QoQ)MOJO Watch
The expenditure on assets done by the company has gone into productive use which should positively reflect in the future sales
Depreciation (USD MM)
Here's what is not working for First Interstate BancSystem, Inc.
Operating Cash Flow
Lowest at USD 282.1 MM and Fallen
In each year in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (USD MM)
Net Sales
Lowest at USD 271.3 MM and Fallen
In each period in the last five periodsMOJO Watch
Near term sales trend is very negative
Net Sales (USD MM)
NII
Lowest at USD 200.7 MM
in the last five periodsMOJO Watch
The bank's income from core business is falling
NII (USD MM)
Credit Deposit Ratio
Lowest at 67.31% and Fallen
In each half year in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets
Credit Deposit Ratio (%)
Pre-Tax Profit
At USD 77.5 MM has Fallen at -20.86%
over average net sales of the previous four periods of USD 97.92 MMMOJO Watch
Near term Pre-Tax Profit trend is negative
Pre-Tax Profit (USD MM)
Net Profit
At USD 60.2 MM has Fallen at -20.29%
over average net sales of the previous four periods of USD 75.53 MMMOJO Watch
Near term Net Profit trend is negative
Net Profit (USD MM)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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