First Interstate BancSystem, Inc. (FIBK) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Comparison

Company

Score

Quality

Valuation

Financial

Technical

Columbia Banking System, Inc.

ServisFirst Bancshares, Inc.

Synovus Financial Corp.

International Bancshares Corp.

United Community Banks, Inc.

United Bankshares, Inc. (West Virginia)

Ameris Bancorp

Hancock Whitney Corp.

First Interstate BancSystem, Inc.

Glacier Bancorp, Inc.

BancFirst Corp. (Oklahoma)

Why is First Interstate BancSystem, Inc. ?

High Profitability with a Net Interest Margin of 13.75%

Healthy long term growth as Net Interest Income (ex other income) has grown by an annual rate of 0%

Flat results in Dec 25

NET SALES(HY) At USD 292 MM has Grown at -55.34%
OPERATING CASH FLOW(Y) Lowest at USD 238.3 MM
ROCE(HY) Lowest at 1.08%

With ROA of 0.57%, it has a very attractive valuation with a 0.95 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 17.55%, its profits have fallen by -9.1%

High Institutional Holdings at 92.28%

These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
Their stake has increased by 2.77% over the previous quarter.

Real-Time Research Report

Verdict Report

How 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.

22.33%

0.98

33.91%

S&P 500

20.78%

0.92

19.35%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

11.26%

EBIT Growth (5y)

18.01%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

63.95%

Pledged Shares

Institutional Holding

92.28%

ROCE (avg)

ROE (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

0.95

EV to EBIT

11.37

EV to EBITDA

9.57

EV to Capital Employed

0.95

EV to Sales

2.28

PEG Ratio

Dividend Yield

4.57%

ROCE (Latest)

8.33%

ROE (Latest)

6.71%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Mildly Bearish

Bullish

RSI

No Signal

Bollinger Bands

Bearish

Mildly Bullish

Moving Averages

Mildly Bullish (Daily)

KST

Mildly Bearish

Bullish

Dow Theory

Mildly Bearish

OBV

Mildly Bearish

Bullish

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

13What is working for the Company

ROCE(HY)

Highest at 1.08%

OPERATING PROFIT(Q)

Highest at USD 139.2 MM

PRE-TAX PROFIT(Q)

Highest at USD 139.2 MM

NET PROFIT(Q)

Highest at USD 108.8 MM

EPS(Q)

Highest at USD 1.08

-15What is not working for the Company

NET SALES(HY)

At USD 292 MM has Grown at -55.34%

OPERATING CASH FLOW(Y)

Lowest at USD 238.3 MM

ROCE(HY)

Lowest at 1.08%

DIVIDEND PAYOUT RATIO(Y)

Lowest at 43.67%

CREDIT DEPOSIT RATIO(HY)

Lowest at 68.75%

Here's what is working for First Interstate BancSystem, Inc.

Operating Profit

Highest at USD 139.2 MM

in the last five periods

MOJO Watch

Near term Operating Profit trend is positive

Operating Profit (USD MM)

Pre-Tax Profit

Highest at USD 139.2 MM

in the last five periods

MOJO Watch

Near term Pre-Tax Profit trend is positive

Pre-Tax Profit (USD MM)

Pre-Tax Profit

At USD 139.2 MM has Grown at 74.44%

over average net sales of the previous four periods of USD 79.8 MM

MOJO Watch

Near term Pre-Tax Profit trend is positive

Pre-Tax Profit (USD MM)

Net Profit

Highest at USD 108.8 MM

in the last five periods

MOJO Watch

Near term Net Profit trend is positive

Net Profit (USD MM)

Net Profit

At USD 108.8 MM has Grown at 77.34%

over average net sales of the previous four periods of USD 61.35 MM

MOJO Watch

Near term Net Profit trend is positive

Net Profit (USD MM)

EPS

Highest at USD 1.08

in the last five periods

MOJO Watch

Increasing profitability; company has created higher earnings for shareholders

EPS (USD)

CASA

Highest at 14.38%

in the last five periods

MOJO Watch

The Bank's capital base vs its risk assets is improving. However, the bank may not be taking adequate risk in its lending book.

CAR (%)

Here's what is not working for First Interstate BancSystem, Inc.

Net Sales

At USD 292 MM has Grown at -55.34%

Year on Year (YoY)

MOJO Watch

Near term sales trend is very negative

Net Sales (USD MM)

Operating Cash Flow

Lowest at USD 238.3 MM and Fallen

In each year in the last three years

MOJO Watch

The company's cash revenues from business operations are falling

Operating Cash Flows (USD MM)

Credit Deposit Ratio

Lowest at 68.75%

in the last four Semi-Annual periods

MOJO Watch

Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets

Credit Deposit Ratio (%)

Dividend Payout Ratio

Lowest at 43.67%

in the last five years

MOJO Watch

Company is distributing lower proportion of profits generated as dividend

DPR (%)