ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is First Interstate BancSystem, Inc. ?
1
High Profitability with a Net Interest Margin of 11.01%
2
Healthy long term growth as Net Interest Income (ex other income) has grown by an annual rate of 0%
3
Flat results in Jun 25
- OPERATING CASH FLOW(Y) Lowest at USD 331.7 MM
- GROSS NPA (%)(Q) Highest at 1.19%
- CREDIT DEPOSIT RATIO(HY) Lowest at 72.26%
4
With ROA of 0.52%, it has a very attractive valuation with a 0.87 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 -6.60%, its profits have fallen by -16.1%
5
High Institutional Holdings at 90.23%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
- Their stake has increased by 1.41% over the previous quarter.
6
Underperformed the market in the last 1 year
- Even though the market (S&P 500) has generated returns of 12.33% in the last 1 year, the stock has hugely underperformed and has generate negative returns of -6.60% returns
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.
-1.87%
0.88
33.97%
S&P 500
13.22%
0.61
20.17%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
18.26%
EBIT Growth (5y)
10.99%
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
85.84%
Pledged Shares
0
Institutional Holding
90.23%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
13
Industry P/E
Price to Book Value
0.87
EV to EBIT
15.45
EV to EBITDA
12.84
EV to Capital Employed
0.89
EV to Sales
2.85
PEG Ratio
NA
Dividend Yield
5.10%
ROCE (Latest)
5.78%
ROE (Latest)
6.48%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Mildly Bearish
Dow Theory
Mildly Bullish
Mildly Bullish
OBV
Mildly Bearish
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend6What is working for the Company
CASH AND EQV(HY)
Highest at USD 827 MM
OPERATING PROFIT(Q)
Highest at USD 93.5 MM
OPERATING PROFIT MARGIN(Q)
Highest at 31.43 %
PRE-TAX PROFIT(Q)
Highest at USD 93.5 MM
NET PROFIT(Q)
Highest at USD 71.7 MM
EPS(Q)
Highest at USD 0.69
-7What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at USD 331.7 MM
GROSS NPA (%)
(Q
CREDIT DEPOSIT RATIO(HY)
Lowest at 72.26%
NET SALES(Q)
Lowest at USD 297.5 MM
Here's what is working for First Interstate BancSystem, Inc.
Operating Profit
Highest at USD 93.5 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (USD MM)
Operating Profit Margin
Highest at 31.43 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
Highest at USD 93.5 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
Net Profit
Highest at USD 71.7 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
EPS
Highest at USD 0.69
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (USD)
Cash and Eqv
Highest at USD 827 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
CASA
Highest at 13.43%
in the last five periodsMOJO 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.
Operating Cash Flow
Lowest at USD 331.7 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)
Non Performing Loans (%)
Highest at 1.19%
in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are increasing
Non Performing Loans (%)
Net Sales
Lowest at USD 297.5 MM
in the last five periodsMOJO Watch
Near term sales trend is negative
Net Sales (USD MM)
Credit Deposit Ratio
Lowest at 72.26%
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 (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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