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FIRST INTERSTATE BANCSYSTEM INC

FIBK

$38.02 ▼ -1.10 (-2.81%) at close

18 Visible periods

36 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Good

Bullish

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Analytical Summary

FIRST INTERSTATE BANCSYSTEM INC shows strong fundamentals with top-quartile Profit Margin (%) and Operating Margin (%). The company's metrics support a bullish outlook for growth-oriented investors.

Market Cap $3.9B

Dividend Yield 4.94%

Revenue Growth 5.9% ↗

Op. Margin 37.0% ↗

ROIC None

FCF / Share None

Trailing P/E 12.9x

Price / Book 1.1x

FCF Yield —

Debt / Equity —

info Valuation on last close. End-of-day price, Nov 5, 2026.

18-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$1.06B

↑ +5.9% —

Net Income Profit after all expenses

$302.10M

↑ +33.7% —

Operating Margin Operating profit as % of sales

37.0%

↑ +25.6% 92th

Long-Term Debt Long-term obligations

$99.00M

— +0.1% —

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Bullish Indicators

Operating Margin (%)Operating Margin (%) is in the top quartile
Profit Margin (%)Profit Margin (%) is in the top quartile

warning

Bearish Risks

No bearish risks detected.

Health Breakdown

Profitability ↓

Returns ↓

Dividend History

Dividend / share · sourced from SEC filings

$1.88 Latest / share

+0.0% YoY

+8.9% 11-yr CAGR

FY 2014

$0.80

FY 2015

$0.88

FY 2016

$0.96

FY 2017

$1.12

FY 2018

$1.24

FY 2019

$2.00

FY 2020

$1.64

FY 2021

$1.70

FY 2022

$1.88

FY 2023

$1.88

FY 2024

$1.88

FY 2025

Financial view

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📈 Is growth accelerating? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Revenue Growth YoY (%)	5.9% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: At sector avg	-2.5% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-142%)	-7.2% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-221%)	73.1% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+1119%)	-2.3% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-138%)	2.5% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-58%)	10.7% Good ↓ Good Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+79%)	17.1% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+185%)	18.1% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+202%)	7.9% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+31%)	7.2% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+20%)	3.2% Caution ↑ Caution Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-46%)	-2.8% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-146%)	4.6% Caution ↑ Caution Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-23%)	0.1% Caution Caution Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-98%)	-0.4% Weak Weak Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-107%)	—	—
EPS Growth YoY (%)	34.7% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-11.7% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	26.5% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-37.2% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	23.3% Good ↑ Good Improving Year-over-year change in earnings per share Optimal: > 10%	-10.9% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	2.5% Caution ↓ Caution Declining Year-over-year change in earnings per share Optimal: > 10%	33.8% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-3.7% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	12.0% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	1.6% Caution ↓ Caution Declining Year-over-year change in earnings per share Optimal: > 10%	-4.5% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	54.7% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	33.3% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	12.9% Fair Fair Year-over-year change in earnings per share Optimal: > 10%	-47.2% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	—	—
Net Income Growth YoY (%)	33.7% Excellent ↑ Excellent Improving Year-over-year change in net income	-12.2% Weak ↓ Weak Declining Year-over-year change in net income	27.3% Excellent ↑ Excellent Improving Year-over-year change in net income	5.3% Fair ↓ Fair Declining Year-over-year change in net income	19.2% Good ↑ Good Improving Year-over-year change in net income	-10.9% Weak ↓ Weak Declining Year-over-year change in net income	13.0% Fair ↓ Fair Declining Year-over-year change in net income	50.4% Excellent ↑ Excellent Improving Year-over-year change in net income	11.4% Fair ↑ Fair Improving Year-over-year change in net income	10.2% Fair ↓ Fair Declining Year-over-year change in net income	2.8% Caution ↓ Caution Declining Year-over-year change in net income	-2.0% Weak ↓ Weak Declining Year-over-year change in net income	47.9% Excellent ↑ Excellent Improving Year-over-year change in net income	30.7% Excellent ↑ Excellent Improving Year-over-year change in net income	19.2% Good Good Year-over-year change in net income	-30.6% Weak Weak Year-over-year change in net income	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	-1.4% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	16.1% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	16.2% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	20.1% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	3.5% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	10.0% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	15.3% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	14.3% Good ↑ Good Improving Compound annual revenue growth over 3 years	11.0% Good ↑ Good Improving Compound annual revenue growth over 3 years	6.1% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	2.5% Caution ↑ Caution Improving Compound annual revenue growth over 3 years	1.6% Weak ↑ Weak Improving Compound annual revenue growth over 3 years	0.6% Weak Weak Compound annual revenue growth over 3 years	1.4% Weak Weak Compound annual revenue growth over 3 years	—	—	—	—
Revenue CAGR 5Y (%)	10.1% Good ↓ Good Declining Compound annual revenue growth over 5 years	9.4% Good ↓ Good Declining Compound annual revenue growth over 5 years	12.2% Excellent → Excellent Stable Compound annual revenue growth over 5 years	17.6% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	8.9% Good ↓ Good Declining Compound annual revenue growth over 5 years	11.1% Good ↑ Good Improving Compound annual revenue growth over 5 years	12.1% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	10.6% Good ↑ Good Improving Compound annual revenue growth over 5 years	6.5% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	4.0% Caution ↑ Caution Improving Compound annual revenue growth over 5 years	2.4% Caution Caution Compound annual revenue growth over 5 years	0.9% Weak Weak Compound annual revenue growth over 5 years	—	—	—	—	—	—
EPS CAGR 3Y (%)	14.6% Good ↑ Good Improving Compound annual EPS growth over 3 years	-11.1% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-0.7% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-11.6% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	4.0% Caution ↓ Caution Declining Compound annual EPS growth over 3 years	6.9% Fair ↓ Fair Declining Compound annual EPS growth over 3 years	9.7% Fair ↑ Fair Improving Compound annual EPS growth over 3 years	13.0% Good ↑ Good Improving Compound annual EPS growth over 3 years	3.1% Caution ↓ Caution Declining Compound annual EPS growth over 3 years	2.8% Caution ↓ Caution Declining Compound annual EPS growth over 3 years	14.5% Good ↓ Good Declining Compound annual EPS growth over 3 years	25.3% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	32.6% Excellent Excellent Compound annual EPS growth over 3 years	-7.4% Weak Weak Compound annual EPS growth over 3 years	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Operating Margin (%) (%)	37.0% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+48%)	29.5% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+18%)	32.8% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+31%)	23.3% Good ↓ Good Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-7%)	38.8% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+55%)	32.0% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+28%)	36.9% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+47%)	35.8% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+43%)	31.9% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+28%)	34.9% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+40%)	33.8% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+35%)	36.0% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+44%)	38.1% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+52%)	24.6% Good ↑ Good Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	19.3% Good Good Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-23%)	15.9% Fair Fair Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-36%)	—	—
Effective Tax Rate (%) (%)	22.9% Fair → Fair Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	23.3% Fair → Fair Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	23.5% Fair ↑ Fair Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	21.4% Fair ↓ Fair Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	22.5% Fair → Fair Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	23.0% Fair ↓ Fair Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	23.0% Fair ↓ Fair Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	22.3% Fair ↓ Fair Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	32.0% Weak ↓ Weak Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	34.2% Weak → Weak Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	33.5% Weak → Weak Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	34.9% Weak → Weak Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	35.1% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	34.0% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	32.7% Weak Weak Actual taxes paid relative to pre-tax income Optimal: 15-25%	31.4% Weak Weak Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—
Profit Margin (%) (%)	28.5% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+30%)	22.6% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	25.1% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+14%)	18.3% Good ↓ Good Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-17%)	30.1% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+37%)	24.7% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+12%)	28.4% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+29%)	27.8% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+26%)	21.7% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	23.0% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	22.5% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	23.5% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+7%)	24.7% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+12%)	16.2% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-26%)	13.0% Fair → Fair Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-41%)	10.9% Fair Fair Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-50%)	15.7% Good Good Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-29%)	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	1.1% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.8% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	0.8% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	0.6% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.0% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.9% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.2% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.2% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.9% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.1% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	—	1.0% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.1% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.8% Weak Weak Operating profit relative to total assets Optimal: > 10%	0.6% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—	—
Return on Common Equity (%) (%)	8.8% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-27%)	6.8% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-43%)	8.0% Caution → Caution Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-34%)	6.6% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-45%)	9.7% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-19%)	8.2% Caution → Caution Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-31%)	9.0% Caution → Caution Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-25%)	9.5% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-21%)	7.5% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-38%)	9.7% Caution → Caution Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-19%)	9.1% Caution → Caution Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-24%)	9.3% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-23%)	10.7% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-10%)	7.8% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-35%)	5.8% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-52%)	5.1% Caution Caution Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-58%)	9.4% Caution Caution Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-22%)	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Debt to Equity (x)	—	—	0.03x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-97%)	0.03x Excellent → Excellent Stable Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-97%)	0.05x Excellent ↑ Excellent Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-96%)	0.05x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-96%)	0.00x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-100%)	—	—	—	—	—	—	—	—	—	—	—
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 8 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Revenue per Share (USD)	$10.32	$9.71	$9.89	$10.71	$10.36	$10.28	$10.02	$9.97	$9.56	$9.35	$8.54	$8.07	$8.00	$8.35	$8.02	$8.58	—	—
Basic EPS, GAAP (USD)	$2.95	$2.19	$2.48	$1.96	$3.12	$2.53	$2.84	$2.77	$2.07	$2.15	$1.92	$1.89	$1.98	$1.28	$0.96	$0.85	$1.61	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Dividend per Share (USD)	$1.88	$1.88	$1.88	$1.70	$1.64	$2.00	$1.24	$1.12	$0.96	$0.88	$0.80	—	—	—	—	—	$0.50	—
Book Value per Share (USD)	$34.09	$31.59	$31.05	$29.43	$31.94	$30.81	$31.64	$29.32	$27.76	$22.07	$21.04	$20.37	$18.40	$17.48	$18.04	$18.46	—	—
Tangible Book Value per Share (USD)	$23.20	$21.06	$20.46	$18.89	$21.95	$21.04	$21.88	$19.86	$19.11	$17.29	$16.51	$15.76	$14.18	$13.21	$13.74	$18.46	—	—
Basic Weighted Avg Shares (shares)	102.57M	102.98M	103.75M	103.27M	61.65M	63.61M	63.65M	57.78M	51.43M	44.51M	45.18M	44.62M	43.57M	42.97M	42.75M	39.91M	—	—
Dividend Payout Ratio (%)	63.7% Fair ↓ Fair Declining Dividends paid as a percentage of earnings Optimal: 30-60%	85.8% Caution ↑ Caution Improving Dividends paid as a percentage of earnings Optimal: 30-60%	75.8% Caution → Caution Stable Dividends paid as a percentage of earnings Optimal: 30-60%	86.7% Caution ↑ Caution Improving Dividends paid as a percentage of earnings Optimal: 30-60%	52.6% Fair → Fair Stable Dividends paid as a percentage of earnings Optimal: 30-60%	79.1% Caution ↑ Caution Improving Dividends paid as a percentage of earnings Optimal: 30-60%	43.7% Good → Good Stable Dividends paid as a percentage of earnings Optimal: 30-60%	40.4% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	46.4% Good ↑ Good Improving Dividends paid as a percentage of earnings Optimal: 30-60%	40.9% Good Good Dividends paid as a percentage of earnings Optimal: 30-60%	41.7% Good Good Dividends paid as a percentage of earnings Optimal: 30-60%	—	—	—	—	—	31.1% Good Good Dividends paid as a percentage of earnings Optimal: 30-60%	—

🏦 How resilient is the balance sheet? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
LT Debt (USD)	—	—	$99.00M	$98.90M	$98.70M	$98.60M	$0.00	—	—	—	—	—	—	—	—	—	—	—
Total Equity (USD)	$3.45B	$3.30B	$3.23B	$3.07B	$1.99B	$1.96B	$2.01B	$1.69B	$1.43B	$982.59M	$950.49M	$908.92M	$801.58M	$751.19M	$771.02M	$736.80M	$574.43M	$539.06M

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Sales/Revenue/Turnover (USD)	$1.06B	$999.70M	$1.03B	$1.11B	$638.70M	$653.70M	$637.60M	$575.80M	$491.60M	$416.26M	$385.88M	$359.86M	$348.65M	$358.65M	$342.72M	$342.35M	$343.83M	—
Depreciation Expense (USD)	$50.80M	$57.00M	$53.80M	$55.50M	$44.40M	$45.10M	$38.70M	$27.60M	$18.43M	$19.48M	$18.31M	$16.86M	$16.25M	$17.11M	$17.37M	$20.14M	—	—
Net Income, GAAP (USD)	$302.10M	$226.00M	$257.50M	$202.20M	$192.10M	$161.20M	$181.00M	$160.20M	$106.52M	$95.64M	$86.80M	$84.40M	$86.14M	$58.22M	$44.55M	$37.36M	$53.86M	—
Operating Cash Flow (USD)	$305.60M	$355.00M	$428.00M	$534.40M	$282.30M	$268.30M	$127.30M	$219.00M	$154.68M	$118.07M	$115.40M	$121.39M	$150.22M	$135.82M	$143.10M	$109.26M	$81.83M	—

🏛️ Sector-Specific 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Net Interest Margin (approx.) (%)	3.1%	2.8%	2.9%	2.9%	2.5%	2.8%	3.4%	3.3%	2.9%	3.1%	—	2.9%	3.1%	3.2%	3.4%	—	—	—
Efficiency Ratio (%) (%)	60.5%	63.8%	64.0%	69.3%	63.5%	59.3%	60.9%	62.7%	65.9%	62.7%	64.4%	65.8%	63.7%	64.0%	63.7%	64.6%	63.3%	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 4 days ago 18 years · 69 quarters

FIRST INTERSTATE BANCSYSTEM INC

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18-Year Financial Trajectory

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