First Interstate BancSystem Inc (FIBK) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
First Interstate BancSystem Inc stock (FIBK) is currently trading at $33.63. First Interstate BancSystem Inc PE ratio is 11.28. First Interstate BancSystem Inc PS ratio (Price-to-Sales) is 3.26. Analyst consensus price target for FIBK is $37.88. WallStSmart rates FIBK as Buy.
- FIBK PE ratio analysis and historical PE chart
- FIBK PS ratio (Price-to-Sales) history and trend
- FIBK intrinsic value — DCF, Graham Number, EPV models
- FIBK stock price prediction 2025 2026 2027 2028 2029 2030
- FIBK fair value vs current price
- FIBK insider transactions and insider buying
- Is FIBK undervalued or overvalued?
- First Interstate BancSystem Inc financial analysis — revenue, earnings, cash flow
- FIBK Piotroski F-Score and Altman Z-Score
- FIBK analyst price target and Smart Rating
First Interstate BancSystem Inc
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FIBK Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · First Interstate BancSystem Inc (FIBK)
FIBK trades at a significant discount to its Graham intrinsic value of $138.06, offering a 73% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
First Interstate BancSystem Inc (FIBK) · 10 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in operating margin, price/book, revenue growth. Concerns around return on equity. Overall metrics suggest strong investment potential with favorable risk/reward.
First Interstate BancSystem Inc (FIBK) Key Strengths (7)
Keeps $47 of every $100 in revenue after operating costs
Trading below book value, meaning the market prices it less than net assets
Revenue surging 34.40% year-over-year
Earnings per share surging 115.50% year-over-year
Keeps $29 of every $100 in revenue as net profit
99.20% of shares held by major funds and institutions
Mid-cap company balancing growth potential with stability
Supporting Valuation Data
First Interstate BancSystem Inc (FIBK) Areas to Watch (3)
Low profitability relative to shareholder equity
Growth is fairly priced, not cheap, not expensive
Revenue is fairly priced at 3.26x sales
First Interstate BancSystem Inc (FIBK) Detailed Analysis Report
Overall Assessment
This company scores 82/100 in our Smart Analysis, earning a A- grade. Out of 10 metrics analyzed, 7 register as strengths (avg 9.6/10) while 3 fall into concern territory (avg 5.0/10). All four categories (Growth, Profitability, Valuation, and Quality) show healthy scores, indicating broadly sound fundamentals.
The Bull Case
The strongest argument centers on Operating Margin, Price/Book, Revenue Growth. Valuation metrics including Price/Book (0.97) suggest the stock is attractively priced. Profitability is solid with Operating Margin at 47.40%, Profit Margin at 29.30%. Growth metrics are encouraging with Revenue Growth at 34.40%, EPS Growth at 115.50%.
The Bear Case
The primary concerns are Return on Equity, PEG Ratio, Price/Sales. Some valuation metrics including PEG Ratio (1.84), Price/Sales (3.26) suggest expensive pricing. Profitability pressure is visible in Return on Equity at 8.95%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Return on Equity improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 8.95% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 34.40% strong but requiring continuation.
Risk Considerations
Based on the metric profile, this is a moderate risk investment. The weight of evidence leans positive, with more strengths than concerns. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
The combination of Operating Margin and Price/Book makes a compelling case at current levels. The key risk is Return on Equity, but the overall fundamental picture is positive with a clear path to maintaining or improving the current A- grade.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
FIBK Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
FIBK's Price-to-Sales ratio of 3.26x trades 49% below its historical average of 6.45x (17th percentile). The current valuation is 86% below its historical high of 24.05x set in Nov 2024, and 76% above its historical low of 1.85x in May 2025. Over the past 12 months, the PS ratio has expanded from ~2.0x, reflecting growing market expectations outpacing revenue growth.
WallStSmart Analysis Synopsis
Data-driven financial summary for First Interstate BancSystem Inc (FIBK) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
First Interstate BancSystem Inc is a strong growth company balancing expansion with improving profitability. Revenue reached 1.0B with 34% growth year-over-year. Profit margins are strong at 29.3%, reflecting pricing power and operational efficiency.
Key Findings
Revenue growing at 34% YoY, reaching 1.0B. This pace significantly outperforms most BANKS - REGIONAL peers.
Profit margin of 29.3% and operating margin of 47.4% demonstrate strong pricing power and operational efficiency.
What to Watch Next
Growth sustainability: can First Interstate BancSystem Inc maintain 34%+ revenue growth, or will competition slow it down?
Dividend sustainability with a current yield of 5.7%. Watch payout ratio and free cash flow coverage.
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact First Interstate BancSystem Inc.
Bottom Line
First Interstate BancSystem Inc offers an attractive blend of growth (34% revenue expansion) and improving fundamentals. The company is transitioning from pure growth to profitable growth, a critical inflection point. Watch for sustained margin expansion as the key signal.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions(14 last 3 months)
| Insider | Type | Shares |
|---|---|---|
SCOTT, JONATHAN R 10% Owner | Sell | -1,827 |
| Insider | Type | Shares |
|---|---|---|
SCOTT, JONATHAN R 10% Owner | Sell | -3,173 |
Data sourced from SEC Form 4 filings
Last updated: 10:04:32 AM
About First Interstate BancSystem Inc(FIBK)
NASDAQ
FINANCIAL SERVICES
BANKS - REGIONAL
USA
First Interstate BancSystem, Inc. is the banking holding company for First Interstate Bank offering a range of banking products and services in the United States. The company is headquartered in Billings, Montana.