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Upturn AI SWOT - About
First Interstate BancSystem Inc (FIBK)
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Upturn Advisory Summary
02/27/2025: FIBK (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Analysis of Past Performance
Type Stock | Historic Profit 10.37% | Avg. Invested days 45 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 02/27/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 2.99B USD | Price to earnings Ratio 13.08 | 1Y Target Price 35.5 |
Price to earnings Ratio 13.08 | 1Y Target Price 35.5 | ||
Volume (30-day avg) 530042 | Beta 0.83 | 52 Weeks Range 22.68 - 36.24 | Updated Date 03/31/2025 |
52 Weeks Range 22.68 - 36.24 | Updated Date 03/31/2025 | ||
Dividends yield (FY) 6.56% | Basic EPS (TTM) 2.19 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 24.25% | Operating Margin (TTM) 33.04% |
Management Effectiveness
Return on Assets (TTM) 0.76% | Return on Equity (TTM) 6.92% |
Valuation
Trailing PE 13.08 | Forward PE 11.96 | Enterprise Value 5137721856 | Price to Sales(TTM) 3.18 |
Enterprise Value 5137721856 | Price to Sales(TTM) 3.18 | ||
Enterprise Value to Revenue 4.86 | Enterprise Value to EBITDA - | Shares Outstanding 104531000 | Shares Floating 80867514 |
Shares Outstanding 104531000 | Shares Floating 80867514 | ||
Percent Insiders 13.96 | Percent Institutions 82.42 |
Analyst Ratings
Rating 3.25 | Target Price 35.5 | Buy 1 | Strong Buy 2 |
Buy 1 | Strong Buy 2 | ||
Hold 3 | Sell 1 | Strong Sell 1 | |
Strong Sell 1 |
Upturn AI SWOT
First Interstate BancSystem Inc
Company Overview
History and Background
First Interstate BancSystem, Inc. was founded in 1968 as a holding company for First National Bank of Billings. It has grown through acquisitions and organic growth, expanding its presence across the Northwestern United States.
Core Business Areas
- Commercial Banking: Provides a range of commercial lending, deposit, and cash management services to businesses of all sizes.
- Retail Banking: Offers personal banking services, including checking and savings accounts, mortgages, and personal loans.
- Wealth Management: Provides investment management, financial planning, and trust services to individuals and families.
Leadership and Structure
The leadership team is headed by Kevin P. Riley, as President and Chief Executive Officer. The organizational structure includes various departments overseen by executive officers, reporting to the CEO and the Board of Directors.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans for businesses. Market share difficult to determine precisely, competes with regional and national banks. Competitors include U.S. Bank, Wells Fargo, and regional banks.
- market_share: 0
- Mortgages: Residential mortgage loans. Market share varies by region, competes with national mortgage lenders. Competitors include Rocket Mortgage, U.S. Bank, and local credit unions.
- market_share: 0
- Deposit Accounts: Checking, savings, and money market accounts. Highly competitive market with many options for consumers. Competitors include national and online banks.
- market_share: 0
Market Dynamics
Industry Overview
The banking industry is currently navigating a complex environment with rising interest rates, increasing regulatory scrutiny, and growing competition from fintech companies. Consolidation among smaller banks continues.
Positioning
First Interstate BancSystem is positioned as a community-focused bank in the Northwestern US, emphasizing personalized service and local expertise. Its competitive advantage lies in its strong regional presence and customer relationships.
Total Addressable Market (TAM)
The TAM for banking services in the Northwestern US is estimated to be in the tens of billions of dollars. First Interstate is positioned to capture a portion of this market through its regional focus and diverse product offerings.
Upturn SWOT Analysis
Strengths
- Strong regional presence in the Northwestern US
- Experienced management team
- Diversified product offerings
- Strong customer relationships
Weaknesses
- Limited geographic diversification
- Smaller scale compared to national banks
- Dependence on the regional economy
Opportunities
- Expansion into new markets within the Northwestern US
- Increased adoption of digital banking services
- Acquisition of smaller banks or credit unions
- Growing wealth management business
Threats
- Rising interest rates
- Increasing competition from fintech companies
- Economic downturn in the Northwestern US
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- USB
- WFC
- BOKF
Competitive Landscape
First Interstate competes with both national and regional banks. Its advantage lies in its local expertise and customer service. Disadvantages include a smaller scale and limited geographic diversification. Market share figures need updating to reflect current stats.
Major Acquisitions
Great Western Bancorp
- Year: 2022
- Acquisition Price (USD millions): 2000
- Strategic Rationale: Expanded First Interstate's presence into new markets and increased its asset base. Great Western Bank was acquired by First Interstate BancSystem, Inc. on February 1, 2022.
Growth Trajectory and Initiatives
Historical Growth: Historical growth data should be populated from actual financial reports.
Future Projections: Future projections should be populated from analyst estimates.
Recent Initiatives: First Interstate is focused on growing its digital banking platform and expanding its presence in key markets.
Summary
First Interstate BancSystem has a solid regional presence and a diversified business model. The acquisition of Great Western Bancorp increased its asset base and market reach. However, it faces competition from larger banks and fintech companies, and its performance is tied to the regional economy. Expanding digital capabilities and managing interest rate risk will be key for future growth.
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Sources and Disclaimers
Data Sources:
- Company SEC Filings
- Analyst Reports
- Industry Publications
- Company Website
Disclaimers:
The data and analysis provided are for informational purposes only and should not be considered financial advice. Market share data and financial metrics should be updated with the most recent publicly available information. Individual investment decisions should be based on personal financial circumstances and consultation with a qualified financial advisor.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About First Interstate BancSystem Inc
Exchange NASDAQ | Headquaters Billings, MT, United States | ||
IPO Launch date 2010-03-24 | President, CEO & Director Mr. James A. Reuter | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 3481 | Website https://www.fibk.com |
Full time employees 3481 | Website https://www.fibk.com | ||
First Interstate BancSystem, Inc. operates as the bank holding company for First Interstate Bank that provides a range of banking products and services in the United States. The company offers various traditional depository products, including checking, savings, and time deposits; and repurchase agreements primarily for commercial and municipal depositors. It also provides a range of trust, employee benefit, investment management, insurance, agency, and custodial services, including administration of estates and personal trusts; manages investment accounts for individuals; offers employee benefit plans and charitable foundations; and provides insurance planning. The company's loan portfolio includes real estate loans, such as commercial real estate, construction, residential, agricultural, and other real estate loans; consumer loans, including direct personal loans, credit card loans and lines of credit, and indirect loans; variable and fixed rate commercial loans for small and medium-sized manufacturing, wholesale, retail, and service businesses for working capital needs and business expansions; and agricultural loans. In addition, it offers marketing, credit review, loan servicing, credit cards issuance and servicing, mortgage loan sales and servicing, indirect consumer loan purchasing and processing, loan collection services, other operational, and specialized staff support services, as well as online and mobile banking services. The company serves individuals, businesses, municipalities, and other entities in various industries, including agriculture, construction, education, governmental services, healthcare, hospitality, housing, professional services, real estate development, retail, technology, tourism, and wholesale trade. First Interstate BancSystem, Inc. was founded in 1879 and is headquartered in Billings, Montana.
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