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First Interstate BancSystem, Inc.

NASDAQ•FIBK
CEO: Ms. Marcy D. Mutch CPA
セクター: Financial Services
業種: Banks - Regional
上場日: 2010-03-24
First Interstate BancSystem, Inc. operates as the bank holding company for First Interstate Bank that provides range of banking products and services in the United States. It offers various traditional depository products, including checking, savings, and time deposits; and repurchase agreements primarily for commercial and municipal depositors. The company also offers real estate loans comprising commercial real estate, construction, residential, agricultural, and other real estate loans; consumer loans comprising 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 provides a range of trust, employee benefit, investment management, insurance, agency, and custodial services to individuals, businesses, and nonprofit organizations. Further, the company 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 incorporated in 1971 and is headquartered in Billings, Montana.
連絡先情報
401 North 31st Street, Billings, MT, 59101, United States
406-255-5311
www.fibk.com
時価総額
$3.24B
PER (TTM)
10.7
14.2
配当利回り
5.9%
52週高値
$39.26
52週安値
$22.95
52週レンジ
56%
順位36Top 31.8%
4.5
F-Score
改良版 Piotroski 分析
10年ファンダメンタル
堅調 • 4.5 / 9 ポイント
スコアレンジ (0-9)
8-9: 価値が優れている
6-7: 基礎体質が強い
4-5: 全体的に堅調
0-3: パフォーマンスが弱い
データ期間: 2016-2025

財務ダッシュボード

Q4 2025 データ

売上高

$313.00M-16.04%
直近4四半期の推移

EPS

$1.08+111.77%
直近4四半期の推移

フリーCF

$59.00M+0.00%
直近4四半期の推移

2025 Annual 決算ハイライト

主なハイライト

Net Income Growth Strong Net income rose 33.7% to $302.1M, driven by lower credit provisions and significant gains from branch sales transactions.
NIM Expansion Noted GAAP Net Interest Margin improved 28 basis points to 3.30% year-over-year, primarily due to lower overall funding costs.
Asset Quality Improving Net charge-offs fell sharply to $39.2M from $104.5M year-over-year, reflecting substantial improvement in credit performance.
Capital Ratios Strong Total risk-based capital ratio stood at 17.06% (10.00% minimum), significantly exceeding all regulatory requirements as of year-end.

リスク要因

Economic Sensitivity High Profitability depends heavily on regional economic conditions across twelve states; downturns could reduce loan demand and asset quality.
Liquidity Management Focus Reliance on core deposits requires careful management of deposit mix and funding costs amid interest rate volatility.
Regulatory Scrutiny Continues Extensive federal and state regulation subjects the bank holding company to evolving compliance costs and potential enforcement actions.
Vendor Reliance Risks Operations depend on third-party vendors, creating exposure to supply-chain cyber-attacks and potential business disruptions.

見通し

Branch Network Optimization Executing strategic plan including divestiture of 11 Nebraska branches expected to close in Q2 2026.
Credit Culture Enhancement Ongoing initiatives focus on enhancing credit processes and risk culture to support disciplined underwriting standards on new production.
Organizational Redesign Complete Transformation to a flatter banking model is expected to be nearly complete in Q1 2026, streamlining responsibility chains.
Interest Rate Sensitivity Future NIM performance remains sensitive to the speed and magnitude of Federal Reserve rate changes and deposit repricing dynamics.

同業比較

売上高 (TTM)

BMA stock ticker logoBMA
$4.01T
-43.6%
WBS stock ticker logoWBS
$4.42B
+5.8%
ASB stock ticker logoASB
$2.45B
+16.5%

粗利益率 (最新四半期)

BMA stock ticker logoBMA
65349.8%
-18.7pp
FIBK stock ticker logoFIBK
97.7%
+36.7pp
INDB stock ticker logoINDB
74.9%
+7.0pp

主要指標

銘柄コード
時価総額
PER (TTM)
ROE (TTM)
負債比率
WBS$11.08B11.010.7%5.1%
BMA$4.24B38.84.7%6.4%
ASB$4.04B8.59.8%9.2%

長期トレンド

直近4四半期
売上高
純利益
営業キャッシュフロー
4四半期売上高CAGR
-3.2%
横ばい
4四半期純利益CAGR
29.4%
収益性の大幅な改善
キャッシュフロー安定性
100%
優れたキャッシュフローの実績

深度リサーチ

次回決算:2026年4月29日
|
EPS:$0.60
|
売上高:$243.26M
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損益計算書
バランスシート
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財務比率
変化率
損益計算書
直近12ヶ月
データなし