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First Interstate BancSystem, Inc.

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
$3.91B
PER (TTM)
12.7
14.8
配当利回り
5.0%
52週高値
$39.26
52週安値
$22.95
52週レンジ
92%
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

$0.00+0.00%
直近4四半期の推移

2025 Q3 決算ハイライト

主なハイライト

Net Income Rises Significantly Net income grew $19.4M to $193.3M for nine months ended September 30, 2025, driven by lower provision expense and higher NII.
Net Interest Margin Expansion GAAP NIM increased 31 basis points to 3.27% for nine months, primarily due to lower interest expense from reduced other borrowed funds balances.
Strong Capital Ratios Maintained Consolidated CET1 ratio stood strong at 13.90%, significantly exceeding the 6.50% minimum requirement for well-capitalized status.
Loan Portfolio Contraction Net loans held for investment decreased $2.01B (11.3%) to $15.63B year-to-date, reflecting strategic sales and paydowns.

リスク要因

Asset Quality Deterioration Non-accrual loans increased 31.3% to $181.6M by September 30, 2025, driven by commercial real estate and agricultural loan downgrades.
Deposit Base Reduction Total deposits fell $410.6M (1.8%) to $22.61B since year-end 2024, necessitating the full repayment of $1.57B in other borrowed funds.
Interest Rate Sensitivity Simulation shows a potential 0.92% drop in net income if rates rise 200 basis points, indicating continued rate risk exposure.
Strategic Transaction Risks The announced sale of Nebraska branches and planned closures introduce integration/operational risks and potential future asset write-downs.

見通し

Branch Network Streamlining Company closed AZ/KS branches, anticipating $60M pre-tax gain, and plans four additional Nebraska branch closures in early 2026.
Credit Loss Expectations Provision for credit losses was zero for Q3 2025 (reversal of $1.5M), but management continues ongoing evaluation based on economic outlook.
Shareholder Returns Focus New $150M stock repurchase program authorized through March 2027, signaling management focus on returning capital to shareholders.
Tax Law Evaluation Company is currently evaluating the impact of the recently enacted One Big Beautiful Bill Act (OBBBA) tax provisions.

同業比較

売上高 (TTM)

Banco Macro S.A.BMA
$4.82B
-33.4%
Webster Financial CorporationWBS
$4.42B
+5.8%
Associated Banc-CorpASB
$2.45B
+16.5%

粗利益率 (最新四半期)

First Interstate BancSystem, Inc.FIBK
97.7%
+36.7pp
Independent Bank Corp.INDB
74.9%
+7.0pp
First BanCorp.FBP
73.4%
+11.9pp

主要指標

銘柄コード
時価総額
PER (TTM)
ROE (TTM)
負債比率
WBS$11.62B11.510.7%5.1%
BMA$5.43B27.86.6%7.3%
ASB$4.69B9.89.8%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
75%
キャッシュフローの変動が大きい

深度リサーチ

次回決算:2026年5月5日
|
EPS:$0.60
|
売上高:-
財務レポート
財務データ
ニュース
全年度
  • Form 10-Q - Q3 2025

    会計期末: 2025年9月30日|提出日: 2025年11月6日|
    売上高: $335.70M-10.3%
    |
    EPS: $0.69+27.8%
    予想を上回る
  • Form 10-Q - Q2 2025

    会計期末: 2025年6月30日|提出日: 2025年8月6日|
    売上高: $338.60M-7.6%
    |
    EPS: $0.69+19.0%
    予想を上回る
  • Form 10-Q - Q1 2025

    会計期末: 2025年3月31日|提出日: 2025年5月7日|
    売上高: $345.30M-5.9%
    |
    EPS: $0.49-14.0%
    予想を下回る
  • Form 10-K - FY 2024

    会計期末: 2024年12月31日|提出日: 2025年2月28日|
    売上高: $1.48B+3.7%
    |
    EPS: $2.19-11.7%
    予想を上回る
  • Form 10-Q - Q3 2024

    会計期末: 2024年9月30日|提出日: 2024年11月4日|
    売上高: $374.40M+2.7%
    |
    EPS: $0.54-22.9%
    予想を下回る
  • Form 10-Q - Q2 2024

    会計期末: 2024年6月30日|提出日: 2024年8月2日|
    売上高: $366.60M+1.4%
    |
    EPS: $0.58-10.8%
    予想を上回る
  • Form 10-Q - Q1 2024

    会計期末: 2024年3月31日|提出日: 2024年5月3日|
    売上高: $366.80M+10.4%
    |
    EPS: $0.57+5.6%
    予想を上回る
  • Form 10-K - FY 2023

    会計期末: 2023年12月31日|提出日: 2024年2月29日|
    売上高: $1.43B+20.5%
    |
    EPS: $2.48+26.5%
    予想通り