What is First Interstate Bancsystem's earnings per share (EPS)?

First Interstate Bancsystem (FIBK) reported diluted earnings per share of $2.94 for fiscal year 2025. This represents a 34.2% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

First Interstate Bancsystem (FIBK) Financials

FIBK

Trailing 12 months to June 30, 2026

Revenue $1.1B -10.8% YoY

Net Income $324.3M +41.3% YoY

EPS (Diluted) $3.24 +45.9% YoY

Operating Cash Flow $271.9M -18.0% YoY

Market Cap $3.6B as of Sep 4, 2026

Price / Sales 3.2x on $1.1B revenue, trailing 12 months to June 30, 2026

Price / Earnings 11.0x on $324.3M net income, trailing 12 months to June 30, 2026

Price / Book 1.1x on $3.3B equity, Q2 FY2026

A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Sep 4, 2026; every other figure is from the SEC filings on this page. Not financial advice.

Source SEC Filings (10-K/10-Q) Latest period Q2 FY2026, ended Jun 30, 2026 Reported Aug 3, 2026 Currency USD FYE December

Newest figures come from the 10-Q for Q2 FY2026, filed Aug 3, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the FIBK SEC filings page.

First Interstate Bancsystem (FIBK) reported $1.1B in revenue over the twelve months to Jun 30, 2026, down 10.8% from the prior twelve months. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Rhea AI FIBK FY2025 2026-08-30

The dominant mechanic is a shrinking balance sheet that still produces an earnings rebound as funding costs ease.

From FY2024 to FY2025, revenue declined 9.6% while net income increased 33.7%, indicating a profitability recovery rather than growth in the bank’s earning base. Reported interest expense fell from $481M to $353M over the same span, while net margin widened materially; that pairing points to lower funding pressure as a key earnings driver.

Assets declined from $29.1B to $26.6B, signaling balance-sheet contraction rather than expansion. Equity increased from $3.3B to $3.4B, making the structure more equity-supported in simple proportional terms despite that contraction.

FY2025 operating cash flow was $306M against $302M of net income, so the two measures were broadly aligned rather than showing a large earnings-to-cash gap. Financing cash flow was -$2.2B versus $194M of dividends, indicating that funding flows beyond shareholder distributions drove most of the financing movement.

Financial Health Signals

Financial Health Score 53/100

Scored as: Banks peer group

Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →

Health score ≠ stock price. This rates the quality of First Interstate Bancsystem's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Earnings

First Interstate Bancsystem earned a return on assets of 1.1% in fiscal year 2025, which is the profit it made on every dollar of assets on its books. This is up from 0.8% the prior year. Earnings ranks banks on that return over three years, and First Interstate Bancsystem scores 58/100 among other banks.

Growth

First Interstate Bancsystem reported revenue of $1.2B in fiscal year 2025, against $1.3B in fiscal year 2024. Growth ranks banks on the three-year path of their net revenue, which is interest income and fee income less the interest they pay out, and First Interstate Bancsystem scores 8/100 among other banks.

Capital

First Interstate Bancsystem funded 12.9% of its assets with shareholders' equity at the end of fiscal year 2025, holding $3.4B of equity against $26.6B of assets. Capital ranks banks on that cushion, and First Interstate Bancsystem scores 67/100 among other banks.

Efficiency

Efficiency measures what a bank spends running itself against the revenue that spending brings in, so a lower ratio is the better one. First Interstate Bancsystem scores 59/100 on it among other banks.

Credit Quality

Credit Quality measures the money a bank set aside for loans it expects to go bad, against the size of the loan book it set that money aside for. First Interstate Bancsystem scores 60/100 on it among other banks.

Stability

First Interstate Bancsystem reported net income of $302.1M in fiscal year 2025, against $226.0M in fiscal year 2024. Stability ranks banks on how steady net income has been across five years, and First Interstate Bancsystem scores 67/100 among other banks.

Piotroski F-Score Partial

5/7

First Interstate Bancsystem passes 5 of 7 computable financial strength tests (2 of the nine could not be computed from available data). All 4 profitability signals pass (positive income, cash flow, and earnings quality), 1 of 2 leverage/liquidity signals pass, neither operating efficiency signal passes.

Earnings Quality Cash-Backed

1.01x

For every $1 of reported earnings, First Interstate Bancsystem generates $1.01 in operating cash flow ($305.6M OCF vs $302.1M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

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Earnings & Revenue

Revenue

$270.6M

YoY-9.0%

QoQ-0.3%

5Y CAGR+17.0%

10Y CAGR+14.2%

First Interstate Bancsystem generated $270.6M in revenue in Q2 2026. This represents a decrease of 9.0% from the same quarter a year earlier. Against the prior quarter it is down 0.3%.

Net Income

$83.9M

YoY+17.0%

QoQ+39.4%

5Y CAGR+14.6%

10Y CAGR+12.6%

First Interstate Bancsystem reported $83.9M in net income in Q2 2026. This represents an increase of 17.0% from the same quarter a year earlier. Against the prior quarter it is up 39.4%.

EPS (Diluted)

$0.87

YoY+26.1%

QoQ+42.6%

5Y CAGR+4.7%

10Y CAGR+4.3%

First Interstate Bancsystem earned $0.87 per diluted share (EPS) in Q2 2026. This represents an increase of 26.1% from the same quarter a year earlier. Against the prior quarter it is up 42.6%.

EBITDA

Not reported for Q2 2026.

Cash & Balance Sheet

Cash & Debt

$1.2B

YoY+7.1%

QoQ-3.4%

5Y CAGR-9.7%

10Y CAGR+9.4%

First Interstate Bancsystem held $1.2B in cash as of Q2 2026; long-term debt is not reported for that period.

Dividends Per Share

$0.47

YoY0.0%

QoQ0.0%

5Y CAGR+2.8%

First Interstate Bancsystem paid $0.47 per share in dividends in Q2 2026. That is unchanged from the same quarter a year earlier. It is unchanged from the prior quarter.

Shares Outstanding

95M

YoY-9.1%

QoQ-1.9%

First Interstate Bancsystem had 95M shares outstanding in Q2 2026. This represents a decrease of 9.1% from the same quarter a year earlier. Against the prior quarter it is down 1.9%.

Free Cash Flow

Not reported for Q2 2026.

Margins & Returns

Net Margin

31.0%

YoY+6.9pp

QoQ+8.8pp

5Y CAGR-3.5pp

10Y CAGR-4.5pp

First Interstate Bancsystem's net profit margin was 31.0% in Q2 2026, showing the share of revenue converted to profit. This is up 6.9 percentage points from the same quarter a year earlier. Against the prior quarter it is up 8.8 percentage points.

Return on Equity

2.5%

YoY+0.4pp

QoQ+0.7pp

5Y CAGR+0.4pp

10Y CAGR-0.1pp

First Interstate Bancsystem's ROE was 2.5% in Q2 2026, measuring profit generated per dollar of shareholder equity. This is up 0.4 percentage points from the same quarter a year earlier. Against the prior quarter it is up 0.7 percentage points.

Gross Margin

Not reported for Q2 2026.

Operating Margin

Not reported for Q2 2026.

Capital Allocation

Share Buybacks

$69.5M

QoQ-20.8%

10Y CAGR+57.6%

First Interstate Bancsystem spent $69.5M on share buybacks in Q2 2026, returning capital to shareholders by reducing shares outstanding. Against the prior quarter it is down 20.8%.

R&D Spending

Not reported for Q2 2026.

Capital Expenditures

Not reported for Q2 2026.

FIBK Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

FIBK quarterly income statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Revenue	$1.1B	$1.2B-9.6%	$1.3B+1.7%	$1.3B+25.3%	$1.0B+101.7%	$506.5M-3.4%	$524.4M-5.3%	$554.0M+17.0%	$473.4M+25.3%	$377.8M+27.0%	$297.4M+5.3%	$282.4M+5.7%	$267.1M+3.7%	$257.7M-5.9%	$273.9M-6.5%	$292.9M
SG&A Expenses	$274.4M	$274.6M+1.4%	$270.9M+3.0%	$263.1M-6.7%	$282.1M+71.1%	$164.9M-5.1%	$173.7M+11.8%	$155.3M+6.1%	$146.4M+19.3%	$122.7M+12.9%	$108.7M+7.1%	$101.5M+5.1%	$96.5M+2.7%	$94.0M+4.6%	$89.8M+7.5%	$83.6M
Interest Expense	$303.0M	$352.6M-26.7%	$480.9M+19.8%	$401.3M+408.6%	$78.9M+356.1%	$17.3M-35.0%	$26.6M-54.9%	$59.0M+44.3%	$40.9M+46.1%	$28.0M+59.1%	$17.6M-2.5%	$18.1M-2.9%	$18.6M-10.1%	$20.7M-31.3%	$30.1M-28.4%	$42.0M
Income Tax	$93.2M	$89.6M+30.8%	$68.5M-13.6%	$79.3M+44.4%	$54.9M-1.4%	$55.7M+15.8%	$48.1M-11.1%	$54.1M+17.4%	$46.1M-8.2%	$50.2M+1.2%	$49.6M+13.6%	$43.7M-3.4%	$45.2M-2.9%	$46.6M+55.0%	$30.0M+39.0%	$21.6M
Net Income	$324.3M	$302.1M+33.7%	$226.0M-12.2%	$257.5M+27.3%	$202.2M+5.3%	$192.1M+19.2%	$161.2M-10.9%	$181.0M+13.0%	$160.2M+50.4%	$106.5M+11.3%	$95.7M+10.3%	$86.8M+2.8%	$84.4M-2.0%	$86.1M+47.9%	$58.2M+30.7%	$44.5M
EPS (Basic)	N/A	$2.95+34.7%	$2.19-11.7%	$2.48+26.5%	$1.96-37.2%	$3.12+23.3%	$2.53-10.9%	$2.84+2.5%	$2.77+33.8%	$2.07-3.7%	$2.15+12.0%	$1.92+1.6%	$1.89-4.5%	$1.98+54.7%	$1.28+33.3%	$0.96
EPS (Diluted)	$3.24	$2.94+34.2%	$2.19-11.7%	$2.48+26.5%	$1.96	$3.11+22.9%	$2.53-10.6%	$2.83+2.9%	$2.75+34.1%	$2.05-3.8%	$2.13+12.1%	$1.90+1.6%	$1.87-4.6%	$1.96+54.3%	$1.27+32.3%	$0.96
Diluted Shares (Avg)	N/A	103M-0.3%	103M-0.6%	104M+0.4%	103M	62M-3.1%	64M-0.2%	64M+9.7%	58M+12.2%	52M+15.6%	45M-1.6%	46M+1.0%	45M+2.6%	44M+2.2%	43M+0.6%	43M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Revenue	$270.6M-9.0%	$271.3M-10.6%	$285.2M-12.5%	$292.0M-11.0%	$297.5M-8.2%	$303.3M-6.6%	$325.8M+0.5%	$328.0M+1.7%
SG&A Expenses	$64.9M-0.2%	$68.5M-0.1%	$74.8M+9.2%	$66.2M-6.6%	$65.0M-2.0%	$68.6M+5.2%	$68.5M+7.0%	$70.9M+8.4%
Interest Expense	$68.4M-24.3%	$70.6M-28.2%	$78.8M-29.3%	$85.2M-30.4%	$90.3M-26.2%	$98.3M-21.1%	$111.5M-4.3%	$122.5M+12.5%
Income Tax	$24.3M+11.5%	$17.3M+6.8%	$30.4M+108.2%	$21.2M+23.3%	$21.8M+18.5%	$16.2M-11.5%	$14.6M-24.7%	$17.2M-21.8%
Net Income	$83.9M+17.0%	$60.2M+19.9%	$108.8M+108.8%	$71.4M+28.6%	$71.7M+19.5%	$50.2M-14.0%	$52.1M-15.3%	$55.5M-23.7%
EPS (Basic)	$0.87+26.1%	$0.61+24.5%	$1.08+116.0%	$0.69+27.8%	$0.69+19.0%	$0.49-14.0%	$0.50-15.3%	$0.54-22.9%
EPS (Diluted)	$0.87+26.1%	$0.61+24.5%	$1.07+114.0%	$0.69+27.8%	$0.69+19.0%	$0.49-14.0%	$0.50-15.3%	$0.54-22.9%
Diluted Shares (Avg)	97M-6.4%	99M-4.0%	N/A	103M+0.1%	103M+0.3%	103M+0.4%	N/A	103M-0.6%

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, EBITDA.

FIBK Balance Sheet

FIBK quarterly balance sheet

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Total Assets	$26.6B-8.6%	$29.1B-5.0%	$30.7B-5.0%	$32.3B+64.1%	$19.7B+11.5%	$17.6B+20.5%	$14.6B+10.1%	$13.3B+8.9%	$12.2B+34.7%	$9.1B+3.8%	$8.7B+1.4%	$8.6B+13.8%	$7.6B-2.0%	$7.7B+5.4%	$7.3B
Cash & Equivalents	$1.3B+46.1%	$896.6M+55.1%	$578.0M-33.6%	$870.5M-62.9%	$2.3B+3.0%	$2.3B+111.4%	$1.1B+31.0%	$822.0M+8.3%	$758.9M-3.0%	$782.0M+0.2%	$780.5M-2.3%	$798.7M+49.3%	$534.8M-33.3%	$801.3M+69.6%	$472.4M
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Goodwill	$1.1B0.0%	$1.1B0.0%	$1.1B0.0%	$1.1B+77.1%	$621.6M0.0%	$621.6M0.0%	$621.6M+13.7%	$546.7M-12.0%	$621.6M+13.7%	$546.7M+167.3%	$204.5M-0.5%	$205.6M+11.9%	$183.7M0.0%	$183.7M0.0%	$183.7M
Total Liabilities	$23.2B-10.2%	$25.8B-5.9%	$27.4B-6.1%	$29.2B+65.2%	$17.7B+12.7%	$15.7B+24.2%	$12.6B+8.8%	$11.6B+7.6%	$10.8B+33.5%	$8.1B+3.9%	$7.8B+1.0%	$7.7B+13.9%	$6.8B-3.0%	$7.0B+6.3%	$6.6B
Long-Term Debt	$146.3M+10.7%	$132.2M+9.4%	$120.8M0.0%	$120.8M+7.5%	$112.4M0.0%	$112.4M+708.6%	$13.9M-12.0%	$15.8M+20.6%	$13.1M-53.2%	$28.0M+0.4%	$27.9M-26.7%	$38.1M+3.1%	$36.9M-0.7%	$37.2M-0.1%	$37.2M
Total Equity	$3.4B+4.3%	$3.3B+2.4%	$3.2B+5.0%	$3.1B+54.7%	$2.0B+1.4%	$2.0B-2.7%	$2.0B+18.9%	$1.7B+18.7%	$1.4B+45.3%	$982.6M+3.4%	$950.5M+4.6%	$908.9M+13.4%	$801.6M+6.7%	$751.2M-2.6%	$771.0M
Retained Earnings	$1.3B+9.2%	$1.2B+2.8%	$1.1B+5.8%	$1.1B+1.9%	$1.1B+9.4%	$962.1M+0.9%	$953.6M+12.0%	$851.8M+13.2%	$752.6M+8.3%	$694.6M+8.8%	$638.4M+8.6%	$587.9M+10.5%	$532.1M+14.7%	$463.9M+6.6%	$435.1M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Total Assets	$25.9B-6.1%	$26.4B-6.6%	$26.6B-8.6%	$27.3B-7.6%	$27.6B-9.0%	$28.3B-6.2%	$29.1B-5.0%	$29.6B-3.1%
Cash & Equivalents	$1.2B+7.1%	$1.2B+38.7%	$1.3B+46.1%	$1.4B+107.4%	$1.1B+13.7%	$871.4M+37.2%	$896.6M+55.1%	$698.6M+17.8%
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Goodwill	$1.1B0.0%	$1.1B0.0%	$1.1B0.0%	$1.1B0.0%	$1.1B0.0%	$1.1B0.0%	$1.1B0.0%	$1.1B0.0%
Total Liabilities	$22.6B-6.6%	$23.1B-7.4%	$23.2B-10.2%	$23.9B-8.9%	$24.1B-10.8%	$24.9B-7.5%	$25.8B-5.9%	$26.2B-4.5%
Long-Term Debt	N/A	N/A	$146.3M+10.7%	$146.2M+6.5%	$252.0M-34.3%	N/A	$132.2M+9.4%	$137.3M
Total Equity	$3.3B-2.9%	$3.4B-0.1%	$3.4B+4.3%	$3.4B+2.5%	$3.4B+6.1%	$3.4B+4.7%	$3.3B+2.4%	$3.4B+9.1%
Retained Earnings	$1.3B+11.4%	$1.3B+10.3%	$1.3B+9.2%	$1.2B+4.3%	$1.2B+3.0%	$1.2B+2.0%	$1.2B+2.8%	$1.2B+3.7%

Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities, Non-Current Liabilities.

FIBK Cash Flow Statement

FIBK quarterly cash flow statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Operating Cash Flow	$271.9M	$305.6M-13.9%	$355.0M-17.1%	$428.0M-19.9%	$534.4M+89.3%	$282.3M+5.2%	$268.3M+110.8%	$127.3M-41.9%	$219.0M+41.7%	$154.6M+31.0%	$118.0M+2.3%	$115.4M-5.4%	$122.0M-18.8%	$150.2M+10.6%	$135.8M-5.1%	$143.1M
Depreciation & Amortization	N/A	$50.8M-10.9%	$57.0M+5.9%	$53.8M-3.1%	$55.5M+25.0%	$44.4M-1.6%	$45.1M+16.5%	$38.7M+40.2%	$27.6M+50.0%	$18.4M-5.6%	$19.5M+6.5%	$18.3M+8.7%	$16.9M+3.8%	$16.2M-5.1%	$17.1M-1.5%	$17.4M
Stock-Based Compensation	N/A	$13.3M+12.7%	$11.8M+151.1%	$4.7M-51.0%	$9.6M+7.9%	$8.9M+18.7%	$7.5M-6.3%	$8.0M+42.9%	$5.6M+43.6%	$3.9M-11.4%	$4.4M+11.1%	$4.0M+8.9%	$3.6M+23.8%	$2.9M+18.1%	$2.5M+17.7%	$2.1M
Investing Cash Flow	$990.2M	$2.3B+31.4%	$1.8B+40.3%	$1.3B+232.1%	-$949.0M+55.2%	-$2.1B-13.4%	-$1.9B-11029.8%	-$16.8M+90.7%	-$181.1M-38.7%	-$130.6M+8.7%	-$143.1M-50.1%	-$95.3M+51.3%	-$195.8M+4.4%	-$204.9M-45.3%	-$141.1M-12.0%	-$125.9M
Financing Cash Flow	-$1.2B	-$2.2B-22.8%	-$1.8B+9.1%	-$2.0B-86.3%	-$1.1B-155.6%	$1.9B-32.0%	$2.8B+1841.4%	$144.3M+472.6%	$25.2M+153.5%	-$47.1M-277.1%	$26.6M+169.5%	-$38.3M-111.3%	$337.7M+259.4%	-$211.8M-163.4%	$334.1M+245.1%	-$230.3M
Dividends Paid	$188.9M	$194.3M-0.8%	$195.9M+0.4%	$195.1M+7.1%	$182.1M+79.2%	$101.6M-21.0%	$128.6M+62.4%	$79.2M+23.6%	$64.1M+31.9%	$48.6M+23.4%	$39.4M+8.6%	$36.3M+26.8%	$28.6M+59.8%	$17.9M-31.7%	$26.2M+36.3%	$19.2M
Share Buybacks	$275.9M	$121.9M+10058.3%	$1.2M-96.5%	$34.0M-82.9%	$199.0M+3585.2%	$5.4M-95.4%	$116.8M+4572.0%	$2.5M+150.0%	$1.0M-23.1%	$1.3M-95.2%	$26.9M+30.3%	$20.6M+112.0%	$9.7M+2073.9%	$448K+70.3%	$263K+6.0%	$248K

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Operating Cash Flow	$57.9M-15.0%	$55.0M-29.9%	$67.3M-29.3%	$91.7M+2.0%	$68.1M-17.3%	$78.5M-10.4%	$95.2M+37.4%	$89.9M-30.4%
Depreciation & Amortization	$12.5M+31.6%	$12.5M+19.0%	$14.4M-7.7%	$16.4M+6.5%	$9.5M-5.9%	$10.5M-34.0%	$15.6M+17.3%	$15.4M+15.8%
Stock-Based Compensation	N/A	$2.3M-41.0%	N/A	N/A	N/A	$3.9M+34.5%	N/A	N/A
Investing Cash Flow	$234.5M-74.2%	$186.3M-77.7%	-$174.3M-131.2%	$743.7M+52.8%	$908.5M+400.8%	$833.7M+56.7%	$558.8M+832.4%	$486.7M+65.1%
Financing Cash Flow	-$334.0M+55.9%	-$342.3M+63.5%	-$32.5M+92.9%	-$476.4M+43.0%	-$757.8M-1367.2%	-$937.4M-66.6%	-$456.0M-5529.6%	-$836.5M-63.6%
Dividends Paid	$46.0M-6.3%	$45.7M-4.8%	$48.1M-1.8%	$49.1M0.0%	$49.1M+0.2%	$48.0M-1.6%	$49.0M+0.6%	$49.1M-0.2%
Share Buybacks	$69.5M	$87.7M+2640.6%	$91.2M	$27.5M+27400.0%	$0	$3.2M+190.9%	$0-100.0%	$100K

Not reported in any period shown, so not listed: Capital Expenditures, Free Cash Flow.

FIBK Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

FIBK quarterly financial ratios

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Net Margin	25.7%+8.3pp	17.3%-2.8pp	20.1%+0.3pp	19.8%-18.1pp	37.9%+7.2pp	30.7%-1.9pp	32.7%-1.2pp	33.8%+5.6pp	28.2%-4.0pp	32.2%+1.4pp	30.7%-0.9pp	31.6%-1.8pp	33.4%+12.2pp	21.3%+6.0pp	15.2%
Return on Equity	8.8%+1.9pp	6.8%-1.1pp	8.0%+1.4pp	6.6%-3.1pp	9.7%+1.4pp	8.2%-0.8pp	9.0%-0.5pp	9.5%+2.0pp	7.5%-2.3pp	9.7%+0.6pp	9.1%-0.2pp	9.3%-1.5pp	10.8%+3.0pp	7.8%+2.0pp	5.8%
Return on Assets	1.1%+0.3pp	0.8%-0.1pp	0.8%+0.2pp	0.6%-0.3pp	1.0%+0.1pp	0.9%-0.3pp	1.2%0.0pp	1.2%+0.3pp	0.9%-0.2pp	1.1%+0.1pp	1.0%0.0pp	1.0%-0.2pp	1.1%+0.4pp	0.8%+0.1pp	0.6%
Debt-to-Equity	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.060.0x	0.06+0.1x	0.010.0x	0.010.0x	0.010.0x	0.030.0x	0.030.0x	0.040.0x	0.050.0x	0.050.0x	0.05
Asset Turnover	0.040.0x	0.040.0x	0.040.0x	0.030.0x	0.030.0x	0.030.0x	0.040.0x	0.040.0x	0.030.0x	0.030.0x	0.030.0x	0.030.0x	0.030.0x	0.040.0x	0.04

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Net Margin	31.0%+6.9pp	22.2%+5.6pp	38.1%+22.2pp	24.4%+7.5pp	24.1%+5.6pp	16.6%-1.4pp	16.0%-3.0pp	16.9%-5.6pp
Return on Equity	2.5%+0.4pp	1.8%+0.3pp	3.2%+1.6pp	2.1%+0.4pp	2.1%+0.2pp	1.5%-0.3pp	1.6%-0.3pp	1.7%-0.7pp
Return on Assets	0.3%+0.1pp	0.2%+0.1pp	0.4%+0.2pp	0.3%+0.1pp	0.3%+0.1pp	0.2%0.0pp	0.2%0.0pp	0.2%0.0pp
Debt-to-Equity	6.79+6.7x	6.87-0.5x	0.040.0x	0.040.0x	0.070.0x	7.41+7.3x	0.040.0x	0.04-8.9x
Asset Turnover	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio, FCF Margin.

Similar Companies

Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.

Company	Fiscal year	Revenue	Net income	Net margin	Market cap	Health score
First Interstate Bancsystem FIBK	FY2025	$1.2B	$302.1M	25.7%	$3.6B	53/100
First Bancorp P R FBP	FY2025	$1.3B	$344.9M	27.5%	$4.3B	57/100
Fulton Financial FULT	FY2025	$1.3B	$391.6M	29.8%	$4.6B	45/100
Independent Bk Corp Mass INDB	FY2025	$1.0B	$205.1M	20.1%	$3.9B	53/100
Eastern Bankshares, Inc. EBC	FY2025	$134.1M	$88.2M	65.8%	$5.0B	39/100
First Hawaiian Inc FHB	FY2025	$880.8M	$276.3M	31.4%	$3.2B	45/100

Where First Interstate Bancsystem Ranks

Frequently Asked Questions

What is First Interstate Bancsystem's annual revenue?

First Interstate Bancsystem (FIBK) reported $1.2B in total revenue for fiscal year 2025. This represents a -9.6% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is First Interstate Bancsystem's revenue growing?

First Interstate Bancsystem (FIBK) revenue declined by 9.6% year-over-year, from $1.3B to $1.2B in fiscal year 2025.

Is First Interstate Bancsystem profitable?

Yes, First Interstate Bancsystem (FIBK) reported a net income of $302.1M in fiscal year 2025, with a net profit margin of 25.7%.

How much debt does First Interstate Bancsystem have?

As of fiscal year 2025, First Interstate Bancsystem (FIBK) had $1.3B in cash and equivalents against $146.3M in long-term debt.

What is First Interstate Bancsystem's net profit margin?

First Interstate Bancsystem (FIBK) had a net profit margin of 25.7% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does First Interstate Bancsystem pay dividends?

Yes, First Interstate Bancsystem (FIBK) paid $1.88 per share in dividends during fiscal year 2025.

What is First Interstate Bancsystem's return on equity (ROE)?

First Interstate Bancsystem (FIBK) has a return on equity of 8.8% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is First Interstate Bancsystem's operating cash flow?

First Interstate Bancsystem (FIBK) generated $305.6M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are First Interstate Bancsystem's total assets?

First Interstate Bancsystem (FIBK) had $26.6B in total assets as of fiscal year 2025, including both current and long-term assets.

Does First Interstate Bancsystem buy back shares?

Yes, First Interstate Bancsystem (FIBK) spent $121.9M on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

How many shares does First Interstate Bancsystem have outstanding?

First Interstate Bancsystem (FIBK) had 101M shares outstanding as of fiscal year 2025.

What is First Interstate Bancsystem's debt-to-equity ratio?

First Interstate Bancsystem (FIBK) had a debt-to-equity ratio of 0.04 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is First Interstate Bancsystem's return on assets (ROA)?

First Interstate Bancsystem (FIBK) had a return on assets of 1.1% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is First Interstate Bancsystem's P/E ratio?

First Interstate Bancsystem (FIBK) trades at 11.0x earnings, its market capitalization divided by net income of $324.3M net income, trailing 12 months to June 30, 2026. The market capitalization is $3.6B as of Sep 4, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is First Interstate Bancsystem's price-to-sales ratio?

First Interstate Bancsystem (FIBK) trades at 3.2x sales, its market capitalization divided by revenue of $1.1B revenue, trailing 12 months to June 30, 2026. The market capitalization is $3.6B as of Sep 4, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is First Interstate Bancsystem's Piotroski F-Score?

First Interstate Bancsystem (FIBK) has a Piotroski F-Score of 5 out of 7 computable signals; 2 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are First Interstate Bancsystem's earnings high quality?

First Interstate Bancsystem (FIBK) has an earnings quality ratio of 1.01x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is First Interstate Bancsystem?

First Interstate Bancsystem (FIBK) scores 53 out of 100 on our Financial Health Score, indicating moderate standing within its banks peer group. The score is a 0-100 composite of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.