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Market Price

42.40 

-0.40 -0.9%

as of Sep 27 '22

52 Week Range:

30.60 43.40


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

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, and other operational services, as well as online and mobile banking services. It serves individuals, businesses, municipalities, and other entities in various industries, including agriculture, construction, education, energy, governmental services, healthcare, hospitality, housing, mining, professional services, real estate development, retail, technology, tourism, and wholesale trade. As of December 31, 2021, it operated 147 banking offices, including detached drive-up facilities in communities across Idaho, Montana, Oregon, South Dakota, Washington, and Wyoming. The company was incorporated in 1971 and is headquartered in Billings, Montana.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19 Dec '20 Dec '21
Equity (BVPS) 12.89
13.04
13.06
15.91
18.91
20.69
21.06
23.88
27.18
25.99
28.09
growth rate 1.2% 0.2% 21.8% 18.9% 9.4% 1.8% 13.4% 13.8% -4.4% 8.1%
Earnings BIT 135.41
150.26
163.29
growth rate 11.0% 8.7%
Avg.PE 18.79
19.38
15.86
16.17
16.17
16.17
16.17
growth rate 3.1% -18.2% 2.0% 0.0% 0.0% 0.0%
ROA 0.55
0.73
1.13
1.04
1.00
1.08
1.00
1.26
1.30
1.00
1.03
growth rate 32.7% 54.8% -8.0% -3.9% 8.0% -7.4% 26.0% 3.2% -23.1% 3.0%
ROE 5.84
7.46
11.09
9.87
9.34
9.89
8.84
10.26
9.76
8.11
9.74
growth rate 27.7% 48.7% -11.0% -5.4% 5.9% -10.6% 16.1% -4.9% -16.9% 20.1%
Leverage 10.16
10.28
9.44
9.47
9.18
9.22
8.55
7.85
7.27
9.01
9.90
growth rate 1.2% -8.2% 0.3% -3.1% 0.4% -7.3% -8.2% -7.4% 23.9% 9.9%
Balance Sheet Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19 Dec '20 Dec '21
Acct.Receivable 27.73
29.85
38.03
growth rate 7.7% 27.4%
Acct.Payable 7,064.11
7,130.95
7,419.03
9,962.40
10,718.20
11,727.80
14,284.50
16,305.00
growth rate 1.0% 4.0% 34.3% 7.6% 9.4% 21.8% 14.1%
Cur.Assets 880.12
868.27
886.39
862.40
924.70
1,256.10
2,459.70
2,452.40
growth rate -1.4% 2.1% -2.7% 7.2% 35.8% 95.8% -0.3%
Total Assets 8,609.94
8,728.20
9,063.90
12,213.30
13,300.20
14,644.20
17,648.70
19,671.90
growth rate 1.4% 3.9% 34.8% 8.9% 10.1% 20.5% 11.5%
Cash 159.60
134.08
137.42
190.80
219.50
261.20
287.50
178.70
growth rate -16.0% 2.5% 38.8% 15.0% 19.0% 10.1% -37.8%
Inventory 13.55
6.25
10.02
10.10
14.40
8.50
2.50
2.00
growth rate -53.9% 60.2% 0.8% 42.6% -41.0% -70.6% -20.0%
Cur.Liabilities 7,580.69
7,657.58
7,964.02
10,690.10
11,495.00
12,502.80
15,458.60
17,441.60
growth rate 1.0% 4.0% 34.2% 7.5% 8.8% 23.6% 12.8%
Liabilities 7,701.01
7,777.70
8,081.30
10,785.70
11,606.30
12,630.30
15,688.90
17,685.30
growth rate 1.0% 3.9% 33.5% 7.6% 8.8% 24.2% 12.7%
LT Debt 118.68
108.78
108.95
94.20
101.40
99.60
198.30
198.40
growth rate -8.3% 0.2% -13.5% 7.6% -1.8% 99.1% 0.1%
Equity 908.92
950.49
982.59
1,427.60
1,693.90
2,013.90
1,959.80
1,986.60
growth rate 4.6% 3.4% 45.3% 18.7% 18.9% -2.7% 1.4%
Common Shares 43.00
43.00
44.00
45.00
46.00
45.00
52.00
866.70
1,049.30
941.10
945.00
growth rate 0.0% 2.3% 2.3% 2.2% -2.2% 15.6% 1,566.7% 21.1% -10.3% 0.4%
Cash Flow Statement Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19 Dec '20 Dec '21
Capital Expenditures 5.97
5.97
11.90
11.00
4.90
16.60
30.20
10.30
growth rate 0.0% 99.5% -7.6% -55.5% 238.8% 81.9% -65.9%
Cash Dividends 28.63
36.29
39.40
48.60
64.10
79.20
90.02
101.60
growth rate 26.8% 8.6% 23.4% 31.9% 23.6% 13.7% 12.9%
Cash From OA 122.01
115.40
118.00
154.60
219.00
127.30
268.30
282.30
growth rate -5.4% 2.3% 31.0% 41.7% -41.9% 110.8% 5.2%
FCF per Share 2.29
2.01
2.61
1.72
2.47
2.44
1.49
3.55
1.27
2.65
4.17
growth rate -12.2% 29.9% -34.1% 43.6% -1.2% -38.9% 138.3% -64.2% 108.7% 57.4%
Sale Purchase of Stock 6.30
3.37
4.68
2.43
growth rate -46.5% 39.0% -48.1%
FCF 134.00
121.00
145.00
121.00
109.00
106.00
116.00
214.00
111.00
238.00
272.00
growth rate -9.7% 19.8% -16.6% -9.9% -2.8% 9.4% 84.5% -48.1% 114.4% 14.3%
Income Statement Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19 Dec '20 Dec '21
Sales 366.00
378.06
402.10
480.60
562.70
624.10
606.70
646.40
growth rate 3.3% 6.4% 19.5% 17.1% 10.9% -2.8% 6.5%
Op.Income 146.72
145.16
155.00
197.40
232.50
268.30
235.50
269.80
growth rate -1.1% 6.8% 27.4% 17.8% 15.4% -12.2% 14.6%
IBT 129.62
130.46
145.30
156.70
206.30
235.10
209.30
247.80
growth rate 0.7% 11.4% 7.9% 31.7% 14.0% -11.0% 18.4%
Net Income 84.40
86.80
95.70
106.50
160.20
181.00
161.20
192.10
growth rate 2.8% 10.3% 11.3% 50.4% 13.0% -10.9% 19.2%
EPS 0.96
1.27
1.96
1.87
1.90
2.13
2.05
2.75
2.83
2.53
3.11
growth rate 32.3% 54.3% -4.6% 1.6% 12.1% -3.8% 34.2% 2.9% -10.6% 22.9%
Gross Profit 366.00
378.06
402.10
480.60
562.70
624.10
606.70
646.40
growth rate 3.3% 6.4% 19.5% 17.1% 10.9% -2.8% 6.5%

Quarterly Statements

Item Name Jun '21 Sep '21 Dec '21 Mar '22 Jun '22
Earnings BIT
growth rate
Balance Sheet Jun '21 Sep '21 Dec '21 Mar '22 Jun '22
Acct.Receivable
growth rate
Acct.Payable 15,638.60
16,072.40
16,305.00
28,088.30
26,863.80
growth rate 2.8% 1.5% 72.3% -4.4%
Cur.Assets 2,086.80
2,365.30
2,452.40
4,108.90
1,405.70
growth rate 13.4% 3.7% 67.6% -65.8%
Total Assets 18,940.50
19,372.20
19,671.90
33,162.20
32,038.70
growth rate 2.3% 1.6% 68.6% -3.4%
Cash 1,948.40
2,233.50
178.70
3,811.30
1,059.30
growth rate 14.6% -92.0% 2,032.8% -72.2%
Inventory 2.00
2.30
2.00
17.50
16.80
growth rate 15.0% -13.0% 775.0% -4.0%
Cur.Liabilities 16,741.60
17,167.40
17,441.60
29,159.30
28,098.50
growth rate 2.5% 1.6% 67.2% -3.6%
Liabilities 16,969.60
17,387.40
17,685.30
29,721.10
28,766.80
growth rate 2.5% 1.7% 68.1% -3.2%
LT Debt 199.40
199.40
198.40
283.50
283.50
growth rate 0.0% -0.5% 42.9% 0.0%
Equity 1,970.90
1,984.80
1,986.60
3,441.10
3,271.90
growth rate 0.7% 0.1% 73.2% -4.9%
Common Shares 941.60
943.60
945.00
2,669.40
2,607.90
growth rate 0.2% 0.2% 182.5% -2.3%
Cash Flow Statement Jun '21 Sep '21 Dec '21 Mar '22 Jun '22
Capital Expenditures -0.20
5.20
4.80
9.50
growth rate 100.0% -7.7% 97.9%
Cash Dividends 25.50
25.40
25.40
44.70
growth rate -0.4% 0.0% 76.0%
Cash From OA 35.60
99.30
76.90
64.90
growth rate 178.9% -22.6% -15.6%
Sale Purchase of Stock
growth rate
FCF 35.40
94.10
72.10
55.40
growth rate 165.8% -23.4% -23.2%
Income Statement Jun '21 Sep '21 Dec '21 Mar '22 Jun '22
Sales 154.10
166.60
167.70
162.50
290.60
growth rate 8.1% 0.7% -3.1% 78.8%
Op.Income 59.10
71.40
75.70
24.20
130.20
growth rate 20.8% 6.0% -68.0% 438.0%
IBT 55.10
60.70
66.50
-41.30
80.30
growth rate 10.2% 9.6% -100.0% 100.0%
Net Income 42.50
47.10
51.10
-33.40
64.10
growth rate 10.8% 8.5% -100.0% 100.0%
Gross Profit 154.10
166.60
167.70
162.50
290.60
growth rate 8.1% 0.7% -3.1% 78.8%

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

C (58.55)

YOY Growth Grade:

E (33.22)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 17.81 17.56 17.20
EPS / Growth 10.1% 2.42 8.0%

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 7.8%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 7.8% 8.6% 8.6%
Future PE 15.64 17.42 17.42
Future EPS 5.13 5.53 5.53
Value Price
MOS %
19.82
-53.2%
23.80
-43.9%
23.80
-43.9%
MOS Price 9.91 11.90 11.90
IRT 10.90 10.54 10.54

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

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Risk / Reward Ratios

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