First Interstate Bancsystem Stock Z Score

FIBK Stock

USD 29.14 0.29 1.01%

Altman Z Score is one of the simplest fundamental models to determine how likely your company is to fail. The module uses available fundamental data of a given equity to approximate the Altman Z score. Altman Z Score is determined by evaluating five fundamental price points available from the company's current public disclosure documents. Check out First Interstate Piotroski F Score and First Interstate Valuation analysis.

Capital Lease Obligations is expected to rise to about 881.7 K this year, although the value of Net Invested Capital will most likely fall to about 3.7 B. At this time, First Interstate's Total Other Income Expense Net is quite stable compared to the past year. Non Recurring is expected to rise to about 32.8 M this year, although the value of Operating Income is projected to rise to (790.8 M).

First Interstate BancSystem Company Z Score Analysis

First Interstate's Z-Score is a simple linear, multi-factor model that measures the financial health and economic stability of a company. The score is used to predict the probability of a firm going into bankruptcy within next 24 months or two fiscal years from the day stated on the accounting statements used to calculate it. The model uses five fundamental business ratios that are weighted according to algorithm of Professor Edward Altman who developed it in the late 1960s at New York University..

Z Score

Sum Of

5 Factors

More About Z Score | All Equity Analysis

First Factor

1.2 * (

Working Capital

/

Total Assets )

Second Factor

1.4 * (

Retained Earnings

/

Total Assets )

Thrid Factor

3.3 * (

EBITAD

/

Total Assets )

Fouth Factor

0.6 * (

Market Value of Equity

/

Total Liabilities )

Fifth Factor

0.99 * (

Revenue

/

Total Assets )

First Z Score Driver Correlations

Understanding the fundamental principles of building solid financial models for First Interstate is extremely important. It helps to project a fair market value of First Stock properly, considering its historical fundamentals such as Z Score. Since First Interstate's main accounts across its financial reports are all linked and dependent on each other, it is essential to analyze all possible correlations between related accounts. However, instead of reviewing all of First Interstate's historical financial statements, investors can examine the correlated drivers to determine its overall health. This can be effectively done using a conventional correlation matrix of First Interstate's interrelated accounts and indicators.

	Total Assets	Total Stockholder Equity	Net Debt	Retained Earnings	Accounts Payable	Net Receivables	Good Will	Total Liab	Total Current Assets	Short Term Debt	Intangible Assets	Short Term Investments	Common Stock	Long Term Debt	Property Plant Equipment	Net Tangible Assets	Long Term Debt Total	Deferred Long Term Liab	Long Term Investments	Short Long Term Debt	Earning Assets	Current Deferred Revenue	Net Invested Capital	Capital Stock
Total Assets		0.98	0.47	0.79	0.98	0.97	0.98	1.0	0.08	0.77	0.8	0.68	0.98	0.54	0.87	0.89	0.88	0.38	0.68	0.72	0.83	-0.43	0.92	0.9
Total Stockholder Equity	0.98		0.4	0.81	0.96	0.95	0.99	0.98	0.1	0.73	0.82	0.69	0.98	0.43	0.86	0.89	0.84	0.46	0.73	0.75	0.86	-0.32	0.87	0.86
Net Debt	0.47	0.4		0.18	0.58	0.62	0.38	0.48	-0.38	0.52	0.57	-0.05	0.54	0.55	0.46	0.41	0.45	-0.24	0.21	0.13	0.12	-0.34	0.73	0.73
Retained Earnings	0.79	0.81	0.18		0.7	0.68	0.8	0.79	0.25	0.46	0.59	0.45	0.73	0.34	0.86	0.92	0.5	0.62	0.78	0.89	0.91	-0.37	0.7	0.65
Accounts Payable	0.98	0.96	0.58	0.7		0.99	0.95	0.98	0.0	0.83	0.82	0.67	0.99	0.55	0.85	0.86	0.9	0.3	0.61	0.61	0.76	-0.4	0.94	0.95
Net Receivables	0.97	0.95	0.62	0.68	0.99		0.94	0.97	-0.05	0.79	0.87	0.61	0.99	0.51	0.85	0.84	0.91	0.27	0.6	0.61	0.74	-0.34	0.95	0.95
Good Will	0.98	0.99	0.38	0.8	0.95	0.94		0.97	0.16	0.71	0.77	0.73	0.98	0.47	0.85	0.89	0.84	0.45	0.75	0.75	0.86	-0.37	0.85	0.85
Total Liab	1.0	0.98	0.48	0.79	0.98	0.97	0.97		0.07	0.78	0.79	0.68	0.98	0.55	0.87	0.89	0.88	0.37	0.68	0.72	0.82	-0.44	0.92	0.9
Total Current Assets	0.08	0.1	-0.38	0.25	0.0	-0.05	0.16	0.07		0.04	-0.33	0.48	0.04	0.19	0.07	0.12	-0.09	0.02	0.32	0.14	0.15	-0.29	-0.14	-0.09
Short Term Debt	0.77	0.73	0.52	0.46	0.83	0.79	0.71	0.78	0.04		0.59	0.59	0.78	0.52	0.62	0.62	0.73	0.06	0.32	0.28	0.46	-0.36	0.77	0.8
Intangible Assets	0.8	0.82	0.57	0.59	0.82	0.87	0.77	0.79	-0.33	0.59		0.25	0.83	0.08	0.71	0.71	0.75	0.21	0.46	0.54	0.62	0.09	0.82	0.8
Short Term Investments	0.68	0.69	-0.05	0.45	0.67	0.61	0.73	0.68	0.48	0.59	0.25		0.67	0.47	0.53	0.55	0.7	0.29	0.4	0.37	0.62	-0.41	0.47	0.53
Common Stock	0.98	0.98	0.54	0.73	0.99	0.99	0.98	0.98	0.04	0.78	0.83	0.67		0.51	0.86	0.87	0.89	0.34	0.67	0.67	0.8	-0.36	0.93	0.93
Long Term Debt	0.54	0.43	0.55	0.34	0.55	0.51	0.47	0.55	0.19	0.52	0.08	0.47	0.51		0.49	0.47	0.44	0.06	0.4	0.32	0.32	-0.96	0.59	0.59
Property Plant Equipment	0.87	0.86	0.46	0.86	0.85	0.85	0.85	0.87	0.07	0.62	0.71	0.53	0.86	0.49		0.98	0.73	0.43	0.65	0.71	0.9	-0.41	0.9	0.89
Net Tangible Assets	0.89	0.89	0.41	0.92	0.86	0.84	0.89	0.89	0.12	0.62	0.71	0.55	0.87	0.47	0.98		0.71	0.5	0.73	0.8	0.94	-0.41	0.88	0.86
Long Term Debt Total	0.88	0.84	0.45	0.5	0.9	0.91	0.84	0.88	-0.09	0.73	0.75	0.7	0.89	0.44	0.73	0.71		0.18	0.37	0.43	0.66	-0.28	0.85	0.86
Deferred Long Term Liab	0.38	0.46	-0.24	0.62	0.3	0.27	0.45	0.37	0.02	0.06	0.21	0.29	0.34	0.06	0.43	0.5	0.18		0.64	0.74	0.66	-0.17	0.23	0.18
Long Term Investments	0.68	0.73	0.21	0.78	0.61	0.6	0.75	0.68	0.32	0.32	0.46	0.4	0.67	0.4	0.65	0.73	0.37	0.64		0.9	0.73	-0.44	0.55	0.49
Short Long Term Debt	0.72	0.75	0.13	0.89	0.61	0.61	0.75	0.72	0.14	0.28	0.54	0.37	0.67	0.32	0.71	0.8	0.43	0.74	0.9		0.84	-0.39	0.59	0.51
Earning Assets	0.83	0.86	0.12	0.91	0.76	0.74	0.86	0.82	0.15	0.46	0.62	0.62	0.8	0.32	0.9	0.94	0.66	0.66	0.73	0.84		-0.32	0.72	0.69
Current Deferred Revenue	-0.43	-0.32	-0.34	-0.37	-0.4	-0.34	-0.37	-0.44	-0.29	-0.36	0.09	-0.41	-0.36	-0.96	-0.41	-0.41	-0.28	-0.17	-0.44	-0.39	-0.32		-0.43	-0.41
Net Invested Capital	0.92	0.87	0.73	0.7	0.94	0.95	0.85	0.92	-0.14	0.77	0.82	0.47	0.93	0.59	0.9	0.88	0.85	0.23	0.55	0.59	0.72	-0.43		0.99
Capital Stock	0.9	0.86	0.73	0.65	0.95	0.95	0.85	0.9	-0.09	0.8	0.8	0.53	0.93	0.59	0.89	0.86	0.86	0.18	0.49	0.51	0.69	-0.41	0.99

Click cells to compare fundamentals

To calculate a Z-Score, one would need to know a company's current working capital, its total assets and liabilities, and the amount of its latest earnings as well as earnings before interest and tax. Z-Scores can be used to compare the odds of bankruptcy of companies in a similar line of business or firms operating in the same industry. Companies with Z-Scores above 3.1 are generally considered to be stable and healthy with a low probability of bankruptcy. Scores that fall between 1.8 and 3.1 lie in a so-called 'grey area,' with scores of less than 1 indicating the highest probability of distress. Z Score is a used widely measure by financial auditors, accountants, money managers, loan processors, wealth advisers, and day traders. In the last 25 years, many financial models that utilize z-scores proved it to be successful as a predictor of corporate bankruptcy.

Competition

Predict First Interstate

According to the company's disclosures, First Interstate BancSystem has a Z Score of 0.0. This is 100.0% lower than that of the Banks sector and about the same as Financials (which currently averages 0.0) industry. The z score for all United States stocks is 100.0% higher than that of the company.

First Interstate Current Valuation Drivers

We derive many important indicators used in calculating different scores of First Interstate from analyzing First Interstate's financial statements. These drivers represent accounts that assess First Interstate's ability to generate profits relative to its revenue, operating costs, and shareholders' equity. Below are some of First Interstate's important valuation drivers and their relationship over time.

	2020	2021	2022	2023	2024	2025 (projected)
Market Cap	2.6B	2.5B	4.0B	3.2B	2.9B	3.0B
Enterprise Value	516.1M	362.0M	5.7B	5.5B	5.0B	5.2B

First Interstate ESG Sustainability

Some studies have found that companies with high sustainability scores are getting higher valuations than competitors with lower social-engagement activities. While most ESG disclosures are voluntary and do not directly affect the long term financial condition, First Interstate's sustainability indicators can be used to identify proper investment strategies using environmental, social, and governance scores that are crucial to First Interstate's managers, analysts, and investors.

Environmental

Governance

Social

First Interstate Institutional Holders

Institutional Holdings refers to the ownership stake in First Interstate that is held by large financial organizations, pension funds or endowments. Institutions may purchase large blocks of First Interstate's outstanding shares and can exert considerable influence upon its management. Institutional holders may also work to push the share price higher once they own the stock. Extensive social media coverage, TV shows, articles in high-profile magazines, and presentations at investor conferences help move the stock higher, increasing First Interstate's value.

		Shares
Geode Capital Management, Llc	2024-12-31	2 M
Massachusetts Financial Services Company	2024-12-31	2 M
Jennison Associates Llc	2024-12-31	1.5 M
Victory Capital Management Inc.	2024-12-31	1.3 M
Amvescap Plc.	2024-12-31	1.2 M
Bank Of America Corp	2024-12-31	1.1 M
Charles Schwab Investment Management Inc	2024-12-31	1.1 M
Nuveen Asset Management, Llc	2024-12-31	1.1 M
Brown Advisory Holdings Inc	2024-12-31	1 M
Vanguard Group Inc	2024-12-31	9.2 M
Blackrock Inc	2024-12-31	7.9 M

First Fundamentals

	Return On Equity	0.0692
	Return On Asset	0.0076
	Profit Margin	0.24 %
	Operating Margin	0.33 %
	Current Valuation	5.19 B
	Shares Outstanding	104.53 M
	Shares Owned By Insiders	13.92 %
	Shares Owned By Institutions	82.01 %
	Number Of Shares Shorted	2.36 M
	Price To Earning	15.31 X
	Price To Book	0.92 X
	Price To Sales	3.27 X
	Revenue	178.1 M
	Gross Profit	931.9 M
	EBITDA	336.8 M
	Net Income	226 M
	Cash And Equivalents	591.9 M
	Cash Per Share	5.67 X
	Total Debt	132.2 M
	Debt To Equity	0.12 %
	Book Value Per Share	31.59 X
	Cash Flow From Operations	355 M
	Short Ratio	4.47 X
	Earnings Per Share	2.19 X
	Price To Earnings To Growth	1.84 X
	Target Price	35.5
	Number Of Employees	3.48 K
	Beta	0.83
	Market Capitalization	3.05 B
	Total Asset	29.14 B
	Retained Earnings	1.17 B
	Annual Yield	0.07 %
	Five Year Return	3.36 %
	Net Asset	29.14 B
	Last Dividend Paid	1.88

About First Interstate Fundamental Analysis

The Macroaxis Fundamental Analysis modules help investors analyze First Interstate BancSystem's financials across various querterly and yearly statements, indicators and fundamental ratios. We help investors to determine the real value of First Interstate using virtually all public information available. We use both quantitative as well as qualitative analysis to arrive at the intrinsic value of First Interstate BancSystem based on its fundamental data. In general, a quantitative approach, as applied to this company, focuses on analyzing financial statements comparatively, whereas a qaualitative method uses data that is important to a company's growth but cannot be measured and presented in a numerical way.

Please read more on our fundamental analysis page.

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When determining whether First Interstate Ban is a good investment, qualitative aspects like company management, corporate governance, and ethical practices play a significant role. A comparison with peer companies also provides context and helps to understand if First Stock is undervalued or overvalued. This multi-faceted approach, blending both quantitative and qualitative analysis, forms a solid foundation for making an informed investment decision about First Interstate Bancsystem Stock. Highlighted below are key reports to facilitate an investment decision about First Interstate Bancsystem Stock:

How To Invest In First

Details

Is First Stock a good investment?

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What is First Interstate's Net Worth?

Details

Largest Regional Banks Companies

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Largest Banks - Regional Companies

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Check out First Interstate Piotroski F Score and First Interstate Valuation analysis.

You can also try the Global Correlations module to find global opportunities by holding instruments from different markets.

Is Regional Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of First Interstate. If investors know First will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about First Interstate listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.

Quarterly Earnings Growth

(0.15)

Dividend Share

1.88

Earnings Share

2.19

Revenue Per Share

9.049

Quarterly Revenue Growth

(0.08)

The market value of First Interstate Ban is measured differently than its book value, which is the value of First that is recorded on the company's balance sheet. Investors also form their own opinion of First Interstate's value that differs from its market value or its book value, called intrinsic value, which is First Interstate's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because First Interstate's market value can be influenced by many factors that don't directly affect First Interstate's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.

Please note, there is a significant difference between First Interstate's value and its price as these two are different measures arrived at by different means. Investors typically determine if First Interstate is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, First Interstate's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.

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First Interstate Bancsystem Stock Z Score

First Interstate BancSystem Company Z Score Analysis

Z Score

Sum Of

5 Factors

First Factor

1.2 * (

Working Capital

/

Total Assets )

Second Factor

1.4 * (

Retained Earnings

/

Total Assets )

Thrid Factor

3.3 * (

EBITAD

/

Total Assets )

Fouth Factor

0.6 * (

Market Value of Equity

/

Total Liabilities )

Fifth Factor

0.99 * (

Revenue

/

Total Assets )

First Z Score Driver Correlations

First Interstate Current Valuation Drivers

First Interstate ESG Sustainability

First Interstate Institutional Holders

First Fundamentals

About First Interstate Fundamental Analysis

Building efficient market-beating portfolios requires time, education, and a lot of computing power!

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