First Interstate BancSystem Q4 2025 Earnings Call Highlights
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Jan 29 2026
0mins
Should l Buy FIBK?
Source: seekingalpha
- Profitability Improvement: First Interstate BancSystem reported net income of $108.8 million or $1.08 per diluted share in Q4 2025, significantly up from $71.4 million and $0.69 in Q3, reflecting ongoing enhancements in core profitability.
- Capital Repurchase Plan: The company announced an incremental $300 million share repurchase authorization, executing approximately $118 million in buybacks by year-end, demonstrating management's confidence in future growth and commitment to shareholder returns.
- Credit Quality Enhancement: Criticized loans decreased by $112.3 million or 9.6% in Q4, while non-performing assets fell by $47.3 million or 26%, indicating positive progress in credit management and bolstering market confidence.
- Organizational Restructuring: The company is undergoing a flattening of its organizational structure to improve operational efficiency, with new state presidents primarily sourced from within, emphasizing the importance of talent and readiness for future market competition.
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Analyst Views on FIBK
Wall Street analysts forecast FIBK stock price to fall over the next 12 months. According to Wall Street analysts, the average 1-year price target for FIBK is 37.00 USD with a low forecast of 30.00 USD and a high forecast of 41.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.
6 Analyst Rating
3 Buy
2 Hold
1 Sell
Moderate Buy
Current: 38.000
Low
30.00
Averages
37.00
High
41.00
Current: 38.000
Low
30.00
Averages
37.00
High
41.00
About FIBK
First Interstate BancSystem, Inc. is a financial and bank holding company focused on community banking. Through its bank subsidiary, First Interstate Bank, the Company delivers a comprehensive range of banking products and services, including online and mobile banking, to individuals, businesses, government entities, and others throughout its market areas. It operates through the Community Banking segment, which encompasses commercial, governmental, and consumer banking services provided through its Bank: primarily the acceptance of deposits, the extension of credit, mortgage loan origination and servicing, and wealth management, which includes trust, employee benefit, investment management, insurance, agency, and custodial services to individuals, businesses, and nonprofit organizations. It provides loans to a wide variety of industries, including agriculture, healthcare, professional services, technology, construction, hospitality, real estate development, tourism, and others.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
First Interstate BancSystem Q4 2025 Earnings Call Highlights
- Profitability Improvement: First Interstate BancSystem reported net income of $108.8 million or $1.08 per diluted share in Q4 2025, significantly up from $71.4 million and $0.69 in Q3, reflecting ongoing enhancements in core profitability.
- Capital Repurchase Plan: The company announced an incremental $300 million share repurchase authorization, executing approximately $118 million in buybacks by year-end, demonstrating management's confidence in future growth and commitment to shareholder returns.
- Credit Quality Enhancement: Criticized loans decreased by $112.3 million or 9.6% in Q4, while non-performing assets fell by $47.3 million or 26%, indicating positive progress in credit management and bolstering market confidence.
- Organizational Restructuring: The company is undergoing a flattening of its organizational structure to improve operational efficiency, with new state presidents primarily sourced from within, emphasizing the importance of talent and readiness for future market competition.
See More
First Interstate Banc Declares Quarterly Dividend of $0.47
- Quarterly Dividend Announcement: First Interstate Banc (FIBK) declares a quarterly dividend of $0.47 per share, consistent with previous payouts, indicating stable cash flow and profitability, which is likely to attract more long-term investors.
- Dividend Yield: The forward yield of 5.13% not only provides shareholders with a substantial return but also reflects the company's robust financial health in the current economic environment, enhancing market confidence in its future performance.
- Shareholder Record Dates: The dividend will be payable on February 20, with a record date of February 10 and an ex-dividend date also on February 10, ensuring shareholders receive their earnings promptly, thereby reinforcing shareholder trust.
- Market Position Enhancement: First Interstate Banc will join Sandisk in the S&P 500 index, while UPWK, FIBK, and HBI will be part of the S&P SmallCap 600, marking an increase in the company's recognition in the market and helping to attract more investor attention.
See More
First Interstate BancSystem to Report Q4 Results on January 28, 2026
- Earnings Report Schedule: First Interstate BancSystem will release its fourth-quarter results after market close on January 28, 2026, which is expected to provide critical financial data reflecting the company's overall performance in 2025.
- Investor Conference Call: The company has scheduled an investor conference call for January 29, 2026, at 9:30 a.m. Eastern, during which quarterly and year-end results will be discussed, including a Q&A session to enhance interaction with investors.
- Diverse Participation Options: Investors can join the call by dialing 800-549-8228 or visiting the company’s website at www.FIBK.com, ensuring transparency and ease of access to the latest updates for all stakeholders.
- Company Background Information: As a community bank, First Interstate BancSystem reported total assets of $27.3 billion as of September 30, 2025, and is committed to providing quality financial services across multiple states, showcasing strong market competitiveness.
See More
HoldCo Acquires 2.29 Million Shares of Comerica, Valued at $156.94 Million
- Significant Stake Increase: HoldCo Asset Management acquired 2.29 million shares of Comerica in Q3, valued at $156.94 million, making it the fund's largest holding at 16.56% of reported AUM.
- Strong Market Performance: Comerica's stock surged 41% over the past year, significantly outperforming the S&P 500's 16% increase during the same period, indicating robust performance and market confidence in the regional banking sector.
- Financial Stability: Comerica reported a net income of $176 million in the latest quarter, with earnings per share at $1.35, showing resilience despite a slight year-over-year decline, supported by stable net interest income and a growing deposit base.
- Clear Strategic Positioning: HoldCo's increased stake reflects confidence in Comerica and underscores its investment strategy in the regional banking sector, further solidifying its market position in this competitive landscape.
See More
Should You Buy or Sell First Interstate Stock After a Board Member Sells Nearly $1 Million in Shares?
Insider Share Sale: John M. Heyneman Jr., a board member of First Interstate BancSystem, sold 30,432 shares worth nearly $1 million on November 21, 2025, representing an 85% reduction in his direct holdings, although he still retains over one million shares indirectly.
Company Performance: First Interstate BancSystem reported a net income of $71.4 million in Q3 2025, an increase from $55.5 million in the same quarter of 2024, with earnings per diluted share rising to $0.69.
Stock Outlook: Despite the significant reduction in direct holdings, Mr. Heyneman's continued indirect ownership suggests a positive outlook for the stock, which is near its 52-week high of $35.81.
Investment Advice: Current market conditions indicate it may not be the best time to buy First Interstate shares, as the stock is close to its peak, and investors might consider waiting for a price drop before purchasing.
See More
Sandisk Replaces Interpublic in S&P 500 Index
- Index Changes: Sandisk Corp. will replace Interpublic Group in the S&P 500 on November 28, 2025, highlighting its growing significance and likely attracting increased investor attention.
- Acquisition Activity: Omnicom Group is acquiring Interpublic Group, with the deal expected to close soon, which may influence market perceptions and investment strategies in the advertising sector.
- Small Cap Adjustments: PTC Therapeutics will replace Sandisk in the S&P SmallCap 600, reflecting ongoing investor interest in the biotechnology sector and favoring emerging companies.
- Industry Restructuring: Upwork will replace Premier in the S&P SmallCap 600, indicating market recognition of flexible employment platforms and potentially driving further growth in related industries.
See More
First Interstate BancSystem Q4 2025 Earnings Call Highlights
- Profitability Improvement: First Interstate BancSystem reported net income of $108.8 million or $1.08 per diluted share in Q4 2025, significantly up from $71.4 million and $0.69 in Q3, reflecting ongoing enhancements in core profitability.
- Capital Repurchase Plan: The company announced an incremental $300 million share repurchase authorization, executing approximately $118 million in buybacks by year-end, demonstrating management's confidence in future growth and commitment to shareholder returns.
- Credit Quality Enhancement: Criticized loans decreased by $112.3 million or 9.6% in Q4, while non-performing assets fell by $47.3 million or 26%, indicating positive progress in credit management and bolstering market confidence.
- Organizational Restructuring: The company is undergoing a flattening of its organizational structure to improve operational efficiency, with new state presidents primarily sourced from within, emphasizing the importance of talent and readiness for future market competition.
See More
First Interstate Banc Declares Quarterly Dividend of $0.47
- Quarterly Dividend Announcement: First Interstate Banc (FIBK) declares a quarterly dividend of $0.47 per share, consistent with previous payouts, indicating stable cash flow and profitability, which is likely to attract more long-term investors.
- Dividend Yield: The forward yield of 5.13% not only provides shareholders with a substantial return but also reflects the company's robust financial health in the current economic environment, enhancing market confidence in its future performance.
- Shareholder Record Dates: The dividend will be payable on February 20, with a record date of February 10 and an ex-dividend date also on February 10, ensuring shareholders receive their earnings promptly, thereby reinforcing shareholder trust.
- Market Position Enhancement: First Interstate Banc will join Sandisk in the S&P 500 index, while UPWK, FIBK, and HBI will be part of the S&P SmallCap 600, marking an increase in the company's recognition in the market and helping to attract more investor attention.
See More
First Interstate BancSystem to Report Q4 Results on January 28, 2026
- Earnings Report Schedule: First Interstate BancSystem will release its fourth-quarter results after market close on January 28, 2026, which is expected to provide critical financial data reflecting the company's overall performance in 2025.
- Investor Conference Call: The company has scheduled an investor conference call for January 29, 2026, at 9:30 a.m. Eastern, during which quarterly and year-end results will be discussed, including a Q&A session to enhance interaction with investors.
- Diverse Participation Options: Investors can join the call by dialing 800-549-8228 or visiting the company’s website at www.FIBK.com, ensuring transparency and ease of access to the latest updates for all stakeholders.
- Company Background Information: As a community bank, First Interstate BancSystem reported total assets of $27.3 billion as of September 30, 2025, and is committed to providing quality financial services across multiple states, showcasing strong market competitiveness.
See More
HoldCo Acquires 2.29 Million Shares of Comerica, Valued at $156.94 Million
- Significant Stake Increase: HoldCo Asset Management acquired 2.29 million shares of Comerica in Q3, valued at $156.94 million, making it the fund's largest holding at 16.56% of reported AUM.
- Strong Market Performance: Comerica's stock surged 41% over the past year, significantly outperforming the S&P 500's 16% increase during the same period, indicating robust performance and market confidence in the regional banking sector.
- Financial Stability: Comerica reported a net income of $176 million in the latest quarter, with earnings per share at $1.35, showing resilience despite a slight year-over-year decline, supported by stable net interest income and a growing deposit base.
- Clear Strategic Positioning: HoldCo's increased stake reflects confidence in Comerica and underscores its investment strategy in the regional banking sector, further solidifying its market position in this competitive landscape.
See More
Should You Buy or Sell First Interstate Stock After a Board Member Sells Nearly $1 Million in Shares?
Insider Share Sale: John M. Heyneman Jr., a board member of First Interstate BancSystem, sold 30,432 shares worth nearly $1 million on November 21, 2025, representing an 85% reduction in his direct holdings, although he still retains over one million shares indirectly.
Company Performance: First Interstate BancSystem reported a net income of $71.4 million in Q3 2025, an increase from $55.5 million in the same quarter of 2024, with earnings per diluted share rising to $0.69.
Stock Outlook: Despite the significant reduction in direct holdings, Mr. Heyneman's continued indirect ownership suggests a positive outlook for the stock, which is near its 52-week high of $35.81.
Investment Advice: Current market conditions indicate it may not be the best time to buy First Interstate shares, as the stock is close to its peak, and investors might consider waiting for a price drop before purchasing.
See More
Sandisk Replaces Interpublic in S&P 500 Index
- Index Changes: Sandisk Corp. will replace Interpublic Group in the S&P 500 on November 28, 2025, highlighting its growing significance and likely attracting increased investor attention.
- Acquisition Activity: Omnicom Group is acquiring Interpublic Group, with the deal expected to close soon, which may influence market perceptions and investment strategies in the advertising sector.
- Small Cap Adjustments: PTC Therapeutics will replace Sandisk in the S&P SmallCap 600, reflecting ongoing investor interest in the biotechnology sector and favoring emerging companies.
- Industry Restructuring: Upwork will replace Premier in the S&P SmallCap 600, indicating market recognition of flexible employment platforms and potentially driving further growth in related industries.
See More
