Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
First Interstate BancSystemFIBK -0.69%62 FCF Margin % is 20.54% as of Jun. 2026, which is 41% below its 10-year median of 34.82. GuruFocus rates FIBK with a GF Score™ of 62/100 and a GF Value™ of $32.89 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 1,502 Banks companies, First Interstate BancSystem ranks worse than 55.53% on this metric.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Banks - Regional subindustry, First Interstate BancSystem's FCF Margin %, along with its competitors' market caps and FCF Margin % data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
First Interstate BancSystem FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, First Interstate BancSystem's FCF Margin % distribution charts can be found below:
* The bar in red indicates where First Interstate BancSystem's FCF Margin % falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
First Interstate BancSystem (FIBK) has a FCF Margin % of 20.54% as of Jun. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on First Interstate BancSystem and its competitors. This is 41% below median its historical median of 34.82. Over the past decade, First Interstate BancSystem's FCF Margin % has ranged from 17.36 to 47.38. According to the industry distribution chart, First Interstate BancSystem ranks #834 out of 1502 companies in the Banks industry, placing it in the top 55.5%.
Is First Interstate BancSystem's FCF Margin % too high?
First Interstate BancSystem's current FCF Margin % of 20.54% is 41% below median its 10-year median of 34.82. Over the past 10 years, this metric has ranged from a low of 17.36 to a high of 47.38. The Banks industry median FCF Margin % is 27.09. First Interstate BancSystem's value of 20.54% is 24.2% below this industry median. Based on the distribution chart, First Interstate BancSystem ranks #834 out of 1502 companies in the Banks industry, which is below the industry midpoint. Overall, First Interstate BancSystem has a GF Score™ of 62/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does First Interstate BancSystem's FCF Margin % compare to NIC and FFBC?
According to the Banks industry distribution chart, First Interstate BancSystem ranks #834 out of 1502 companies for FCF Margin %. This places First Interstate BancSystem in the lower half of its industry. The industry median FCF Margin % is 27.09. First Interstate BancSystem's value of 20.54% is 24.2% below this benchmark. Historically, First Interstate BancSystem's own FCF Margin % has ranged from 17.36 to 47.38 over the past decade. While the company's 10-year median is 34.82 vs. the industry median of 27.09, First Interstate BancSystem has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 27.09, based on 1,502 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. First Interstate BancSystem's current FCF Margin % of 20.54% is 24.2% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on First Interstate BancSystem and its competitors. For the Banks industry, the median FCF Margin % is 27.09 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First Interstate BancSystem's current FCF Margin % is 20.54%, which is 41% below median its own 10-year median of 34.82. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is First Interstate BancSystem stock overvalued right now?
Based on GuruFocus' analysis, First Interstate BancSystem (FIBK) is currently considered Modestly Overvalued. The stock's GF Value™ is $32.89, compared to a current price of $38.90 — trading 18.3% above its estimated fair value. The current FCF Margin % is 20.54%, which is 41% below median its 10-year median of 34.82 and 24.2% below the Banks industry median of 27.09. First Interstate BancSystem's overall GF Score™ is 62/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For First Interstate BancSystem (FIBK), the current FCF Margin % is 20.54% as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is First Interstate BancSystem (FIBK) Overvalued in 2026?
Based on GuruFocus' analysis, First Interstate BancSystem stock appears to be overvalued.
The current stock price of $38.90 is trading 18.3% above its estimated GF Value™ of $32.89.
GuruFocus considers First Interstate BancSystem to be Modestly Overvalued.
Key valuation signals for FIBK:
FCF Margin %: 20.54% (41% below median its 10-year median of 34.82)
GF Value™: $32.89 vs. price of $38.90 (18.3% above fair value)
Industry Position: 24.2% below the Banks median (#834 of 1502)
No single metric tells the full story. See the FIBK stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
First Interstate BancSystem Inc is a financial holding company. It is the parent company of First Interstate Bank, a community bank offering a range of internet, mobile, and other banking and financial services throughout Idaho, Montana, Oregon, South Dakota, Washington, and Wyoming. It delivers a range of financial products and services to both retail and commercial customers in industries like agriculture, construction, education, energy, governmental services, healthcare, mining, professional services, retail, tourism and wholesale trade. It generates majority of income from interest charged on loans, and interest and dividends earned on investments.
62GF Score
Get the complete analysis for FIBK
FCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
FIBK has been successfully added to your 
