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First Interstate Bancsystem (FIBK) earnings and revenue breakdown

Latest: Q3 2026 · 10-Q filed Nov 2, 2026 · First Interstate Bancsystem (FIBK) Q3 2026 earnings results →

Q3 2026 Revenue down 0% year over year to $250M · 25¢ of every $1 of revenue kept as net profit · operating margin 32.8%

First Interstate Bancsystem made $250M in Q3 2026 (-0.4% Y/Y): Net interest income $206M, Noninterest income $43.3M. Operating margin 32.8%, net earnings $62.2M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Nov 2, 2026.

Revenue$250M
Year over year-0.4%
Operating margin32.8%
Net earnings$62.2M
Operating cash flow$106M

Drawing the Sankey…

Open the interactive Sankey → click any line for what the company wrote about it, compare Y/Y and Q/Q, export as PNG or PDF

What changed this quarter

Revenue was $249.5M in Q3 2026, roughly flat year over year and down 5% from the previous quarter. Net interest income was the largest line at 83% of revenue. Net interest income lost $600K year over year (roughly flat), 60% of the total change.

Operating profit was $81.9M, a 32.8% margin (down 4.1 points year over year). Total costs grew 6% against flat revenue. Net earnings were $62.2M, down 13% year over year. The effective tax rate was 24.1%.

Operating cash flow was $105.7M (up 15% year over year), 170% of net earnings. Non-cash charges added back $12.8M of depreciation and amortization and $3.2M of share-based compensation. Working capital and other items added $27.5M.

Quarterly history

QuarterFormFiledRevenueY/YOp. marginNet earningsOp. cash flow
Q3 202610-QNov 2, 2026$250M-0.4%32.8%$62.2M$106M

Charts

First Interstate Bancsystem: where the cash came from (+) and went (−), TTM to Q3 2026First Interstate Bancsystem: where the cash came from (+) and went (−), TTM to Q3 2026Other investing$373MOther financing−$344MBuybacks−$326MOperating cash flow$286MCash drawn (+) / kept (−)$197MDividends−$185M
From the cash-flow statement as filed (SEC XBRL). Cash is fungible: the bars do not say which dollar paid for what.
First Interstate Bancsystem: profit against cash, quarter by quarterFirst Interstate Bancsystem: profit against cash, quarter by quarterNet incomeOperating cash flow$52.1M$95.2MQ4 2024$50.2M$78.5MQ1 2025$71.7M$68.1MQ2 2025$71.4M$91.7MQ3 2025$109M$67.3MQ4 2025$60.2M$55.0MQ1 2026$83.9M$57.9MQ2 2026$62.2M$106MQ3 2026
Latest (Q3 2026): Net income $62.2M, Operating cash flow $106M.
First Interstate Bancsystem: diluted shares by fiscal yearFirst Interstate Bancsystem: diluted shares by fiscal year64MFY202062MFY2021103MFY2022104MFY2023103MFY2024103MFY2025
+61.4% since FY2020: more shares outstanding (issuance, stock pay).
First Interstate Bancsystem: long-term debt falling due (FY2025)First Interstate Bancsystem: long-term debt falling due (FY2025)$100K2026$200K2027$200K2028$4.1M2029$142MLater
Cash $1.3B, short-term investments —, long-term debt — at 2025-12-31.
First Interstate Bancsystem in its industry: growth against margin (133 companies, SIC 6022)First Interstate Bancsystem in its industry: growth against margin (133 companies, SIC 6022)revenue growth, year over year →↑ operating marginmedian +9%median 40%BNYSTTFITBMTBFCNCAALLYCFGNTRSWALBPOPEWBCWTFCCOLBSSBCBSHASBHWCAUBGBCIUBSIABCBHTHHOMBUCBRNSTFBPCATYCUBIFHBIBOCMBINSBCFBOHCVBFBUSEEFSCOFGLOBFBKFFINSFBSMCHBCCBFBNCGABCBYSYBTPEBOTCBKOBKSTBAFMBHRBCAACNOBAMALMCBQCRHOSBCFMNBBFSTUVSPTMPCCNEMSBIHBTEQBKCTBICPFTHFFMPBSBSIMBWMLKFNIBCPEGBNSPFIWASHCCBGCOFSCWBCHBIAACNBGSBCFSBCTRSTCIVBFCBCMCBSFBIZINBKBWBCBANMVBFBSRRCZNCCFFIRBBISTRUNTYBWFGBMRCRRBIPCBFCBMCHMGCZFSNWFLWTBAMYFWAVBHOPBKUSCBFCCOEBMTCOSOFXNCPKBKISBAPEBKBPRNBRBSHNVRMNSBFVCBCCFNSBFGJMSBBOTJNWPPFUSBAUBNJUVFFIBK (0%, 33%)
State Commercial Banks; dot size is quarterly revenue; dashed lines are the industry's medians.

Interactive views

The same charts as the app — open one to draw it.

💵Where each $1 goesinteractive

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🌏Named in Asian annual reportsinteractive

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🔄Rotation against the market and its industry (RRG)interactive

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🔍Earnings qualityinteractive

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⚖️Fair value by methodinteractive

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🔭Outlook & guidanceinteractive

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📈Investments: gains and what it boughtinteractive

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🏭Its industry’s money flow (input-output)interactive

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About First Interstate Bancsystem

We are a financial and bank holding company focused on community banking. Since our incorporation in Montana in 1971, we have grown both organically and through strategic acquisitions. As of February 20, 2026, we operated 290 banking offices, including branches and detached drive-up facilities, in communities across 12 states— Colorado, Idaho, Iowa, Minnesota, Missouri, Montana, Nebraska, North Dakota, Oregon, South Dakota, Washington, and Wyoming. Through our bank subsidiary, First Interstate Bank, we deliver a comprehensive range of banking products and services—including online and mobile banking—to individuals, businesses, government entities, and others throughout our market areas.

In its own words, from its 10-K, filed Feb 26, 2026.

First Interstate Bancsystem against its State Commercial Banks peers

The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: -0.4% against the peers' median +10%. Operating margin: 32.8% against the peers' median 34.6%.

CompanyQuarterRevenueY/YOp. margin
FIBK First Interstate BancsystemQ3 2026$250M-0.4%32.8%
BNY Bank of New York MellonQ3 2026$5.7B+12%38.5%
STT State StreetQ3 2026$4.0B+13%34.7%
FITB Fifth Third BancorpQ3 2026$3.3B+42%33.8%
MTB M&T BankQ3 2026$2.5B+0.9%39.7%
FCNCA First Citizens BancsharesQ3 2026$2.4B0%33.1%
ALLY Ally FinancialQ3 2026$2.3B+8%24.3%
CFG Citizens Financial GroupQ3 2026$2.3B+10%34.6%
NTRS Northern TrustQ3 2026$2.3B+13%34.7%

Source: First Interstate Bancsystem 10-Q on SEC EDGAR · CIK 860413 · State Commercial Banks

13F: who owns FIBK and who is buying

Largest holders of FIBK (13F)Largest holders of FIBK (13F)BlackRock$530MVanguard Group$348MState Street$241MDimensional Fund Advisors LP$223MVanguard Portfolio Management LLC$212MFirst Interstate Bank$164MHoldCo Asset Management, LP$152MWellington Management Group LLP$145MVanguard Capital Management LLC$144MFMR LLC$95.0M
Funds' net buying of FIBK by quarter (13F)Funds' net buying of FIBK by quarter (13F)−$48.3M2024-09$61.1M2024-12$71.9M2025-03$23.3M2025-06$93.7M2025-09$229M2025-12−$144M2026-03−$64.8M2026-06
Value of shares 13F filers added minus the value they sold, each quarter (quarters with most filings in).

More on FIBK

History

Every quarter: Q3 2026 results

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中文版：First Interstate Bancsystem（FIBK）财报

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