Compared to Estimates, First Interstate BancSystem (FIBK) Q3 Earnings: A Look at Key Metrics

Core Insights - First Interstate BancSystem (FIBK) reported $251.9 million in revenue for Q3 2025, showing no year-over-year change, with an EPS of $0.69 compared to $0.54 a year ago [1] - The revenue fell short of the Zacks Consensus Estimate of $254.9 million, resulting in a surprise of -1.18%, while the EPS exceeded the consensus estimate of $0.59 by +16.95% [1] Financial Performance Metrics - Efficiency Ratio stood at 61.7%, slightly better than the average estimate of 62.1% from two analysts [4] - Net charge-offs to average loans were reported at 0.1%, significantly lower than the average estimate of 0.3% [4] - Net FTE interest margin ratio was consistent at 3.4%, matching the average estimate from two analysts [4] - Net Interest Income was $206.8 million, below the average estimate of $210.13 million [4] - Total noninterest Income reached $43.7 million, slightly below the estimated $44.03 million [4] - Mortgage banking revenues were reported at $1.5 million, lower than the average estimate of $1.93 million [4] Stock Performance - Shares of First Interstate BancSystem have returned +1.2% over the past month, compared to a +3.8% change in the Zacks S&P 500 composite [3] - The stock currently holds a Zacks Rank 3 (Hold), indicating potential performance in line with the broader market in the near term [3]