Compared to Estimates, First Interstate BancSystem (FIBK) Q4 Earnings: A Look at Key Metrics

Core Insights - First Interstate BancSystem (FIBK) reported a revenue of $314.3 million for the quarter ended December 2025, marking a 20.3% increase year-over-year [1] - The earnings per share (EPS) for the quarter was $1.08, significantly higher than $0.50 in the same quarter last year [1] - The reported revenue exceeded the Zacks Consensus Estimate of $247.8 million by 26.84%, while the EPS also surpassed the consensus estimate of $0.64 by 68.75% [1] Financial Performance Metrics - The net FTE interest margin ratio was reported at 3.4%, matching the average estimate from two analysts [4] - The efficiency ratio stood at 52.2%, which is better than the average estimate of 61.9% from the same analysts [4] - Mortgage banking revenues were $1.1 million, below the average estimate of $1.64 million [4] - Net interest income on a fully-taxable equivalent basis was $207.7 million, slightly above the average estimate of $204.25 million [4] - Total noninterest income reached $106.6 million, significantly higher than the average estimate of $42.57 million [4] Stock Performance - Shares of First Interstate BancSystem have returned +4.9% over the past month, outperforming the Zacks S&P 500 composite, which changed by +0.8% [3] - The stock currently holds a Zacks Rank 3 (Hold), indicating expected performance in line with the broader market in the near term [3]