Demonstrações financeiras detalhadas de First Interstate BancSystem, Inc. (FIBK): demonstração de resultados, balanço patrimonial e fluxo de caixa. Acompanhe a evolução de margens, dívida, liquidez e rentabilidade ano a ano com até 20 anos de histórico.
Resumo da Análise
First Interstate BancSystem, Inc. registou receitas de $1.06B no último exercício, com um CAGR de 5 anos de 9.2%. O lucro líquido atingiu $302.1M, com CAGR de 5 anos de 13.4%.
Margens dos últimos 12 meses: margem bruta 105.2%, margem operacional 43.8%, margem líquida 34.0%. O fluxo de caixa livre cresceu a CAGR de 3.1% em 5 anos.
Ao preço atual de $36.92, FIBK negocia a um P/L de 11.50 e um ROE de 9.55%. A capitalização de mercado é de $3.6B.
Demonstração de Resultados (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Receita | $429.7M | $519.6M | $612.2M | $696.6M | $680.3M | $656.0M | $1.18B | $1.43B | $1.48B | $1.06B |
| Custo da Receita | $27.6M | $39.0M | $49.5M | $72.9M | $83.5M | $2.7M | $161.6M | $433.5M | $548.7M | $26.8M |
| Lucro Bruto | $402.1M | $480.6M | $562.7M | $623.7M | $596.8M | $653.3M | $1.02B | $993.6M | $931.9M | $1.03B |
| P&D | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Despesas Gerais e Administrativas | $148.4M | $165.0M | $199.9M | $210.3M | $229.0M | $227.3M | $373.6M | $369.9M | $371.3M | $424.6M |
| Despesas Operacionais | $256.8M | $323.9M | $356.4M | $388.6M | $387.5M | $405.5M | $766.0M | $656.8M | $637.4M | $639.8M |
| Lucro Operacional | $145.3M | $156.7M | $206.3M | $235.1M | $209.3M | $247.8M | $257.1M | $336.8M | $294.5M | $391.7M |
| EBITDA | $164.8M | $175.1M | $233.9M | $273.8M | $254.4M | $292.2M | $312.6M | $390.6M | $351.5M | $442.5M |
| Despesas com Juros | $17.7M | $27.9M | $40.9M | $59.0M | $26.6M | $17.3M | $78.9M | $401.3M | $480.9M | $352.6M |
| Lucro Antes de Impostos | $145.3M | $156.7M | $206.3M | $235.1M | $209.3M | $247.8M | $257.1M | $336.8M | $294.5M | $391.7M |
| Imposto | $49.6M | $50.2M | $46.1M | $54.1M | $48.1M | $55.7M | $54.9M | $79.3M | $68.5M | $89.6M |
| Lucro Líquido | $95.7M | $106.5M | $160.2M | $181.0M | $161.2M | $192.1M | $202.2M | $257.5M | $226.0M | $302.1M |
| LPA | $2.15 | $2.07 | $2.77 | $2.84 | $2.53 | $3.12 | $1.96 | $2.48 | $2.19 | $2.95 |
| LPA Diluído | $2.13 | $2.05 | $2.75 | $2.83 | $2.53 | $3.11 | $1.96 | $2.48 | $2.19 | $2.94 |
| Ações em Circulação (Diluídas) | $44.9M | $51.9M | $58.2M | $63.9M | $63.7M | $61.7M | $103.3M | $103.8M | $103.2M | $102.8M |
Demonstração de Resultados (Trimestral)
| Ano | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Receita | $335.7M | $313.0M | $242.9M | $61.7M |
| Lucro Bruto | $250.5M | $305.9M | $236.2M | $210.1M |
| Lucro Operacional | $92.6M | $139.2M | $77.5M | $108.2M |
| EBITDA | $108.9M | $153.6M | $90.0M | $120.7M |
| Lucro Líquido | $71.4M | $108.8M | $60.2M | $83.9M |
| LPA | $0.69 | $1.08 | $0.61 | $0.87 |
| LPA Diluído | $0.69 | $1.08 | $0.61 | $0.87 |
Balanço (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Caixa e Equivalentes | $781.9M | $758.8M | $821.9M | $1.08B | $2.28B | $2.34B | $870.4M | $577.9M | $896.5M | $358.2M |
| Investimentos de Curto Prazo | $1.61B | $2.21B | $2.27B | $2.96B | $4.01B | $4.82B | $6.95B | $5.84B | $63.9M | 0 |
| Contas a Receber | $29.9M | $38.0M | $44.9M | $46.7M | $51.1M | $47.4M | $118.3M | $129.1M | $116.8M | $102.6M |
| Estoque | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Ativos Circulantes | $2.42B | $3.01B | $3.14B | $4.08B | $6.34B | $7.21B | $7.93B | $6.55B | $1.08B | $460.8M |
| Imobilizado | $194.5M | $241.9M | $245.2M | $306.0M | $312.3M | $299.6M | $444.7M | $444.3M | $427.2M | $406.6M |
| Ágio | $212.8M | $444.7M | $546.7M | $621.6M | $621.6M | $621.6M | $1.10B | $1.10B | $1.10B | $1.10B |
| Ativos Intangíveis | $28.1M | $73.9M | $84.6M | $92.3M | $75.2M | $69.5M | $128.1M | $109.7M | $92.5M | $53.3M |
| Ativos Totais | $9.06B | $12.21B | $13.30B | $14.64B | $17.65B | $19.67B | $32.29B | $30.67B | $29.14B | $26.64B |
| Contas a Pagar | $50.3M | $92.2M | $101.9M | $141.7M | $150.2M | $152.1M | $460.4M | $432.6M | $425.9M | 0 |
| Dívida de Curto Prazo | $537.6M | $643.0M | $712.4M | $697.6M | $1.09B | $1.05B | $3.38B | $3.39B | $2.09B | $479.6M |
| Passivos Circulantes | $7.96B | $10.67B | $11.49B | $12.50B | $15.46B | $17.47B | $28.91B | $27.14B | $25.53B | $12.09B |
| Dívida de Longo Prazo | $110.5M | $114.2M | $101.4M | $99.6M | $198.3M | $198.4M | $282.9M | $283.0M | $294.5M | $296.1M |
| Passivos Totais | $8.08B | $10.79B | $11.61B | $12.63B | $15.69B | $17.69B | $29.21B | $27.44B | $25.83B | $23.19B |
| Reservas | $694.6M | $752.6M | $851.8M | $953.6M | $962.1M | $1.05B | $1.07B | $1.14B | $1.17B | $1.27B |
| Patrimônio Líquido | $982.6M | $1.43B | $1.69B | $2.01B | $1.96B | $1.99B | $3.07B | $3.23B | $3.30B | $3.45B |
| Dívida Total | $649.5M | $758.6M | $815.1M | $798.4M | $1.29B | $1.25B | $3.66B | $3.67B | $2.39B | $775.7M |
| Dívida Líquida | -$1.74B | -$2.21B | -$2.28B | -$3.24B | -$4.99B | -$5.91B | -$4.15B | -$2.75B | $1.43B | $417.5M |
| Capital de Giro | -$5.54B | -$7.66B | -$8.36B | -$8.42B | -$9.12B | -$10.26B | -$20.98B | -$20.59B | -$24.46B | -$11.63B |
Balanço (Trimestral)
| Ano | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Caixa e Equivalentes | $1.45B | $358.2M | $321.7M | $8.33B |
| Ativos Totais | $27.33B | $26.64B | $26.43B | $25.89B |
| Passivos Totais | $23.88B | $23.19B | $23.07B | $22.56B |
| Patrimônio Líquido | $3.45B | $3.45B | $3.36B | $3.32B |
| Dívida Total | $794.5M | $775.7M | $772.7M | $751.9M |
Fluxo de Caixa (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Lucro Líquido | $95.7M | $106.5M | $160.2M | $181.0M | $161.2M | $192.1M | $202.2M | $257.5M | $226.0M | $302.1M |
| Depreciação e Amortização | $19.5M | $18.4M | $27.6M | $38.7M | $45.1M | $44.4M | $55.5M | $53.8M | $57.0M | $50.8M |
| Compensação em Ações | $4.4M | $3.9M | $5.6M | $8.0M | $7.5M | $8.9M | $9.6M | $4.7M | $11.8M | $13.3M |
| Variação Capital de Giro | -$8.9M | -$29.0M | -$9.3M | -$43.1M | -$27.1M | -$16.4M | $140.8M | $36.3M | -$15.2M | -$34.6M |
| Fluxo de Caixa Operacional | $118.0M | $154.6M | $219.0M | $127.3M | $268.3M | $282.3M | $534.4M | $428.0M | $355.0M | $305.6M |
| CapEx | -$11.9M | -$39.0M | -$4.9M | -$16.6M | -$30.2M | -$10.3M | -$10.5M | -$28.2M | -$23.0M | -$27.8M |
| Aquisições | $19.5M | $91.8M | $28.1M | $298.4M | 0 | 0 | $2.01B | 0 | 0 | 0 |
| Recompra de Ações | -$26.9M | -$1.3M | -$1.0M | -$2.5M | -$116.8M | -$5.4M | -$199.0M | -$34.0M | -$1.2M | -$121.9M |
| Dividendos Pagos | -$39.4M | -$48.6M | -$64.1M | -$79.2M | -$128.6M | -$101.6M | -$182.1M | -$195.1M | -$195.9M | -$194.3M |
| Fluxo de Caixa Livre | $106.2M | $115.7M | $214.1M | $110.7M | $238.1M | $272.0M | $523.9M | $399.8M | $332.0M | $277.8M |
Fluxo de Caixa (Trimestral)
| Ano | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Fluxo de Caixa Operacional | $91.7M | $67.3M | $55.0M | $57.9M |
| CapEx | -$7.4M | -$8.3M | -$5.2M | -$7.7M |
| Fluxo de Caixa Livre | $84.3M | $59.0M | $49.8M | $50.2M |
| Dividendos Pagos | -$49.1M | -$48.1M | -$45.7M | -$46.0M |
| Compensação em Ações | $3.3M | $2.8M | $2.3M | $3.5M |
Crescimento e Margens (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Crescimento Receita (anual) | | +20.9% | +17.8% | +13.8% | -2.3% | -3.6% | +80.6% | +20.5% | +3.7% | -28.5% |
| Crescimento Lucro Líquido (anual) | | +11.3% | +50.4% | +13.0% | -10.9% | +19.2% | +5.3% | +27.3% | -12.2% | +33.7% |
| Crescimento LPA (anual) | | -3.7% | +33.8% | +2.5% | -10.9% | +23.3% | -37.2% | +26.5% | -11.7% | +34.7% |
| Variação de Ações (anual) | | +15.6% | +12.2% | +9.7% | -0.2% | -3.1% | +67.4% | +0.4% | -0.6% | -0.3% |
| Crescimento FCF (anual) | | +8.9% | +85.1% | -48.3% | +115.1% | +14.2% | +92.6% | -23.7% | -17.0% | -16.3% |
| Margem Bruta | 93.6% | 92.5% | 91.9% | 89.5% | 87.7% | 99.6% | 86.4% | 69.6% | 62.9% | 97.5% |
| Margem Operacional | 33.8% | 30.2% | 33.7% | 33.7% | 30.8% | 37.8% | 21.7% | 23.6% | 19.9% | 37.0% |
| Margem EBITDA | 38.4% | 33.7% | 38.2% | 39.3% | 37.4% | 44.5% | 26.4% | 27.4% | 23.7% | 41.8% |
| Margem Líquida | 22.3% | 20.5% | 26.2% | 26.0% | 23.7% | 29.3% | 17.1% | 18.0% | 15.3% | 28.5% |
| Margem FCF | 24.7% | 22.3% | 35.0% | 15.9% | 35.0% | 41.5% | 44.2% | 28.0% | 22.4% | 26.2% |
| Taxa Efetiva de Imposto | 34.2% | 32.0% | 22.3% | 23.0% | 23.0% | 22.5% | 21.4% | 23.5% | 23.3% | 22.9% |
Dados por Ação (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| FCF por Ação | $2.36 | $2.23 | $3.68 | $1.73 | $3.74 | $4.41 | $5.07 | $3.85 | $3.22 | $2.70 |
| Dividendo por Ação | $0.88 | $0.94 | $1.10 | $1.24 | $2.02 | $1.65 | $1.76 | $1.88 | $1.90 | $1.89 |
| Ações em Circulação (Básicas) | $44.5M | $51.4M | $57.8M | $63.6M | $63.7M | $61.6M | $103.3M | $103.8M | $103.0M | $102.6M |
O que olhar em empresas de Financial Services
- Efficiency Ratio (≤55%) — Despesas operacionais / receita. Bancos top abaixo de 55%.
- ROA (≥1%) — Quanto ganham por cada euro de ativos. ROE engana em bancos pela alavancagem.
- ROTCE (≥12%) — Rentabilidade sobre Capital Tangível. Exclui goodwill e intangíveis.
- Capital / Ativos (proxy Tier 1) (≥8%) — Proxy do rácio de capital. FMP não expõe Tier 1 regulatório direto.
- P/B (1,0-1,5x) — Métrica clássica bancária. <1x pode ser oportunidade ou distress.
- Dividend yield sustentável (≥2%, <8%) — Bancos UE pagam 5-7% sem stress. >8% é sinal de distress.
Rentabilidade
| Retorno sobre patrimônio | 9.55% |
| Retorno sobre capital investido | -2.81% |
| Retorno sobre ativos | 1.25% |
| Margem bruta | 105.18% |
| Margem operacional | 43.80% |
| Margem líquida | 34.02% |
Saúde financeira
| Dívida / Patrimônio | 0.23 |
| Liquidez corrente | 0.38 |
| Piotroski F-Score | 4 |
| Altman Z-Score | -0.28 |
Índices Chave (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| P/L | 19.79 | 19.35 | 13.20 | 14.76 | 16.11 | 13.04 | 19.72 | 12.40 | 14.83 | 11.73 |
| P/VP | 1.93 | 1.44 | 1.25 | 1.32 | 1.33 | 1.26 | 1.30 | 0.99 | 1.01 | 1.03 |
| P/V | 4.41 | 3.96 | 3.45 | 3.83 | 3.82 | 3.82 | 3.37 | 2.24 | 2.26 | 3.35 |
| Margem Bruta | 93.6% | 92.5% | 91.9% | 89.5% | 87.7% | 99.6% | 86.4% | 69.6% | 62.9% | 97.5% |
| Margem Operacional | 33.8% | 30.2% | 33.7% | 33.7% | 30.8% | 37.8% | 21.7% | 23.6% | 19.9% | 37.0% |
| Margem Líquida | 22.3% | 20.5% | 26.2% | 26.0% | 23.7% | 29.3% | 17.1% | 18.0% | 15.3% | 28.5% |