The earnings call reflected a balanced outlook with improvements in net income, margin, and credit risk management, offset by challenges in criticized loans, loan portfolio decline, and deposit attrition.

Company Guidance

During the call, First Interstate BancSystem Inc. provided guidance focused on strategic financial maneuvers and future growth expectations. The company reported a common equity Tier 1 capital ratio of 13.43% for the second quarter, indicating strong capital levels with an expectation for continued accretion through 2025. They projected a high single-digit increase in net interest income for 2026, driven by anticipated margin improvements and generally flat loan balances. The second quarter ended with a 72% loan-to-deposit ratio, minimal short-term borrowings, and no broker deposits. The net interest margin was reported at 3.32% on a fully tax-equivalent basis, with net income reaching $71.7 million, or $0.69 per diluted share, marking an increase from the first quarter. The company also emphasized its proactive credit risk management, noting stable nonperforming asset levels and a 14 basis point annualized net charge-off rate. Looking ahead, the bank anticipates net interest income margin improvements, along with strategic capital deployment that excludes merger and acquisition activity, focusing instead on organic growth and potential share buybacks.

Increase in Net Income

Net income increased to $71.7 million or $0.69 per diluted share in Q2 2025, compared to $50.2 million or $0.49 per diluted share in Q1 2025.

Strong Capital and Liquidity Position

The company reported a common equity Tier 1 capital ratio of 13.43%, with an expectation of continued accretion through 2025.

Net Interest Margin Improvement

Net interest margin increased by 12 basis points to 3.32% on a fully tax-equivalent basis, driven by repricing and payoffs of lower-yielding loans.

Expense Discipline

Noninterest expense declined by $5.5 million to $155.1 million due to lower seasonal payroll taxes and reductions in incentive-based compensation.

Proactive Credit Risk Management

Stability in nonperforming asset levels and modestly lower classified asset levels were observed, with net charge-offs at 14 basis points annualized.

First Interstate Bancsystem (FIBK) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

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FIBK Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Oct 28, 2025	2025 (Q3)	0.62 / -	0.54	―	―	―
Jul 29, 2025	2025 (Q2)	0.58 / 0.69	0.58	18.97% (+0.11)
Apr 29, 2025	2025 (Q1)	0.56 / 0.49	0.57	-14.04% (-0.08)
Jan 29, 2025	2024 (Q4)	0.44 / 0.50	0.59	-15.25% (-0.09)
Oct 24, 2024	2024 (Q3)	0.58 / 0.54	0.7	-22.86% (-0.16)
Jul 25, 2024	2024 (Q2)	0.55 / 0.58	0.65	-10.77% (-0.07)
Apr 24, 2024	2024 (Q1)	0.50 / 0.57	0.54	5.56% (+0.03)
Jan 30, 2024	2023 (Q4)	0.57 / 0.59	0.82	-28.05% (-0.23)
Oct 25, 2023	2023 (Q3)	0.62 / 0.70	0.8	-12.50% (-0.10)
Jul 26, 2023	2023 (Q2)	0.68 / 0.65	0.59	10.17% (+0.06)

The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.

Beat

Missed

FIBK Earnings-Related Price Changes

Report Date	Price 1 Day Before	Price 1 Day After	Percentage Change
Jul 29, 2025	$28.91	$28.14	-2.66%
Apr 29, 2025	$26.87	$25.32	-5.77%
Jan 29, 2025	$31.31	$31.92	+1.95%
Oct 24, 2024	$30.04	$29.04	-3.33%

Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.

FAQ

When does First Interstate Bancsystem (FIBK) report earnings?

First Interstate Bancsystem (FIBK) is schdueled to report earning on Oct 28, 2025, After Close (Confirmed).

What is First Interstate Bancsystem (FIBK) earnings time?

First Interstate Bancsystem (FIBK) earnings time is at Oct 28, 2025, After Close (Confirmed).

Where can I see when companies are reporting earnings?

You can see which companies are reporting today on our designated earnings calendar.

What companies are reporting earnings today?

You can see a list of the companies which are reporting today on TipRanks earnings calendar.

What is FIBK EPS forecast?

FIBK EPS forecast for the fiscal quarter 2025 (Q3) is 0.62.

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