WallStSmart

First Interstate BancSystem Inc (FIBK)vsICICI Bank Limited (IBN)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

ICICI Bank Limited generates 186402% more annual revenue ($1.92T vs $1.03B). FIBK leads profitability with a 29.3% profit margin vs 27.5%. IBN appears more attractively valued with a PEG of 0.53. FIBK earns a higher WallStSmart Score of 82/100 (A-).

FIBK

Exceptional Buy

82

out of 100

Grade: A-

Growth: 7.3Profit: 7.5Value: 10.0Quality: 4.5
Piotroski: 5/9

IBN

Strong Buy

69

out of 100

Grade: B-

Growth: 5.3Profit: 8.0Value: 7.3Quality: 5.0
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

FIBKUndervalued (+72.5%)

Margin of Safety

+72.5%

Fair Value

$138.06

Current Price

$33.63

$104.43 discount

UndervaluedFair: $138.06Overvalued
IBNSignificantly Overvalued (-191.4%)

Margin of Safety

-191.4%

Fair Value

$10.68

Current Price

$26.31

$15.63 premium

UndervaluedFair: $10.68Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

FIBK6 strengths · Avg: 9.8/10
P/E RatioValuation
11.3x10/10

Attractively priced relative to earnings

Price/BookValuation
1.0x10/10

Reasonable price relative to book value

Operating MarginProfitability
47.4%10/10

Strong operational efficiency at 47.4%

Revenue GrowthGrowth
34.4%10/10

Revenue surging 34.4% year-over-year

EPS GrowthGrowth
115.5%10/10

Earnings expanding 115.5% YoY

Profit MarginProfitability
29.3%9/10

Keeps 29 of every $100 in revenue as profit

IBN5 strengths · Avg: 8.8/10
Operating MarginProfitability
34.0%10/10

Strong operational efficiency at 34.0%

Market CapQuality
$95.10B9/10

Large-cap with strong market position

Profit MarginProfitability
27.5%9/10

Keeps 28 of every $100 in revenue as profit

PEG RatioValuation
0.538/10

Growing faster than its price suggests

P/E RatioValuation
16.6x8/10

Attractively priced relative to earnings

Areas to Watch

FIBK1 concerns · Avg: 4.0/10
PEG RatioValuation
1.844/10

Expensive relative to growth rate

IBN2 concerns · Avg: 3.0/10
Revenue GrowthGrowth
3.0%4/10

3.0% revenue growth

EPS GrowthGrowth
-3.7%2/10

Earnings declined 3.7%

Comparative Analysis Report

WallStSmart Research

Bull Case : FIBK

The strongest argument for FIBK centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 29.3% and operating margin at 47.4%. Revenue growth of 34.4% demonstrates continued momentum.

Bull Case : IBN

The strongest argument for IBN centers on Operating Margin, Market Cap, Profit Margin. Profitability is solid with margins at 27.5% and operating margin at 34.0%. PEG of 0.53 suggests the stock is reasonably priced for its growth.

Bear Case : FIBK

The primary concerns for FIBK are PEG Ratio.

Bear Case : IBN

The primary concerns for IBN are Revenue Growth, EPS Growth.

Key Dynamics to Monitor

FIBK profiles as a growth stock while IBN is a value play — different risk/reward profiles.

FIBK carries more volatility with a beta of 0.76 — expect wider price swings.

FIBK is growing revenue faster at 34.4% — sustainability is the question.

Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.

Bottom Line

FIBK scores higher overall (82/100 vs 69/100), backed by strong 29.3% margins and 34.4% revenue growth. Both earn "Exceptional Buy" and "Strong Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

First Interstate BancSystem Inc

FINANCIAL SERVICES · BANKS - REGIONAL · USA

First Interstate BancSystem, Inc. is the banking holding company for First Interstate Bank offering a range of banking products and services in the United States. The company is headquartered in Billings, Montana.

ICICI Bank Limited

FINANCIAL SERVICES · BANKS - REGIONAL · USA

ICICI Bank Limited offers various banking products and financial services in India and internationally. The company is headquartered in Mumbai, India.

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