First Interstate Q4 net income $108.8M ($1.08 EPS) vs $52.1M a year ago; board ups buyback to $300M

FIRST INTERSTATE BANCSYSTEM INC

2025-FY EPS reported $2.94 vs consensus $0.65 ▲ beat (+355.2%)

Net income $108.8M ($1.08 diluted EPS) vs $71.4M ($0.69) Q3 2025 and $52.1M ($0.50) Q4 2024.
Includes $62.7M gain from sale of Arizona/Kansas branches; net interest margin rose to 3.36% from 3.18% YoY.
Non-performing assets fell 25.5% to $138.3M; criticized loans declined $112.3M to $1,051.8M.
Net charge-offs jumped to $22.1M (0.56% annualized) from $2.3M in Q3; CET1 ratio improved to 14.38%.
Board authorized $150M additional share repurchase ($300M total); $117.6M repurchased through Dec 31, 2025.

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