한 눈에 보는 포지셔닝
- 밸류에이션 매력
- 모멘텀 강함
$2,186.65
▲ +$30.42+1.41%
거래량
68.2K
애프터마켓 마감$2,186.65$0.00(0.00%)· 08:34 KST 기준
Financial Services 섹터
TP $2350 → $2323(▼1%)
TP $2346 → $2376(▲1%)
Neutral → Market Perform
FY2026 Q2·
Operator : 안녕하십니까, 여러분. 오늘 저희 First Interstate BancSystem Inc. 2026년 2분기 실적 발표 컨퍼런스 콜에 참여해 주셔서 감사합니다. 이제 Nancy Vermeulen…
트랜스크립트 보기 →FY2026 Q1·
운영자: 신사 숙녀 여러분, 기다려 주셔서 감사합니다. 2026년 1분기 First Citizens BancShares 실적 발표 컨퍼런스 콜에 오신 것을 환영합니다. [운영자 안내] 다시 한번 말씀드리지만, 오늘 …
트랜스크립트 보기 →2026 Q2
재무 한 눈에· FY 기준 · YoY 비교
$14.50B
-3.0% YoY
vs 전년 $14.94B
20.5%
-3.5p YoY
9.9%
14.3%
+4.6p YoY
FCF $2.07B
161.9%
낮을수록 좋음
12.9x
손익·재무상태·현금흐름을 연/분기 토글로 5년 추이까지
| 항목 | FY16 | FY17 | FY18 | FY19 | FY20 | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|---|---|---|---|---|
| 매출 (Revenue) | $1.34B | $1.45B | $1.59B | $1.79B | $1.92B | $1.90B | $5.10B | $12.64B | $14.94B | $14.50B |
| 매출원가 | $76.02M | $69.49M | $65.33M | $124.08M | $154.00M | $24.00M | $1.11B | $5.05B | $5.64B | $5.59B |
| 매출총이익 (Gross Profit) | $1.26B | $1.38B | $1.52B | $1.67B | $1.76B | $1.88B | $3.98B | $7.58B | $9.30B | $8.91B |
| 매출총이익률 | 94.3% | 95.2% | 95.9% | 93.1% | 92.0% | 98.7% | 78.2% | 60.0% | 62.2% | 61.4% |
| 영업이익 (Operating Income) | $351.07M | $543.70M | $503.61M | $592.05M | $618.00M | $701.00M | $1.36B | $12.08B | $3.59B | $2.97B |
| 영업이익률 | 26.2% | 37.4% | 31.7% | 33.1% | 32.3% | 36.9% | 26.7% | 95.6% | 24.0% | 20.5% |
| 당기순이익 (Net Income) | $225.48M | $323.75M | $400.31M | $457.37M | $492.00M | $547.00M | $1.10B | $11.47B | $2.78B | $2.21B |
| 순이익률 | 16.8% | 22.3% | 25.2% | 25.5% | 25.7% | 28.8% | 21.5% | 90.7% | 18.6% | 15.2% |
| EPS (희석) | $18.77 | $26.96 | $33.53 | $41.05 | $47.50 | $53.88 | $67.40 | $784.55 | $189.41 | $165.76 |
| EBITDA | $461.65M | $657.34M | $624.04M | $719.74M | $751.00M | $844.00M | $1.90B | $12.02B | $3.72B | $3.40B |
| 잉여현금흐름 (FCF) | $148.66M | $270.46M | $313.32M | $457.17M | $243.00M | -$391.00M | $1.86B | $485.00M | $678.00M | $720.00M |
5년 평균 GPM
72.1%
5년 평균 OPM
40.7%
5년 평균 NPM
35.0%
5년 평균 ROE
19.9%
5년 평균 ROIC
7.6%
최근 8분기 EPS 평균 서프라이즈 +12.6%
| 항목 | FY16 | FY17 | FY18 | FY19 | FY20 | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|---|---|---|---|---|
| 현금 · 단기투자 | $9.42B | $8.90B | $5.68B | $8.54B | $11.72B | $18.66B | $14.54B | $54.45B | $56.09B | $20.83B |
| 유동자산 합계 | $9.50B | $9.00B | $5.79B | $8.67B | $11.98B | $19.90B | $17.41B | $57.66B | $59.58B | $168.00B |
| 자산 총계 | $32.99B | $34.53B | $35.41B | $39.82B | $49.96B | $58.31B | $109.30B | $213.76B | $223.72B | $229.70B |
| 부채 총계 | $29.98B | $31.19B | $31.92B | $36.24B | $45.73B | $53.57B | $99.64B | $192.50B | $201.49B | $207.46B |
| 자본 총계 | $3.01B | $3.33B | $3.49B | $3.59B | $4.23B | $4.74B | $9.66B | $21.25B | $22.23B | $22.24B |
부채비율 (D/E)
932.9%
유동비율
103%
순현금
-$14.95B
자본 5년 CAGR
+47.2%
| 항목 | FY16 | FY17 | FY18 | FY19 | FY20 | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|---|---|---|---|---|
| 영업활동 현금흐름 | $230.51M | $355.26M | $453.77M | $578.25M | $376.00M | -$284.00M | $2.79B | $2.66B | $2.99B | $2.92B |
| 당기순이익 | $225.48M | $323.75M | $400.31M | $457.37M | $492.00M | $547.00M | $1.10B | $11.47B | $2.78B | $2.21B |
| 감가상각비 | $110.58M | $113.65M | $120.43M | $127.69M | $133.00M | $143.00M | $533.00M | -$57.00M | $130.00M | $405.00M |
| 주식보상비용 (SBC) | $0 | $0 | $0 | $0 | $0 | $0 | $19.00M | $5.00M | $0 | $0 |
| 운전자본 변동 | -$78.06M | -$72.90M | $16.36M | -$49.57M | -$150.00M | -$728.00M | $744.00M | -$173.00M | -$529.00M | -$112.00M |
| 기타 영업 조정 | -$60.64M | -$135.08M | -$69.95M | -$11.84M | -$73.00M | -$238.00M | $191.00M | -$8.42B | $604.00M | $535.00M |
| 투자활동 현금흐름 | -$1.10B | -$668.67M | $101.14M | -$1.60B | -$9.91B | -$7.57B | $75.00M | $2.43B | -$10.15B | -$5.61B |
| CapEx (자본적 지출) | -$81.84M | -$84.80M | -$140.44M | -$121.08M | -$133.00M | -$107.00M | -$926.00M | -$1.43B | -$1.53B | -$852.00M |
| 재무활동 현금흐름 | $875.54M | $109.82M | -$563.62M | $1.07B | $9.52B | $7.83B | -$2.69B | -$4.70B | $7.07B | $2.67B |
| 자사주 매입 | $0 | $0 | -$163.09M | -$453.12M | -$334.00M | $0 | -$1.24B | $0 | -$1.65B | -$3.03B |
| 배당금 지급 | -$14.41M | -$14.41M | -$16.78M | -$18.14M | -$30.00M | -$42.00M | -$83.00M | -$117.00M | -$158.00M | -$161.00M |
| 잉여현금흐름 (FCF) | $148.66M | $270.46M | $313.32M | $457.17M | $243.00M | -$391.00M | $1.86B | $1.23B | $1.45B | $2.07B |
FCF 마진
14.3%
CapEx / 매출
5.9%
주주환원 비중
109%
FCF 5년 CAGR
—
동종업계 6개와 비교한 상대적 위치. 정규화·마진·산점도·박스플롯으로
$371.44B
매출 · YoY +0.0%
$279.75B
매출 · YoY +3.3%
$40.00B
매출 · YoY +11.3%
$32.79B
매출 · YoY +16.4%
$191.57B
매출 · YoY -0.5%
$147.86B
매출 · YoY +3.2%
$114.98B
매출 · YoY +11.5%
$125.10B
매출 · YoY -1.4%
12M 수익률: HSBC +65.0% · MS +42.3% · GS +36.6% · BAC +22.1% · JPM +19.0% · FCNCA +10.2% · V +4.0% · BRK-B +1.7% · MA -3.1%
색상은 섹터 내 상대 위치 (초록=좋음 → 빨강=나쁨)
| 티커 | 매출 (FY) | 매출 YoY | 영업이익률 | ROE | PER | EV/EBITDA | FCF 수익률 |
|---|---|---|---|---|---|---|---|
| BRK-B | $371.44B | +0.0% | 15.9% | 9.3% | 16.2 | 16.2x | 2.3% |
| JPM | $279.75B | +3.3% | 26.0% | 15.7% | 16.0 | 18.4x | 11.2% |
| V | $40.00B | +11.3% | 60.0% | 52.9% | 33.4 | 25.7x | 3.3% |
| MA | $32.79B | +16.4% | 59.2% | 193.5% | 34.5 | 25.8x | 3.3% |
| BAC | $191.57B | -0.5% | 19.7% | 10.1% | 14.2 | 13.5x | 3.1% |
| HSBC | $147.86B | +3.2% | 20.3% | 11.3% | 13.0 | 7.7x | 9.2% |
| MS | $114.98B | +11.5% | 19.1% | 15.1% | 17.2 | 24.2x | 16.5% |
| GS | $125.10B | -1.4% | 17.5% | 13.7% | 16.9 | 30.0x | -17.2% |
X: 매출 YoY · Y: PER · 원 크기: 매출 규모
분할선은 표시 피어들의 중앙값(median).