Brighthouse Financial vs First Interstate BancSystem

This page compares Brighthouse Financial Inc and First Interstate BancSystem Inc, examining their business models, financial performance, and market context in clear terms. It covers strategy, product mix, risk factors, governance, and competitive positioning to help readers understand each company’s approach and potential considerations. Educational content, not financial advice.

This page compares Brighthouse Financial Inc and First Interstate BancSystem Inc, examining their business models, financial performance, and market context in clear terms. It covers strategy, product...

Comparison Snapshot

Key Financial Metrics

BHF

Metric

FIBK

$3.68B

Market Cap

$3.72B

2.90%

Potential Profit

-3.42%

Hold

Analyst Rating

Buy

Investment Analysis

Brighthouse Financial

BHF

Pros

Brighthouse Financial reported stronger-than-expected adjusted earnings in Q3 2025, reflecting improved net investment income and cost discipline.
The company achieved record sales in its Shield Level Annuities, contributing to an 8% year-on-year increase in total annuity sales.
Brighthouse boasts a strong financial health profile, with liquid assets exceeding short-term obligations and a perfect Piotroski Score of 9.

Considerations

Q3 2025 revenue fell short of analyst expectations, and premiums declined year-on-year, indicating some pressure on core business lines.
The Annuities segment's adjusted earnings dropped 7% year-on-year, despite higher sales, suggesting margin challenges in the core business.
Brighthouse Financial is set to be acquired by Aquarian Holdings, which introduces execution risk and potential uncertainty for shareholders until the deal closes.

First Interstate BancSystem

FIBK

Pros

First Interstate BancSystem maintains a diversified regional banking franchise with a strong presence in the western United States.
The company has demonstrated consistent profitability, supported by stable net interest margins and disciplined expense management.
First Interstate has a solid balance sheet with manageable loan loss provisions and a history of prudent capital allocation.

Considerations

The bank's growth is sensitive to regional economic conditions, which can be volatile and impact loan demand and asset quality.
First Interstate faces competitive pressures from larger national banks and fintech firms, potentially limiting market share gains.
Net interest income may be pressured by ongoing interest rate volatility and a flattening yield curve, affecting future earnings.

About The Companies

Brighthouse Financial (BHF)

Brighthouse Financial Inc (BHF) is a US-focused life insurance and annuities company that provides retirement-income solutions to individual customers and intermediaries. The business concentrates on fixed and indexed annuities and life insurance products designed to offer guaranteed income or death benefits, making it sensitive to interest-rate moves, actuarial assumptions and policyholder behaviour. With a market capitalisation of about $2.69 billion, Brighthouse operates in a capital-intensive, heavily regulated sector where capital management, product pricing and mortality trends drive results. Investors should note that earnings can be lumpy and influenced by investment returns on the company’s asset portfolio, regulatory changes and market demand for guaranteed products. This summary is educational and not personal financial advice; values can rise and fall and past performance is not a reliable guide. Consider your risk tolerance, investment horizon and seek independent advice if unsure about suitability.

First Interstate BancSystem (FIBK)

First Interstate BancSystem, Inc. is a financial holding company that operates primarily through its subsidiary, First Interstate Bank. With a strong focus on community banking, it serves individuals, businesses, and government bodies across its market areas. The company offers a comprehensive suite of financial products, including everyday banking services like current accounts, loans, and mortgages, all accessible through a network of branches as well as online and mobile platforms. A significant part of its business is dedicated to wealth management, providing services such as trust management, investment advice, and insurance. It extends credit to a diverse range of industries from agriculture and healthcare to technology and tourism. For investors, it's a company with deep roots in local economies, aiming to provide a full-service banking experience. As with any investment, its value can go down as well as up.

Which Baskets Do They Appear In?

Navigating Retirement State By State

A carefully curated collection of companies helping Americans prepare for retirement in different regions. With retirement costs varying dramatically by state and Social Security uncertainties growing, these financial providers offer solutions for creating personalized, location-specific retirement plans.

Published: July 1, 2025

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Which Baskets Do They Appear In?

Navigating Retirement State By State

A carefully curated collection of companies helping Americans prepare for retirement in different regions. With retirement costs varying dramatically by state and Social Security uncertainties growing, these financial providers offer solutions for creating personalized, location-specific retirement plans.

Published: July 1, 2025

Explore Basket

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Comparison Snapshot