FIBK paid an annual dividend of $1.33 this past year, and has announced that the dividend for the current year will be $1.36. The stock has a Beta of 1.16, the risk-free rate is 2.5%, and the equity risk premium is estimated at 5.5%. What is the required rate of return for FIBK stock, as calculated using the CAPM? Assume that after this year the dividend rises by 5% for two years, by 4% for one year, and by 3.5% for one year, before settling at a long-term growth rate of 3%. What is the value of FIBK stock