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FIBK

First Interstate BancSystemC
Nasdaq / Banks
Last Price
Quote time unavailable
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Current thesis
Eight basis points of sequential margin expansion, lower nonperforming assets and continued repurchases could support earnings recovery if charge-offs stabilize. [#PR-2026-10-22] Company earnings exhibit
Posture
Mixed
Lead driver
Value
What changed
Value remains the lead driver in the composite, 7D delta -0.8.
What can break
Annualized net charge-offs reached 0.28%, versus 0.06% a year earlier, despite declining nonperforming assets. [#PR-2026-10-22]
Momentum
40
Value
58
Sentiment
53
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $36.00 · Bull $41.00 · Bear $30.00Analysis 2026-10-23; returns require an exact persisted reference.
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-10-23 • Vendor: Data Vendor v1
Scores
As of 2026-10-23 • Model: HYBRID_IC_RP
AI Memo
As of 2026-10-23 • Model: RankAlpha Sentiment Codex
Investment thesis
As of 2026-10-23

Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-10-23. Definitions

Supporting evidence
What
Grade C · Mixed
Confidence Medium · Net Neutral
Target $37.13
Why
Momentum40 · Δ7d +2.9
Value58 · Δ7d -0.8
Sentiment53 · Δ7d -16.4
So what
Balanced signals (Net Neutral). Wait for confirmation before sizing up.

Confirming evidence

  • • Value remains the lead driver in the composite, 7D delta -0.8.

Contradictions & invalidation

  • • Annualized net charge-offs reached 0.28%, versus 0.06% a year earlier, despite declining nonperforming assets. [#PR-2026-10-22]
  • • Buybacks reduced the common equity tier 1 ratio by 18 basis points sequentially to 14.36%; future capital returns depend on capital and credit conditions. [#PR-2026-10-22]
  • • EPS declined sequentially and missed Zacks' $0.70 consensus by $0.05; charge-offs rose markedly from a year earlier, and lower loan balances partly offset net-interest-income gains.

Catalyst clock

2026-10-30

Post-earnings reassessment

Lead driver: Value · See fundamentals
Momentum
40
8% active weight
Current posture
7d trendImproving
Δ7d
+2.9
Δ21d
-4.5
Value
58
47% active weight
Current posture
7d trendFlat
Δ7d
-0.8
Δ21d
-0.2
Sentiment
53
45% active weight
Current posture
7d trendSoftening
Δ7d
-16.4
Δ21d
-20.3
Why this grade

Composite grade C. Momentum 40.0 / Value 58.0 / Sentiment 52.5

Scenario snapshot

Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2026-10-23. Scenario method

B+
Bull case
20%
Probability
Target price
$41.00
Analysis reference price unavailable
Analysis 2026-10-23 · RankAlpha Sentiment Codex
Most likely
B
Base case
50%
Probability
Target price
$36.00
Analysis reference price unavailable
Analysis 2026-10-23 · RankAlpha Sentiment Codex
B-
Bear case
30%
Probability
Target price
$30.00
Analysis reference price unavailable
Analysis 2026-10-23 · RankAlpha Sentiment Codex
Fundamentals (TTM)
As of 2026-10-23
Market Cap
$3.51B
Beta
0.77
Shares Out
95.3M
P/E (TTM)
15.2
P/S (TTM)
3.68
P/FCF (TTM)
33.06
Rev YoY
-7.8%
EPS YoY
+25.0%
Gross Margin
-
Op Margin
+29.4%
Net Debt
$417.5M
Current Ratio
0.11
As of 2026-10-23 • Updated nightlySource: Internal modelMethods & Data