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FIBK

First Interstate BancSystemC
Nasdaq / Banks
Last Price
Quote time unavailable
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Current thesis
The Q2 print supports a constructive view: higher margin, lower criticized loans, improving operating efficiency, and active capital deployment could lift per-share earnings over time. The earnings release reported $0.87 diluted EPS versus $0.61 in Q1 and $0.69 in Q2 2025.
Posture
Mixed
Lead driver
Sentiment
What changed
Sentiment remains the lead driver in the composite, 7D delta +3.3.
What can break
Continued loan payoffs may keep earning assets and reported balances below expectations.
Momentum
40
Value
57
Sentiment
66
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $39.50 · Bull $44.50 · Bear $31.50Analysis 2026-07-28; returns require an exact persisted reference.
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-08-17 • Vendor: Data Vendor v1
Scores
As of 2026-09-09 • Model: HYBRID_IC_RP
AI Memo
As of 2026-07-28 • Model: RankAlpha Sentiment Codex
Investment thesis
As of 2026-09-09

Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-09-09. Definitions

Supporting evidence
What
Grade C · Mixed
Confidence Medium · Net Neutral
Target $37.50
Why
Momentum40 · Δ7d -1.0
Value57 · Δ7d -0.0
Sentiment66 · Δ7d +3.3
So what
Balanced signals (Net Neutral). Wait for confirmation before sizing up.

Confirming evidence

  • • Sentiment remains the lead driver in the composite, 7D delta +3.3.

Contradictions & invalidation

  • • Continued loan payoffs may keep earning assets and reported balances below expectations.
  • • Deposit balances declined sequentially, partly due to branch-sale-related deposit transfers.
  • • The positive operating trends are partly offset by shrinking loans and deposits, elevated payoffs, higher net charge-offs, and management's expectation that runoff continues through 2026.

Catalyst clock

2026-07-23

Q2 earnings showed improving profitability

Lead driver: Sentiment · See AI snapshot
Momentum
40
9% active weight
Current posture
7d trendSoftening
Δ7d
-1.0
Δ21d
-11.8
Value
57
28% active weight
Current posture
7d trendFlat
Δ7d
-0.0
Δ21d
-0.1
Sentiment
66
62% active weight
Current posture
7d trendImproving
Δ7d
+3.3
Δ21d
+6.3
Why this grade

Composite grade C. Momentum 39.9 / Value 57.2 / Sentiment 66.0

Scenario snapshot

Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2026-07-28. Scenario method

B+
Bull case
20%
Probability
Target price
$44.50
Analysis reference price unavailable
Analysis 2026-07-28 · RankAlpha Sentiment Codex
Most likely
B
Base case
55%
Probability
Target price
$39.50
Analysis reference price unavailable
Analysis 2026-07-28 · RankAlpha Sentiment Codex
B-
Bear case
25%
Probability
Target price
$31.50
Analysis reference price unavailable
Analysis 2026-07-28 · RankAlpha Sentiment Codex
Fundamentals (TTM)
As of 2026-08-17
Market Cap
$3.71B
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 2026-09-09 • Updated nightlySource: Internal modelMethods & Data