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FISI

Financial InstitutionsB
Nasdaq / Banks
Last Price
Quote time unavailable
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Current thesis
The Q2 print showed improving earnings, NIM, commercial loan growth, efficiency, capital, and AUM. Higher stored full-year profitability targets create a positive near-term operating setup.
Posture
Constructive
Lead driver
Sentiment
What changed
Sentiment remains the lead driver in the composite, 7D delta +2.9.
What can break
Credit deterioration could raise provisions and charge-offs despite stable Q2 credit metrics. [#SEC-8K-2026-07-23]
Momentum
62
Value
61
Sentiment
66
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $44.50 · Bull $50.00 · Bear $34.50Analysis 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 2026-09-10 • Model: HYBRID_IC_RP
AI Memo
As of 2026-07-28 • Model: RankAlpha Sentiment Codex
Investment thesis
As of 2026-09-10

Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-09-10. Definitions

Supporting evidence
What
Grade B · Constructive
Confidence Medium · Net Neutral
Target $45.00
Why
Momentum62 · Δ7d +2.4
Value61 · Δ7d -0.0
Sentiment66 · Δ7d +2.9
So what
Strength-led posture (Net Neutral). Favor watchlist adds and disciplined entries.

Confirming evidence

  • • Sentiment remains the lead driver in the composite, 7D delta +2.9.

Contradictions & invalidation

  • • Credit deterioration could raise provisions and charge-offs despite stable Q2 credit metrics. [#SEC-8K-2026-07-23]
  • • Deposit seasonality, funding costs, or weaker NIM momentum could pressure earnings. [#SEC-8K-2026-07-23]
  • • Indirect-loan runoff, modest sequential deposit decline, and the need to prove commercial-pipeline conversion could limit growth.

Catalyst clock

2026-07-23

Strong Q2 earnings and higher profitability outlook

Lead driver: Sentiment · See AI snapshot
Momentum
62
9% active weight
Current posture
7d trendImproving
Δ7d
+2.4
Δ21d
-9.9
Value
61
28% active weight
Current posture
7d trendFlat
Δ7d
-0.0
Δ21d
0.0
Sentiment
66
62% active weight
Current posture
7d trendImproving
Δ7d
+2.9
Δ21d
-0.9
Why this grade

Composite grade B. Momentum 61.7 / Value 61.3 / Sentiment 66.4

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
25%
Probability
Target price
$50.00
Analysis reference price unavailable
Analysis 2026-07-28 · RankAlpha Sentiment Codex
Most likely
B
Base case
50%
Probability
Target price
$44.50
Analysis reference price unavailable
Analysis 2026-07-28 · RankAlpha Sentiment Codex
B-
Bear case
25%
Probability
Target price
$34.50
Analysis reference price unavailable
Analysis 2026-07-28 · RankAlpha Sentiment Codex
Fundamentals (TTM)
As of 2026-08-17
Market Cap
$819M
Beta
0.72
Shares Out
19.71M
P/E (TTM) · Derived
11.4
P/S (TTM)
4.86
P/FCF (TTM)
102.87
Rev YoY
+0.9%
EPS YoY
+23.4%
Gross Margin
-
Op Margin
+26.3%
Net Debt
$277.09M
Current Ratio
0.07
As of 2026-09-10 • Updated nightlySource: Internal modelMethods & Data