RankAlpha logo
Back to Rankings

FISI

Financial InstitutionsB
Nasdaq / Banks
Last Price
Quote time unavailable
View Chart
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
Value
What changed
Next scheduled catalyst: earnings 2026-10-29 · AMC.
What can break
Credit deterioration could raise provisions and charge-offs despite stable Q2 credit metrics. [#SEC-8K-2026-07-23]
Momentum
64
Value
61
Sentiment
61
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.
Earnings
2026-10-29 · AMC
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-10-27 • Vendor: Data Vendor v1
Scores
As of 2026-10-27 • Model: HYBRID_IC_RP
AI Memo
As of 2026-07-28 • Model: RankAlpha Sentiment Codex
Investment thesis
As of 2026-10-27

Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-10-27. Definitions

Supporting evidence
What
Grade B · Constructive
Confidence Medium · Net Neutral
Target $45.00
Why
Momentum64 · Δ7d +1.8
Value61 · Δ7d -0.1
Sentiment61 · Δ7d -6.6
So what
Strength-led posture (Net Neutral). Favor watchlist adds and disciplined entries.

Confirming evidence

  • • Next scheduled catalyst: earnings 2026-10-29 · AMC.
  • • Value remains the lead driver in the composite, 7D delta -0.1.

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

2026-10-29 · AMC

Strong Q2 earnings and higher profitability outlook

Lead driver: Value · See fundamentals
Momentum
64
8% active weight
Current posture
7d trendFlat
Δ7d
+1.8
Δ21d
-4.7
Value
61
47% active weight
Current posture
7d trendFlat
Δ7d
-0.1
Δ21d
-0.6
Sentiment
61
45% active weight
Current posture
7d trendSoftening
Δ7d
-6.6
Δ21d
-14.0
Why this grade

Composite grade B. Momentum 63.6 / Value 60.9 / Sentiment 60.6

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 2026-10-27
Market Cap
$804.02M
Beta
0.72
Shares Out
19.71M
P/E (TTM) · Derived
11.2
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 2026-10-27 • Updated nightlySource: Internal modelMethods & Data