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First Interstate BancSystem, In (FIBK) Stock Analysis

Range Bound setup

HoldModerate Confidence

Financial Services · Banks - Regional

Hold if already holding. Not a fresh buy at $34.38, but acceptable to hold if already in. Reasons: Concentration risk — Loan Portfolio: commercial and commercial real estate loans (69.1%); Analyst target reached - limited upside remaining.

First Interstate BancSystem is a community bank holding company with $26.6B in assets operating 290 banking offices across 12 states in the Rocky Mountain, Plains, and Pacific Northwest. Its single community banking segment has #2 deposit market share in Montana (16.6%) and #1... Read more

$34.38+3.5% A.UpsideScore 5.2/10#124 of 142 Banks - Regional
QualityF-score6 / 9FCF yield—
IncomeYield5.47%(5y avg 5.58%)Payout61.44%
Stop $32.65Target $35.58(resistance)A.R:R -1.1:1
Analyst target$37.25+8.3%8 analysts
$35.58our TP
$34.38price
$37.25mean
$33
$41

Hold if already holding. Not a fresh buy at $34.38, but acceptable to hold if already in. Reasons: Concentration risk — Loan Portfolio: commercial and commercial real estate loans (69.1%); Analyst target reached - limited upside remaining. Chart setup: RSI 44 mid-range, Bollinger mid-band. Mixed signals. Hold existing position. Score 5.2/10, moderate confidence.

Passes 5/8 gates (clean insider activity, no SEC red flags, earnings proximity 70d clear, semi cycle peak clear, materials cycle peak clear). Fails on weak momentum and favorable risk/reward ratio and news soft leadership change. Suitability: aggressive.

Val8.0Qual5.0Grw5.2Mom3.2Sent4.4Ins3.9Peer4.2Tech6.7Risk5.35.2OVERALL

Recent Developments — First Interstate BancSystem, In

Latest news

Generated 2026-05-20T20:21:21Z.

Thesis

Rewards
Sector modifier (Financial Services): +1.0
Strong earnings beat streak (4/4)
Attractive valuation
Risks
Concentration risk — Loan Portfolio: commercial and commercial real estate loans (69.1%)
Analyst target reached - limited upside remaining
V7 low-quality RISK_OFF penalty: -0.5 (Q=5.0)

Key Metrics

P/E (TTM)11.2
P/E (Fwd)11.7
Mkt Cap$3.3B
EV/EBITDA—
Profit Mgn30.0%
ROE9.3%
Rev Growth3.6%
Beta0.75
Dividend5.47%
Rating analysts13

Quality Signals

Piotroski F6/9

Options Flow

P/C0.50bullish
IV44%normal
Max Pain$20-41.8% vs spot

Concentration Risks(10-K Item 1A)

  • HIGHloan_portfoliocommercial and commercial real estate loans69%
    10-K Item 1A: 'we had $10.5 billion of commercial loans, including $8.1 billion of commercial real estate loans, representing approximately 69.1% of our loans held for investment portfolio'
  • LOWGeographicMontana deposits17%
    10-K Item 1: 'Montana(4)| 16.6| | 2| | 42'

Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results. Full disclaimer

Rating Breakdown

1 floor-breaker

Momentum below the gate floor. Component breakdown shows what dragged the score down.static

Macd
1.0
Obv
1.0
Volume
2.7
Rsi
5.5
Ma Position
6.0
Volume distribution (falling OBV)Above 200-day MA
GatesMomentum 3.2<4.5A.R:R -1.1=NEGATIVENEWS SOFT LEADERSHIP CHANGEInsider activity: OKNo SEC red flagsEARNINGS PROXIMITY 70d clearSEMI CYCLE PEAK CLEARMATERIALS CYCLE PEAK CLEARRange BoundSuitability: Aggressive
RSI
44 · Neutral
↓ 20D MA↑ 50D MA↑ 200D MAGOLDEN CROSSSupport $33.66Resistance $36.31

Price Targets

$33
$36
A.Upside+3.5%
A.R:R-1.1:1

Position Sizing

ConvictionNone
Suggested %0.5%
Max %1%
RegimeRisk-Off

Risk Alerts

! Target reached (-5.7% upside)
! Momentum score 3.2/10 — below 4.5 minimum
! Negative risk/reward — downside exceeds upside

Earnings

B
B
B
B
4/4 beats
Next Earnings2026-07-28 (70d)

Verdict History

reverse chrono — latest first
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Verdicts are recorded on every nightly pipeline run. Rows capture transitions (verdict flips, score deltas ≥0.3, entry/TP/SL changes). Rows with a ▶ can be expanded to see the change reason. Aggregate cohort performance is tracked in the recommendation ledger.
Frequently Asked Questions
Is FIBK stock a buy right now?

Hold if already holding. Not a fresh buy at $34.38, but acceptable to hold if already in. Reasons: Concentration risk — Loan Portfolio: commercial and commercial real estate loans (69.1%); Analyst target reached - limited upside remaining. Chart setup: RSI 44 mid-range, Bollinger mid-band. Mixed signals. Hold existing position. Target $35.58 (+3.5%), stop $32.65 (−5.3%), A.R:R -1.1:1. Score 5.2/10, moderate confidence.

What is the FIBK stock price target?

Take-profit target: $35.58 (+3.5% upside). Target $35.58 (+3.5%), stop $32.65 (−5.3%), A.R:R -1.1:1. Stop-loss: $32.65.

What are the risks of investing in FIBK?

Concentration risk — Loan Portfolio: commercial and commercial real estate loans (69.1%); Analyst target reached - limited upside remaining; V7 low-quality RISK_OFF penalty: -0.5 (Q=5.0).

Is FIBK overvalued or undervalued?

First Interstate BancSystem, In trades at a P/E of 11.2 (forward 11.7). TrendMatrix value score: 8.0/10. Verdict: Hold.

What do analysts say about FIBK?

13 analysts cover FIBK with a consensus score of 2.6/5. Average price target: $37.

What does First Interstate BancSystem, In do?First Interstate BancSystem is a community bank holding company with $26.6B in assets operating 290 banking offices...

First Interstate BancSystem is a community bank holding company with $26.6B in assets operating 290 banking offices across 12 states in the Rocky Mountain, Plains, and Pacific Northwest. Its single community banking segment has #2 deposit market share in Montana (16.6%) and #1 in Wyoming (13.3%). Commercial and CRE loans represent 69.1% of loans held for investment.

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