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FIBKFirst Interstate BancSystem, InSell5.4·$37.11+1.50%
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First Interstate BancSystem, In (FIBK) Stock Analysis

Breakout setup

SellVALUE-TRAP 1/5Moderate Confidence

Financial Services · Banks - Regional

Sell if holding. Analyst target reached at $37.11 — A.R:R is negative (-1.4) — price has exceeded the analyst target. Reward from here is too thin for a buy — the engine flags exit. Additional concerns: Concentration risk — Loan Portfolio: commercial and commercial real estate loans (69.1%).

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

$37.11-1.8% A.UpsideScore 5.4/10#115 of 142 Banks - Regional
QualityF-score6 / 9FCF yield
IncomeYield5.07%(5y avg 5.62%)Payout61.44%
Stop $35.55Target $36.43(resistance)A.R:R -1.4:1
Analyst target$37.00-0.3%8 analysts
$36.43our TP
$37.11price
$37.00mean
$33
$41

Sell if holding. Analyst target reached at $37.11 — A.R:R is negative (-1.4) — price has exceeded the analyst target. Reward from here is too thin for a buy — the engine flags exit. Additional concerns: Concentration risk — Loan Portfolio: commercial and commercial real estate loans (69.1%). Chart setup: Golden cross, above all MAs, RSI 62, MACD bullish. Score 5.4/10, moderate confidence.

Passes 7/8 gates (positive momentum, clean insider activity, no SEC red flags, news events none recent, earnings proximity 45d clear, semi cycle peak clear, materials cycle peak clear). Fails on favorable risk/reward ratio. Suitability: aggressive.

news + 30-day 8-K events · 5-min refresh

Recent developments

updated 2026-06-13
TrendMatrix Research · upcoming catalyst calendar

Upcoming dated catalysts

Tue, Jul 28, 202645d to earnings· next earnings call

Thesis

Rewards
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
Earnings estimates trending DOWN

Key Metrics

P/E (TTM)12.1
P/E (Fwd)12.6
Mkt Cap$3.6B
EV/EBITDA
Profit Mgn30.0%
ROE9.3%
Rev Growth3.6%
Beta0.75
Dividend5.07%
Rating analysts13

Quality Signals

Piotroski F6/9

Options Flow

P/C0.35bullish
IV51%elevated
Max Pain$40+7.8% 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.

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About TrendMatrix. TrendMatrix is a publisher of general securities research and market commentary. We publish on a regular schedule. All content is the same for every subscriber in a tier — we do not provide personalized investment advice and we do not take into account any individual subscriber's financial situation, investment objectives, risk tolerance, tax situation, or holdings.

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Performance. Past performance is not indicative of future results. Performance figures reflect the published model only and do not reflect any individual subscriber's actual results.

Methodology · Editorial policy & full disclaimer

Rating Breakdown

1 floor-breaker

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

Bollinger
0.0
Support Resistance
0.2
52w Position
9.4
GatesA.R:R -1.4=NEGATIVEMomentum 6.9>=5.5Insider activity: OKNo SEC red flagsNEWS EVENTS NONE RECENTEARNINGS PROXIMITY 45d clearSEMI CYCLE PEAK CLEARMATERIALS CYCLE PEAK CLEARBreakoutSuitability: Aggressive
RSI
62 · Neutral
20D MA 50D MA 200D MAGOLDEN CROSSSupport $33.70Resistance $37.17

Price Targets

$36
$36
A.Upside-1.8%
A.R:R-1.4:1

Position Sizing

ConvictionNone
Suggested %0.5%
Max %1%
RegimeSteady

Risk Alerts

! Target reached (-13.3% upside)
! Negative risk/reward — downside exceeds upside

Earnings

B
B
B
B
4/4 beats
Next Earnings2026-07-28 (45d)

Verdict History

reverse chrono — latest first
Loading history...
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?

Sell if holding. Analyst target reached at $37.11 — A.R:R is negative (-1.4) — price has exceeded the analyst target. Reward from here is too thin for a buy — the engine flags exit. Additional concerns: Concentration risk — Loan Portfolio: commercial and commercial real estate loans (69.1%). Chart setup: Golden cross, above all MAs, RSI 62, MACD bullish. Prior stop was $35.55. Score 5.4/10, moderate confidence.

What is the FIBK stock price target?

Take-profit target: $36.43 (-1.8% upside). Prior stop was $35.55. Stop-loss: $35.55.

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; Earnings estimates trending DOWN.

Is FIBK overvalued or undervalued?

First Interstate BancSystem, In trades at a P/E of 12.1 (forward 12.6). TrendMatrix value score: 7.7/10. Verdict: Sell.

What do analysts say about FIBK?

13 analysts cover FIBK with a consensus score of 2.5/5. 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.

Related stocks: NIC (Nicolet Bankshares Inc.) · IFS (Intercorp Financial Services In) · GABC (German American Bancorp, Inc.) · CUBI (Customers Bancorp, Inc) · INTR (Inter & Co. Inc.)
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