FIBK Stock Analysis: Buy, Sell, or Hold?
FIBK - First Interstate BancSystem, Inc. Common Stock (DE)
$35.47
-0.67 (-1.85%)
▼
BUY
MODERATE Confidence
Last Updated: January 30, 2026
Earnings: Apr 29, 2026
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Interactive Price Chart (1 Month)
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Bottom Line:
💡 BUY OPPORTUNITY: FIBK shows positive signals but monitor for confirmation. Market pricing in 3.5% decline. Moderate conviction.
💡 BUY OPPORTUNITY: FIBK shows positive signals but monitor for confirmation. Market pricing in 3.5% decline. Moderate conviction.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$57.22
Based on 7.8% avg growth
INTRINSIC VALUE TODAY
$35.53
0.2% Margin of Safety
How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 13.5x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: FIBK is currently trading at $35.47, which is considered oversold relative to its 30-day fair value range of $35.60 to $37.27. The stock's valuation (Forward PE: 12.2) is in line with its historical norms (13.5). Remarkably, the market is currently pricing in an annual earnings decline of 3.5% over the next few years. This pessimistic expectation contrasts with the company's recent 115.9% earnings growth, suggesting potential undervaluation if the company simply maintains stability.
Technical Outlook: Technically, FIBK is in a strong uptrend. The price is currently testing key support at $35.38. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: The stock shows a mixed technical setup (40/100), with neutral trendline and momentum signals. Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Technical Outlook: Technically, FIBK is in a strong uptrend. The price is currently testing key support at $35.38. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: The stock shows a mixed technical setup (40/100), with neutral trendline and momentum signals. Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
OVERSOLD
Fair Price Range
$35.60 -
$37.27
Company Quality Score
50/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
74.8%
All Signals
- BULLISH: Price oversold vs 30-day range
- NEUTRAL: Mixed technical signals (40/100)
- BULLISH: High volume confirmation
- NEUTRAL: Near Wall St target ($37.12)
Fair Price Analysis
30-Day Fair Range
$35.60 -
$37.27
Current vs Fair Value
OVERSOLD
Support & Resistance Levels
Support Level
$35.38
Resistance Level
$38.78
Current Trend
Strong Uptrend
Fundamental Context
Forward P/E (Next Year Est.)
12.16
Wall Street Target
$37.13
(+4.7%)
Revenue Growth (YoY)
34.4%
Earnings Growth (YoY)
115.9%
Profit Margin
29.3%
Valuation Discount vs History
-3.5% cheaper
PE vs Historical
12.2 vs 13.5
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-3.5%
(market-implied from PE analysis)
1-Year Target
$34.23
(-4%)
2-Year Target
$33.03
(-7%)
3-Year Target
$31.87
(-10%)
3-Yr Target (if PE normalizes)
(PE: 12→14)
$35.37
(0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 22.3, Growth: 11.6%)
$90.31
(+155%)
Base:
(SPY PE: 12.2, Growth: 11.6%)
$49.26
(+39%)
Bear:
(PE: 10.3, Growth: 11.6%)
$41.87
(+18%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (15x PE), but valuation improves significantly next year (12x PE) as earnings recover.
Trailing PE: 15.47 | Current EPS (TTM): $2.37
Bull Case
$50.11
(+41%)
Analyst growth 24.3%, PE expands to 17.0
Base Case
$45.55
(+28%)
Market implied 24.3%, PE stable at 15.5
Bear Case
$24.93
(-30%)
Severe decline -20.0%, PE contracts to 13.2
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
💡
Upside Surprise Potential
If earnings stabilize (0% growth), PE could expand from 12.2 to 13.5
Stabilization Target:
$39.36
(+11.0%)
PE Expansion Potential:
+11.0%
Last updated: February 01, 2026 7:27 AM ET
Data refreshes hourly during market hours. Next update: 8:27 AM
Data refreshes hourly during market hours. Next update: 8:27 AM
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Technical Signals Check
Is FIBK showing a specific setup today?
Insider Activity (6 Months)
0
Buys
5
Sells
Net
INSIDERS SELLING
Recent Transactions
Jonathan R Scott
SELL
685 shares
2025-10-09
Jonathan R Scott
SELL
5600 shares
2025-10-08
Jonathan R Scott
SELL
13715 shares
2025-10-07
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Professional options setups generated by AI based on today's FIBK price and gamma walls.
