Should I Buy FIBK? FIBK 2026 Analysis

Should You Buy First Interstate Bancsystem Inc (FIBK) Today? Analysis, Price Targets, and 2026 Outlook.

Conclusion

Hold

Latest Price

38.820

1 Day change

2.16%

52 Week Range

39.160

Analysis Updated At

2026/02/04

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Not a great buy right now for an impatient buyer: price is pushing into nearby resistance (R1 ~38.33) with momentum not clearly bullish yet.
Fundamentals/news are constructive (profitability rebound, stable dividend, S&P 500 inclusion), but the setup looks more like consolidation near resistance than a clean breakout entry.
Intellectia Proprietary Trading Signals
- AI Stock Picker: no signal on given stock today.
- SwingMax: No signal on given stock recently.
Net: Hold / wait for either a breakout above ~38.33–39.13 or a pullback toward ~37.0 to improve risk-reward (since you won’t wait, the current entry is not attractive).

Technical Analysis

Trend/Momentum: MACD histogram is negative (-0.0257) but contracting (bearish momentum is fading, not yet flipped bullish).
RSI(6) ~67.3: upper-neutral / nearing overbought, consistent with price being extended into resistance.
Moving averages: converging, pointing to a range/consolidation environment rather than a strong trend.
Key levels:
- Pivot: ~37.03 (important near-term support/decision level)
- Resistance: R1 ~38.33 then R2 ~39.13
- Support: S1 ~35.73 then S2 ~34.93
Practical read: at ~38.14 post-market, upside is immediately capped by 38.33–39.13 unless a catalyst-driven breakout follows through.

Options Data

Bullish

Open Interest Put-Call Ratio

Bullish

Option Volume Put-Call Ratio

Positioning: Put/Call OI ratio 0.19 (calls dominate: 337 call OI vs 63 put OI) → bullish skew.
Activity: options volume is essentially non-existent (today volume ~1 contract), so sentiment from flow is weak/low-confidence.
Volatility: IV(30d) ~43.27 vs historical vol ~30.53 → options are priced rich versus realized; good for sellers, not a strong “fear” signal.
Takeaway: OI structure leans bullish, but lack of volume means options are not confirming a strong near-term directional bet.

Technical Summary

Sell

Buy

Positive Catalysts

- Q4 2025 profitability improved sharply: net income and EPS surged YoY, suggesting better credit/provisioning and/or margin stabilization.
- Dividend maintained at $0.47/qtr, supporting income-focused demand.
- News item: joining the S&P 500 (as stated in the summary) can act as an event-driven catalyst via incremental indexing/visibility.
- Analyst support: Piper Sandler reiterated Overweight and raised target to $44, citing credit improvement and accelerated buybacks/excess capital management.

Neutral/Negative Catalysts

- Revenue in 2025/Q4 declined -1.94% YoY (top-line pressure).
- Mixed Street view: Barclays kept Equal Weight and cut target to $36 post-Q4, citing balance-sheet pressure and a lower earnings outlook.
- Technical positioning is near resistance with RSI elevated; without a breakout catalyst, near-term upside may be limited.
- Trading/sentiment data: hedge funds and insiders are neutral with no notable recent accumulation signal.

Financial Performance

Latest quarter: 2025/Q4.
Revenue: $243.2M, -1.94% YoY (modest contraction).
Net income: $108.8M, +108.83% YoY (major profitability rebound).
EPS: $1.08, +116% YoY (strong earnings acceleration).
Overall: earnings momentum is strong, but it’s not being driven by revenue growth—watch sustainability (mix of credit costs, NIM, and expense discipline likely matters here).

Growth

Profitability

Efficiency

Analyst Ratings and Price Target Trends

Recent rating/target trend is mixed but slightly improving at the top end:
- 2026-02-02 Piper Sandler: Overweight, PT raised to $44 (from $41).
- 2026-01-30 Barclays: Equal Weight, PT cut to $36 (from $38).
- 2026-01-06 UBS: Neutral, PT raised to $37 (from $34).
- 2025-12-17 KBW: Outperform, PT raised to $39 (from $37).
Wall Street pros: improving credit tone, capital return/buybacks, and potential mid-cap bank tailwinds (steepening curve, loan growth).
Wall Street cons: balance-sheet pressure and tempered forward earnings outlook (per Barclays).
Politicians/Congress: No recent congress trading data provided; no politician activity signal to lean on.

6 Analyst Rating

Wall Street analysts forecast FIBK stock price to fall over the next 12 months. According to Wall Street analysts, the average 1-year price target for FIBK is 37 USD with a low forecast of 30 USD and a high forecast of 41 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.

3 Buy

2 Hold

1 Sell

Moderate Buy

Current: 38.000

Low

Averages

High

Current: 38.000

Low

Averages

High

Stephens

Andrew Terrell

Overweight -> Equal Weight

downgrade

$37

AI Analysis

2026-02-05

New

Reason

Stephens

Andrew Terrell

Price Target

$37

AI Analysis

2026-02-05

New

downgrade

Overweight -> Equal Weight

Reason

As previously reported, Stephens analyst Andrew Terrell downgraded First Interstate to Equal Weight from Overweight with a $37 price target. Shares have moved 20% on an absolute basis over the last 120 days, while the firm's 2026 operating EPS forecasts have moved down 2% since early October, the analyst tells investors. The firm also notes that its 2026 net interest income forecast of $812.4M is 1.6% below consensus and 2.7% below the midpoint of the company's guidance.

Stephens

Overweight -> Equal Weight

downgrade

2026-02-05

New

Reason

Stephens

Price Target

2026-02-05

New

downgrade

Overweight -> Equal Weight

Reason

Stephens downgraded First Interstate to Equal Weight from Overweight.

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FIBK Should I Buy

FIBK Should I Buy

Should You Buy First Interstate Bancsystem Inc (FIBK) Today? Analysis, Price Targets, and 2026 Outlook.

Technical Analysis

Options Data

Technical Summary

Positive Catalysts

Neutral/Negative Catalysts

Financial Performance

Growth

Profitability

Efficiency

Analyst Ratings and Price Target Trends

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