FIBK · First Interstate Bancsystem Inc

Track FIBK — free

$37.84 -0.62 (-1.61%) At close · Aug 19

Market Cap

$3.60B

95.30M

Up next

Next earnings call

Oct 23, 2026 Est · unconfirmed · in 9 wks

FQ3-26 quarter ends

~Sep 30, 2026 Est

Latest filing: 10-Q

filed Aug 3, 2026

AI Brief

TL;DR.

Bullish

Bearish

AI-generated from the earnings call and 8-K · may contain errors · not investment advice

Ask ALVIS about this →

Equibles Rating

blended score · not investment advice

Overall

Buy

SellHoldBuy

Technical Neutral Momentum Strong Sentiment Bullish Fundamentals Excellent Quant / Vol Low

Market backdrop VIX 14.9 · calm Equity put/call 0.52

Technical

price trend

Neutral

50 / 200-day cross No cross

Price vs 200-day avg +6%

above

Price vs 50-day avg −1%

below

RSI (14) 46

neutral

MACD trend Negative

52-week position 78%

mid-range

Momentum

relative strength

Strong

1-month return −1%

trailing

6-month return +3%

trailing

YTD return +9%

this year

Relative strength −9%

vs S&P · 6-mo

Sentiment

smart money

Bullish

Trend (MA cross) No cross

50d $38 › 200d $36 — 50d above 200d

Institutional flow Accumulating

+3% holders QoQ · +38 funds added

Insider flow Distributing

Net -$1.9M over 90 days · 100% sells

Short interest Falling

9.43% of float · ▼ -2.6% MoM · 6.3 days cover

Volume signal Normal

Volume near normal

Institution breadth Multi-yr high

297 holders — near 3-yr high, broad support

Squeeze score 70

high risk · 0–100

Fundamentals

Excellent

EPS growth +34%

Y/Y

Valuation P/E 11.7

below peers

Buyback $600.0M

authorized

Balance sheet $675.7M

net cash

Quant / Vol

risk profile

Low

Volatility 28%

annualized · 1-yr

Max drawdown −18%

past year

ATR 1.9%

of price · 14-day

Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.

Guidance & track record

what management promised — and delivered

Latest guidance · from the Earnings Call filed Mar 31, 2026

Average earning assets · by year end $24B – $24.5B

Prior guidance period ended · from the 8-K filed Oct 29, 2025

Net interest income · fourth quarter 2025 $203M – $205M

Noninterest expense · fourth quarter 2025 $155M – $157M

Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.

Technicals

trend & momentum for long-term holders Neutral

1 · 4 · 1

50 / 200-day cross

No cross Neutral

Price vs 200-day avg

+6% Bullish

Price vs 50-day avg

−1% Neutral

RSI (14)

46 Neutral

MACD trend

Negative Bearish

52-week position

78% Neutral

Market signals — smart money & positioning

Bullish · 3 of 6

Trend (MA cross) No cross

50d $38 › 200d $36 — 50d above 200d

Institutional flow Accumulating

+3% holders QoQ · +38 funds added

Insider flow Distributing

Net -$1.9M over 90 days · 100% sells

Short interest Falling

9.43% of float · ▼ -2.6% MoM · 6.3 days cover

Volume signal Normal

Volume near normal

Institution breadth Multi-yr high

297 holders — near 3-yr high, broad support

Price context

position in its 52-week range

Range low $29 Now $38 · 78% Range high $40

vs 200-day avg +6% vs 50-day avg -1%

Illustrative technical + ownership context — a signal mix, not investment advice.

Key metrics

the company's own KPIs, from written earnings releases and filings

Metric	Latest	Period	YoY
Adjusted net FTE interest income non-GAAP	$200.1M	the quarter ended June 30, 2026	—

GAAP → non-GAAP reconciliation GAAP Net FTE interest income (Non-GAAP) $203.6M -$3.5M Less purchase accounting accretion on acquired loans = Adjusted net FTE interest income $200.1M
Adjusted net FTE interest margin ratio non-GAAP	3.42%	the quarter ended June 30, 2026	—

Adjusted net interest margin (FTE) non-GAAP	3.42%	2Q26	—
annualized noninterest expense / average assets	2.44%	the second quarter of 2026	—
Common equity tier 1 capital ratio	14.54%	the second quarter of 2026	—
Cost of deposits	1.17%	the second quarter of 2026	—
Coverage of non-performing loans	114.1%	as of June 30, 2026	—
Efficiency Ratio	59%	2Q26	—
Funded Allowance for Credit Losses	1.28%	the second quarter of 2026	—
Leverage	9.59%	June 30, 2026	—
LHFI	$14.3B	June 30, 2026	—
Loan-to-deposit ratio	67%	the second quarter of 2026	—
Net charge-offs	$9.7M	the second quarter of 2026	—

Net charge-offs as a percentage of average loans outstanding (annualized)	0.27%	the second quarter of 2026	—

Net FTE interest income non-GAAP	$203.6M	the quarter ended June 30, 2026	—

GAAP → non-GAAP reconciliation GAAP Net interest income from consolidated statements of income $202.2M +$1.4M FTE adjustments = Net FTE interest income $203.6M
Net FTE interest margin ratio non-GAAP	3.48%	the three months ended June 30, 2026	—

Net Interest Income per Share non-GAAP	$2.09	Q2 2026	—
Net interest margin	3.45%	the three months ended June 30, 2026	—

Net interest margin (FTE) non-GAAP	3.48%	2Q26	—
Non-performing assets	$165M	as of June 30, 2026	—
Non-performing loans	1.12%	as of June 30, 2026	—
Return on average tangible common stockholders' equity non-GAAP	15.43%	the quarter ended June 30, 2026	—
Tangible assets non-GAAP	$24.71B	2Q26	—
GAAP → non-GAAP reconciliation GAAP Total assets 25.89B -1.18B Less goodwill and other intangible assets (excluding mortgage servicing rights) = Tangible assets 24.71B
Tangible book value per common share non-GAAP	$22.47	as of June 30, 2026	—
Tangible common stockholders' equity non-GAAP	$2.15B	2Q26	—
GAAP → non-GAAP reconciliation GAAP Total common stockholders' equity 3.32B -1.18B Less goodwill and other intangible assets (excluding mortgage servicing rights) = Tangible common stockholders' equity 2.15B
Tangible common stockholders' equity to tangible assets non-GAAP	8.69%	as of June 30, 2026	—
Total risk-based capital ratio	17.3%	the second quarter of 2026	—
Criticized loans	$1.03B	as of March 31, 2026	—

Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period

Versus peers

Banks - Regional — same industry group

Open screener →

Company	Mkt cap	YTD	Rev growth Y/Y	P/E	Short % shares
FIBK First Interstate Bancsystem Inc this stock	$3.60B	+9.4%	—	11.7	9.4%
MFG Mizuho Financial Group Inc	$131.93B	+38.5%	—	—	0.1%
HDB Hdfc Bank Ltd	$118.97B	-36.6%	+15.2%	—	0.5%
IBN Icici Bank Ltd	$105.45B	-1.2%	—	—	0.5%
PNC Pnc Financial Services Group, Inc.	$101.11B	+18.1%	+7.2%	14.0	1.8%

Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding

At a glance

key data from every section

Ownership

Institutional Holders Reducing

Holders

297

% held: 95.8%
Net QoQ: -969.6K sh
Top holder: BlackRock, Inc.

Held Float

View

Held by Funds

Fund positions

314

View

Short & Settlement

Short Interest Falling

Shares short

9.0M

Days to cover: 6.3d
Change: -235.3K sh

View

Short Volume

Short vol %

66%

As of: Aug 19, 2026

Short Total

View

Fails to Deliver

FTD shares

682

Value: $26.2K
As of: Jul 31, 2026

View

Off-Exchange

Off-exchange %

38.1%

Week of: Jul 13, 2026

Off-exch Lit

View

Smart Money

Insider Trades Net selling

Net (90d)

-$1.9M

Buyers / Sellers: 0 / 2

Buyers Sellers

View

Congressional Trades Sell

Member

Donna Shalala

Amount: $1.0K–$15.0K
Traded: Jun 24, 2019

View

Financials

Net income (FY)

$302.1M

EPS diluted: $2.94

View

Buybacks

Authorized · 2 programs

$600.0M

View

Filings

SEC Filings

Latest

10-Q

Filed: Aug 3, 2026
This year: 11

View

Proposed Sales

Value

$539.5K

Shares: 15.0K
Filed: Jun 18, 2026

View

Earnings & Events

Earnings Calls

Last call

Jul 24, 2026

View

Investor Relations

Performance

	5D	20D	120D	MTD	YTD
FIBK	-1.8%	-1.4%	+2.9%	-0.5%	+9.4%
SPY	-0.4%	+2.9%	+11.6%	+3.0%	+12.8%
vs SPY	-1.4%	-4.3%	-8.7%	-3.4%	-3.4%

Capital returns

Latest dividend

$0.47 / share · ex Aug 4, 2026

Raised 14.6%

Paid (TTM)

$1.88 / share · 4 payouts

Dividend yield (TTM, derived)

4.97%

Buyback programs · 2 active · as of Jul 30, 2026

Authorized (total)

$600.00M

Spent (derived)

—

Remaining

—

Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.

Key facts CIK 860413 CUSIP 32055Y201 13F (30d) 274 filings 269 filers Visit website Investor relations

FIBK · First Interstate Bancsystem Inc

Price & Indicators

Up next

AI Brief

Equibles Rating

Guidance & track record

Technicals

Key metrics

Versus peers

At a glance

Performance

Capital returns