Stock Ratings / Financials / FIBK / options

NIC (68) RNST (67) WSBC (69) BANF (71) ⌘ Pro Terminal →

First Interstate BancSystem Inc. (FIBK) Options Positioning, Max Pain & Unusual Sweeps

$37.95 +1.04% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $37.95

First Interstate BancSystem Inc. (FIBK) carries a Roarable Rating of C+ (Hold) with 68/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

📊 Historical Track Record: Scores of 68/100 (C+) historically posted market-perform odds over rolling 90-day windows (+1.8% avg 90D alpha vs SPY) →

ROARABLE C+ • HOLD / WATCH Cap $3.62B

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $37.95 (+0.00%)🧬 Cannibal Buyback (-2.36% YoY Shares)⚙️ Cash Engine: 10/20 (D) • 7.6% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 68/100 (C+) historically posted market-perform odds over rolling 90-day windows (+1.8% avg 90D alpha vs SPY • 56.9% hit rate — wait for RQD ≥ 70 breakout).

Audit Bucket Track Record →

RQD QUANT TACHOMETERHOLD / WATCH • C+

JEV AI Jury Split (Battleground)

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw C · Rk B

Each axis scored 0–20

12M PRICE TARGET CONE+4.5% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for FIBK)Realized 20D OHLCV Swing Band: ±4.4%

Deterministic 5-Pillar Attribution (68/100 Composite)

🔍 WHY FIBK SCORES 68/100 (C+) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Macro Regime Fit+16/20 pts (24% of score)

FRED Regime × Technicals: 76% of 52W Range • RSI-14 at 62.8 (BULLISH MOMENTUM)

▲ #2 Bullish Driver: Insider Conviction & Share Dilution+16/20 pts (24% of score)

SEC Form 4 / 13F Thermometer: 80% Net Buy • Cannibal Buyback (-2.36% YoY Shares)

▼ #1 Drag / Risk Factor: Cash Engine Quality10/20 pts (-10 pt drag)

Capital intensity & 0% operating margin leave 10 pts on the table

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade C$34.52+0.9% Next Q

Q2 (-2Q)

Grade C+$34.82+5.6% Next Q

Q3 (-1Q)

Grade C+$36.78+3.2% Next Q

Current

Grade C+$37.95+1.8% Hist 90D α

Trajectory: C (60) → C+ (68)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the FIBK Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 68/100 (C+) score, FIBK faces multiple-compression risk if 12.0x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.36% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($36.45) or 200D SMA ($36.28) invalidates the momentum regime and cuts Target Base ($39.66) toward Bear Floor ($30.93).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $FIBK• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “FIBK Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 68%NO 32%Trade / Inspect Odds →

CALL VS. PUT WHALE SHARE

— (No Active Options Snapshot)

Put/Call Ratio: — (No Active Options Snapshot)

MAX-PAIN EXPIRATION MAGNET

— (No Active Options Snapshot)

No active options chain max-pain snapshot on file

HISTORICAL 20D VOLATILITY SWING

±4.4%

Derived from 20D OHLCV bars (No Active Options Snapshot)

Active Strike Call vs. Put Concentration Ladder (FIBK)

— (No Active Options Snapshot) — No unusual CBOE strike concentration anomalies recorded in the current database snapshot for FIBK.

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ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher + Options & Swing Structure Desk

Whale Flow & Momentum Playbook: Evaluating FIBK & AI Leaders Without Chasing Tops

✓Institutional whale strikes & implied earnings move audit on FIBK
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✓Includes nightly RQD rating-change & forensic signal email alerts on tracked leaders

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

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FIBK // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +6.93%📐 HORIZONTAL RANGE

2026-10-30O $38.00H $38.04L $37.37C $37.95VOL 1.02M

RES: $39.14SUP: $33.28SMA50: $36.45SMA200: $36.28

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

FIBK Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 FIBK Butterfly Map → + Track FIBK →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

2.5%/yr Implied 5Y Growth

vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on FIBK today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for FIBK. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for FIBK today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (FIBK)

Financials Rank #217 of 1096 ⚔️ NIC vs FIBK Full Matrix →

1. Head-to-Head Financials Peer Comparison (FIBK vs. NIC, RNST, WSBC, BANF)

Industry: Major Banks (248 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, First Interstate BancSystem Inc. (FIBK) ranks #217 by composite RQD confidence (68/100, grade C+) and #324 by equity capitalization ($3.62B). Within this direct 5-issuer industry benchmark cohort, FIBK leads on earnings valuation at 12.0x trailing P/E, while BANF leads on capital efficiency and profitability with 13.0% ROIC and — gross margin. BANF currently holds the highest overall quantitative score in the immediate peer group at 71/100 (B-) compared with FIBK at 68/100 (C+).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
FIBK ACTIVE First Interstate BancSystem Inc.	C+	68/100	12.0x	—	8.8%	+1.04%	$3.62B	Benchmark Subject
NIC Nicolet Bankshares Inc.	C+	68/100	24.0x	—	12.0%	+0.89%	$3.62B	/nic-vs-fibk →
RNST Renasant Corporation	C+	67/100	20.3x	—	4.7%	+0.17%	$3.68B	/rnst-vs-fibk →
WSBC WesBanco Inc.	C+	69/100	16.7x	—	5.5%	+0.99%	$3.73B	/wsbc-vs-fibk →
BANF BancFirst Corporation	B-	71/100	15.6x	—	13.0%	+0.68%	$3.74B	/banf-vs-fibk →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0000860413

In its most recent audited fiscal period (FY2025, filed 2025-12-31), First Interstate BancSystem Inc. (FIBK) reported GAAP revenue of $0 (N/A vs. FY2024 revenue of $0 ) , GAAP net income of $302.1M, operating cash flow of $305.6M, and free cash flow of $305.6M (-13.9% YoY). On the balance sheet, FIBK closed FY2025 with $26.64B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 5/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$0	$302.1M	$305.6M	$305.6M	$26.64B	—
FY2024 (FY)	2024-12-31	$0	$226.0M	$355.0M	$355.0M	$29.14B	—
FY2023 (FY)	2023-12-31	$0	$257.5M	$428.0M	$428.0M	—	—

3. FIBK Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is FIBK stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-01, First Interstate BancSystem Inc. (NASDAQ: FIBK) is rated C+ (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 68/100 at a spot price of $37.95 (+1.04% 1D, market cap $3.62B). Pillar breakdown: Fundamental Cash Engine 10/20, Institutional 13F & Options Flow 13/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 16/20, and SEC Balance-Sheet Forensics 16/20. Across 1096 tracked Financials issuers, FIBK ranks #217 in composite RQD confidence.

How does FIBK compare to NIC and RNST in the Financials sector?

Within the Financials sector (Major Banks), FIBK carries a Roarable C+ (68/100 RQD), trailing P/E of 12.0x, gross margin of —, and ROIC of 8.8%. By comparison, NIC (Nicolet Bankshares Inc.) holds a C+ grade (68/100 RQD, P/E 24.0x, ROIC 12.0%, cap $3.62B) and RNST (Renasant Corporation) posts a C+ grade (67/100 RQD, P/E 20.3x, ROIC 4.7%, cap $3.68B). Among the 5-stock peer group, FIBK leads on earnings multiple (12.0x) while BANF leads on capital efficiency (13.0% ROIC).

What are the biggest fundamental strengths and SEC risk factors for FIBK?

Per FIBK's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000860413), First Interstate BancSystem Inc. generated $0 in revenue, $302.1M in net income, and $305.6M in free cash flow against $26.64B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.

Where is FIBK trading relative to its 50-day, 200-day, and 52-week technical levels?

FIBK last traded at $37.95 (+1.04% on volume of 985,391 shares), positioning the stock +4.12% above its 50-day simple moving average ($36.45) and +4.60% above its 200-day simple moving average ($36.28). Across its 52-week range of $29.39 to $40.60, FIBK sits at the 76.4% percentile with a 14-day RSI of 62.8 (BULLISH MOMENTUM) and an implied next-earnings move of ±4.4% ($36.28 to $39.62).

FIBK Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

What is FIBK's options positioning and volatility profile?

Roarable tracks verified CBOE unusual options sweeps, put/call ratios, and OHLCV realized volatility bands for FIBK.

Direct Sub-Reports: FIBK RQD Cockpit FIBK 12M Forecast FIBK Earnings & Move FIBK Dividends & DRIP FIBK Insiders & 13F FIBK Whale Options FIBK Profit Sankey FIBK News & Why