Deep dive · NYSE: IFS
Intercorp Financial Services Inc. stock analysis
Everything behind the call on Intercorp Financial Services Inc. 6 sections, ordered the way risk stacks up: survival first, quality and price in the middle, context last. The Beacon gives you the read. This is where you check the work.
The five reads
Why the reads disagreeread this before the sections
3 factors lean up and 0 lean down and one side is clearly ahead. The net lands at +5 over 30d, a leaning reading, which makes this a question of size rather than of direction.
Leans up · and why
earnings, analyst moves, sentiment vote up.
What it changes
Size, not direction. and the binding position cap is 3.2% — the tail cap is the one that binds.
Global tapeOverseas lean+1.00%
Frankfurt9IFA+1.00%⏱
Where else this company trades. A closed venue shows its last close, marked ⏱ — not a live price. Overseas lean is the average move across the 1 overseas venue listed above, excluding the home listing — a read on overnight sentiment rather than a signal.
The bottom linestart hereAs of 2026-09-18
Wall Street rating
Hold
+24% to the average target
67% buy · 33% hold · 0% sell
median target $68
median target $68
Chart pattern
Between the averages
The 50-day sits above the 200-day
50-day $56.77 · -3.1%
200-day $49.18 · +11.8%
200-day $49.18 · +11.8%
Earnings
In 52 days
9 Nov 2026
beat 7–8 of the last 8
cohort P(beat) 80% · n=35,425
cohort P(beat) 80% · n=35,425
Valuation
8.0× forward
5th of its own five-year range
5yr median 8×
Dividend
3.27%
Forward annual yield at today's price
Risk flags
1 on watch
5 checks run, 2 clear
beta 0.69 · vol 14% ann.
worst drawdown -13%
worst drawdown -13%
New to this? Every metric carries a plain-English read beside it, and an ⓘ next to a label opens the definition. Anything unfamiliar is also defined at the foot of the page under Glossary.
In one paragraphwhat the company actually does178 chars
Intercorp Financial Services Inc., together with its subsidiaries, provides banking, insurance, wealth management, and payment services for retail and commercial clients in Peru.
NYSE · USDRegional Banks
$54.98-0.07 · -0.13%AH · vol 271.6K
52-week range↑ 44% off low · ↓ 10.4% off high
$38.29now $54.98$61.38
Quote Sep 18, 2026 · time not on file
Tape 2026-09-17
Factors 2026-09-18
Tape 2026-09-17
Factors 2026-09-18
01
Survival & solvency
and 2 of 5 forensic checks clear.
↳ Plain EnglishBefore anything else: can this company pay its bills? These blocks check the balance sheet, whether your slice of ownership is being diluted, and whether the accounting looks honest.
Piotroski F-score
F 6/7CLEAR
Piotroski F-score 6 of 7. Nine pass/fail tests covering profitability, leverage and operating efficiency; seven or more is strong.
Balance sheetSep 18, 2026
Your ownership stake
Share-count growth vs peersLOW DILUTION
25th pctile
Where this name's share-count growth ranks among peers. Lower is less dilutive.
Accounting forensicsSEC filings
Red-flag x-rayGRADE B
83 / 100
0 critical · 1 watch · 2 clear of 3 scored tests
Red-flag x-ray · every check, passes included
CheckStatusValueWhat it looks for
Bankruptcy distressNAn/aAltman-Z not available · fundamentals
Earnings manipulationNAn/aBeneish-M not available · fundamentals
LeverageCLEARLTD/E 0.69long-term debt 0.69× equity · fundamentals
Profitability qualityCLEARF 6/7Piotroski F-score 6 of 7 · fundamentals
Filing forensicsWATCH1 flag1 filing red flag on the latest 10-K · forensic
5 checks, 2 clear and 1 watch. The passes are shown because a score built from five checks means something different from one built from three.
02Refreshed · Sep 18, 2026GOOD · 68/100
Business quality
28% net margin, 16% return on equity, +6% revenue growth.
↳ Plain EnglishMargins tell you how much of each sales dollar the company keeps. Return on capital tells you whether reinvesting that money creates value. Both are read against what the filings support, not against a target.
Quality score
68 / 100GOOD
Profitability, growth and balance strength scored separately, then blended.
ProfitabilityRefreshed · Sep 18, 2026
Net marginOF EVERY SALES DOLLAR
28.0%
The share of revenue that survives every cost and becomes profit.
Return on equityPER $1 OF EQUITY
15.6%
Annual return on each dollar of shareholder equity.
Revenue (TTM)+6% YoY
$7.13B
Trailing twelve-month revenue from the latest filings.
Growth & relative strength
Trailing return by period
1 month+2.1%
3 months-3.9%
6 months+15.9%
Year to date+30.4%
1 year+32.3%
Revenue growth (YoY)GROWING
+5.7%
Revenue against the same period a year ago.
EPS growth (YoY)MARGINS WIDENING
+52.1%
Earnings per share against a year ago. Running ahead of revenue means margins are widening.
12-1 momentumEX LAST MONTH
+35.7%
Return over the last year excluding the most recent month — the standard momentum factor, which drops the short-term reversal.
Relative-strength rankBOTTOM 43%
43 / 100
Where this name's 3-month return against the S&P 500 ranks across the market — a quarter's standing, not the year's.
Around earningsAug 11, 2026
P(beat next quarter)COHORT BASE RATE
80%
survivor-tilted universe (currently-listed names; large-cap-skewed coverage)
Beat rate · this nameBEAT 7–8 OF THE LAST 8
7 of 8
Its own record against consensus. 8 prints is a small sample, which is why the cohort rate above carries the probability.
Fell after a beatP(FELL | BEAT)
38%
A beat is not a plan: this share of them still closed lower on the day.
Rose after a missP(ROSE | MISS)
50%
The mirror of the line above, over its own denominator.
Typical earnings moveMEDIAN ABSOLUTE
±3.1%
Unsigned magnitudes from its own prints. Direction is not part of this read.
Reaction: beat vs missSYMMETRIC
+1.6% / +0.8%
The average day-one move after a beat and after a miss. A miss dropping the stock further than a beat lifts it is the asymmetry worth sizing for.
Dividends & income
Dividend yieldforward annual
3.27%
The cash return the payment alone provides at today's price.
Cash coveragefree cash flow
>2x
Whether the payment is funded out of the cash the business generates.
Inventory ledger
Data unavailableNo inventory detail is tagged in this company's filings. The ledger needs the XBRL inventory components, which a business without physical goods does not report.
Segments & geography
Data unavailableRevenue by segment and region is not on file for this name, so product and geographic concentration are not shown.
Pattern reliability · platform-wide cohortSnapshot · Sep 18, 2026
Downtrend · leans bearish
HorizonHigherMedianObservations
10d47%0.0%1,260,321
21d48%0.0%593,656
63d47%-0.5%186,156
slope -0.10 over 40 bars
Bullish harami · leans bullish
HorizonHigherMedianObservations
10d49%0.0%129,954
21d48%-0.2%61,286
63d49%-0.2%19,561
small body inside prior bearish
Double top · leans bearish
HorizonHigherMedianObservations
10d50%0.0%1,212,095
21d51%+0.1%570,206
63d52%+0.4%180,573
two peaks ≈ equal — reversal if neckline breaks
Double bottom · leans bullish
HorizonHigherMedianObservations
10d49%0.0%1,242,409
21d50%0.0%584,002
63d51%+0.2%184,289
two troughs ≈ equal — reversal if neckline breaks
Inverse head and shoulders · leans bullish
HorizonHigherMedianObservations
10d49%0.0%491,675
21d50%0.0%231,291
63d51%+0.1%73,497
low below two ≈-equal shoulders — bullish reversal
Ascending triangle · leans bullish
HorizonHigherMedianObservations
10d50%0.0%643,427
21d51%+0.2%302,356
63d53%+0.5%95,587
flat resistance, rising support
Near support · leans bullish
HorizonHigherMedianObservations
10d51%+0.1%533,688
21d53%+0.2%250,417
63d54%+0.4%78,400
testing recent support
Bollinger squeeze
HorizonHigherMedianObservations
10d43%0.0%757,951
21d45%0.0%355,725
63d47%0.0%112,112
bands at a multi-month tight — breakout pending
035TH OF ITS 5-YEAR RANGE
Price & timing
Price $54.98, 8.0× forward earnings, RSI 47.
↳ Plain EnglishA multiple is what the market charges for a dollar of this company's earnings, cash or revenue; the trend and the options tape say what the price is doing around it. Together they are the timing picture, not the quality one.
Trend
Mixed2 OF 3 AVERAGES
50-day $56.77 · 200-day $49.18. Price above both is the structural definition of an uptrend.
The setup right now
Price · 504 sessions2024-09-13 → 2026-09-17
price50-day200-day
How to read this
Down 0.13% on the session.
Follow the solid line: each point is a session close. Compare it to the 50-day average — while price stays above it the short-term trend is up, and a drop below is the first structural warning.
Momentum (RSI-14)COOL
47
030 oversold70 hot100
Where momentum sits on a 0–100 scale. Above 70 is overbought, below 30 oversold; the middle says the move has room either way.
Typical day (ATR-14)±2.2%
$1.21
The average true range — how far this stock moves on an ordinary day. It sets the scale a stop has to clear.
MACDABOVE SIGNAL
+0.05
The short-term trend against its own signal line. The sign is the read; the size is not a target.
Bollinger position56% OF RANGE
Mid band
Where price sits inside its own volatility band. The edges are where a move is stretched, not where it reverses.
20-day VWAPPRICE ABOVE
$54.77
The volume-weighted average of the last month. Price above it means recent buyers are, on average, in profit.
Chandelier exitLONG INTACT
$52.76
A volatility-based trailing stop, set a few average ranges below the recent high.
9 Nov 2026 · in 52 daysNext earningsThe next scheduled catalyst. The forward guide usually moves the tape more than the printed number. Date as the vendor last stated it on 19 Aug; companies confirm about three weeks ahead, so it can still move.
2026-09-25 · in 7 daysConsumer SentimentA scheduled macro release. It moves this stock independently of anything the company does.
Setup & oddsNightly
Pullback riskoverstretch read
Low0.59× segment rate · n=2,116
Historically, bank names in this tape state saw a ≥10% pullback within 63 trading days in 33% of cases (n=2,116).
Overstretchvs the 20-day mean
0.4σ
How many standard deviations price sits from its 20-day mean. Beyond 2σ is genuinely stretched; inside it is ordinary.
Bottom zoneif it breaks down
$53 – $543 supports
Where prior demand appeared: Pivot low at $53.84, Pivot low at $53.82, S1 at $53.61.
Slide scorefalling-knife check
0 / 100Neutral
A composite of consecutive down days, gap risk and volume expansion. Low means any decline is orderly.
Signal
The odds lean, the stretch qualifies it.
Not enough fundamental coverage to score this name's red-flag cohort — no 12-month odds shown.
Valuation
Earnings yield vs cashABOVE CASH
4.89pp
The earnings yield clears the risk-free rate, so the current return alone competes with cash.
Multiples
Forward P/Eearnings expected over the next 12 months8.0×5yr median 8×
Trailing P/Eearnings already reported10.1×5th of its 5yr range
PEG ratioP/E divided by growth; near 1 reads fair for the growth0.88
Price / salesprice against revenue, before any of it becomes profit0.9×5yr median 2.4×
Price / bookprice against the accounting value of the assets0.5×
0 of the 5 priced multiples above sit in the richer half of its band. Each priced multiple is read against this stock's own history where a five-year range is on file, so the question is whether today is dear for this name rather than for the market. The multiples are computed separately from the quote above and are not re-priced as it moves, so they can lag it.
Price horizon & timingSep 17, 2026
Entryzone of pivot low + S1
$54.44Approach
Where the composer's entry sits, on its own stated basis.
TargetSma 50 + vwap 50
$56.78$56–$57
A zone, not a price. It is where the composer expects supply, not a forecast.
Stop2× ATR below entry
$52.03risk $2.41/sh
The level that says the setup is wrong, on the basis named beside it.
Risk / rewardtarget vs stop
0.97:1flagged low
Less reward than risk at these levels. The composer publishes it rather than hiding it, because a sub-1 ratio is the argument against the trade.
Measure from a price$
To the 50-day
+3.2%
short-term trend line · $56.77
To the 200-day
-10.5%
primary trend line · $49.18
To the composer's target
+3.3%
Sma 50 + vwap 50 · set Sep 17, 2026 · $56.78
To the composer's stop
-5.4%
2× ATR below entry · set Sep 17, 2026 · $52.03
To the 52-week high
+11.6%
highest print of the past year · $61.38
To the 52-week low
-30.4%
lowest print of the past year · $38.29
A typical day (ATR)
$53.77 – $56.19
±$1.21 average true range
Type any price to re-measure every distance from it. Each row is a level this page already states somewhere else, so nothing here is a new number — and none of it is a recommendation to trade at that price.
Signal
Less reward than risk at this level.
Entry $54.44 · stop $52.03 · target $56.78, a 0.97:1 ratio. The composer flagged: low reward to risk.
Gamma map
Data unavailableThis name has no listed options chain, so there is no dealer gamma to map. Regime, flip level, walls and the implied move all need a chain to exist.
Options tape
Data unavailableNo options chain is connected for this ticker. Max pain, the put/call ratio, the implied move and the open-interest ladder all need the chain feed.
0413F quarterly · Form 4 dailyNET SIGNAL +5
Ownership & flow
Institutions hold 24%, short interest is 0.99% of float, and 1 analysts average $68.
↳ Plain EnglishWho is buying and selling, and what they had to disclose. Institutions file 13F 45 days after quarter end, executives file Form 4 within two days, and Congress discloses under the STOCK Act with a 30–45 day legal lag. Every one of those is a look backwards.
Net signal
+5LEANING · 30d
3 bull / 0 bear factors. The points sum to the net beside the label; nothing here is weighted after the fact.
The QTick signalNightly
Analyst moves90D · TIMING
+1
1 price-target raise in 90d
Earnings4 QUARTERS · TIMING
+3
latest EPS beat by 7%
Sentiment1–30D · TIMING
+1
7d sentiment elevated (100/100)
Signal
3 bull / 0 bear factors
Independent factors scored and netted to +5 over 30d, a leaning reading. 3 of 9 factors carried a direction; the others scored zero and do not vote. The signal describes where the data leans, not what to do about it.
Cross-category read
Data unavailableFewer independent evidence families are ready than the engine's minimum, so there is nothing to check for agreement. A cross-category read over two categories is not a read.
Wall Street1 covering firms
Consensus rating1 ANALYSTS
Hold
67% buy · 33% hold · 0% sell, as a share of the 1 covering firms.
Median price target+24%
$68
$62now $55$74
A $62–$74 spread across the panel. A twelve-month view, and a wide spread means real disagreement rather than a consensus.
Forward EPS estimateCONSENSUS
$23.50
What the panel expects the company to earn per share.
Recent analyst moves · last 90 days
FirmTargetDirectionRank
JP Morgan$62↑49/100
Upgrades, downgrades and target changes from covering firms. A cluster of moves in one direction matters more than any single target; the rank is the firm's own credibility score, or a dash below the scoring floor.
Who owns it13F quarterly · Form 4 daily
Institutional ownershipRETAIL-HEAVY
23.6%
The share held by 13F filers. It describes last quarter's positioning, not today's — filings land up to 45 days after quarter end.
Insider ownershipOFFICERS & DIRECTORS
73.4%
The share held by the people running the company.
Short interest (float)LIGHT
0.99%
Falling — shares short changed -27.0% over 30 days. There is no short base to squeeze here.
Free float27% OF SHARES
29.53M
Shares actually available to trade, excluding insider and restricted holdings.
Dollar volume (ADV)67th PCTILE
$13.31M/day
Average dollars traded per day, and where that ranks cross-sectionally. Thin liquidity is a cost you pay on the way out, not just on the way in.
Borrow feeData unavailableWe do not license securities-lending data, so the annualized cost of borrowing shares to short is not something we can show. Short interest and days-to-cover above are the closest read we can source.
The story · news & sentimentRolling window
Why it moved todayNONE
-0.13%
IFS was little changed −0.13% in after-hours trading — no notable catalyst, and the move itself was modest.
News tone · 7-day—
100 / 100
Headline polarity over the window, scored from news articles. Above 60 leans positive, below 40 negative. Colour, not a signal.
Newswire · 47 stories
WhenHeadlineSourceTone
22h agoSEBSA and Addovation form strategic partnership to support IFS customers across the globe - Island.lkIsland.lknot scored
MonWho is Sidharth Babu? IFS officer seen alongside PM Modi, Xi Jinping and Putin at BRICS Summit - Moneycontrol.comMoneycontrol.comnot scored
MonWho is the young man behind PM Modi, Putin and Xi Jinping in viral BRICS photo? Meet IFS officer Sidharth - The Times of IndiaThe Times of Indianot scored
SatForest secy tenders apology in HC in IFS transfer case - timesofindia.indiatimes.comtimesofindia.indiatimes.comnot scored
Sep 11HC orders CBI compliance report in IFS officer Sanjiv Chaturvedi’s contempt pleas - timesofindia.indiatimes.comtimesofindia.indiatimes.comnot scored
Sep 11HC orders CBI compliance report in IFS officer Sanjiv Chaturvedi’s contempt pleas - The Times of IndiaThe Times of Indianot scored
Sep 11(IFS) Movement Within Algorithmic Entry Frameworks - Stock Traders DailyStock Traders Dailynot scored
Sep 10Fitch Affirms First American's IFS Ratings at 'A'; Outlook Stable - marketscreener.commarketscreener.comnot scored
Coverage published around the move, newest first. Nothing here measures causation — only the why-it-moved card above is matched to the tape by timestamp.
Congress
Data unavailableNo congressional trades in this name have been disclosed under the STOCK Act. Lawmakers' disclosed trades cluster heavily in large caps, so an empty list is the usual state.
0514 graded callsORDINARY VOLATILITY
Risk & track record
Beta 0.69, 14% annual volatility, a -13% worst drawdown, and 2 of 8 risk surfaces clear.
↳ Plain EnglishWhat owning it does to a portfolio, what the model votes against, and how often our own calls have been right. Every call is graded when it resolves, and the ones still open stay visible.
Max drawdown
-13.4%WORST FALL
The deepest peak-to-trough fall in the measured window. Only hold a position you can watch do this.
What it does to a portfolio5-year window
Beta (vs the market)LOW FIT
0.69
The market explains about 7.1% of its daily moves, so this beta says little about how it tracks the index — most of its movement is its own.
Annualized volatilityORDINARY
14%
How far it swings over a year, from its own realized returns.
Tactical phaseNIGHTLY READ
Neutral
Selling pressure1
Buying pressure51
Overheat8
State: neutral — No dominant short-horizon pressure in the tape.
What votes against
Data unavailableNo factor in the model currently votes against this name. That is a statement about the model's inputs today, not a claim that nothing could go wrong.
Failure modes · by company type
Data unavailableFailure modes are routed per company type, and only the bank-run and crypto-treasury rulebooks are validated so far. This name routes as bank, so there is no cohort-specific checklist to run. A generic list would read as analysis without being any.
The risk case · why not to buy8 surfaces · nightly
Suggested position capmax defensible size
3.2%tail cap binds
max defensible size 3.2% - tail binds
LowDistress screenThe distress model did not score this name in the latest run, so this surface is unmeasured rather than clear.Not scored
MedPosition size, not conviction, is the binding constrainthalf-Kelly 44.2% · tail cap 3.2% · category cap 90.1%. The tail cap binds, so 3.2% is the number (n=19,953). We show which one binds rather than the friendliest.Sizing
LowLottery-ticket behaviourNot scored for this name.Not scored
LowCash runwayNon-burner: catastrophe rate 6.1% (n=297414).Solvency
MedPost-earnings driftMove already priced: after jumps this large, measured drift edge is zero.Timing
LowDividend riskNot scored for this name.Not scored
LowRestatement historyFiling history is not deep enough to check for restatements.Not scored
LowCrowded shortNot in a warn state: the crowded-short model only publishes when short interest and thin liquidity coincide, and neither condition is met here.Not scored
Signal
2 of 8 surfaces clear.
8 surfaces checked, 2 clear. The binding constraint is position size — the tail cap is the one that binds. Each row states which surface it is and what it measured; a surface that could not be scored says so rather than counting as clear.
Who should skip it
Data unavailableNone of the skip conditions can be evaluated for this name yet — they each need a measured drawdown, beta, yield or scheduled report to key off.
Our track record14 resolved
Overall hit-rate14 RESOLVED
75%
Every call is timestamped and graded when it resolves.
Calls on IFS11 CORRECT
26
This name's own record, shown separately because a handful of calls is a small sample against the overall total.
0610-K disclosed linksREGIONAL BANKS
The wider context
5 mapped peers, 3 connections.
↳ Plain EnglishCompanies do not trade alone. This is the peer set, the supply chain that has to deliver, and the macro variables that move the stock regardless of company news.
Rate sensitivity
-11.4% per +1ppSECTOR
This is the SECTOR prior, not a measurement of this name — the regression did not clear its own bar. The verdict beside it (tailwind) comes from the prior too, so the two agree by construction rather than by evidence.
Versus peersLatest session
Peer set · 5 names
SymbolRelationshipPriceSession
MFGPeer$10.94-1.17%
HDBPeer$23.16+2.21%
MZHOFPeer$57.330.00%
IBNPeer$28.15-0.11%
USBPeer$60.06-0.32%
The mapped peer set and how each traded in the latest session. A peer moving with this name says the move is the sector's; one moving against it says the move is this company's.
Time machineHistory from 2023-06-01
Signal
3 of 4 backward windows are positive.
Look-back returns describe what happened, not what is likely. They are here to set the scale a future move would be measured on.
Macro driversRolling window
Next macro catalystIN 7 DAYS
Consumer Sentiment
2026-09-25. A scheduled release that moves this stock independently of anything the company does.
Events · what moves this stockSep 11, 2026
Initial jobless claimsUsually hurts when more people file for benefits than expected
More defaults and less borrowing.
Typical for the Regional Banks industry
On the day +0.1% · A week later +0.8% · Two weeks later +1.4% · Rose on 85 of 168 report days
Across the last 168 Initial jobless claims reports since Jun 8, 2023, IFS moved +0.1% on average on the day and was 1.4% higher two weeks later. The S&P 500 moved 0.0% on those days.
Housing startsUsually helps when more homes are started than expected
More mortgages get written.
Typical for the Financial Services sector
On the day +0.1% · A week later -0.1% · Two weeks later -0.1% · Rose on 18 of 39 report days
Across the last 39 Housing starts reports since Jun 20, 2023, IFS moved +0.1% on average on the day and was 0.1% lower two weeks later. The S&P 500 moved 0.0% on those days.
Industrial productionUsually helps when factory output comes in stronger than expected
Businesses borrow more when they are growing.
Typical for the Financial Services sector
On the day -0.5% · A week later +0.8% · Two weeks later +0.9% · Rose on 18 of 39 report days
Across the last 39 Industrial production reports since Jun 15, 2023, IFS moved -0.5% on average on the day and was 0.9% higher two weeks later. The S&P 500 moved +0.1% on those days.
Producer prices (PPI)Usually hurts when producer prices run hotter than expected
Smaller banks pay more on deposits right away but earn more on loans only slowly.
Typical for the Regional Banks industry
On the day +0.3% · A week later +1.4% · Two weeks later +1.2% · Rose on 21 of 39 report days
Across the last 39 Producer prices (PPI) reports since Jun 12, 2023, IFS moved +0.3% on average on the day and was 1.2% higher two weeks later. The S&P 500 moved +0.3% on those days.
Retail salesUsually helps when shoppers spend more than expected
More card swipes and consumer borrowing when spending is strong.
Typical for the Financial Services sector
On the day -0.5% · A week later +0.8% · Two weeks later +0.9% · Rose on 18 of 39 report days
Across the last 39 Retail sales reports since Jun 15, 2023, IFS moved -0.5% on average on the day and was 0.9% higher two weeks later. The S&P 500 moved +0.1% on those days.
Consumer sentiment (UMich) is due in 7 days.
Consumer sentiment (UMich)Usually helps when consumers feel better than expectedConfident consumers borrow more.
Typical for the Financial Services sector
On the day +0.2% · A week later +0.5% · Two weeks later +1.3% · Rose on 18 of 38 report days
Across the last 38 Consumer sentiment (UMich) reports since Jun 26, 2023, IFS moved +0.2% on average on the day and was 1.3% higher two weeks later. The S&P 500 moved 0.0% on those days.
Core PCE (the Fed's gauge) is due in 12 days.
Core PCE (the Fed's gauge)Usually hurts when inflation runs hotter than expectedSmaller banks pay more on deposits right away but earn more on loans only slowly.
Typical for the Regional Banks industry
On the day +0.2% · A week later +0.3% · Two weeks later +1.5% · Rose on 20 of 38 report days
Across the last 38 Core PCE (the Fed's gauge) reports since Jun 28, 2023, IFS moved +0.2% on average on the day and was 1.5% higher two weeks later. The S&P 500 moved +0.2% on those days.
Core inflation (core CPI)Usually hurts when inflation runs hotter than expected
Smaller banks pay more on deposits right away but earn more on loans only slowly.
Typical for the Regional Banks industry
On the day +0.2% · A week later +1.5% · Two weeks later +1.3% · Rose on 20 of 38 report days
Across the last 38 Core inflation (core CPI) reports since Jun 12, 2023, IFS moved +0.2% on average on the day and was 1.3% higher two weeks later. The S&P 500 moved +0.3% on those days.
Customer momentum
Data unavailableCustomer momentum needs listed customers that disclose a revenue dependence on this company, and none is on file. The connections below are a different map: competitors and partners, most of them curated rather than filed.
Connections3 links · none confirmed
Direct connections · 3 edges
CompanyRelationSessionProvenance
FISV · Suppliersupplier-4.28%Rumored · manual
JPM · Competitorcompetitor+0.10%Rumored · manual
MSFT · Suppliersupplier-0.80%Rumored · manual
0 of 3 edges are named in a filing; the rest come from reporting we have not matched to one yet, and are labelled as such.
Glossary · every term on this page
Survival
Altman Z
Bankruptcy-risk score. Above 3.0 is the safe band.
Piotroski F
Nine pass/fail health tests; 7 or more is strong.
Beneish M
Accrual and growth pattern screen. Clear below −2.22, watch to −1.78, elevated above; a year of very fast revenue growth lifts it by construction.
Merton DTD
Standard deviations of asset value between the company and its debt.
EDF
Default frequency calibrated on what actually happened to similar names.
Price & tape
RSI-14
Momentum gauge 0–100. Above 70 is overbought, below 30 oversold.
ATR
Average true range — the size of a typical day.
VWAP
20-day volume-weighted average price — the average paid over the last month; the page shows no intraday VWAP.
Supertrend
A trend-following stop line. A close through it flips the read.
Chandelier
A trailing stop set a few average ranges below the recent high.
Options & flow
Gamma / GEX
Dealer hedging pressure. Negative gamma amplifies moves both ways.
Call / put wall
The strikes with the heaviest open interest; they act as ceiling and floor.
Max pain
The strike where most options expire worthless.
13F · Form 4
Institutional filings, 45 days after quarter end. Insider trades, within two days.
Scoring
Composite signal
Independent factors scored and netted into one number.
Hit-rate
Share of past calls that resolved in the direction stated.
Brier score
Calibration measure. Lower means stated probabilities track reality.
HHI
Concentration 0–10,000. Above 2,500 means one segment carries the company.
EVT
Fits the tail rather than assuming a bell curve, so bad days are not understated.