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Glacier Bancorp (GBCI)
NYSE:GBCI
Earnings Data
Report Date
Apr 16, 2026After Close (Confirmed)
Period Ending
2026 (Q1)Consensus EPS Forecast
0.65Last Year’s EPS
0.48Same Quarter Last Year
Strong Buy
Based on 3 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
Overall the call communicated strong growth and margin recovery driven by large, strategic acquisitions, record asset growth, meaningful increases in net interest income and pretax pre-provision revenue, improving efficiency and solid credit metrics. Headwinds are largely near-term and acquisition-related: elevated noninterest expense, some deposit-cost and NPA noise, and seasonally slow organic loan growth in the quarter. Management provided clear guidance and catalysts (securities cash flow, FHLB paydown, asset repricing, and expected cost saves) that support further margin and efficiency improvement.Company Guidance
Strategic Acquisitions and Expanded Footprint
Closed two acquisitions in 2025 (Bank of Idaho in April and Guaranty Bank & Trust in October), representing the largest acquisition year in company history with over $4.7 billion acquired (vs. $4.1 billion in 2021). Guaranty conversion planned for February; Guaranty expected to contribute meaningfully and integration described as seamless.
Record Total Assets
Total assets exceeded $30 billion in the quarter and ended the year at a record $32 billion.
Strong Net Income and EPS Growth
Net income for 2025 was $239.0 million, up $48.9 million or 26% year-over-year. Diluted EPS for 2025 was $1.99, up $0.31 or 18% year-over-year. Quarterly net income was $63.8 million (quarter included $36 million acquisition-related expenses).
Large Increase in Pretax Pre-Provision Net Revenue
Pretax pre-provision net revenues of $362 million for 2025 increased $107 million or 42% year-over-year.
Net Interest Income and Margin Expansion
Net interest income was $266 million for the quarter (+$41 million or 18% vs prior quarter) and $889 million for 2025 (+$184 million or 26% YoY). Quarterly net interest margin (tax-equivalent) was 3.58%, up 19 basis points vs prior quarter and up 61 basis points vs prior year quarter; loan yield was 6.09% (↑12 bps qtr, ↑37 bps YoY). Management expects to reach ~4.0% NIM in 2026 (likely H2) and sees potential further expansion in 2027.
Strong Loan and Deposit Growth
Loan portfolio ended 2025 at $21.0 billion, up $2.0 billion or 11% from the prior quarter and up $3.7 billion or 21% for the year. Total deposits were $24.6 billion, up $2.7 billion or 12% from the prior quarter and up $4.0 billion or 20% for 2025.
Improving Funding and Yield Drivers
Total earning asset yield was 5.00% (↑14 bps qtr, ↑43 bps YoY). Total cost of funding (including noninterest-bearing deposits) was 1.52% (↓6 bps qtr, ↓19 bps YoY). Management expects remaining FHLB advances (~$440 million) to be repaid in Q1 2026 and ~ $425 million of securities cash flow per quarter in 2026 to support redeployment.
Credit Quality and Capital Strength
Nonperforming assets remained low at 22 basis points of total assets (slight increase driven by the Guaranty acquisition). Net charge-offs were 6 bps of total loans for 2025 (improved from 8 bps prior year). Allowance for credit losses is 1.22% of total loans. Tangible stockholders' equity increased $609 million or 29% in 2025; tangible book value per share rose to $21 (↑12% YoY).
Efficiency and Shareholder Returns
Efficiency ratio improved from 66.7% at the beginning of 2025 to 63% for the year; management targets mid-50s (54%–55%) in 2026. Declared 163rd consecutive quarterly dividend of $0.33 per share.
GBCI Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
GBCI Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
Jan 22, 2026 | $49.87 | $48.00 | -3.75% |
Oct 16, 2025 | $44.70 | $43.60 | -2.46% |
Jul 24, 2025 | $43.92 | $44.66 | +1.68% |
Apr 24, 2025 | $41.70 | $39.93 | -4.24% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
FAQ
When does Glacier Bancorp (GBCI) report earnings?
Glacier Bancorp (GBCI) is schdueled to report earning on Apr 16, 2026, After Close (Confirmed).
What is Glacier Bancorp (GBCI) earnings time?
Glacier Bancorp (GBCI) earnings time is at Apr 16, 2026, After Close (Confirmed).
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is GBCI EPS forecast?
GBCI EPS forecast for the fiscal quarter 2026 (Q1) is 0.65.