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Glacier Bancorp (GBCI)
NYSE:GBCI
US Market
GBCI
Glacier Bancorp
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Glacier Bancorp (GBCI) Ratios

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Glacier Bancorp Ratios

GBCI's free cash flow for Q4 2025 was $0.74. For the 2025 fiscal year, GBCI's free cash flow was decreased by $ and operating cash flow was $0.27. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
 300.45 307.57 0.21 0.29 0.27
Quick Ratio
 300.45 307.57 0.21 0.29 0.27
Cash Ratio
 4.24 3.94 0.04 0.06 0.02
Solvency Ratio
 0.01 0.01 <0.01 0.01 0.01
Operating Cash Flow Ratio
 4.53 4.58 0.01 0.02 0.02
Short-Term Operating Cash Flow Coverage
 4.53 0.15 0.15 0.34 0.50
Net Current Asset Value
$ -19.29B$ -2.64B$ -20.03B$ -18.49B$ -18.00B
Leverage Ratios
Debt-to-Assets Ratio
 <0.01 0.09 0.14 0.16 0.11
Debt-to-Equity Ratio
 0.02 0.69 1.18 1.47 1.04
Debt-to-Capital Ratio
 0.02 0.41 0.54 0.60 0.51
Long-Term Debt-to-Capital Ratio
 0.05 0.06 0.38 0.49 0.41
Financial Leverage Ratio
 7.47 7.59 8.66 9.19 9.37
Debt Service Coverage Ratio
 0.68 0.11 0.10 0.14 0.34
Interest Coverage Ratio
 0.91 0.80 0.52 0.82 8.97
Debt to Market Cap
 0.05 0.49 0.67 0.97 0.54
Interest Debt Per Share
 3.71 25.43 37.37 43.00 27.06
Net Debt to EBITDA
 2.62 7.06 10.99 10.13 6.28
Profitability Margins
Gross Profit Margin
71.21%68.96%62.78%69.45%93.44%
EBIT Margin
24.03%22.86%18.17%23.99%39.67%
EBITDA Margin
25.91%25.60%21.52%27.32%43.58%
Operating Profit Margin
24.03%22.86%18.17%23.99%39.67%
Pretax Profit Margin
21.67%20.36%18.17%23.99%39.67%
Net Profit Margin
17.67%16.77%15.27%19.99%32.48%
Continuous Operations Profit Margin
17.67%16.77%15.27%19.99%32.48%
Net Income Per EBT
81.55%82.35%84.02%83.30%81.88%
EBT Per EBIT
90.16%89.06%100.00%100.00%100.00%
Return on Assets (ROA)
0.84%0.75%0.68%0.80%1.14%
Return on Equity (ROE)
6.83%5.67%5.90%7.38%10.66%
Return on Capital Employed (ROCE)
7.52%1.02%4.08%4.32%7.29%
Return on Invested Capital (ROIC)
4.25%0.90%2.60%2.90%5.03%
Return on Tangible Assets
0.88%0.78%0.71%0.83%1.18%
Earnings Yield
4.26%4.18%3.35%4.87%5.54%
Efficiency Ratios
Receivables Turnover
 12.29 0.07 12.55 11.80 11.17
Payables Turnover
 0.00 0.00 13.78 2.71 14.14
Inventory Turnover
 0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
 2.65 2.54 2.66 2.64 2.34
Asset Turnover
 0.05 0.04 0.04 0.04 0.04
Working Capital Turnover Ratio
 0.06 0.39 -0.08 -0.07 -0.07
Cash Conversion Cycle
 29.70 5.32K 2.62 -103.93 6.85
Days of Sales Outstanding
 29.70 5.32K 29.10 30.93 32.67
Days of Inventory Outstanding
 0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
 0.00 0.00 26.48 134.86 25.82
Operating Cycle
 29.70 5.32K 29.10 30.93 32.67
Cash Flow Ratios
Operating Cash Flow Per Share
 2.88 2.88 2.28 4.52 4.25
Free Cash Flow Per Share
 2.59 2.67 1.85 4.07 3.94
CapEx Per Share
 0.29 0.21 0.43 0.45 0.30
Free Cash Flow to Operating Cash Flow
 0.90 0.93 0.81 0.90 0.93
Dividend Paid and CapEx Coverage Ratio
 1.87 1.97 1.30 2.55 2.46
Capital Expenditure Coverage Ratio
 9.94 13.95 5.34 10.11 13.94
Operating Cash Flow Coverage Ratio
 4.53 0.13 0.07 0.11 0.16
Operating Cash Flow to Sales Ratio
 0.25 0.26 0.21 0.45 0.50
Free Cash Flow Yield
5.38%6.07%3.69%9.85%7.98%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 23.76 23.95 29.89 20.55 18.05
Price-to-Sales (P/S) Ratio
 4.20 4.02 4.56 4.11 5.86
Price-to-Book (P/B) Ratio
 1.49 1.36 1.76 1.52 1.93
Price-to-Free Cash Flow (P/FCF) Ratio
 18.82 16.47 27.09 10.15 12.53
Price-to-Operating Cash Flow Ratio
 16.92 15.29 22.03 9.15 11.63
Price-to-Earnings Growth (PEG) Ratio
 1.43 1.26 -1.82 -0.77 -3.99
Price-to-Fair Value
 1.49 1.36 1.76 1.52 1.93
Enterprise Value Multiple
 15.52 22.74 32.20 25.16 19.74
Enterprise Value
 7.29B 8.30B 8.63B 7.67B 8.03B
EV to EBITDA
 18.64 22.74 32.20 25.16 19.74
EV to Sales
 4.83 5.82 6.93 6.87 8.60
EV to Free Cash Flow
 21.64 23.88 41.14 16.99 18.37
EV to Operating Cash Flow
 19.46 22.17 33.44 15.31 17.06
Tangible Book Value Per Share
 21.30 21.01 18.74 18.07 16.40
Shareholders’ Equity Per Share
 32.67 32.43 28.49 27.24 25.67
Tax and Other Ratios
Effective Tax Rate
 0.18 0.18 0.16 0.17 0.18
Revenue Per Share
 11.60 10.97 11.00 10.06 8.43
Net Income Per Share
 2.05 1.84 1.68 2.01 2.74
Tax Burden
 0.82 0.82 0.84 0.83 0.82
Interest Burden
 0.90 0.89 1.00 1.00 1.00
Research & Development to Revenue
 0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
 0.32 0.32 0.31 0.31 0.36
Stock-Based Compensation to Revenue
 <0.01 <0.01 <0.01 <0.01 <0.01
Income Quality
 1.57 1.57 1.36 2.25 1.55
Currency in USD