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Glacier Bancorp (GBCI)
NYSE:GBCI
US Market
GBCI
Glacier Bancorp
RESEARCH TOOLSreports

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
 307.57 307.57 0.21 0.29 0.27
Quick Ratio
 307.57 307.57 0.21 0.29 0.27
Cash Ratio
 3.94 3.94 0.04 0.06 0.02
Solvency Ratio
 0.01 0.01 <0.01 0.01 0.01
Operating Cash Flow Ratio
 4.58 4.58 0.01 0.02 0.02
Short-Term Operating Cash Flow Coverage
 0.15 0.15 0.15 0.34 0.50
Net Current Asset Value
$ -2.64B$ -2.64B$ -20.03B$ -18.49B$ -18.00B
Leverage Ratios
Debt-to-Assets Ratio
 0.09 0.09 0.14 0.16 0.11
Debt-to-Equity Ratio
 0.69 0.69 1.18 1.47 1.04
Debt-to-Capital Ratio
 0.41 0.41 0.54 0.60 0.51
Long-Term Debt-to-Capital Ratio
 0.06 0.06 0.38 0.49 0.41
Financial Leverage Ratio
 7.59 7.59 8.66 9.19 9.37
Debt Service Coverage Ratio
 0.11 0.11 0.10 0.14 0.34
Interest Coverage Ratio
 0.80 0.80 0.52 0.82 8.97
Debt to Market Cap
 0.47 0.49 0.67 0.97 0.54
Interest Debt Per Share
 25.43 25.43 37.37 43.00 27.06
Net Debt to EBITDA
 7.06 7.06 10.99 10.13 6.28
Profitability Margins
Gross Profit Margin
68.96%68.96%62.78%69.45%93.44%
EBIT Margin
22.86%22.86%18.17%23.99%39.67%
EBITDA Margin
25.60%25.60%21.52%27.32%43.58%
Operating Profit Margin
22.86%22.86%18.17%23.99%39.67%
Pretax Profit Margin
20.36%20.36%18.17%23.99%39.67%
Net Profit Margin
16.77%16.77%15.27%19.99%32.48%
Continuous Operations Profit Margin
16.77%16.77%15.27%19.99%32.48%
Net Income Per EBT
82.35%82.35%84.02%83.30%81.88%
EBT Per EBIT
89.06%89.06%100.00%100.00%100.00%
Return on Assets (ROA)
0.75%0.75%0.68%0.80%1.14%
Return on Equity (ROE)
6.53%5.67%5.90%7.38%10.66%
Return on Capital Employed (ROCE)
1.02%1.02%4.08%4.32%7.29%
Return on Invested Capital (ROIC)
0.90%0.90%2.60%2.90%5.03%
Return on Tangible Assets
0.78%0.78%0.71%0.83%1.18%
Earnings Yield
3.88%4.18%3.35%4.87%5.54%
Efficiency Ratios
Receivables Turnover
 0.07 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
 2.54 2.54 2.66 2.64 2.34
Asset Turnover
 0.04 0.04 0.04 0.04 0.04
Working Capital Turnover Ratio
 0.48 0.39 -0.08 -0.07 -0.07
Cash Conversion Cycle
 5.32K 5.32K 2.62 -103.93 6.85
Days of Sales Outstanding
 5.32K 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
 5.32K 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
 0.13 0.13 0.07 0.11 0.16
Operating Cash Flow to Sales Ratio
 0.26 0.26 0.21 0.45 0.50
Free Cash Flow Yield
5.47%6.07%3.69%9.85%7.98%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 25.08 23.95 29.89 20.55 18.05
Price-to-Sales (P/S) Ratio
 4.21 4.02 4.56 4.11 5.86
Price-to-Book (P/B) Ratio
 1.42 1.36 1.76 1.52 1.93
Price-to-Free Cash Flow (P/FCF) Ratio
 17.81 16.47 27.09 10.15 12.53
Price-to-Operating Cash Flow Ratio
 16.01 15.29 22.03 9.15 11.63
Price-to-Earnings Growth (PEG) Ratio
 -10.39 1.26 -1.82 -0.77 -3.99
Price-to-Fair Value
 1.42 1.36 1.76 1.52 1.93
Enterprise Value Multiple
 23.49 22.74 32.20 25.16 19.74
Enterprise Value
 8.73B 8.30B 8.63B 7.67B 8.03B
EV to EBITDA
 23.93 22.74 32.20 25.16 19.74
EV to Sales
 6.13 5.82 6.93 6.87 8.60
EV to Free Cash Flow
 25.94 23.88 41.14 16.99 18.37
EV to Operating Cash Flow
 23.33 22.17 33.44 15.31 17.06
Tangible Book Value Per Share
 21.01 21.01 18.74 18.07 16.40
Shareholders’ Equity Per Share
 32.43 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
 10.97 10.97 11.00 10.06 8.43
Net Income Per Share
 1.84 1.84 1.68 2.01 2.74
Tax Burden
 0.82 0.82 0.84 0.83 0.82
Interest Burden
 0.89 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