Glacier Bancorp (GBCI) AI Stock Analysis

• Market Cap: $5.47B
• Dividend Yield: 2.82%
• Average Volume (3M): 703.32K
• Price to Earnings (P/E): 24.0
• Beta (1Y): 1.07
• Revenue Growth: 8.37%
• EPS Growth: 17.00%
• Country: US
• Employees: 3,457
• Sector: Financial
• Sector Strength: 71
• Industry: Banks - Regional
• EPS (TTM): 0.45
• Shares Outstanding: 118,551,410
• 10 Day Avg. Volume: 674,621
• 30 Day Avg. Volume: 703,324
• PEG Ratio: N/A
• Price to Book (P/B): 0.00
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 0.00
• Enterprise Value/Market Cap: 1.49
• Enterprise Value/Revenue: 6.49
• Enterprise Value/Gross Profit: 10.11
• Enterprise Value/Ebitda: 27.62
• 1Y Price Target: $49.67
• Price Target Upside: 7.60% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 6

• Rating: 74 Outperform
• Price Target: $51.00 ▲(10.49% Upside)

Glacier Bancorp's strong financial performance and positive earnings call sentiment are the primary drivers of its stock score. The company's strategic acquisitions and robust growth in loans and deposits further support its outlook. Technical analysis presents mixed signals, while valuation metrics suggest the stock is fairly valued. Overall, the stock is positioned well for future growth, with some areas requiring careful monitoring.

Positive Factors

Earnings Potential

Improving EPS outlook, controlled credit costs, and future acquisitions could result in a 16% price appreciation.

Growth Potential

The deal helps to highlight that GBCI has a long runway to grow organically and via M&A.

Negative Factors

Financial Performance

The stock has traded lower following an updated outlook for 2025 that included potentially slower organic loan growth and higher run-rate for non-interest expenses.

Glacier Bancorp Business Overview & Revenue Model

Company Description

Glacier Bancorp, Inc. (GBCI) is a bank holding company based in Kalispell, Montana, primarily engaged in providing a wide range of banking and financial services through its network of community banks. The company operates in several states across the western United States, serving individuals, businesses, and governmental entities. Its core products and services include commercial and consumer banking, mortgage lending, investment services, and wealth management, enabling it to cater to diverse customer needs while fostering local economic growth.

How the Company Makes Money

Glacier Bancorp generates revenue primarily through interest income earned from loans and investments, as well as non-interest income from service fees and other banking activities. The key revenue streams include interest from commercial loans, residential mortgages, and consumer loans, which contribute significantly to the company's earnings. Additionally, non-interest income from services like wealth management, investment advisory, and transaction fees further bolsters revenue. The company's strategic growth through acquisitions of smaller community banks has expanded its market reach and customer base, enhancing its ability to generate income. Partnerships with local businesses and governments also enable GBCI to offer tailored financial solutions, driving additional revenue.

Glacier Bancorp Financial Statement Overview

Summary

Glacier Bancorp's financial performance is solid, with strong revenue growth and excellent cash flow management. However, the net profit margin and return on equity indicate areas for improvement, and increasing debt levels should be monitored.

Income Statement

Glacier Bancorp's income statement reflects a stable financial performance with consistent revenue growth over the years. The TTM gross profit margin is approximately 71.6%, indicating strong profitability. However, the net profit margin is relatively lower at 18.7%, which suggests some efficiency issues in managing costs. The EBIT margin for TTM stands at 42.7%, showcasing solid operating performance, while EBITDA margin is notably lower at 17.7%. Revenue growth from 2023 to 2024 was significant at 44.4%, highlighting robust growth, although revenue slightly declined in TTM compared to 2024, indicating potential revenue fluctuation concerns.

Balance Sheet

The balance sheet of Glacier Bancorp shows a reasonable financial position with a debt-to-equity ratio of 1.09 for TTM, indicating moderate leverage. The equity ratio is 11.8%, suggesting a relatively low equity cushion against liabilities. Return on Equity (ROE) for the TTM period is 6.5%, reflecting modest efficiency in generating returns on shareholders’ equity. The increase in total debt over time may be a potential risk factor, which needs monitoring.

Cash Flow

Glacier Bancorp has demonstrated a strong cash flow position with an impressive free cash flow growth rate of 49.3% from 2023 to 2024. The operating cash flow to net income ratio of 1.66 indicates excellent cash generation efficiency from operations. Additionally, the free cash flow to net income ratio of 1.48 suggests substantial free cash flow relative to net income, further reinforcing the company's strong cash flow management.

Breakdown	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	1.25B	1.12B	933.37M	812.73M	790.08M
Gross Profit	781.72M	774.64M	872.14M	771.10M	723.00M
EBITDA	267.97M	304.75M	406.77M	381.48M	358.83M
Net Income	190.14M	222.93M	303.20M	284.76M	266.40M
Balance Sheet
Total Assets	27.90B	27.74B	26.64B	25.94B	18.50B
Cash, Cash Equivalents and Short-Term Investments	4.51B	6.14B	5.71B	9.61B	5.97B
Total Debt	3.79B	4.44B	2.96B	1.20B	1.18B
Total Liabilities	24.68B	24.72B	23.79B	22.76B	16.20B
Stockholders Equity	3.22B	3.02B	2.84B	3.18B	2.31B
Cash Flow
Free Cash Flow	209.76M	451.43M	436.90M	562.61M	177.83M
Operating Cash Flow	258.04M	500.71M	470.66M	572.05M	189.54M
Investing Cash Flow	493.14M	-207.49M	-1.35B	-3.91B	-3.56B
Financing Cash Flow	-1.26B	659.12M	845.43M	3.14B	3.68B

Glacier Bancorp Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 46.16
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: Negative

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For GBCI, the sentiment is Positive. The current price of 46.16 is above the 20-day moving average (MA) of 44.91, above the 50-day MA of 43.98, and below the 200-day MA of 46.53, indicating a neutral trend. The MACD of 0.28 indicates Negative momentum. The RSI at 57.35 is Neutral, neither overbought nor oversold. The STOCH value of 92.35 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for GBCI.

Glacier Bancorp Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
FNB	74 Outperform	$5.74B	12.41	7.40%	3.00%	7.73%	8.39%
GBCI	74 Outperform	$5.47B	23.97	6.60%	2.82%	8.37%	17.00%
COLB	74 Outperform	$5.50B	10.38	10.24%	5.51%	-1.39%	11.31%
VLY	74 Outperform	$5.46B	12.48	6.33%	4.37%	0.20%	9.86%
UBSI	71 Outperform	$5.34B	13.33	7.71%	3.92%	7.80%	6.87%
FFIN	66 Neutral	$5.21B	21.26	15.09%	2.00%	14.53%	21.78%
Sector *	58 Neutral	HK$111.71B	6.60	-4.20%	3.95%	9.04%	-46.99%

Glacier Bancorp Corporate Events

Glacier Bancorp Announces Merger with Guaranty Bancshares

On June 24, 2025, Glacier Bancorp, Inc. and its subsidiary Glacier Bank entered into a merger agreement with Guaranty Bancshares, Inc. and its subsidiary Guaranty Bank & Trust. The merger will result in Guaranty Bancshares merging into Glacier Bancorp, with Glacier Bancorp as the surviving entity, and Guaranty Bank merging into Glacier Bank. The transaction is valued at approximately $476.2 million and is expected to close in the fourth quarter of 2025, subject to regulatory and shareholder approvals. This merger aims to enhance Glacier Bancorp’s market position and expand its operational capabilities.

The most recent analyst rating on (GBCI) stock is a Buy with a $60.00 price target. To see the full list of analyst forecasts on Glacier Bancorp stock, see the GBCI Stock Forecast page.

Glacier Bancorp Announces Merger with Guaranty Bancshares

On June 24, 2025, Glacier Bancorp, Inc. and Guaranty Bancshares, Inc. announced a merger agreement where Glacier will acquire Guaranty in an all-stock transaction valued at approximately $476.2 million. This acquisition will enable Glacier to expand its presence into Texas, marking its 27th acquisition since 2000. The merger is expected to close in the fourth quarter of 2025, subject to regulatory and shareholder approvals. The transaction will create a new banking division under the name ‘Guaranty Bank & Trust, Division of Glacier Bank,’ enhancing Glacier’s strategic growth in the Southwest and providing Guaranty with a larger balance sheet and resources to invest in technology and products.

The most recent analyst rating on (GBCI) stock is a Hold with a $39.00 price target. To see the full list of analyst forecasts on Glacier Bancorp stock, see the GBCI Stock Forecast page.