Glacier Bancorp (GBCI) AI Stock Analysis

• Market Cap: $5.31B
• Dividend Yield: 3.19%
• Average Volume (3M): 1.11M
• Price to Earnings (P/E): 20.0
• Beta (1Y): 1.04
• Revenue Growth: 8.73%
• EPS Growth: 26.19%
• Country: US
• Employees: 3,457
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.57
• Shares Outstanding: 129,941,360
• 10 Day Avg. Volume: 983,017
• 30 Day Avg. Volume: 1,108,040
• PEG Ratio: -1.82
• Price to Book (P/B): 1.76
• Price to Sales (P/S): 4.56
• P/FCF Ratio: 27.09
• Enterprise Value/Market Cap: 1.63
• Enterprise Value/Revenue: 6.47
• Enterprise Value/Gross Profit: 9.76
• Enterprise Value/Ebitda: 26.94
• 1Y Price Target: $53.67
• Price Target Upside: 29.89% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 3
• EPS Forecast (FY): 2.1
• Revenue Forecast (FY): $1.03B

• Rating: 69 Neutral
• Price Target: $45.00 ▲(8.91% Upside)

Glacier Bancorp's overall stock score is driven by strong financial performance and positive earnings call insights, indicating robust growth and strategic expansion. However, technical analysis suggests bearish momentum, which tempers the overall score.

Positive Factors

Revenue Growth

The significant increase in net income and revenue growth indicates strong market demand and effective business strategies, supporting long-term financial health.

Expansion Through Acquisitions

Strategic acquisitions enhance market presence and asset base, providing opportunities for revenue diversification and long-term growth.

Strong Capital Position

A strong capital position with low nonperforming assets ensures financial stability and resilience, enabling sustained growth and risk management.

Negative Factors

Increased Non-Interest Expenses

Rising non-interest expenses could pressure profitability margins, potentially impacting long-term cost management and efficiency.

Challenges in the Agricultural Sector

Challenges in the agricultural sector may affect loan performance and revenue from this segment, posing risks to growth in affected regions.

Decline in Free Cash Flow Growth

A decline in free cash flow growth may limit the company's ability to invest in new opportunities and manage debt, affecting long-term financial flexibility.

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 shows strong financial performance with consistent revenue growth and efficient cash flow management. However, profitability metrics like return on equity could be improved, and there is a decline in profit margins from previous highs.

Income Statement

Glacier Bancorp has demonstrated consistent revenue growth with a TTM revenue growth rate of 2.71%. The gross profit margin is strong at 64.41%, and the net profit margin is healthy at 17.03%. However, there is a noticeable decline from previous years' higher margins. The EBIT and EBITDA margins are stable, indicating efficient operations. Overall, the income statement reflects a solid performance with room for improvement in profitability.

Balance Sheet

The balance sheet shows a moderate debt-to-equity ratio of 0.99, which is an improvement from previous years, indicating better leverage management. The return on equity is relatively low at 6.62%, suggesting limited profitability from shareholders' equity. The equity ratio stands at 12.19%, indicating a stable capital structure. While the company has improved its leverage, profitability remains a concern.

Cash Flow

The cash flow statement is strong, with a significant free cash flow growth rate of 8.85% in the TTM period. The operating cash flow to net income ratio is robust at 6.33, indicating efficient cash generation relative to net income. The free cash flow to net income ratio is also healthy at 0.89. Overall, the cash flow position is solid, supporting the company's operations and potential growth.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	1.33B	1.25B	1.12B	933.37M	812.73M	790.08M
Gross Profit	884.63M	781.72M	774.64M	872.14M	771.10M	723.00M
EBITDA	320.59M	267.97M	304.75M	406.77M	381.48M	358.83M
Net Income	237.00M	190.14M	222.93M	303.20M	284.76M	266.40M
Balance Sheet
Total Assets	29.02B	27.90B	27.74B	26.64B	25.94B	18.50B
Cash, Cash Equivalents and Short-Term Investments	4.23B	4.55B	6.14B	5.71B	9.61B	5.97B
Total Debt	59.77M	3.79B	4.44B	2.96B	1.20B	1.18B
Total Liabilities	25.41B	24.68B	24.72B	23.79B	22.76B	16.20B
Stockholders Equity	3.61B	3.22B	3.02B	2.84B	3.18B	2.31B
Cash Flow
Free Cash Flow	331.96M	209.76M	451.43M	436.90M	562.61M	177.83M
Operating Cash Flow	352.90M	258.04M	500.71M	470.66M	572.05M	189.54M
Investing Cash Flow	375.79M	493.14M	-207.49M	-1.35B	-3.91B	-3.56B
Financing Cash Flow	-297.26M	-1.26B	659.12M	845.43M	3.14B	3.68B

Glacier Bancorp Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 41.32
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For GBCI, the sentiment is Negative. The current price of 41.32 is below the 20-day moving average (MA) of 43.49, below the 50-day MA of 46.47, and below the 200-day MA of 44.52, indicating a bearish trend. The MACD of -1.63 indicates Positive momentum. The RSI at 35.61 is Neutral, neither overbought nor oversold. The STOCH value of 31.79 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for GBCI.

Glacier Bancorp Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
COLB	75 Outperform	$7.93B	11.94	7.32%	5.45%	-0.27%	-3.80%
OZK	73 Outperform	$5.04B	7.16	12.35%	3.97%	2.79%	2.11%
FNB	72 Outperform	$5.63B	11.25	7.87%	3.04%	4.54%	27.56%
HOMB	72 Outperform	$5.31B	11.70	11.20%	2.90%	1.43%	19.58%
GBCI	69 Neutral	$5.31B	19.95	6.92%	3.19%	8.73%	26.19%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
VLY	66 Neutral	$6.01B	12.23	7.07%	4.34%	-1.94%	41.35%

Glacier Bancorp Corporate Events

Glacier Bancorp Completes Acquisition of Bank of Idaho

On April 30, 2025, Glacier Bancorp completed the acquisition of Bank of Idaho Holding Co., enhancing its market position in Idaho and Eastern Washington. This strategic move positions Glacier as the third-largest bank in Idaho by deposit market share and strengthens its presence in several top growth markets in the United States.

The most recent analyst rating on (GBCI) stock is a Hold with a $50.00 price target. To see the full list of analyst forecasts on Glacier Bancorp stock, see the GBCI Stock Forecast page.

Glacier Bancorp’s Earnings Call: Strong Growth Amid Challenges

Glacier Bancorp’s recent earnings call painted a picture of robust financial health, marked by significant net income growth and successful strategic acquisitions. The company showcased strong loan and deposit growth, although it faced some challenges, particularly in the agricultural sector. Despite these hurdles, the overall sentiment was positive, reflecting a favorable outlook for the future.

Glacier Bancorp Reports Strong Q3 2025 Earnings Growth

Glacier Bancorp, Inc., a financial services company operating in the banking sector, provides a range of banking products and services across its nine-state footprint in the United States.

Glacier Bancorp Completes Acquisition of Guaranty Bancshares

On October 1, 2025, Glacier Bancorp, Inc. completed its acquisition of Guaranty Bancshares, Inc., expanding its operations with a new division, Guaranty Bank & Trust, Division of Glacier Bank, across 33 locations in Texas. This strategic move enhances Glacier’s market presence in key Texas regions, potentially impacting stakeholders by integrating operations and expanding its customer base.

The most recent analyst rating on (GBCI) stock is a Hold with a $55.00 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 and its subsidiary Glacier Bank entered into a merger agreement with Guaranty Bancshares and its subsidiary Guaranty Bank & Trust. This merger, with Glacier as the surviving entity, aims to enhance Glacier’s market position. Despite receiving demand letters from Guaranty shareholders alleging insufficient disclosures, both companies deny these claims but have agreed to provide additional disclosures to address concerns. The merger is expected to be accretive to Glacier’s earnings per share by 2026 and 2027, although it may slightly dilute the tangible book value per share at closing.

The most recent analyst rating on (GBCI) stock is a Hold with a $55.00 price target. To see the full list of analyst forecasts on Glacier Bancorp stock, see the GBCI Stock Forecast page.

Glacier Bancorp Completes Acquisition of Bank of Idaho

On August 15, 2025, Glacier Bancorp announced the completion of its acquisition of Bank of Idaho Holding Co., a move that strengthens its market position in Idaho and Eastern Washington. The acquisition, finalized on April 30, 2025, aligns with Glacier’s strategy to expand in high-growth markets and positions it as the third-largest bank in Idaho by deposit market share. This strategic acquisition is expected to enhance Glacier’s competitive edge and operational footprint in the region.

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.