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Glacier Bancorp (GBCI)
NYSE:GBCI
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Glacier Bancorp
(NYSE:GBCI)
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Rating:74Outperform
Price Target:
$47.00
â–²(3.00% Upside)
Glacier Bancorp's strong financial performance and positive earnings call sentiment are the primary drivers of its stock score. The company's robust balance sheet and strategic acquisitions further enhance its outlook. While technical indicators suggest caution, the overall valuation and dividend yield provide a balanced investment case.
Positive Factors
Revenue Growth
Consistent revenue growth indicates strong market demand and effective business strategies, supporting long-term financial stability.
Strategic Acquisitions
Strategic acquisitions enhance market presence and customer base, providing growth opportunities and competitive advantages.
Balance Sheet Strength
A robust balance sheet with low leverage ensures financial stability and flexibility to pursue growth initiatives.
Negative Factors
Increased Non-Interest Expenses
Rising non-interest expenses can pressure profitability, potentially impacting margins and financial performance over time.
Challenges in Agricultural Sector
Sector-specific challenges may affect loan performance and risk management, impacting overall financial health.
Decline in Free Cash Flow Growth
A decline in free cash flow growth can limit the company's ability to invest in growth opportunities and manage financial obligations.
Glacier Bancorp (GBCI) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$5.93B
Dividend Yield2.89%
Average Volume (3M)733.10K
Price to Earnings (P/E)22.3
Beta (1Y)0.85
Revenue Growth8.73%
EPS Growth26.19%
CountryUS
Employees3,457
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.57
Shares Outstanding129,941,360
10 Day Avg. Volume859,269
30 Day Avg. Volume733,099
Financial Highlights & Ratios
PEG Ratio-1.82
Price to Book (P/B)1.76
Price to Sales (P/S)4.56
P/FCF Ratio27.09
Enterprise Value/Market Cap1.46
Enterprise Value/Revenue6.47
Enterprise Value/Gross Profit9.76
Enterprise Value/Ebitda26.94
Forecast
1Y Price Target
$56.50Price Target Upside23.82% Upside
Rating ConsensusStrong Buy
Number of Analyst Covering4
EPS Forecast (FY)2
Revenue Forecast (FY)$1.04B
Glacier Bancorp Business Overview & Revenue Model
Company DescriptionGlacier Bancorp, Inc. (GBCI) is a regional bank holding company based in Kalispell, Montana, that operates through its wholly-owned banking subsidiaries across the western United States. The company primarily serves retail and commercial clients by providing a wide range of financial services, including traditional banking products such as checking and savings accounts, loans, mortgages, and wealth management services. Glacier Bancorp focuses on building long-lasting relationships with its customers and communities, offering personalized banking solutions tailored to meet their needs.
How the Company Makes MoneyGlacier Bancorp generates revenue primarily through the interest income earned on loans and other financial products it offers to customers. This includes commercial loans, residential mortgages, and consumer loans, which typically yield higher interest rates compared to deposits. The company also earns non-interest income from service charges on deposit accounts, fees for wealth management and investment advisory services, and transaction fees. Additionally, Glacier Bancorp benefits from a diverse funding base, including retail and commercial deposits, which provide a stable source of low-cost capital for lending activities. Strategic partnerships with local businesses and community organizations further enhance its market presence and contribute to customer acquisition, thereby supporting its overall revenue generation efforts.
Glacier Bancorp Earnings Call Summary
Earnings Call Date:Oct 16, 2025
(Q3-2025)
| % Change Since: |
Next Earnings Date:Jan 22, 2026
Earnings Call Sentiment Positive
Glacier Bancorp delivered a strong financial performance with significant net income growth, successful acquisitions, and robust loan and deposit growth. However, the company faced increased non-interest expenses and some challenges in the agricultural sector. Overall, the positive financial metrics and strategic expansion indicate a favorable outlook.Q3-2025 Updates
Positive Updates
Strong Financial Performance
Glacier Bancorp reported net income of $67.9 million or $0.57 per diluted share for the third quarter, marking a 29% increase from the prior quarter and a 33% increase compared to the same quarter last year.
Expansion Through Acquisitions
The company completed the core conversion of the Bank of Idaho and successfully closed the acquisition of Guaranty Bank and Trust, adding $3.1 billion in assets and expanding its presence into Texas.
Loan and Deposit Growth
Loan portfolio grew by $258 million to $18.8 billion, an annualized growth of 6%. Deposits increased to $22 billion, up 4% annualized from the last quarter.
Net Interest Margin Expansion
Net interest income increased by $18 million or 9% from the prior quarter and 25% year-over-year. The net interest margin expanded to 3.39%, up 18 basis points from the prior quarter and 56 basis points year-over-year.
Credit Quality and Capital Position
Nonperforming assets remained low at 0.19% of total assets, and net charge-offs were $2.9 million for the quarter. The company maintained a strong capital position with tangible stockholders' equity increasing by $34 million or 14%.
Negative Updates
Increased Non-Interest Expenses
Non-interest expense rose to $168 million, up $13 million or 8% from the second quarter, largely due to increased costs from acquisitions.
Elevated Tax Rate
The tax rate appeared elevated, primarily due to merger-related expenses, some of which are nondeductible.
Challenges in the Agricultural Sector
The agricultural sector faced pressures due to depressed grain and hay prices, although the company is managing this with a conservative approach.
Company Guidance
During Glacier Bancorp, Inc.'s third quarter earnings call, the company provided a comprehensive overview of its financial performance and strategic initiatives. The bank reported a net income of $67.9 million, or $0.57 per diluted share, marking a 29% increase from the previous quarter and a 33% increase compared to the same quarter last year. The company's net interest income rose to $225 million, reflecting a 9% increase from the prior quarter and a 25% rise year-over-year, while the net interest margin expanded to 3.39%, up 18 basis points from the prior quarter and 56 basis points from the previous year. Loan portfolio growth was robust, with an increase of $258 million, or 6% annualized, reaching $18.8 billion, driven primarily by commercial real estate. Deposits also grew to $22 billion, with non-interest-bearing deposits representing 31% of the total. The acquisition of Guaranty Bank and Trust added $3.1 billion in assets and expanded the bank's presence into Texas, with a successful core conversion of Bank of Idaho also contributing to the bank's strategic goals. Glacier Bancorp maintained strong credit quality with nonperforming assets at 0.19% of total assets and a solid capital position, highlighted by a tangible book value per share increase to $20.46. Looking forward, the company anticipates further margin growth, albeit at a moderated pace, with a focus on successful integration and expansion within new markets.Glacier Bancorp Financial Statement Overview
Summary
Glacier Bancorp shows strong financial health with consistent revenue growth and solid profitability margins. The balance sheet is robust with low leverage, enhancing financial stability. However, cash flow metrics indicate some areas for improvement.Income Statement
Glacier Bancorp has demonstrated consistent revenue growth with a TTM revenue growth rate of 3.25%. The gross profit margin has remained strong at 66.29% for TTM, indicating efficient cost management. However, the net profit margin has slightly decreased to 17.76% in TTM, reflecting some pressure on profitability. The EBIT and EBITDA margins are stable, suggesting solid operational performance.78
Positive
Balance Sheet
The company's balance sheet is robust, with a low debt-to-equity ratio of 0.017 in TTM, indicating low leverage and financial stability. The return on equity is moderate at 6.94%, showing decent profitability from shareholder equity. The equity ratio is healthy, reflecting a strong capital structure.82
Very Positive
Cash Flow
Cash flow analysis reveals a decline in free cash flow growth by 4.68% in TTM, which could be a concern. However, the operating cash flow to net income ratio is strong at 5.90, indicating efficient cash generation relative to net income. The free cash flow to net income ratio is also solid at 0.94, suggesting effective cash management.70
Positive
| 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 | 4.74B | 4.55B | 6.14B | 5.71B | 9.61B | 5.97B |
| Total Debt | 3.18B | 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 | 312.14M | 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 | -862.28M | -1.26B | 659.12M | 845.43M | 3.14B | 3.68B |
Glacier Bancorp Technical Analysis
Positive
45.63
Price Trends
42.82
Positive
44.82
Positive
43.40
Positive
Market Momentum
0.74
Negative
66.03
Neutral
86.83
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 45.63 is above the 20-day moving average (MA) of 43.23, above the 50-day MA of 42.82, and above the 200-day MA of 43.40, indicating a bullish trend. The MACD of 0.74 indicates Negative momentum. The RSI at 66.03 is Neutral, neither overbought nor oversold. The STOCH value of 86.83 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for GBCI.
Glacier Bancorp Risk Analysis
Glacier Bancorp disclosed 28 risk factors in its most recent earnings report. Glacier Bancorp reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
Glacier Bancorp Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
77 Outperform | $8.63B | 12.98 | 7.32% | 5.03% | -0.30% | -3.80% | |
77 Outperform | $5.56B | 12.32 | 11.20% | 2.83% | 1.43% | 19.58% | |
75 Outperform | $6.36B | 12.70 | 7.87% | 2.70% | 4.54% | 27.56% | |
74 Outperform | $5.93B | 22.28 | 6.92% | 2.89% | 8.73% | 26.19% | |
73 Outperform | $6.70B | 13.69 | 7.07% | 3.66% | -1.94% | 41.35% | |
70 Outperform | $5.36B | 7.63 | 12.35% | 3.62% | 2.79% | 2.11% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
* Financial Sector Average
GBCI
Glacier Bancorp
45.63
-3.31
-6.76%
OZK
Bank OZK
47.28
5.12
12.14%
COLB
Columbia Banking System
28.85
3.12
12.13%
FNB
F.N.B.
17.76
3.71
26.41%
HOMB
Home Bancshares
28.45
1.13
4.14%
VLY
Valley National Bancorp
12.02
3.26
37.21%
Glacier Bancorp Corporate Events
M&A TransactionsBusiness Operations and Strategy
Glacier Bancorp Completes Acquisition of Bank of Idaho
Positive
Oct 29, 2025
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.
M&A TransactionsBusiness Operations and Strategy
Glacier Bancorp Completes Acquisition of Guaranty Bancshares
Positive
Oct 1, 2025
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.
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.