Glacier Bancorp Inc (NYSE:GBCI) Reports Mixed Q2 2025 Results with Revenue Beat and EPS Miss

Glacier Bancorp Inc (NYSE:GBCI) reported mixed second-quarter results for 2025, with revenue surpassing analyst expectations but earnings per share (EPS) falling short. The regional bank posted revenue of $240.6 million, exceeding the consensus estimate of $212.6 million. However, diluted EPS came in at $0.45, below the $0.49 forecast by analysts.

The market reaction has been muted in after-hours trading, with shares showing no immediate movement. Over the past month, the stock has gained nearly 4%, though it remains down approximately 2.7% over the past two weeks. The lack of a sharp post-earnings reaction suggests investors may be weighing the positives and negatives of the report.

Key Takeaways from the Earnings Release

• Net Income: $52.8 million for Q2 2025, down 3% from the prior quarter but up 18% year-over-year.
• Acquisition Impact: The quarter included $3.2 million in acquisition-related expenses and $16.7 million in credit loss expenses tied to the Bank of Idaho (BOID) deal.
• Management Commentary: CEO Randy Chesler highlighted strong net interest income growth, margin expansion, and disciplined cost control. The company also announced plans to expand into Texas with the acquisition of Guaranty Bank & Trust.

Revenue Strength vs. EPS Miss

While revenue outperformed estimates by a significant margin, the EPS shortfall appears linked to acquisition costs and credit loss provisions. The $19.9 million in combined expenses from the BOID transaction weighed on profitability. Still, the year-over-year improvement in net income suggests underlying business growth remains solid.

Looking Ahead

Analysts expect Q3 2025 revenue of $236.3 million and EPS of $0.61. For the full year, sales are projected at $920.6 million, with revenue estimates at $2.21 billion. Management did not provide explicit guidance in the press release, but their optimism about long-term momentum suggests confidence in continued growth.

For a deeper dive into Glacier Bancorp’s earnings and future estimates, see the full earnings and estimates breakdown.

Disclaimer: This article is not investment advice. Investors should conduct their own research or consult a financial advisor before making decisions.