GLACIER BANCORP INC (GBCI)
US37637Q1058 - Common Stock
GBCI gets a fundamental rating of 2 out of 10. The analysis compared the fundamentals against 411 industry peers in the Banks industry. Both the profitability and financial health of GBCI have multiple concerns. While showing a medium growth rate, GBCI is valued expensive at the moment.
1. Profitability
1.1 Basic Checks
GBCI had positive earnings in the past year.
In the past year GBCI had a positive cash flow from operations.
GBCI had positive earnings in each of the past 5 years.
In the past 5 years GBCI always reported a positive cash flow from operatings.
1.2 Ratios
Looking at the Return On Assets, with a value of 0.80%, GBCI is in line with its industry, outperforming 45.50% of the companies in the same industry.
GBCI's Return On Equity of 7.38% is on the low side compared to the rest of the industry. GBCI is outperformed by 65.21% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.8% | ||
| ROE | 7.38% | ||
| ROIC | N/A |
ROA(3y)1.01%
ROA(5y)1.2%
ROE(3y)9%
ROE(5y)9.86%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
With a decent Profit Margin value of 27.53%, GBCI is doing good in the industry, outperforming 67.88% of the companies in the same industry.
GBCI's Profit Margin has declined in the last couple of years.
GBCI does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 27.53% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-7.23%
PM growth 5Y-3.52%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
GBCI does not have a ROIC to compare to the WACC, probably because it is not profitable.
GBCI has about the same amout of shares outstanding than it did 1 year ago.
Compared to 5 years ago, GBCI has more shares outstanding
Compared to 1 year ago, GBCI has a worse debt to assets ratio.
2.2 Solvency
GBCI has a debt to FCF ratio of 9.84. This is a negative value and a sign of low solvency as GBCI would need 9.84 years to pay back of all of its debts.
GBCI's Debt to FCF ratio of 9.84 is on the low side compared to the rest of the industry. GBCI is outperformed by 78.35% of its industry peers.
A Debt/Equity ratio of 1.47 is on the high side and indicates that GBCI has dependencies on debt financing.
GBCI has a worse Debt to Equity ratio (1.47) than 88.32% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.47 | ||
| Debt/FCF | 9.84 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC8.87%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The earnings per share for GBCI have decreased strongly by -26.64% in the last year.
GBCI shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -1.52% yearly.
GBCI shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -10.93%.
Measured over the past years, GBCI shows a small growth in Revenue. The Revenue has been growing by 7.95% on average per year.
EPS 1Y (TTM)-26.64%
EPS 3Y-10.35%
EPS 5Y-1.52%
EPS growth Q2Q-31.94%
Revenue 1Y (TTM)-10.93%
Revenue growth 3Y1.58%
Revenue growth 5Y7.95%
Revenue growth Q2Q-15.17%
3.2 Future
The Earnings Per Share is expected to grow by 9.92% on average over the next years. This is quite good.
Based on estimates for the next years, GBCI will show a quite strong growth in Revenue. The Revenue will grow by 9.33% on average per year.
EPS Next Y-8.77%
EPS Next 2Y9.92%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year5.23%
Revenue Next 2Y9.33%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 18.75 indicates a rather expensive valuation of GBCI.
Based on the Price/Earnings ratio, GBCI is valued more expensive than 85.16% of the companies in the same industry.
When comparing the Price/Earnings ratio of GBCI to the average of the S&P500 Index (24.95), we can say GBCI is valued slightly cheaper.
With a Price/Forward Earnings ratio of 20.55, GBCI is valued on the expensive side.
76.64% of the companies in the same industry are cheaper than GBCI, based on the Price/Forward Earnings ratio.
GBCI's Price/Forward Earnings ratio indicates a similar valuation than the S&P500 average which is at 21.40.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 18.75 | ||
| Fwd PE | 20.55 |
4.2 Price Multiples
GBCI's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 9.47 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y9.92%
EPS Next 3YN/A
5. Dividend
5.1 Amount
GBCI has a Yearly Dividend Yield of 3.57%.
Compared to an average industry Dividend Yield of 3.93, GBCI has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 2.45, GBCI pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.57% |
5.2 History
The dividend of GBCI has a limited annual growth rate of 4.74%.
GBCI has been paying a dividend for at least 10 years, so it has a reliable track record.
Dividend Growth(5Y)4.74%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
65.81% of the earnings are spent on dividend by GBCI. This is not a sustainable payout ratio.
GBCI's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP65.81%
EPS Next 2Y9.92%
EPS Next 3YN/A
GLACIER BANCORP INC
NYSE:GBCI (4/22/2024, 7:04:01 PM)
After market: 37.69 0 (0%)37.69
+0.75 (+2.03%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap4.27B
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.57% |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
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Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
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Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 18.75 | ||
| Fwd PE | 20.55 | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.8% | ||
| ROE | 7.38% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | 27.53% | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.47 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)-26.64%
EPS 3Y-10.35%
EPS 5Y
EPS growth Q2Q
EPS Next Y-8.77%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)-10.93%
Revenue growth 3Y1.58%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y