GLACIER BANCORP INC (GBCI) Stock Fundamental Analysis

NYSE:GBCI • US37637Q1058

50.85 USD
-0.44 (-0.86%)
At close: Feb 17, 2026
50.85 USD
0 (0%)
After Hours: 2/17/2026, 8:19:24 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

3

GBCI gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 381 industry peers in the Banks industry. GBCI has a bad profitability rating. Also its financial health evaluation is rather negative. GBCI is valued quite expensively, but it does show have an excellent growth rating.


Dividend Valuation Growth Profitability Health

2

1. Profitability

1.1 Basic Checks

  • In the past year GBCI was profitable.
  • GBCI had a positive operating cash flow in the past year.
  • GBCI had positive earnings in each of the past 5 years.
  • Of the past 5 years GBCI 4 years had a positive operating cash flow.
GBCI Yearly Net Income VS EBIT VS OCF VS FCFGBCI Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M 400M 500M

1.2 Ratios

  • The Return On Assets of GBCI (0.82%) is comparable to the rest of the industry.
  • GBCI's Return On Equity of 6.57% is on the low side compared to the rest of the industry. GBCI is outperformed by 67.72% of its industry peers.
Industry RankSector Rank
ROA 0.82%
ROE 6.57%
ROIC N/A
ROA(3y)0.74%
ROA(5y)0.89%
ROE(3y)6.32%
ROE(5y)7.72%
ROIC(3y)N/A
ROIC(5y)N/A
GBCI Yearly ROA, ROE, ROICGBCI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6 8 10

1.3 Margins

  • GBCI has a Profit Margin of 25.03%. This is comparable to the rest of the industry: GBCI outperforms 54.59% of its industry peers.
  • In the last couple of years the Profit Margin of GBCI has declined.
  • The Operating Margin and Gross Margin are not available for GBCI so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 25.03%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-11.4%
PM growth 5Y-7.62%
GM growth 3YN/A
GM growth 5YN/A
GBCI Yearly Profit, Operating, Gross MarginsGBCI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30

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ROAROEROICOperating and Profit MarginShow most profitable peers

0

2. Health

2.1 Basic Checks

  • GBCI does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • The number of shares outstanding for GBCI has been increased compared to 1 year ago.
  • Compared to 5 years ago, GBCI has more shares outstanding
  • The debt/assets ratio for GBCI is higher compared to a year ago.
GBCI Yearly Shares OutstandingGBCI Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M 100M
GBCI Yearly Total Debt VS Total AssetsGBCI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10B 20B 30B

2.2 Solvency

  • The Debt to FCF ratio of GBCI is 7.18, which is on the high side as it means it would take GBCI, 7.18 years of fcf income to pay off all of its debts.
  • GBCI's Debt to FCF ratio of 7.18 is on the low side compared to the rest of the industry. GBCI is outperformed by 75.59% of its industry peers.
  • A Debt/Equity ratio of 0.62 indicates that GBCI is somewhat dependend on debt financing.
  • GBCI has a Debt to Equity ratio of 0.62. This is in the lower half of the industry: GBCI underperforms 78.74% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.62
Debt/FCF 7.18
Altman-Z N/A
ROIC/WACCN/A
WACC9.66%
GBCI Yearly LT Debt VS Equity VS FCFGBCI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B 4B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
GBCI Yearly Current Assets VS Current LiabilitesGBCI Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B 4B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

7

3. Growth

3.1 Past

  • The Earnings Per Share has grown by an nice 19.16% over the past year.
  • GBCI shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -6.53% yearly.
  • The Revenue has grown by 23.69% in the past year. This is a very strong growth!
  • The Revenue has been growing slightly by 5.93% on average over the past years.
EPS 1Y (TTM)19.16%
EPS 3Y-10.11%
EPS 5Y-6.53%
EPS Q2Q%-9.26%
Revenue 1Y (TTM)23.69%
Revenue growth 3Y4.26%
Revenue growth 5Y5.93%
Sales Q2Q%47.12%

3.2 Future

  • GBCI is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 36.22% yearly.
  • GBCI is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 20.18% yearly.
EPS Next Y60.2%
EPS Next 2Y36.22%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year32.81%
Revenue Next 2Y20.18%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
GBCI Yearly Revenue VS EstimatesGBCI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 200M 400M 600M 800M 1B
GBCI Yearly EPS VS EstimatesGBCI Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 1 2 3

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Find the best growth stocksShow best growing peers

3

4. Valuation

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 25.55, the valuation of GBCI can be described as expensive.
  • 84.78% of the companies in the same industry are cheaper than GBCI, based on the Price/Earnings ratio.
  • Compared to an average S&P500 Price/Earnings ratio of 27.16, GBCI is valued at the same level.
  • With a Price/Forward Earnings ratio of 15.95, GBCI is valued correctly.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of GBCI indicates a slightly more expensive valuation: GBCI is more expensive than 74.02% of the companies listed in the same industry.
  • GBCI's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 28.10.
Industry RankSector Rank
PE 25.55
Fwd PE 15.95
GBCI Price Earnings VS Forward Price EarningsGBCI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of GBCI indicates a slightly more expensive valuation: GBCI is more expensive than 73.49% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 21.17
EV/EBITDA N/A
GBCI Per share dataGBCI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20 25

4.3 Compensation for Growth

  • The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • A more expensive valuation may be justified as GBCI's earnings are expected to grow with 36.22% in the coming years.
PEG (NY)0.42
PEG (5Y)N/A
EPS Next 2Y36.22%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

3

5. Dividend

5.1 Amount

  • GBCI has a Yearly Dividend Yield of 2.58%.
  • Compared to an average industry Dividend Yield of 2.78, GBCI has a dividend in line with its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.82, GBCI pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 2.58%

5.2 History

  • The dividend of GBCI decreases each year by -1.00%.
  • GBCI has paid a dividend for at least 10 years, which is a reliable track record.
  • The dividend of GBCI decreased recently.
Dividend Growth(5Y)-1%
Div Incr Years0
Div Non Decr Years1
GBCI Yearly Dividends per shareGBCI Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.5 1

5.3 Sustainability

  • 64.06% of the earnings are spent on dividend by GBCI. This is not a sustainable payout ratio.
DP64.06%
EPS Next 2Y36.22%
EPS Next 3YN/A
GBCI Yearly Income VS Free CF VS DividendGBCI Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M 400M 500M
GBCI Dividend Payout.GBCI Dividend Payout, showing the Payout Ratio.GBCI Dividend Payout.PayoutRetained Earnings

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Find the best dividend stocksShow peers with best dividend

GLACIER BANCORP INC

NYSE:GBCI (2/17/2026, 8:19:24 PM)

After market: 50.85 0 (0%)

50.85

-0.44 (-0.86%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-22
Earnings (Next)04-22
Inst Owners80.25%
Inst Owner Change1.55%
Ins Owners0.42%
Ins Owner Change0.62%
Market Cap6.61B
Revenue(TTM)1.03B
Net Income(TTM)237.00M
Analysts83.64
Price Target57.94 (13.94%)
Short Float %4.09%
Short Ratio5.17
Dividend
Industry RankSector Rank
Dividend Yield 2.58%
Yearly Dividend1.34
Dividend Growth(5Y)-1%
DP64.06%
Div Incr Years0
Div Non Decr Years1
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-8.69%
Min EPS beat(2)-8.91%
Max EPS beat(2)-8.46%
EPS beat(4)1
Avg EPS beat(4)-3.85%
Min EPS beat(4)-8.91%
Max EPS beat(4)2.47%
EPS beat(8)4
Avg EPS beat(8)-0.17%
EPS beat(12)5
Avg EPS beat(12)-0.62%
EPS beat(16)6
Avg EPS beat(16)-0.59%
Revenue beat(2)0
Avg Revenue beat(2)-2.02%
Min Revenue beat(2)-2.33%
Max Revenue beat(2)-1.71%
Revenue beat(4)0
Avg Revenue beat(4)-3.75%
Min Revenue beat(4)-7.71%
Max Revenue beat(4)-1.71%
Revenue beat(8)2
Avg Revenue beat(8)-1.59%
Revenue beat(12)4
Avg Revenue beat(12)-0.92%
Revenue beat(16)8
Avg Revenue beat(16)2.46%
PT rev (1m)5.51%
PT rev (3m)8.19%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0.34%
EPS NY rev (1m)0.3%
EPS NY rev (3m)0.72%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.38%
Revenue NY rev (1m)4.12%
Revenue NY rev (3m)4.12%
Valuation
Industry RankSector Rank
PE 25.55
Fwd PE 15.95
P/S 6.98
P/FCF 21.17
P/OCF 18.73
P/B 1.83
P/tB 2.72
EV/EBITDA N/A
EPS(TTM)1.99
EY3.91%
EPS(NY)3.19
Fwd EY6.27%
FCF(TTM)2.4
FCFY4.72%
OCF(TTM)2.72
OCFY5.34%
SpS7.29
BVpS27.76
TBVpS18.66
PEG (NY)0.42
PEG (5Y)N/A
Graham Number35.26
Profitability
Industry RankSector Rank
ROA 0.82%
ROE 6.57%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 25.03%
GM N/A
FCFM 32.96%
ROA(3y)0.74%
ROA(5y)0.89%
ROE(3y)6.32%
ROE(5y)7.72%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-11.4%
PM growth 5Y-7.62%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.62
Debt/FCF 7.18
Debt/EBITDA N/A
Cap/Depr 90.84%
Cap/Sales 4.31%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 131.7%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC9.66%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)19.16%
EPS 3Y-10.11%
EPS 5Y-6.53%
EPS Q2Q%-9.26%
EPS Next Y60.2%
EPS Next 2Y36.22%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)23.69%
Revenue growth 3Y4.26%
Revenue growth 5Y5.93%
Sales Q2Q%47.12%
Revenue Next Year32.81%
Revenue Next 2Y20.18%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y16.85%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y14.86%
OCF growth 3YN/A
OCF growth 5YN/A

GLACIER BANCORP INC / GBCI FAQ

What is the ChartMill fundamental rating of GLACIER BANCORP INC (GBCI) stock?

ChartMill assigns a fundamental rating of 3 / 10 to GBCI.


Can you provide the valuation status for GLACIER BANCORP INC?

ChartMill assigns a valuation rating of 3 / 10 to GLACIER BANCORP INC (GBCI). This can be considered as Overvalued.


Can you provide the profitability details for GLACIER BANCORP INC?

GLACIER BANCORP INC (GBCI) has a profitability rating of 2 / 10.


What is the financial health of GLACIER BANCORP INC (GBCI) stock?

The financial health rating of GLACIER BANCORP INC (GBCI) is 0 / 10.


Is the dividend of GLACIER BANCORP INC sustainable?

The dividend rating of GLACIER BANCORP INC (GBCI) is 3 / 10 and the dividend payout ratio is 64.06%.