GLACIER BANCORP INC (GBCI) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:GBCI - US37637Q1058 - Common Stock
41.88 USD
-0.31 (-0.73%)
41.88 USD
0 (0%)
Overall GBCI gets a fundamental rating of 3 out of 10. We evaluated GBCI against 387 industry peers in the Banks industry. GBCI has a bad profitability rating. Also its financial health evaluation is rather negative. GBCI is quite expensive at the moment. It does show a decent growth rate.
1. Profitability
1.1 Basic Checks
In the past year GBCI was profitable.
GBCI had a positive operating cash flow in the past year.
Each year in the past 5 years GBCI has been profitable.
GBCI had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
GBCI's Return On Assets of 0.82% is in line compared to the rest of the industry. GBCI outperforms 43.93% of its industry peers.
GBCI has a worse Return On Equity (6.57%) than 68.99% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.82% | ||
| ROE | 6.57% | ||
| ROIC | N/A |
ROA(3y)0.87%
ROA(5y)1.03%
ROE(3y)7.98%
ROE(5y)8.89%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
GBCI has a Profit Margin (25.03%) which is comparable to the rest of the industry.
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 Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 25.03% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-13.51%
PM growth 5Y-7.22%
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.
The number of shares outstanding for GBCI has been increased compared to 1 year ago.
The number of shares outstanding for GBCI has been increased compared to 5 years ago.
GBCI has a better debt/assets ratio than last year.
2.2 Solvency
GBCI has a debt to FCF ratio of 7.18. This is a slightly negative value and a sign of low solvency as GBCI would need 7.18 years to pay back of all of its debts.
GBCI has a Debt to FCF ratio of 7.18. This is in the lower half of the industry: GBCI underperforms 75.19% of its industry peers.
A Debt/Equity ratio of 0.62 indicates that GBCI is somewhat dependend on debt financing.
GBCI has a worse Debt to Equity ratio (0.62) than 80.36% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.62 | ||
| Debt/FCF | 7.18 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC10.04%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 25.93% over the past year.
The Earnings Per Share has been decreasing by -7.00% on average over the past years.
The Revenue has grown by 17.28% in the past year. This is quite good.
GBCI shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 5.61% yearly.
EPS 1Y (TTM)25.93%
EPS 3Y-16.9%
EPS 5Y-7%
EPS Q2Q%26.67%
Revenue 1Y (TTM)17.28%
Revenue growth 3Y1.05%
Revenue growth 5Y5.61%
Sales Q2Q%22.34%
3.2 Future
GBCI is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 30.53% yearly.
GBCI is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 19.21% yearly.
EPS Next Y21.99%
EPS Next 2Y37.67%
EPS Next 3Y30.53%
EPS Next 5YN/A
Revenue Next Year20.6%
Revenue Next 2Y24.17%
Revenue Next 3Y19.21%
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 accelerating.
4. Valuation
4.1 Price/Earnings Ratio
GBCI is valuated rather expensively with a Price/Earnings ratio of 20.53.
Based on the Price/Earnings ratio, GBCI is valued more expensive than 81.65% of the companies in the same industry.
GBCI's Price/Earnings ratio indicates a similar valuation than the S&P500 average which is at 25.65.
A Price/Forward Earnings ratio of 13.23 indicates a correct valuation of GBCI.
Based on the Price/Forward Earnings ratio, GBCI is valued a bit more expensive than the industry average as 71.32% of the companies are valued more cheaply.
Compared to an average S&P500 Price/Forward Earnings ratio of 34.45, GBCI is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 20.53 | ||
| Fwd PE | 13.23 |
4.2 Price Multiples
67.44% of the companies in the same industry are cheaper than GBCI, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 17.43 | ||
| EV/EBITDA | N/A |
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 30.53% in the coming years.
PEG (NY)0.93
PEG (5Y)N/A
EPS Next 2Y37.67%
EPS Next 3Y30.53%
5. Dividend
5.1 Amount
GBCI has a Yearly Dividend Yield of 3.27%. Purely for dividend investing, there may be better candidates out there.
GBCI's Dividend Yield is comparable with the industry average which is at 3.33.
GBCI's Dividend Yield is a higher than the S&P500 average which is at 2.41.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.27% |
5.2 History
The dividend of GBCI decreases each year by -1.00%.
GBCI has been paying a dividend for at least 10 years, so it has a reliable track record.
GBCI has decreased its dividend recently.
Dividend Growth(5Y)-1%
Div Incr Years0
Div Non Decr Years1
5.3 Sustainability
GBCI pays out 64.06% of its income as dividend. This is not a sustainable payout ratio.
DP64.06%
EPS Next 2Y37.67%
EPS Next 3Y30.53%
41.88
-0.31 (-0.73%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners84.91%
Inst Owner Change6.41%
Ins Owners0.45%
Ins Owner Change0.71%
Market Cap5.44B
Revenue(TTM)946.90M
Net Income(TTM)237.00M
Analysts81.67
Price Target53.55 (27.87%)
Short Float %3.96%
Short Ratio5.17
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.27% |
Yearly Dividend1.34
Dividend Growth(5Y)-1%
DP64.06%
Div Incr Years0
Div Non Decr Years1
Ex-Date
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)3.28%
PT rev (3m)4.3%
EPS NQ rev (1m)-13.36%
EPS NQ rev (3m)-18.73%
EPS NY rev (1m)-1.05%
EPS NY rev (3m)-7.01%
Revenue NQ rev (1m)0.69%
Revenue NQ rev (3m)0.11%
Revenue NY rev (1m)0.23%
Revenue NY rev (3m)-2.2%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 20.53 | ||
| Fwd PE | 13.23 | ||
| P/S | 5.75 | ||
| P/FCF | 17.43 | ||
| P/OCF | 15.42 | ||
| P/B | 1.51 | ||
| P/tB | 2.24 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.04
EY4.87%
EPS(NY)3.17
Fwd EY7.56%
FCF(TTM)2.4
FCFY5.74%
OCF(TTM)2.72
OCFY6.48%
SpS7.29
BVpS27.77
TBVpS18.67
PEG (NY)0.93
PEG (5Y)N/A
Graham Number35.7
Profitability
| Industry Rank | Sector 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)0.87%
ROA(5y)1.03%
ROE(3y)7.98%
ROE(5y)8.89%
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-13.51%
PM growth 5Y-7.22%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.03
Health
| Industry Rank | Sector 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
WACC10.04%
ROIC/WACCN/A
Cap/Depr(3y)104.04%
Cap/Depr(5y)75.88%
Cap/Sales(3y)4.81%
Cap/Sales(5y)3.42%
Profit Quality(3y)153.47%
Profit Quality(5y)144.94%
High Growth Momentum
Growth
EPS 1Y (TTM)25.93%
EPS 3Y-16.9%
EPS 5Y-7%
EPS Q2Q%26.67%
EPS Next Y21.99%
EPS Next 2Y37.67%
EPS Next 3Y30.53%
EPS Next 5YN/A
Revenue 1Y (TTM)17.28%
Revenue growth 3Y1.05%
Revenue growth 5Y5.61%
Sales Q2Q%22.34%
Revenue Next Year20.6%
Revenue Next 2Y24.17%
Revenue Next 3Y19.21%
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 1Y-26.85%
FCF growth 3Y-28.03%
FCF growth 5Y-0.04%
OCF growth 1Y-24.83%
OCF growth 3Y-23.31%
OCF growth 5Y2.63%
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.
What is the valuation status of GLACIER BANCORP INC (GBCI) stock?
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 3 / 10.
What are the PE and PB ratios of GLACIER BANCORP INC (GBCI) stock?
The Price/Earnings (PE) ratio for GLACIER BANCORP INC (GBCI) is 20.53 and the Price/Book (PB) ratio is 1.51.
How sustainable is the dividend of GLACIER BANCORP INC (GBCI) stock?
The dividend rating of GLACIER BANCORP INC (GBCI) is 3 / 10 and the dividend payout ratio is 64.06%.