GLACIER BANCORP INC (GBCI) Stock Fundamental Analysis
USA - NYSE:GBCI - US37637Q1058 - Common Stock
43.85 USD
+0.83 (+1.93%)
43.85 USD
0 (0%)
GBCI gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 390 industry peers in the Banks industry. GBCI may be in some trouble as it scores bad on both profitability and health. GBCI is valued quite expensive, but it does show an excellent growth.
1. Profitability
1.1 Basic Checks
GBCI had positive earnings in the past year.
GBCI had a positive operating cash flow in the past year.
In the past 5 years GBCI has always been profitable.
Each year in the past 5 years GBCI had a positive operating cash flow.
1.2 Ratios
GBCI has a Return On Assets of 0.76%. This is comparable to the rest of the industry: GBCI outperforms 42.31% of its industry peers.
The Return On Equity of GBCI (6.23%) is worse than 68.72% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.76% | ||
| ROE | 6.23% | ||
| 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 (24.43%) which is comparable to the rest of the industry.
GBCI's Profit Margin has declined in the last couple of years.
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) | 24.43% | ||
| 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.
Compared to 1 year ago, GBCI has more shares outstanding
The number of shares outstanding for GBCI has been increased compared to 5 years ago.
The debt/assets ratio for GBCI has been reduced compared to a year ago.
2.2 Solvency
The Debt to FCF ratio of GBCI is 6.36, which is on the high side as it means it would take GBCI, 6.36 years of fcf income to pay off all of its debts.
GBCI's Debt to FCF ratio of 6.36 is on the low side compared to the rest of the industry. GBCI is outperformed by 72.05% of its industry peers.
A Debt/Equity ratio of 0.63 indicates that GBCI is somewhat dependend on debt financing.
GBCI has a worse Debt to Equity ratio (0.63) than 79.49% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.63 | ||
| Debt/FCF | 6.36 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC10.06%
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.
GBCI shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -7.00% yearly.
The Revenue has grown by 17.28% in the past year. This is quite good.
The Revenue has been growing slightly by 5.61% on average over the past years.
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
The Earnings Per Share is expected to grow by 30.53% on average over the next years. This is a very strong growth
Based on estimates for the next years, GBCI will show a very strong growth in Revenue. The Revenue will grow by 20.38% on average per year.
EPS Next Y23.29%
EPS Next 2Y38.34%
EPS Next 3Y30.53%
EPS Next 5YN/A
Revenue Next Year20.32%
Revenue Next 2Y25.23%
Revenue Next 3Y20.38%
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.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
GBCI is valuated rather expensively with a Price/Earnings ratio of 21.50.
Based on the Price/Earnings ratio, GBCI is valued expensively inside the industry as 81.28% of the companies are valued cheaper.
GBCI is valuated rather cheaply when we compare the Price/Earnings ratio to 26.89, which is the current average of the S&P500 Index.
The Price/Forward Earnings ratio is 13.72, which indicates a correct valuation of GBCI.
71.28% of the companies in the same industry are cheaper than GBCI, based on the Price/Forward Earnings ratio.
When comparing the Price/Forward Earnings ratio of GBCI to the average of the S&P500 Index (22.99), we can say GBCI is valued slightly cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 21.5 | ||
| Fwd PE | 13.72 |
4.2 Price Multiples
GBCI's Price/Free Cash Flow ratio is a bit more expensive when compared to the industry. GBCI is more expensive than 63.85% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 16.36 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
GBCI's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
GBCI's earnings are expected to grow with 30.53% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.92
PEG (5Y)N/A
EPS Next 2Y38.34%
EPS Next 3Y30.53%
5. Dividend
5.1 Amount
GBCI has a Yearly Dividend Yield of 3.07%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 3.53, GBCI has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 2.31, GBCI pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.07% |
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.
GBCI has decreased its dividend recently.
Dividend Growth(5Y)-1%
Div Incr Years0
Div Non Decr Years1
5.3 Sustainability
68.19% of the earnings are spent on dividend by GBCI. This is not a sustainable payout ratio.
DP68.19%
EPS Next 2Y38.34%
EPS Next 3Y30.53%
43.85
+0.83 (+1.93%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners84.91%
Inst Owner Change0.84%
Ins Owners0.45%
Ins Owner Change-0.08%
Market Cap5.70B
Revenue(TTM)946.90M
Net Income(TTM)220.16M
Analysts81.67
Price Target51.85 (18.24%)
Short Float %4.24%
Short Ratio5.87
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.07% |
Yearly Dividend1.34
Dividend Growth(5Y)-1%
DP68.19%
Div Incr Years0
Div Non Decr Years1
Ex-Date
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-4.69%
Min EPS beat(2)-8.91%
Max EPS beat(2)-0.47%
EPS beat(4)2
Avg EPS beat(4)-0.29%
Min EPS beat(4)-8.91%
Max EPS beat(4)5.76%
EPS beat(8)5
Avg EPS beat(8)2.02%
EPS beat(12)5
Avg EPS beat(12)-0.17%
EPS beat(16)7
Avg EPS beat(16)0.48%
Revenue beat(2)0
Avg Revenue beat(2)-5.02%
Min Revenue beat(2)-7.71%
Max Revenue beat(2)-2.33%
Revenue beat(4)0
Avg Revenue beat(4)-4.16%
Min Revenue beat(4)-7.71%
Max Revenue beat(4)-2.33%
Revenue beat(8)2
Avg Revenue beat(8)-1.51%
Revenue beat(12)5
Avg Revenue beat(12)0.09%
Revenue beat(16)9
Avg Revenue beat(16)3.55%
PT rev (1m)0%
PT rev (3m)2.69%
EPS NQ rev (1m)0.36%
EPS NQ rev (3m)1.5%
EPS NY rev (1m)-3.79%
EPS NY rev (3m)-7%
Revenue NQ rev (1m)-2.45%
Revenue NQ rev (3m)-2.97%
Revenue NY rev (1m)-1.82%
Revenue NY rev (3m)-1.33%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 21.5 | ||
| Fwd PE | 13.72 | ||
| P/S | 6.32 | ||
| P/FCF | 16.36 | ||
| P/OCF | 14.58 | ||
| P/B | 1.61 | ||
| P/tB | 2.43 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.04
EY4.65%
EPS(NY)3.2
Fwd EY7.29%
FCF(TTM)2.68
FCFY6.11%
OCF(TTM)3.01
OCFY6.86%
SpS6.94
BVpS27.19
TBVpS18.06
PEG (NY)0.92
PEG (5Y)N/A
Graham Number35.33
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.76% | ||
| ROE | 6.23% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 24.43% | ||
| GM | N/A | ||
| FCFM | 38.65% |
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 | 0.63 | ||
| Debt/FCF | 6.36 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 96.75% | ||
| Cap/Sales | 4.7% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 158.19% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score7
WACC10.06%
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 Y23.29%
EPS Next 2Y38.34%
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 Year20.32%
Revenue Next 2Y25.23%
Revenue Next 3Y20.38%
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-21.35%
FCF growth 3Y-28.03%
FCF growth 5Y-0.04%
OCF growth 1Y-17.51%
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 21.5 and the Price/Book (PB) ratio is 1.61.
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 68.19%.