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GLACIER BANCORP INC (GBCI) Stock Fundamental Analysis

NYSE:GBCI - US37637Q1058 - Common Stock

48.94 USD
+0.39 (+0.8%)
Last: 9/11/2025, 8:04:01 PM
48.94 USD
0 (0%)
After Hours: 9/11/2025, 8:04:01 PM
Fundamental Rating

3

Overall GBCI gets a fundamental rating of 3 out of 10. We evaluated GBCI against 391 industry peers in the Banks industry. Both the profitability and financial health of GBCI have multiple concerns. GBCI is valued quite expensive, but it does show an excellent growth.


Dividend Valuation Growth Profitability Health

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3

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.
Each year in the past 5 years GBCI 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M 500M

1.2 Ratios

GBCI has a Return On Assets (0.76%) which is comparable to the rest of the industry.
Looking at the Return On Equity, with a value of 6.23%, GBCI is doing worse than 68.29% of the companies in the same industry.
Industry RankSector 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
GBCI Yearly ROA, ROE, ROICGBCI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

GBCI has a Profit Margin (24.43%) which is in line with 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) 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
GBCI Yearly Profit, Operating, Gross MarginsGBCI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

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1

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 more shares outstanding than it did 1 year ago.
GBCI has more shares outstanding than it did 5 years ago.
The debt/assets ratio for GBCI has been reduced compared to a year ago.
GBCI Yearly Shares OutstandingGBCI Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M 100M
GBCI Yearly Total Debt VS Total AssetsGBCI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5B 10B 15B 20B 25B

2.2 Solvency

GBCI has a debt to FCF ratio of 6.36. This is a slightly negative value and a sign of low solvency as GBCI would need 6.36 years to pay back of all of its debts.
GBCI has a Debt to FCF ratio of 6.36. This is in the lower half of the industry: GBCI underperforms 70.59% of its industry peers.
A Debt/Equity ratio of 0.63 indicates that GBCI is somewhat dependend on debt financing.
GBCI's Debt to Equity ratio of 0.63 is on the low side compared to the rest of the industry. GBCI is outperformed by 79.03% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.63
Debt/FCF 6.36
Altman-Z N/A
ROIC/WACCN/A
WACC10.23%
GBCI Yearly LT Debt VS Equity VS FCFGBCI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B

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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B 4B

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7

3. Growth

3.1 Past

The Earnings Per Share has grown by an nice 17.07% over the past year.
Measured over the past years, GBCI shows a decrease in Earnings Per Share. The EPS has been decreasing by -7.00% on average per year.
The Revenue has grown by 14.10% in the past year. This is quite good.
Measured over the past years, GBCI shows a small growth in Revenue. The Revenue has been growing by 5.61% on average per year.
EPS 1Y (TTM)17.07%
EPS 3Y-16.9%
EPS 5Y-7%
EPS Q2Q%15.38%
Revenue 1Y (TTM)14.1%
Revenue growth 3Y1.05%
Revenue growth 5Y5.61%
Sales Q2Q%11.63%

3.2 Future

The Earnings Per Share is expected to grow by 29.58% on average over the next years. This is a very strong growth
The Revenue is expected to grow by 20.65% on average over the next years. This is a very strong growth
EPS Next Y31.2%
EPS Next 2Y38%
EPS Next 3Y29.58%
EPS Next 5YN/A
Revenue Next Year23.31%
Revenue Next 2Y24.59%
Revenue Next 3Y20.65%
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.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
GBCI Yearly Revenue VS EstimatesGBCI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 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 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 1 2 3

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2

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 25.49, which means the current valuation is very expensive for GBCI.
Based on the Price/Earnings ratio, GBCI is valued more expensive than 83.38% of the companies in the same industry.
When comparing the Price/Earnings ratio of GBCI to the average of the S&P500 Index (27.44), we can say GBCI is valued inline with the index average.
The Price/Forward Earnings ratio is 15.39, which 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 73.91% of the companies are valued more cheaply.
When comparing the Price/Forward Earnings ratio of GBCI to the average of the S&P500 Index (22.87), we can say GBCI is valued slightly cheaper.
Industry RankSector Rank
PE 25.49
Fwd PE 15.39
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

Based on the Price/Free Cash Flow ratio, GBCI is valued a bit more expensive than 62.15% of the companies in the same industry.
Industry RankSector Rank
P/FCF 16.66
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

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 29.58% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.82
PEG (5Y)N/A
EPS Next 2Y38%
EPS Next 3Y29.58%

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3

5. Dividend

5.1 Amount

GBCI has a Yearly Dividend Yield of 2.65%.
Compared to an average industry Dividend Yield of 3.56, GBCI has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 2.45, GBCI has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 2.65%

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
GBCI Yearly Dividends per shareGBCI Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.5 1

5.3 Sustainability

GBCI pays out 68.19% of its income as dividend. This is not a sustainable payout ratio.
DP68.19%
EPS Next 2Y38%
EPS Next 3Y29.58%
GBCI Yearly Income VS Free CF VS DividendGBCI Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M 500M
GBCI Dividend Payout.GBCI Dividend Payout, showing the Payout Ratio.GBCI Dividend Payout.PayoutRetained Earnings

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GLACIER BANCORP INC

NYSE:GBCI (9/11/2025, 8:04:01 PM)

After market: 48.94 0 (0%)

48.94

+0.39 (+0.8%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)07-24 2025-07-24/amc
Earnings (Next)10-22 2025-10-22/amc
Inst Owners81.54%
Inst Owner Change0.92%
Ins Owners0.45%
Ins Owner Change-0.08%
Market Cap5.80B
Analysts81.67
Price Target51.85 (5.95%)
Short Float %3.52%
Short Ratio5.02
Dividend
Industry RankSector Rank
Dividend Yield 2.65%
Yearly Dividend1.34
Dividend Growth(5Y)-1%
DP68.19%
Div Incr Years0
Div Non Decr Years1
Ex-Date07-08 2025-07-08 (0.33)
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)2.69%
PT rev (3m)5.17%
EPS NQ rev (1m)-0.19%
EPS NQ rev (3m)-2.22%
EPS NY rev (1m)-1.03%
EPS NY rev (3m)-2.74%
Revenue NQ rev (1m)-3.99%
Revenue NQ rev (3m)-1.79%
Revenue NY rev (1m)0.04%
Revenue NY rev (3m)6.4%
Valuation
Industry RankSector Rank
PE 25.49
Fwd PE 15.39
P/S 6.44
P/FCF 16.66
P/OCF 14.85
P/B 1.64
P/tB 2.47
EV/EBITDA N/A
EPS(TTM)1.92
EY3.92%
EPS(NY)3.18
Fwd EY6.5%
FCF(TTM)2.94
FCFY6%
OCF(TTM)3.29
OCFY6.73%
SpS7.6
BVpS29.8
TBVpS19.79
PEG (NY)0.82
PEG (5Y)N/A
Profitability
Industry RankSector 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
ROICexcg growth 3YN/A
ROICexcg 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 RankSector 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
WACC10.23%
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)17.07%
EPS 3Y-16.9%
EPS 5Y-7%
EPS Q2Q%15.38%
EPS Next Y31.2%
EPS Next 2Y38%
EPS Next 3Y29.58%
EPS Next 5YN/A
Revenue 1Y (TTM)14.1%
Revenue growth 3Y1.05%
Revenue growth 5Y5.61%
Sales Q2Q%11.63%
Revenue Next Year23.31%
Revenue Next 2Y24.59%
Revenue Next 3Y20.65%
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%