GLACIER BANCORP INC (GBCI) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:GBCI - US37637Q1058 - Common Stock
44.44 USD
-0.47 (-1.05%)
44.44 USD
0 (0%)
Taking everything into account, GBCI scores 3 out of 10 in our fundamental rating. GBCI was compared to 388 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
In the past year GBCI was profitable.
In the past year GBCI had a positive cash flow from operations.
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 43.04% of its industry peers.
GBCI has a worse Return On Equity (6.57%) than 68.04% 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 of 25.03%. This is comparable to the rest of the industry: GBCI outperforms 54.64% of its industry peers.
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) | 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.
Compared to 1 year ago, GBCI has more shares outstanding
Compared to 5 years ago, GBCI has more shares outstanding
Compared to 1 year ago, GBCI has an improved debt to assets ratio.
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.
With a Debt to FCF ratio value of 7.18, GBCI is not doing good in the industry: 76.03% of the companies in the same industry are doing better.
A Debt/Equity ratio of 0.62 indicates that GBCI is somewhat dependend on debt financing.
With a Debt to Equity ratio value of 0.62, GBCI is not doing good in the industry: 79.90% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.62 | ||
| Debt/FCF | 7.18 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC10.05%
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.
Looking at the last year, GBCI shows a quite strong growth in Revenue. The Revenue has grown by 17.28% in the last year.
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 30.88% on average over the next years. This is a very strong growth
The Revenue is expected to grow by 19.15% on average over the next years. This is quite good.
EPS Next Y22.09%
EPS Next 2Y38.36%
EPS Next 3Y30.88%
EPS Next 5YN/A
Revenue Next Year20.61%
Revenue Next 2Y24.11%
Revenue Next 3Y19.15%
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.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 21.78, GBCI is valued on the expensive side.
81.96% of the companies in the same industry are cheaper than GBCI, based on the Price/Earnings ratio.
When comparing the Price/Earnings ratio of GBCI to the average of the S&P500 Index (26.77), we can say GBCI is valued inline with the index average.
GBCI is valuated correctly with a Price/Forward Earnings ratio of 13.90.
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 72.94% 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 23.35.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 21.78 | ||
| Fwd PE | 13.9 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, GBCI is valued a bit more expensive than the industry average as 70.88% of the companies are valued more cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 18.5 | ||
| 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.
GBCI's earnings are expected to grow with 30.88% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.99
PEG (5Y)N/A
EPS Next 2Y38.36%
EPS Next 3Y30.88%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 2.88%, GBCI has a reasonable but not impressive dividend return.
GBCI's Dividend Yield is comparable with the industry average which is at 2.74.
Compared to an average S&P500 Dividend Yield of 2.00, GBCI pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.88% |
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
64.06% of the earnings are spent on dividend by GBCI. This is not a sustainable payout ratio.
DP64.06%
EPS Next 2Y38.36%
EPS Next 3Y30.88%
44.44
-0.47 (-1.05%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners80.18%
Inst Owner Change6.42%
Ins Owners0.42%
Ins Owner Change0.54%
Market Cap5.77B
Revenue(TTM)946.90M
Net Income(TTM)237.00M
Analysts81.67
Price Target54.91 (23.56%)
Short Float %3.63%
Short Ratio5.17
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.88% |
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)2.54%
PT rev (3m)5.9%
EPS NQ rev (1m)0.34%
EPS NQ rev (3m)-14.7%
EPS NY rev (1m)0.08%
EPS NY rev (3m)-4.72%
Revenue NQ rev (1m)0.38%
Revenue NQ rev (3m)0.75%
Revenue NY rev (1m)0.01%
Revenue NY rev (3m)-1.58%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 21.78 | ||
| Fwd PE | 13.9 | ||
| P/S | 6.1 | ||
| P/FCF | 18.5 | ||
| P/OCF | 16.36 | ||
| P/B | 1.6 | ||
| P/tB | 2.38 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.04
EY4.59%
EPS(NY)3.2
Fwd EY7.19%
FCF(TTM)2.4
FCFY5.41%
OCF(TTM)2.72
OCFY6.11%
SpS7.29
BVpS27.77
TBVpS18.67
PEG (NY)0.99
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
WACC10.05%
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 Y22.09%
EPS Next 2Y38.36%
EPS Next 3Y30.88%
EPS Next 5YN/A
Revenue 1Y (TTM)17.28%
Revenue growth 3Y1.05%
Revenue growth 5Y5.61%
Sales Q2Q%22.34%
Revenue Next Year20.61%
Revenue Next 2Y24.11%
Revenue Next 3Y19.15%
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 21.78 and the Price/Book (PB) ratio is 1.6.
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%.