GBCI gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 383 industry peers in the Banks industry. GBCI has a bad profitability rating. Also its financial health evaluation is rather negative. GBCI is valued quite expensive, but it does show an excellent growth.

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1. Profitability

2. Health

3. Growth

4. Valuation

5. Dividend

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.
Each year in the past 5 years GBCI has been profitable.
Of the past 5 years GBCI 4 years had a positive operating cash flow.

1.2 Ratios

GBCI has a Return On Assets of 0.82%. This is comparable to the rest of the industry: GBCI outperforms 43.34% of its industry peers.
Looking at the Return On Equity, with a value of 6.57%, GBCI is doing worse than 68.15% of the companies in the same industry.

		Industry Rank	Sector 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

1.3 Margins

Looking at the Profit Margin, with a value of 25.03%, GBCI is in line with its industry, outperforming 54.57% of the companies in the same industry.
In the last couple of years the Profit Margin of GBCI has declined.
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-11.4%

PM growth 5Y-7.62%

GM growth 3YN/A

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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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.
Compared to 1 year ago, GBCI has a worse debt to assets ratio.

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.
With a Debt to FCF ratio value of 7.18, GBCI is not doing good in the industry: 75.98% of the companies in the same industry are doing better.
GBCI has a Debt/Equity ratio of 0.62. This is a neutral value indicating GBCI is somewhat dependend on debt financing.
GBCI's Debt to Equity ratio of 0.62 is on the low side compared to the rest of the industry. GBCI is outperformed by 79.37% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.62
Debt/FCF	7.18
Altman-Z	N/A

ROIC/WACCN/A

WACC9.9%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

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Altman-Z score

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3. Growth

3.1 Past

GBCI shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 19.16%, which is quite good.
Measured over the past years, GBCI shows a decrease in Earnings Per Share. The EPS has been decreasing by -6.53% on average per year.
Looking at the last year, GBCI shows a very strong growth in Revenue. The Revenue has grown by 23.69%.
GBCI shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 5.93% yearly.

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

The Earnings Per Share is expected to grow by 37.16% on average over the next years. This is a very strong growth
The Revenue is expected to grow by 20.09% on average over the next years. This is a very strong growth

EPS Next Y59.72%

EPS Next 2Y37.16%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year31.17%

Revenue Next 2Y20.09%

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.

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4. Valuation

4.1 Price/Earnings Ratio

GBCI is valuated quite expensively with a Price/Earnings ratio of 25.47.
Based on the Price/Earnings ratio, GBCI is valued more expensive than 85.12% of the companies in the same industry.
GBCI is valuated at similar levels of the S&P average when we compare the Price/Earnings ratio to 28.32, which is the current average of the S&P500 Index.
GBCI is valuated correctly with a Price/Forward Earnings ratio of 15.94.
Based on the Price/Forward Earnings ratio, GBCI is valued a bit more expensive than the industry average as 74.67% of the companies are valued more cheaply.
The average S&P500 Price/Forward Earnings ratio is at 25.57. GBCI is valued slightly cheaper when compared to this.

		Industry Rank	Sector Rank
PE	25.47
Fwd PE	15.94

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 72.58% of the companies listed in the same industry.

		Industry Rank	Sector Rank
P/FCF	21.1
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 37.16% in the coming years. This may justify a more expensive valuation.

PEG (NY)0.43

PEG (5Y)N/A

EPS Next 2Y37.16%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 2.64%, GBCI has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 2.67, GBCI has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 1.83, GBCI pays a bit more dividend than the S&P500 average.

		Industry Rank	Sector Rank
Dividend Yield	2.64%

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

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 2Y37.16%

EPS Next 3YN/A

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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%.