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GLACIER BANCORP INC (GBCI) Stock Fundamental Analysis

NYSE:GBCI - New York Stock Exchange, Inc. - US37637Q1058 - Common Stock - Currency: USD

43.86  +0.24 (+0.55%)

After market: 43.86 0 (0%)

Fundamental Rating

3

GBCI gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 392 industry peers in the Banks industry. Both the profitability and financial health of GBCI have multiple concerns. GBCI is valued quite expensively, but it does show have an excellent growth rating.


Dividend Valuation Growth Profitability Health

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3

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.
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 in line with its industry peers.
GBCI has a Return On Equity of 6.45%. This is in the lower half of the industry: GBCI underperforms 66.58% of its industry peers.
Industry RankSector Rank
ROA 0.76%
ROE 6.45%
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 (24.68%) 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) 24.68%
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.
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.
Compared to 1 year ago, GBCI has an improved debt to assets ratio.
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

The Debt to FCF ratio of GBCI is 6.50, which is on the high side as it means it would take GBCI, 6.50 years of fcf income to pay off all of its debts.
GBCI has a Debt to FCF ratio of 6.50. This is in the lower half of the industry: GBCI underperforms 72.19% of its industry peers.
A Debt/Equity ratio of 0.63 indicates that GBCI is somewhat dependend on debt financing.
GBCI has a Debt to Equity ratio of 0.63. This is in the lower half of the industry: GBCI underperforms 79.85% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.63
Debt/FCF 6.5
Altman-Z N/A
ROIC/WACCN/A
WACC9.9%
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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3. Growth

3.1 Past

The Earnings Per Share has grown by an nice 17.07% 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 14.10% 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)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 46.04% on average over the next years. This is a very strong growth
GBCI is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 23.12% yearly.
EPS Next Y32.56%
EPS Next 2Y35.43%
EPS Next 3Y46.04%
EPS Next 5YN/A
Revenue Next Year23.26%
Revenue Next 2Y26.12%
Revenue Next 3Y23.12%
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.
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 500M 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 4 5

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4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 22.84, GBCI is valued on the expensive side.
Based on the Price/Earnings ratio, GBCI is valued expensively inside the industry as 83.16% of the companies are valued cheaper.
GBCI is valuated at similar levels of the S&P average when we compare the Price/Earnings ratio to 26.48, which is the current average of the S&P500 Index.
GBCI is valuated correctly with a Price/Forward Earnings ratio of 14.32.
Based on the Price/Forward Earnings ratio, GBCI is valued a bit more expensive than 73.21% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 34.04. GBCI is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 22.84
Fwd PE 14.32
GBCI Price Earnings VS Forward Price EarningsGBCI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

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 66.07% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 16.37
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.
A more expensive valuation may be justified as GBCI's earnings are expected to grow with 46.04% in the coming years.
PEG (NY)0.7
PEG (5Y)N/A
EPS Next 2Y35.43%
EPS Next 3Y46.04%

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5. Dividend

5.1 Amount

GBCI has a Yearly Dividend Yield of 3.01%. Purely for dividend investing, there may be better candidates out there.
GBCI's Dividend Yield is comparable with the industry average which is at 3.50.
Compared to an average S&P500 Dividend Yield of 2.40, GBCI pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 3.01%

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
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

70.77% of the earnings are spent on dividend by GBCI. This is not a sustainable payout ratio.
DP70.77%
EPS Next 2Y35.43%
EPS Next 3Y46.04%
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 (8/8/2025, 8:04:01 PM)

After market: 43.86 0 (0%)

43.86

+0.24 (+0.55%)

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 Owners81.19%
Inst Owner Change-0.81%
Ins Owners0.45%
Ins Owner Change4.82%
Market Cap5.20B
Analysts81.67
Price Target50.49 (15.12%)
Short Float %3.37%
Short Ratio5.08
Dividend
Industry RankSector Rank
Dividend Yield 3.01%
Yearly Dividend1.34
Dividend Growth(5Y)-1%
DP70.77%
Div Incr Years0
Div Non Decr Years1
Ex-Date07-08 2025-07-08 (0.33)
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)1%
Min EPS beat(2)-0.47%
Max EPS beat(2)2.47%
EPS beat(4)3
Avg EPS beat(4)2.84%
Min EPS beat(4)-0.47%
Max EPS beat(4)5.76%
EPS beat(8)5
Avg EPS beat(8)3.09%
EPS beat(12)5
Avg EPS beat(12)0.42%
EPS beat(16)8
Avg EPS beat(16)1.64%
Revenue beat(2)0
Avg Revenue beat(2)-5.47%
Min Revenue beat(2)-7.71%
Max Revenue beat(2)-3.23%
Revenue beat(4)1
Avg Revenue beat(4)-3.16%
Min Revenue beat(4)-7.71%
Max Revenue beat(4)1.68%
Revenue beat(8)2
Avg Revenue beat(8)-2.06%
Revenue beat(12)6
Avg Revenue beat(12)1.2%
Revenue beat(16)10
Avg Revenue beat(16)4.71%
PT rev (1m)2.41%
PT rev (3m)-8.05%
EPS NQ rev (1m)16.24%
EPS NQ rev (3m)-1.52%
EPS NY rev (1m)-1.73%
EPS NY rev (3m)-4.45%
Revenue NQ rev (1m)-3.4%
Revenue NQ rev (3m)-3.31%
Revenue NY rev (1m)6.36%
Revenue NY rev (3m)1.92%
Valuation
Industry RankSector Rank
PE 22.84
Fwd PE 14.32
P/S 6.05
P/FCF 16.37
P/OCF 14.16
P/B 1.58
P/tB 2.38
EV/EBITDA N/A
EPS(TTM)1.92
EY4.38%
EPS(NY)3.06
Fwd EY6.98%
FCF(TTM)2.68
FCFY6.11%
OCF(TTM)3.1
OCFY7.06%
SpS7.25
BVpS27.73
TBVpS18.46
PEG (NY)0.7
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.76%
ROE 6.45%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 24.68%
GM N/A
FCFM 36.96%
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
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-Score8
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.63
Debt/FCF 6.5
Debt/EBITDA N/A
Cap/Depr 116.62%
Cap/Sales 5.78%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 149.73%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC9.9%
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 Y32.56%
EPS Next 2Y35.43%
EPS Next 3Y46.04%
EPS Next 5YN/A
Revenue 1Y (TTM)14.1%
Revenue growth 3Y1.05%
Revenue growth 5Y5.61%
Sales Q2Q%11.63%
Revenue Next Year23.26%
Revenue Next 2Y26.12%
Revenue Next 3Y23.12%
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-31.41%
FCF growth 3Y-28.03%
FCF growth 5Y-0.04%
OCF growth 1Y-25.14%
OCF growth 3Y-23.31%
OCF growth 5Y2.63%