GLACIER BANCORP INC (GBCI) Fundamental Analysis & Valuation

NYSE:GBCI • US37637Q1058

Current stock price

43.47 USD
-0.98 (-2.2%)
At close:
43.47 USD
0 (0%)
After Hours:

This GBCI fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

2

1. GBCI Profitability Analysis

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.
  • In the past 5 years GBCI always reported a positive cash flow from operatings.
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M 400M 500M

1.2 Ratios

  • GBCI's Return On Assets of 0.75% is on the low side compared to the rest of the industry. GBCI is outperformed by 67.89% of its industry peers.
  • With a Return On Equity value of 5.67%, GBCI is not doing good in the industry: 76.84% of the companies in the same industry are doing better.
Industry RankSector Rank
ROA 0.75%
ROE 5.67%
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
GBCI Yearly ROA, ROE, ROICGBCI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6 8 10

1.3 Margins

  • Looking at the Profit Margin, with a value of 23.20%, GBCI is in line with its industry, outperforming 41.32% 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 RankSector Rank
OM N/A
PM (TTM) 23.2%
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
GBCI Yearly Profit, Operating, Gross MarginsGBCI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30

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0

2. GBCI Health Analysis

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 is higher compared to a year ago.
GBCI Yearly Shares OutstandingGBCI Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M 100M
GBCI Yearly Total Debt VS Total AssetsGBCI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10B 20B 30B

2.2 Solvency

  • GBCI has a debt to FCF ratio of 6.77. This is a slightly negative value and a sign of low solvency as GBCI would need 6.77 years to pay back of all of its debts.
  • GBCI's Debt to FCF ratio of 6.77 is on the low side compared to the rest of the industry. GBCI is outperformed by 74.47% of its industry peers.
  • A Debt/Equity ratio of 0.56 indicates that GBCI is somewhat dependend on debt financing.
  • GBCI has a Debt to Equity ratio of 0.56. This is in the lower half of the industry: GBCI underperforms 78.68% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.56
Debt/FCF 6.77
Altman-Z N/A
ROIC/WACCN/A
WACC9.74%
GBCI Yearly LT Debt VS Equity VS FCFGBCI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B 4B

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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B 4B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

7

3. GBCI Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an nice 19.16% over the past year.
  • GBCI shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -6.53% yearly.
  • GBCI shows a strong growth in Revenue. In the last year, 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

  • GBCI is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 36.59% yearly.
  • Based on estimates for the next years, GBCI will show a very strong growth in Revenue. The Revenue will grow by 22.03% on average per year.
EPS Next Y61.37%
EPS Next 2Y36.59%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year37.41%
Revenue Next 2Y22.03%
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.
  • 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 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 1 2 3

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3

4. GBCI Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 21.84, the valuation of GBCI can be described as rather expensive.
  • Based on the Price/Earnings ratio, GBCI is valued expensively inside the industry as 85.00% of the companies are valued cheaper.
  • The average S&P500 Price/Earnings ratio is at 24.88. GBCI is around the same levels.
  • GBCI is valuated correctly with a Price/Forward Earnings ratio of 13.54.
  • 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 73.95% 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 22.19.
Industry RankSector Rank
PE 21.84
Fwd PE 13.54
GBCI Price Earnings VS Forward Price EarningsGBCI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20

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 68.68% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 16.27
EV/EBITDA N/A
GBCI Per share dataGBCI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30

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 36.59% in the coming years.
PEG (NY)0.36
PEG (5Y)N/A
EPS Next 2Y36.59%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

4

5. GBCI Dividend Analysis

5.1 Amount

  • GBCI has a Yearly Dividend Yield of 3.08%. Purely for dividend investing, there may be better candidates out there.
  • GBCI's Dividend Yield is comparable with the industry average which is at 2.78.
  • GBCI's Dividend Yield is rather good when compared to the S&P500 average which is at 1.90.
Industry RankSector Rank
Dividend Yield 3.08%

5.2 History

  • The dividend of GBCI decreases each year by -0.97%.
  • 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)-0.97%
Div Incr Years0
Div Non Decr Years1
GBCI Yearly Dividends per shareGBCI Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.5 1

5.3 Sustainability

  • 68.08% of the earnings are spent on dividend by GBCI. This is not a sustainable payout ratio.
DP68.08%
EPS Next 2Y36.59%
EPS Next 3YN/A
GBCI Yearly Income VS Free CF VS DividendGBCI Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M 400M 500M
GBCI Dividend Payout.GBCI Dividend Payout, showing the Payout Ratio.GBCI Dividend Payout.PayoutRetained Earnings

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GBCI Fundamentals: All Metrics, Ratios and Statistics

GLACIER BANCORP INC

NYSE:GBCI (3/27/2026, 8:21:32 PM)

After market: 43.47 0 (0%)

43.47

-0.98 (-2.2%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-22
Earnings (Next)04-16
Inst Owners82.9%
Inst Owner Change1.71%
Ins Owners0.47%
Ins Owner Change8.58%
Market Cap5.66B
Revenue(TTM)1.03B
Net Income(TTM)239.03M
Analysts81.67
Price Target57.63 (32.57%)
Short Float %4.55%
Short Ratio5.27
Dividend
Industry RankSector Rank
Dividend Yield 3.08%
Yearly Dividend1.34
Dividend Growth(5Y)-0.97%
DP68.08%
Div Incr Years0
Div Non Decr Years1
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-5.54%
Min EPS beat(2)-8.46%
Max EPS beat(2)-2.62%
EPS beat(4)0
Avg EPS beat(4)-5.12%
Min EPS beat(4)-8.91%
Max EPS beat(4)-0.47%
EPS beat(8)3
Avg EPS beat(8)-2.7%
EPS beat(12)5
Avg EPS beat(12)-0.56%
EPS beat(16)5
Avg EPS beat(16)-1.06%
Revenue beat(2)1
Avg Revenue beat(2)2.24%
Min Revenue beat(2)-1.71%
Max Revenue beat(2)6.18%
Revenue beat(4)1
Avg Revenue beat(4)-1.39%
Min Revenue beat(4)-7.71%
Max Revenue beat(4)6.18%
Revenue beat(8)2
Avg Revenue beat(8)-1.92%
Revenue beat(12)4
Avg Revenue beat(12)-0.89%
Revenue beat(16)8
Avg Revenue beat(16)1.97%
PT rev (1m)-0.53%
PT rev (3m)7.62%
EPS NQ rev (1m)0.64%
EPS NQ rev (3m)0.1%
EPS NY rev (1m)0.73%
EPS NY rev (3m)1.46%
Revenue NQ rev (1m)2.68%
Revenue NQ rev (3m)12.03%
Revenue NY rev (1m)3.47%
Revenue NY rev (3m)7.73%
Valuation
Industry RankSector Rank
PE 21.84
Fwd PE 13.54
P/S 5.49
P/FCF 16.27
P/OCF 15.11
P/B 1.34
P/tB 2.07
EV/EBITDA N/A
EPS(TTM)1.99
EY4.58%
EPS(NY)3.21
Fwd EY7.39%
FCF(TTM)2.67
FCFY6.14%
OCF(TTM)2.88
OCFY6.62%
SpS7.92
BVpS32.39
TBVpS20.98
PEG (NY)0.36
PEG (5Y)N/A
Graham Number38.08
Profitability
Industry RankSector Rank
ROA 0.75%
ROE 5.67%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 23.2%
GM N/A
FCFM 33.73%
ROA(3y)0.74%
ROA(5y)0.89%
ROE(3y)6.32%
ROE(5y)7.72%
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-11.4%
PM growth 5Y-7.62%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.56
Debt/FCF 6.77
Debt/EBITDA N/A
Cap/Depr 54.89%
Cap/Sales 2.61%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 145.4%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC9.74%
ROIC/WACCN/A
Cap/Depr(3y)101.15%
Cap/Depr(5y)79.26%
Cap/Sales(3y)4.83%
Cap/Sales(5y)3.64%
Profit Quality(3y)152.74%
Profit Quality(5y)160.67%
High Growth Momentum
Growth
EPS 1Y (TTM)19.16%
EPS 3Y-10.11%
EPS 5Y-6.53%
EPS Q2Q%-9.26%
EPS Next Y61.37%
EPS Next 2Y36.59%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)23.69%
Revenue growth 3Y4.26%
Revenue growth 5Y5.93%
Sales Q2Q%47.12%
Revenue Next Year37.41%
Revenue Next 2Y22.03%
Revenue Next 3YN/A
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 1Y65.69%
FCF growth 3Y-8.08%
FCF growth 5Y14.35%
OCF growth 1Y45.1%
OCF growth 3Y-7.35%
OCF growth 5Y14.59%

GLACIER BANCORP INC / GBCI Fundamental Analysis 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 4 / 10 and the dividend payout ratio is 68.08%.