GLACIER BANCORP INC (GBCI)
US37637Q1058 - Common Stock
Overall GBCI gets a fundamental rating of 2 out of 10. We evaluated GBCI against 405 industry peers in the Banks industry. GBCI may be in some trouble as it scores bad on both profitability and health. 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.
GBCI had a positive operating cash flow in the past year.
In the past 5 years GBCI has always been profitable.
GBCI had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
With a Return On Assets value of 0.66%, GBCI is not doing good in the industry: 61.44% of the companies in the same industry are doing better.
The Return On Equity of GBCI (5.87%) is worse than 68.66% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.66% | ||
| ROE | 5.87% | ||
| ROIC | N/A |
ROA(3y)1.01%
ROA(5y)1.2%
ROE(3y)9%
ROE(5y)9.86%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
GBCI has a Profit Margin of 23.30%. This is comparable to the rest of the industry: GBCI outperforms 55.22% 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) | 23.3% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-7.23%
PM growth 5Y-3.52%
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 about the same amount of shares outstanding.
The number of shares outstanding for GBCI has been increased compared to 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 7.71. This is a slightly negative value and a sign of low solvency as GBCI would need 7.71 years to pay back of all of its debts.
With a Debt to FCF ratio value of 7.71, GBCI is not doing good in the industry: 74.88% of the companies in the same industry are doing better.
A Debt/Equity ratio of 0.59 indicates that GBCI is somewhat dependend on debt financing.
GBCI has a worse Debt to Equity ratio (0.59) than 76.12% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.59 | ||
| Debt/FCF | 7.71 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC7.19%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
GBCI shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -34.14%.
Measured over the past years, GBCI shows a decrease in Earnings Per Share. The EPS has been decreasing by -1.52% on average per year.
GBCI shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -10.61%.
The Revenue has been growing slightly by 7.95% on average over the past years.
EPS 1Y (TTM)-34.14%
EPS 3Y-10.35%
EPS 5Y-1.52%
EPS Q2Q%-22%
Revenue 1Y (TTM)-10.61%
Revenue growth 3Y1.58%
Revenue growth 5Y7.95%
Sales Q2Q%6.12%
3.2 Future
GBCI is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 6.21% yearly.
The Revenue is expected to grow by 9.43% on average over the next years. This is quite good.
EPS Next Y-18.88%
EPS Next 2Y6.21%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year4.56%
Revenue Next 2Y9.43%
Revenue Next 3YN/A
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.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 28.80, which means the current valuation is very expensive for GBCI.
Compared to the rest of the industry, the Price/Earnings ratio of GBCI indicates a rather expensive valuation: GBCI more expensive than 84.58% of the companies listed in the same industry.
When comparing the Price/Earnings ratio of GBCI to the average of the S&P500 Index (31.73), we can say GBCI is valued inline with the index average.
With a Price/Forward Earnings ratio of 20.83, GBCI is valued on the expensive side.
76.87% of the companies in the same industry are cheaper than GBCI, based on the Price/Forward Earnings ratio.
When comparing the Price/Forward Earnings ratio of GBCI to the average of the S&P500 Index (22.71), we can say GBCI is valued inline with the index average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 28.8 | ||
| Fwd PE | 20.83 |
4.2 Price Multiples
GBCI's Price/Free Cash Flow ratio is a bit more expensive when compared to the industry. GBCI is more expensive than 76.87% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 22.32 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y6.21%
EPS Next 3YN/A
5. Dividend
5.1 Amount
GBCI has a Yearly Dividend Yield of 2.91%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 3.38, GBCI has a dividend in line with its industry peers.
GBCI's Dividend Yield is a higher than the S&P500 average which is at 2.22.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.91% |
5.2 History
The dividend of GBCI has a limited annual growth rate of 4.74%.
GBCI has paid a dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)4.74%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
80.16% of the earnings are spent on dividend by GBCI. This is not a sustainable payout ratio.
The dividend of GBCI is growing, but earnings are growing more, so the dividend growth is sustainable.
DP80.16%
EPS Next 2Y6.21%
EPS Next 3YN/A
GLACIER BANCORP INC
NYSE:GBCI (10/14/2024, 8:04:01 PM)
After market: 47.23 0 (0%)47.23
+0.46 (+0.98%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap5.36B
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.91% |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
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PT rev (1m)
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EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
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Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 28.8 | ||
| Fwd PE | 20.83 | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.66% | ||
| ROE | 5.87% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | 23.3% | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.59 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
High Growth Momentum
Growth
EPS 1Y (TTM)-34.14%
EPS 3Y-10.35%
EPS 5Y
EPS Q2Q%
EPS Next Y-18.88%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)-10.61%
Revenue growth 3Y1.58%
Revenue growth 5Y
Sales Q2Q%
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
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FCF growth 3Y
FCF growth 5Y
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OCF growth 3Y
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