GLACIER BANCORP INC (GBCI) Fundamental Analysis & Valuation

NYSE:GBCI • US37637Q1058

Current stock price

49.37 USD
+0.51 (+1.04%)
At close:
48.78 USD
-0.59 (-1.2%)
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.
  • In the past year GBCI had a positive cash flow from operations.
  • GBCI had positive earnings in each of the past 5 years.
  • GBCI had a positive operating cash flow in each of the past 5 years.
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 has a worse Return On Assets (0.75%) than 71.01% of its industry peers.
  • GBCI's Return On Equity of 5.67% is on the low side compared to the rest of the industry. GBCI is outperformed by 79.26% of its industry peers.
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

  • GBCI has a worse Profit Margin (23.20%) than 61.44% 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 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

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

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.
  • 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 a worse debt to assets ratio.
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

  • The Debt to FCF ratio of GBCI is 6.77, which is on the high side as it means it would take GBCI, 6.77 years of fcf income to pay off all of its debts.
  • The Debt to FCF ratio of GBCI (6.77) is worse than 77.39% of its industry peers.
  • A Debt/Equity ratio of 0.56 indicates that GBCI is somewhat dependend on debt financing.
  • Looking at the Debt to Equity ratio, with a value of 0.56, GBCI is doing worse than 79.26% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.56
Debt/FCF 6.77
Altman-Z N/A
ROIC/WACCN/A
WACC9.46%
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

More info and screens

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

7

3. GBCI Growth Analysis

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.
  • GBCI shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -6.53% yearly.
  • Looking at the last year, GBCI shows a very strong growth in Revenue. The Revenue has grown by 23.69%.
  • The Revenue has been growing slightly by 5.93% on average over the past years.
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

  • Based on estimates for the next years, GBCI will show a very strong growth in Earnings Per Share. The EPS will grow by 36.58% on average per year.
  • GBCI is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 22.03% yearly.
EPS Next Y61.56%
EPS Next 2Y36.58%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year37.3%
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

More info and screens

Find the best growth stocksShow best growing peers

3

4. GBCI Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 24.81 indicates a rather expensive valuation of GBCI.
  • Based on the Price/Earnings ratio, GBCI is valued more expensive than 85.64% of the companies in the same industry.
  • When comparing the Price/Earnings ratio of GBCI to the average of the S&P500 Index (27.47), we can say GBCI is valued inline with the index average.
  • The Price/Forward Earnings ratio is 15.36, which indicates a correct valuation of GBCI.
  • 76.06% of the companies in the same industry are cheaper than GBCI, based on the Price/Forward Earnings ratio.
  • GBCI's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 22.62.
Industry RankSector Rank
PE 24.81
Fwd PE 15.36
GBCI Price Earnings VS Forward Price EarningsGBCI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Based on the Price/Free Cash Flow ratio, GBCI is valued a bit more expensive than 73.14% of the companies in the same industry.
Industry RankSector Rank
P/FCF 18.48
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.
  • GBCI's earnings are expected to grow with 36.58% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.4
PEG (5Y)N/A
EPS Next 2Y36.58%
EPS Next 3YN/A

More info and screens

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

4

5. GBCI Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 2.78%, GBCI has a reasonable but not impressive dividend return.
  • Compared to an average industry Dividend Yield of 2.57, GBCI has a dividend in line with its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.81, GBCI pays a better dividend.
Industry RankSector Rank
Dividend Yield 2.78%

5.2 History

  • The dividend of GBCI decreases each year by -0.97%.
  • GBCI has been paying a dividend for at least 10 years, so it has a reliable track record.
  • GBCI has decreased its dividend in the last 3 years.
Dividend Growth(5Y)-0.97%
Div Incr Years0
Div Non Decr Years2
GBCI Yearly Dividends per shareGBCI Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.5 1

5.3 Sustainability

  • GBCI pays out 68.08% of its income as dividend. This is not a sustainable payout ratio.
DP68.08%
EPS Next 2Y36.58%
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

More info and screens

Find the best dividend stocksShow peers with best dividend

GBCI Fundamentals: All Metrics, Ratios and Statistics

GLACIER BANCORP INC

NYSE:GBCI (4/23/2026, 6:26:50 PM)

After market: 48.78 -0.59 (-1.2%)

49.37

+0.51 (+1.04%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-22
Earnings (Next)04-23
Inst Owners83.04%
Inst Owner Change0.85%
Ins Owners0.45%
Ins Owner Change8.58%
Market Cap6.42B
Revenue(TTM)1.03B
Net Income(TTM)239.03M
Analysts81.67
Price Target57.63 (16.73%)
Short Float %5%
Short Ratio6.05
Dividend
Industry RankSector Rank
Dividend Yield 2.78%
Yearly Dividend1.34
Dividend Growth(5Y)-0.97%
DP68.08%
Div Incr Years0
Div Non Decr Years2
Ex-Date04-07
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%
PT rev (3m)4.95%
EPS NQ rev (1m)0.07%
EPS NQ rev (3m)1.06%
EPS NY rev (1m)0.12%
EPS NY rev (3m)1.15%
Revenue NQ rev (1m)-0.02%
Revenue NQ rev (3m)11.06%
Revenue NY rev (1m)-0.08%
Revenue NY rev (3m)7.65%
Valuation
Industry RankSector Rank
PE 24.81
Fwd PE 15.36
P/S 6.23
P/FCF 18.48
P/OCF 17.16
P/B 1.52
P/tB 2.35
EV/EBITDA N/A
EPS(TTM)1.99
EY4.03%
EPS(NY)3.22
Fwd EY6.51%
FCF(TTM)2.67
FCFY5.41%
OCF(TTM)2.88
OCFY5.83%
SpS7.92
BVpS32.39
TBVpS20.98
PEG (NY)0.4
PEG (5Y)N/A
Graham Number38.0803 (-22.87%)
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
WACC9.46%
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 Y61.56%
EPS Next 2Y36.58%
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 Year37.3%
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.


What is the profitability of GBCI stock?

GLACIER BANCORP INC (GBCI) has a profitability rating of 2 / 10.


How financially healthy is GLACIER BANCORP INC?

The financial health rating of GLACIER BANCORP INC (GBCI) is 0 / 10.


Can you provide the expected EPS growth for GBCI stock?

The Earnings per Share (EPS) of GLACIER BANCORP INC (GBCI) is expected to grow by 61.56% in the next year.