GBCI Fundamental Analysis - GLACIER BANCORP INC

Fundamental Rating

We assign a fundamental rating of 3 out of 10 to GBCI. GBCI was compared to 395 industry peers in the Banks industry. Both the profitability and financial health of GBCI have multiple concerns. GBCI is valied quite expensively at the moment, while it does show a decent growth rate.

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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.

In the past 5 years GBCI always reported a positive cash flow from operatings.

1.2 Ratios

The Return On Assets of GBCI (0.76%) is comparable to the rest of the industry.

GBCI's Return On Equity of 6.45% is on the low side compared to the rest of the industry. GBCI is outperformed by 66.58% of its industry peers.

		Industry Rank	Sector 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

1.3 Margins

With a Profit Margin value of 24.68%, GBCI perfoms like the industry average, outperforming 56.20% 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)	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

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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.

Compared to 1 year ago, GBCI has more shares outstanding

GBCI has more shares outstanding than it did 5 years ago.

The debt/assets ratio for GBCI has been reduced compared to a year ago.

2.2 Solvency

GBCI has a debt to FCF ratio of 6.50. This is a slightly negative value and a sign of low solvency as GBCI would need 6.50 years to pay back of all of its debts.

The Debt to FCF ratio of GBCI (6.50) is worse than 74.43% of its industry peers.

GBCI has a Debt/Equity ratio of 0.63. This is a neutral value indicating GBCI is somewhat dependend on debt financing.

GBCI's Debt to Equity ratio of 0.63 is on the low side compared to the rest of the industry. GBCI is outperformed by 80.00% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.63
Debt/FCF	6.5
Altman-Z	N/A

ROIC/WACCN/A

WACC11.02%

2.3 Liquidity

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

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

GBCI shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 6.29%.

The Earnings Per Share has been decreasing by -7.00% on average over the past years.

The Revenue has grown by 8.46% 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)6.29%

EPS 3Y-16.9%

EPS 5Y-7%

EPS Q2Q%65.52%

Revenue 1Y (TTM)8.46%

Revenue growth 3Y1.05%

Revenue growth 5Y5.61%

Sales Q2Q%14.12%

3.2 Future

The Earnings Per Share is expected to grow by 33.55% on average over the next years. This is a very strong growth

The Revenue is expected to grow by 15.09% on average over the next years. This is quite good.

EPS Next Y34.89%

EPS Next 2Y33.55%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year15.89%

Revenue Next 2Y15.09%

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.

The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.

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4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 22.06, GBCI is valued on the expensive side.

Compared to the rest of the industry, the Price/Earnings ratio of GBCI indicates a rather expensive valuation: GBCI more expensive than 82.53% of the companies listed in the same industry.

Compared to an average S&P500 Price/Earnings ratio of 26.57, GBCI is valued at the same level.

The Price/Forward Earnings ratio is 13.78, which indicates a correct valuation of GBCI.

Based on the Price/Forward Earnings ratio, GBCI is valued a bit more expensive than the industry average as 72.91% of the companies are valued more cheaply.

When comparing the Price/Forward Earnings ratio of GBCI to the average of the S&P500 Index (22.41), we can say GBCI is valued slightly cheaper.

		Industry Rank	Sector Rank
PE	22.06
Fwd PE	13.78

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 66.33% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	15.3
EV/EBITDA	N/A

4.3 Compensation for Growth

The 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 33.55% in the coming years. This may justify a more expensive valuation.

PEG (NY)0.63

PEG (5Y)N/A

EPS Next 2Y33.55%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

GBCI has a Yearly Dividend Yield of 3.11%. Purely for dividend investing, there may be better candidates out there.

GBCI's Dividend Yield is comparable with the industry average which is at 3.46.

Compared to an average S&P500 Dividend Yield of 2.40, GBCI pays a bit more dividend than the S&P500 average.

		Industry Rank	Sector Rank
Dividend Yield	3.11%

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.

GBCI has decreased its dividend recently.

Dividend Growth(5Y)-1%

Div Incr Years0

Div Non Decr Years1

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 2Y33.55%

EPS Next 3YN/A

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GLACIER BANCORP INC

NYSE:GBCI (6/16/2025, 8:04:01 PM)

After market: 41.04 0 (0%)

41.04

-0.07 (-0.17%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)04-24 2025-04-24/amc

Earnings (Next)07-16 2025-07-16/amc

Inst Owners81.19%

Inst Owner Change-1.38%

Ins Owners0.45%

Ins Owner Change4.82%

Market Cap4.86B

Analysts78.33

Price Target49.3 (20.13%)

Short Float %3.31%

Short Ratio5.51

Dividend

		Industry Rank	Sector Rank
Dividend Yield	3.11%

Yearly Dividend1.34

Dividend Growth(5Y)-1%

DP70.77%

Div Incr Years0

Div Non Decr Years1

Ex-Date04-08 2025-04-08 (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)0%

PT rev (3m)-15.45%

EPS NQ rev (1m)0%

EPS NQ rev (3m)4.43%

EPS NY rev (1m)0%

EPS NY rev (3m)-1.48%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)-3.66%

Revenue NY rev (1m)0%

Revenue NY rev (3m)-4.33%

Valuation

		Industry Rank	Sector Rank
PE	22.06
Fwd PE	13.78
P/S	5.66
P/FCF	15.3
P/OCF	13.23
P/B	1.48
P/tB	2.22
EV/EBITDA	N/A

EPS(TTM)1.86

EY4.53%

EPS(NY)2.98

Fwd EY7.26%

FCF(TTM)2.68

FCFY6.53%

OCF(TTM)3.1

OCFY7.56%

SpS7.26

BVpS27.76

TBVpS18.48

PEG (NY)0.63

PEG (5Y)N/A

Profitability

		Industry Rank	Sector 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 Rank	Sector 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

WACC11.02%

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)6.29%

EPS 3Y-16.9%

EPS 5Y-7%

EPS Q2Q%65.52%

EPS Next Y34.89%

EPS Next 2Y33.55%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)8.46%

Revenue growth 3Y1.05%

Revenue growth 5Y5.61%

Sales Q2Q%14.12%

Revenue Next Year15.89%

Revenue Next 2Y15.09%

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 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%

GLACIER BANCORP INC (GBCI) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens