Glacier Bancorp, Inc. GBCI R2K

Financial Services · Banks - Regional · United States

https://www.glacierbancorp.com

Glacier Bancorp, Inc. operates as the bank holding company for Glacier Bank that provides commercial banking services to individuals, small to medium-sized businesses, community organizations, and public entities in the United States. It offers retail banking; business banking and mortgage origination and loan servicing services. The company also accepts deposit products, including non-interest bearing deposit and interest bearing deposit accounts, such as negotiable order of withdrawal, demand deposit accounts, savings, money market deposits, fixed rate certificates of deposit, negotiated-rate jumbo certificates, and individual retirement accounts. In addition, it offers credit risk management, construction and permanent loans on residential real estate, consumer land or lot loans, unimproved land and land development loans, construction loans, commercial real estate loans, agricultural and consumer lending, home equity loans, and states and political subdivisions lending, as well as residential builder guidance lines comprising pre-sold and spec-home construction, and lot acquisition loans. Glacier Bancorp, Inc. was founded in 1955 and is headquartered in Kalispell, Montana.

Market & Price

Market Cap

$6.19B

Current Price

$47.55

High / Low (52W)

$52.83 / $39.04

Beta

0.75

Valuation

Stock P/E

22.22

Industry PE

12.01

Forward P/E

13.04

PEG Ratio

1.75

Book Value

$32.65

Price to Book

1.46

P/S

5.97

EV/EBITDA

Dividend Yield

2.78%

Profitability & Returns

ROCE

ROE

7.07%

ROA

0.90%

Profit Margin

25.70%

Op Margin

41.47%

EPS (Latest Qtr)

$0.63

EPS (TTM)

$2.14

Balance Sheet & Liquidity

Debt/Equity

Quick Ratio

Current Ratio

Debt

$2.41B

Total Assets

$31.98B

Current Assets

Working Capital

Ownership

Promoter Holding

0.71%

Chg in Prom Hold

FII / Inst Holding

86.11%

Chg in FII Hold

Financial Snapshot

Enterprise Value

$7.21B

Total Revenue (TTM)

$1.04B

EBITDA

Free Cash Flow

Operating Cash Flow

$409.83M

Shares Outstanding

130.14M

Gross Margin

0.00%

Payout Ratio

77.10%

Growth (CAGR)

Revenue 5Y

4.03%

Profit 5Y

-7.62%

Revenue (YoY)

39.70%

Earnings (YoY)

31.30%

PROS

Excellent profit margin of 25.7%.
Attractive dividend yield of 2.78%.
In a confirmed uptrend (50-DMA above 200-DMA).

CONS

Earnings shrank at -7.6% CAGR over 5 years.

* The pros and cons are auto-generated from financial metrics.

Price Chart

Robinhood TradingView StockAnalysis

Fundamental Growth

Period: Metric:

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

Peer comparison

Peer companies in the same sector (Financial Services).

#	Name	CMP $	P/E	Mkt Cap	Div Yld %	ROCE %	ROE %	Rev CAGR 5Y %	Profit CAGR 5Y %
1	GBCI Glacier Bancorp, Inc. R2K	47.55	22.22	$6.19B	2.78%	-	7.07%	4.03%	-7.62%
2	JPM JPMorgan Chase & Co. SPX	299.31	14.33	$802.00B	2.00%	-	16.47%	12.50%	14.83%
3	V Visa Inc. SPX	326.36	28.48	$620.65B	0.82%	38.38%	60.35%	10.92%	10.28%
4	MA Mastercard Incorporated SPX	493.98	28.57	$436.47B	0.70%	61.47%	-	13.82%	14.66%
5	MS Morgan Stanley SPX	208.00	18.84	$328.08B	1.92%	-	16.39%	9.52%	15.20%
6	GS The Goldman Sachs Group, Inc. SPX	1,025.56	18.73	$302.55B	1.76%	-	14.55%	7.16%	15.11%
7	WFC Wells Fargo & Company SPX	77.54	11.98	$237.29B	2.32%	-	12.03%	4.02%	15.98%
8	BLK BlackRock, Inc. SPX	1,046.88	26.32	$162.51B	2.19%	4.89%	11.90%	10.65%	2.36%
9	SCHW The Charles Schwab Corporation SPX	87.35	17.37	$151.91B	1.47%	-	19.08%	4.83%	7.21%

Quarterly Results

Figures in USD.

Metric	Jun 2016	Sep 2016	Dec 2016	Mar 2017	Jun 2017	Sep 2017	Dec 2017	Mar 2018	Jun 2018	Sep 2018	Dec 2018	Mar 2019	Jun 2019	Sep 2019	Dec 2019	Mar 2020	Jun 2020	Sep 2020	Dec 2020	Mar 2021	Jun 2021	Sep 2021	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	20.88M	-	-	-	22.15M	-	-	-	216.88M	234.66M	253.64M	299.30M	299.59M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	99.95M	100.50M	99.62M	106.69M	93.66M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	63.49M	65.17M	85.29M	76.29M	100.17M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	8.92M	12.39M	17.39M	12.51M	18.02M
Net Income	30.45M	30.96M	31.04M	31.25M	33.69M	36.48M	14.96M	38.56M	44.38M	49.34M	49.60M	49.13M	52.39M	51.61M	57.41M	43.34M	63.44M	77.76M	81.86M	80.80M	77.63M	75.62M	50.71M	67.80M	76.39M	79.34M	79.68M	61.21M	54.95M	52.45M	54.32M	32.63M	44.71M	51.05M	61.75M	54.57M	52.78M	67.90M	63.78M	82.14M
Diluted EPS	0.40	0.40	0.41	0.41	0.43	0.47	0.19	0.48	0.52	0.58	0.59	0.58	0.61	0.57	0.62	0.46	0.66	0.81	0.86	0.85	0.81	0.79	0.46	0.61	0.69	0.72	0.72	0.55	0.50	0.47	0.49	0.29	0.39	0.45	0.54	0.48	0.45	0.57	0.49	0.63

Profit & Loss (Annual)

Figures in USD.

Metric	Dec 2008	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	892.11M	789.44M	810.03M	1.00B
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	-	41.26M	325.97M	435.22M	406.76M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	370.28M	267.61M	226.30M	290.25M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	-	67.08M	44.68M	36.16M	51.22M
Net Income	65.66M	34.37M	42.33M	17.47M	75.52M	95.64M	112.75M	116.13M	121.13M	116.38M	181.88M	210.54M	266.40M	-	303.20M	222.93M	190.14M	239.03M
Diluted EPS	1.19	0.56	0.61	0.24	1.05	1.31	1.51	1.54	1.59	1.50	2.17	2.38	2.81	-	2.74	2.01	1.68	1.99

Compounded Sales Growth

5 Years:	4.03%
1 Year:	39.70%

Compounded Profit Growth

5 Years:	-7.62%
1 Year:	31.30%

Stock Price Performance

1 Year:	+18.03%
6 Months:	+11.61%
3 Months:	+5.28%
1 Month:	-1.23%

Balance Sheet (Annual)

Figures in USD.

Metric	Dec 2007	Dec 2008	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Total Assets	-	-	6.19B	6.76B	7.19B	7.75B	7.88B	8.31B	9.09B	9.45B	9.71B	12.12B	13.68B	18.50B	25.94B	26.64B	27.74B	27.90B	31.98B
Current Assets	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Cash & Equivalents	227.61M	135.25M	210.57M	105.09M	128.03M	187.04M	155.66M	442.41M	193.25M	152.54M	200.00M	203.79M	-	-	-	402.00M	1.35B	848.41M	1.24B
Inventory	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Receivables	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	83.54M	94.53M	99.26M	120.09M
Total Liabilities	-	-	5.51B	5.92B	6.34B	6.85B	6.92B	7.28B	8.01B	8.33B	8.51B	10.60B	11.72B	16.20B	22.76B	23.79B	24.72B	24.68B	27.76B
Current Liabilities	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Long Term Debt	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	2.01B	2.95B	2.00B	678.97M
Total Debt	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	2.01B	2.95B	2.06B	760.64M
Total Equity	528.58M	676.94M	685.89M	838.20M	850.23M	900.95M	963.25M	1.03B	1.08B	1.12B	1.20B	1.52B	1.96B	2.31B	3.18B	2.84B	3.02B	3.22B	4.21B
Shares Outstanding	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	110.78M	110.89M	113.40M	129.97M

Cash Flows (Annual)

Figures in USD.

Metric	Dec 2008	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Operating Cash Flow	87.22M	96.74M	193.94M	186.84M	183.79M	334.10M	182.73M	176.77M	193.09M	254.74M	280.71M	226.65M	189.54M	-	470.66M	500.71M	258.04M	374.40M
Investing Cash Flow	-707.16M	-363.68M	822.51M	-529.10M	-579.65M	149.24M	158.89M	-681.31M	-421.31M	23.66M	-872.42M	-42.68M	-3.56B	-	-1.35B	-207.49M	493.14M	1.06B
Financing Cash Flow	527.59M	342.27M	523.08M	365.19M	454.86M	-514.72M	-54.88M	255.39M	187.51M	-230.93M	595.50M	-56.80M	3.68B	-	845.43M	659.12M	-1.26B	-1.05B
Capital Expenditure	-15.34M	-11.86M	22.65M	-17.49M	-10.73M	-8.98M	-14.39M	-18.22M	-	-	-	-	-	-	-33.76M	-49.53M	-48.28M	-26.85M
Free Cash Flow	71.88M	84.88M	216.59M	169.35M	173.06M	325.12M	168.34M	158.55M	-	-	-	-	-	-	436.90M	451.18M	209.76M	347.55M
Net Change in Cash	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-35.69M	952.35M	-505.93M	386.85M

Ratios (Annual)

Figures in %.

Metric	Dec 2008	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Gross Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	34.0%	28.2%	23.5%	23.8%
ROE %	9.7%	5.0%	5.1%	2.1%	8.4%	9.9%	11.0%	10.8%	10.8%	9.7%	12.0%	10.7%	11.5%	-	10.7%	7.4%	5.9%	5.7%
ROCE %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-

Shareholding Pattern

Insiders

0.71%

Institutions

86.11%

Public Float

86.72%

Top Institutional Holders

#	Holder	% Held	Shares	Value
1	Blackrock Inc.	12.31%	16.02M	$761.73M
2	Vanguard Portfolio Management LLC	5.16%	6.71M	$319.26M
3	State Street Corporation	4.78%	6.22M	$295.53M
4	Vanguard Capital Management LLC	4.46%	5.81M	$276.10M
5	Neuberger Berman Group, LLC	3.42%	4.46M	$211.94M
6	Capital Research Global Investors	2.97%	3.87M	$184.09M
7	Geode Capital Management, LLC	2.53%	3.30M	$156.71M
8	Cooke & Bieler LP	2.20%	2.86M	$135.99M
9	Dimensional Fund Advisors LP	2.19%	2.85M	$135.49M
10	Victory Capital Management Inc.	2.01%	2.61M	$124.13M

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